vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
There are numerous amounts of unauthorized credit inquiries on my credit report. I have already tried reaching out to the reporting company XX/XX/XXXX XXXX 90 days past XXXX or more to be exact & credit bureaus to removes these inquiries but havent received a resolution to my problem. Due to the inaccuracies reporting on my credit report have hindered my abilities to get loans or credit from companies. I ask that of CFPB to actively support my claim to get these items removed from the credit bureaus. 

Inquires / Company XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company Regional Acceptance Corp / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX DBA XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX/ XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date 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 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
There are numerous amounts of unauthorized credit inquiries on my credit report. I have already tried reaching out to the reporting company ( 90 days past ) or more to be exact & credit bureaus to removes these inquiries but havent received a resolution to my problem. Due to the inaccuracies reporting on my credit report have hindered my abilities to get loans or credit from companies. I ask that of CFPB to actively support my claim to get these items removed from the credit bureaus. 

Company XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX DBA XXXX  Inquiry date XX/XX/XXXX Company  XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company  XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX/ XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company Capital One Auto Finance Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PRESTIGE FINANCIAL SERVICES INC
State: GA

Complaint narrative:
There are numerous amounts of unauthorized credit inquiries on my credit report. I have already tried reaching out to the reporting company ( 90 days past ) or more to be exact & credit bureaus to removes these inquiries but havent received a resolution to my problem. Due to the inaccuracies reporting on my credit report have hindered my abilities to get loans or credit from companies. I ask that of CFPB to actively support my claim to get these items removed from the credit bureaus. 

Company XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company Prestige Financial / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX DBA XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX/ XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been requesting, since XX/XX/2020, verification of these alleged debts that Credit Bureaus keep reporting on my credit files. However, they have failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they have continued to report & sell erroneous information about me. Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - they are required to promptly delete all information which can not be verified ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been requesting, since XX/XX/2020, verification of these alleged debts that Credit Bureaus keep reporting on my credit files. However, they have failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they have continued to report & sell erroneous information about me. Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - they are required to promptly delete all information which can not be verified ''

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 2021-07-28 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 — Was not notified of investigation status or results
Company: R & B Corporation of Virginia
State: TX

Complaint narrative:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The companies have had more than 60 days and 2 dispute letters were sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: ID

Complaint narrative:
I've been attempting to do a loan assumption through US Bank since XXXX. For one reason or another they have found a way to deny me this process. Most recently in XXXX era they have now deleted my real estate mortgage loan off of my credit report. When I tried to refinance through another bank I was told that I was High Risk because US Bank had marked my mortgage as " Discharged in Bankruptcy '' I have NEVER filed bankruptcy. I have called multiple times and get transferred right back into the same phone tree, hung up on, or put on hold for over 45 minutes to which the call just " ends, I've also been flat out lied to to get me off the phone. I then received a letter yesterday stating that I needed to reaffirm my loan through the court system. The property nor myself have ever been listed in a bankruptcy. I can not legally do this. The loan originated in XXXX and I have been making sole payments, on time, and in excess, since late XXXX. In speaking with attorneys they have never heard of such an issue and no one seems to know legally how to get US Bank to fix this error. I recently demanded in writing that they provide to me all documentation on how they got to this determination that my home loan has been " discharged in bankruptcy '' I have yet to hear back.

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 2021-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
My American express serve card was stolen by my ex is on XX/XX/XXXX. I filed a police report against him for the theft of my card, along with my car and domestic XXXX, as he XXXX XXXX XXXX in XXXX XXXX and XXXX me in a hotel room i was XXXX to rent for 2 nights with my card before he XXXX me up. I called the company less than 36 hours after I was finally safe and got myself out of the situation. I sent a copy of the police report and their requested " declaration of fraud '' paperwork, along with every transaction he made while in possession of the card. Grand total is just under {$1000.00} and i got the email today stating they denied my dispute for all items. So now they're basically telling me I have to pay because i was beaten and robbed and he just gets off Scott free ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: TX

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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 — Was not notified of investigation status or results
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The companies have had more than 60 days and 2 dispute letters were sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
my business bank account was opened and closed without my permission

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 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I've been attempting to do a loan assumption through XXXX XXXX since XXXX. For one reason or another they have found a way to deny me this process. Most recently in XXXX era they have now deleted my real estate mortgage loan off of my credit report. When I tried to refinance through another bank I was told that I was High Risk because XXXX XXXX had marked my mortgage as " Discharged in Bankruptcy '' I have NEVER filed bankruptcy. I have called multiple times and get transferred right back into the same phone tree, hung up on, or put on hold for over 45 minutes to which the call just " ends, I've also been flat out lied to to get me off the phone. I then received a letter yesterday stating that I needed to reaffirm my loan through the court system. The property nor myself have ever been listed in a bankruptcy. I can not legally do this. The loan originated in XXXX and I have been making sole payments, on time, and in excess, since late XXXX. In speaking with attorneys they have never heard of such an issue and no one seems to know legally how to get XXXX XXXX to fix this error. I recently demanded in writing that they provide to me all documentation on how they got to this determination that my home loan has been " discharged in bankruptcy '' I have yet to hear back.

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 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
I've been attempting to do a loan assumption through XXXX XXXX since XXXX. For one reason or another they have found a way to deny me this process. Most recently in XXXX era they have now deleted my real estate mortgage loan off of my credit report. When I tried to refinance through another bank I was told that I was High Risk because XXXXXXXX XXXX  had marked my mortgage as " Discharged in Bankruptcy '' I have NEVER filed bankruptcy. I have called multiple times and get transferred right back into the same phone tree, hung up on, or put on hold for over 45 minutes to which the call just " ends, I've also been flat out lied to to get me off the phone. I then received a letter yesterday stating that I needed to reaffirm my loan through the court system. The property nor myself have ever been listed in a bankruptcy. I can not legally do this. The loan originated in XXXX and I have been making sole payments, on time, and in excess, since late XXXX. In speaking with attorneys they have never heard of such an issue and no one seems to know legally how to get XXXXXXXX XXXX  to fix this error. I recently demanded in writing that they provide to me all documentation on how they got to this determination that my home loan has been " discharged in bankruptcy '' I have yet to hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: SC

Complaint narrative:
World Finance is showing that my account opened with them was in XXXX of XXXX, which is incorrect. My account with them was open in XXXX which is also when they received a last payment from me. The branch was located on XXXX XXXX in XXXX, SC. All 3 credit bureaus are reporting different information. I tried to resolve this issue with the company several times. My account was not opened in XXXX. With it being opened it XXXX, which is well over the 7 year mark it should have been removed from my credit report. This company is not reporting accurate dates and the dates shouldnt have not started opened even if another branch received the account, its not lawful to do so. I will like this incorrect information removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
I have sent numerous letters for validation and verification ( the most recent being certified letters sent XX/XX/XXXX ). This company has not responded with the requested verification and validation documents but they have responded to credit bureaus as " accurate information '' when disputed on the bureaus websites. I have not received any communication from the company to the collect the debt or any way to dispute. The company is simply reporting the debt without ever having contacting me and is refusing to respond to multiple attempts at contact from me. The debt appeared on my credit reports in XX/XX/XXXX. All I ask is for proper verification and validation of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Bankruptcy lawyer said they didnt do a reaffirmation process on my mortgage which has never been late and its current. 
Lender is XXXX. 
My vehicle financed with XXXX XXXX XXXX  also isnt reported and I just paid it off.

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 2021-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
The problem is, PNC does not keep up daily accounts of transactions and sometimes, the amount says one thing, but the actual amount is another, less. Then I spend the money that says I have " available '' in the account only to find there are overages. 

Now, I have asked on several occasions for them to return charges of {$36.00} each, this time twice adding to {$72.00}, but they refuse. 

I have asked them to put into writing their side of the story, but they refuse, obviously because the company knows they are perpetrating fraud. 

Since XXXX of XXXX, the United States has made it possible for banks to carry 0 funds to cover transactions. 

The fraud comes in because the banks did not notify me that there are no actual money transactions being made, but only by computer, so in effect, there were never any overages to my account, because they did not have the money to back my supposed negative balance. 

They have never informed me of this situation, never disclosed there is no money exchanged between parties, which constitutes fraud. 

I have these two as examples of this situation and have others adding up to over {$900.00} since being a customer of PNC. 


As you can see by PNC 's own admission, they state that if the account is overdrawn and they have to " Pay, '' is fraud because they are not paying anything. They are not using money, only electronic means, no actual money is necessary in the bank to pay a debt that supposedly exists. 

The admission they are paying is fraud. Their wording, not mine. PNC has never, not once enclosed this information to me, their client.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX is showing that my account opened with them was in XXXX of XXXX, which is incorrect. My account with them was open in XXXX which is also when they received a last payment from me. The branch was located on XXXX XXXX in XXXX, SC. All 3 credit bureaus are reporting different information. I tried to resolve this issue with the company several times. My account was not opened in XXXX. With it being opened it XXXX, which is well over the 7 year mark it should have been removed from my credit report. This company is not reporting accurate dates and the dates shouldnt have not started opened even if another branch received the account, its not lawful to do so. I will like this incorrect information removed from 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 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX is showing that my account opened with them was in XXXX of XXXX, which is incorrect. My account with them was open in XXXX which is also when they received a last payment from me. The branch was located on XXXX XXXX in XXXX, SC. All 3 credit bureaus are reporting different information. I tried to resolve this issue with the company several times. My account was not opened in XXXX. With it being opened it XXXX, which is well over the 7 year mark it should have been removed from my credit report. This company is not reporting accurate dates and the dates shouldnt have not started opened even if another branch received the account, its not lawful to do so. I will like this incorrect information removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: NC

Complaint narrative:
To whom it may concern, Under U.S Code 1681b - Permissable purposes of consumer reports ( a ) in GERENAL Subject to subsection ( c ) any consumer reporting agency under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX, never provided your agency any written consent to report anything on my consumer report, no consent is identity theft. Any deletions that are made is admission. Failure to comply to my request for the following accounts to be deleted will result in a violation and claim since your agency being liable for any damages caused by your actions. Please take careful note of what was written in this dispute and the letter that is attached.

Company response to consumer: Closed with explanation