vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION
State: GA

Complaint narrative:
Some one has stolen my identity and changed my SSA check from my savings account to my checking account. My checking account keeps getting hacked and hit with all types of charges. They have also taken my XXXX XXXX XXXX Records and I believe they will commit fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I pulled my credit report on XX/XX/XXXX. There is an account open under " XXXX XXXX '' that does not belong to me. I have never applied for a credit card or have had any type of account at this bank. 
I did try to call the number listed on the credit report : XXXX. However, it immediately asked for my card number, and that's something I don't have access to since the card doesn't belong to me. 
It says the date opened was XX/XX/XXXX and I was XXXX at that time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Riverwalk Financial Corporation
State: GA

Complaint narrative:
This company is attempting to collect a debt from me that has been paid in full over 2 years ago. The debt was paid to a collection agency XXXX XXXX in XXXX of 2016. I have discovered that this company has a history of illegally attempting to collect debt, and I have now fallen victim. I have tried several times to reach them by phone and they have re-directed me to another company named XXXX ( phone number XXXX ) When I asked for an explanation as to why they are listed as the debt collector they stated they own the debt and XXXX services the debt. When I call XXXX several times, I can only leave a message and have gotten no replies back. As a consumer this is unfair and illegal, and I would like it if someone can investigate these companies. I am trying to obtain the bank statements from my bank, but because it was more than two years ago when this debt was payed in full, there is a process. I have also filed a complaint with the XXXX, as this is a very unfair practice to an innocent consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The date of XX/XX/2019 I Checked my credit report when I noticed a derogatory mark on my report from a XXXX/XXXX card With an existing Balance of {$4100.00} used out of XXXX that I had not known existed nor was I in the know of the account being used. My Name, XXXX XXXX XXXX. ADDRESS XXXX XXXX XXXX  XXXX OH, XXXX. I am filing a complaint to dispute all existing accounts that continue to reflect on my report but are not my accounts and am asking that proof is shown that these accounts are in fact mine. Under Section 609, credit reporting agencies are required to disclose certain information to consumers who request it. Verifiable Proof. 

XXXX XXXX UNVERIFIED ACCOUNT XXXX   UNVERIFIED ACCOUNT XXXX  UNVERIFIED ACCOUNT XXXX XXXX UNVERIFIED ACCOUNT XXXX UNVERIFIED ACCOUNT These are the accounts here stated are the accounts that continue to reflect on my report but are not accurate. I would like to request all accounts off of my report that I have stated here and after the process of deletion. 

My Identity has obviously been compromised by another party and will be reported as theft and a security breach concern. I would like to ask all that is verifiable in correspondence to these accounts be disclosed as evidence of the genitive case. If These here derogatory marks aren't responded by XX/XX/2019 With verifiable proof disclosed then I would like all unverified matters to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
I paid my car payment on line and they said they received the car payment but 30 days later i received notice the the website never recorded my payment and that i had a 30 day late pay on my report to no fault of our own. I have tried to resolve the issue with the company but haven't had success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I contacted the FTC and the police and Im doing this on my own behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I contacted the FTC and the police and Im doing this on my own behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I applied online for a Capital One credit card on XX/XX/XXXX orXX/XX/XXXX and I was immediately approved. On XX/XX/XXXX, I was notified that my card had shipped. On XX/XX/XXXX, I received an email from Capital One stating that before I could activate the card, they needed to do one final check to make sure this wasnt someone else applying for a card in your name. The email included a link to take pictures of the front and back of my ID to confirm my identity. I tried the process 5 or 6 times, but I got a message saying that the process timed out. I called customer service and after over an hour on the phone, got frustrated and used another link in the email to find a physical address to mail my documents through XXXX. 

My card arrived today along with a separate letter from the Customer Fraud Protection department requesting that I call them. I called the number in the letter and was told that a fraud hold was placed on my account, but they will not give me any further information about what triggered this hold. I am sincerely concerned that something like identity theft is happening and feel that I have the right to know what has happened. They refuse to give me any information. If a consumer is denied credit, the company is legally required to notify the consumer as to the reasons. As far as I am concerned, this may be even more serious, yet they are not required to give me any reason so that I can take measures to resolve it? 

It is suspicious that a company would approve me for credit and then almost immediately place a fraud alert on the account. 

I closed the account today and will never again do business with Capital One, but again, I am left in the dark if there is a problem with my identity. I am concerned that whatever caused this problem may happen to my other accounts with other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Cascade Capital, LLC
State: LA

Complaint narrative:
Said I applied and received a pay day loan even after I told them I was a victim of id theft and was reported to credit beuroes and ftc I never been in Texas or applied on line my credit is f rating and I am XXXX.XX/XX/2019 total {$1100.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry, I did not apply for credit or financing. and demand that you contact [ redit reporting agency ] immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. I will be filing on a claim in court should you willfully ignore my request. 
Any applications you have received in my name is FRAUD. I did not give anyone my permission to use my personal info. Please show me the original application for credit or service bearing my actual signature, also show me any documentation giving your company permission to pull my credit file bearing my actual signature and not a computer-generated signature. 
PLEASE REMOVE YOUR INQUIRIES WITHIN 10 DAYS OF THIS LETTER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/2010 I foreclosed on my property. I had a HELOC loan ( XXXX ) with XXXX XXXX  attached to that property as well as other loans. Its been over 7 years and XXXX XXXX is still reporting the loan on my credit report as over 180 days past due. I have been in contact with XXXX XXXX and have had no resolution Since I need to apply for other home loans I need to get this off of my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted Experian via Phone and in writing in regards to the 5 accounts below were not mine. I have contact the company directly and asked for a copy of the credit card application or anything showing I had a credit card with them and they said they have nothing on file That they are a catalog company and anyone can call and set up the accounts. I advised them that this account dont below to me which is the same thing that was send to Experian. then Experian claim to have investigated and just updated my credit report stating it was completed. And the companies then added new Failure pay on my credit report for XX/XX/XXXX. This is fraud and illegal. I need to file a formal complaint against all ( 5 ) of these accounts and Experian and have them removed from my credit report and my credit report updated to reflect no negative accounts with this company all. 


You have 5 Negative Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX   XXXX {$540.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX {$580.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX {$330.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX {$280.00} - - Installment Negative XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX/lXXXX XXXX XXXX XXXX/XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/2019 I attempted to withdrawal {$800.00} from the ATM at my regular bank, XXXX, located at XXXX XXXX XXXX, XXXX, Ohio XXXX. The ATM disbursed {$780.00} leaving {$20.00} unaccounted for. The receipt shows a total withdrawal ( including fees ) of {$800.00}. The record number at the ATM is : XXXX. I was not aware that the maximum withdrawal is suggested at {$400.00} until after this transaction. I believe the additional {$20.00} may have gotten stuck inside as the door closed before I could make sure all of the cash was out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/2010 I foreclosed on my property. I had a HELOC loan ( XXXX ) with XXXX XXXX  attached to that property as well as other loans. Its been over 7 years and XXXX XXXX is still reporting the loan on my credit report as over 180 days past due. I have been in contact with XXXX XXXX and have had no resolution Since I need to apply for other home loans I need to get this off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/2010 I foreclosed on my property. I had a HELOC loan ( XXXX ) with XXXX XXXX attached to that property as well as other loans. Its been over 7 years and XXXX XXXX is still reporting the loan on my credit report as over 180 days past due. I have been in contact with XXXX XXXX and have had no resolution Since I need to apply for other home loans I need to get this off of my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX notified the credit agency and XXXX XXXX XXXX that they were removing the listed debt from all reporting and were no longer seeking payment for the debt. Several notices have been sent to the company asking to remove this innacurate debt from my file. I do not owe this debt. XXXX has not been able to present any documentation from XXXX XXXX XXXX  stating that I still owe a debt to XXXX  XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX notified the credit agency and XXXX XXXX XXXX that they were removing the listed debt from all reporting and were no longer seeking payment for the debt. Several notices have been sent to the company asking to remove this innacurate debt from my file. I do not owe this debt. XXXX  has not been able to present any documentation from XXXX XXXX XXXX stating that I still owe a debt to XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX  XXXX  XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX, XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
XXXX XXXX  stated that Giftcards.com DBA Blackhawk Network cancelled the order twice, while the phone prompt system incorrectly stated that the orders was processed. Initial order was duplicated after transaction was unsuccessful. Information was hidden from account. Transaction history for past orders was removed from display. Same issue occurred previously two to three years ago, while other orders were successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX, XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX, XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: WA

Complaint narrative:
I broke a lease that only had 1 month left because i could no longer afford it. I had arranged it all with the leasing office and left the apartment in great condition. After i noticed that i had a collection for XXXX on my credit report i asked them to send me what it was for and they haven't. There is no way that i should owe XXXX. They are trying to gauge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a copy of my credit report and there are inquiries on my credit that are not mine. Please remove these off my report as they are not mine. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief