vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-24 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: CT

Complaint narrative:
I am writing to dispute the following information in my file and request removal. 
Please remove hard inquiries from XX/XX/XXXX. And remove all past debts from XX/XX/XXXX-XX/XX/XXXX. All credit accounts and judgments debts are inaccurate and incorrect because they are 10 years old and hindering employment. 

These items of hard inquiries and past credit debts disputed by XXXX, XXXX, Experian and XXXX XXXX I am requesting that the items be removed. 

Please reinvestigate this [ these ] matter [ s ] and [ delete or correct ] the disputed item [ s ] as soon as possible. 

Sincerely, 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 2018-11-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I was offer a loan for US {$5000.00} ; gave to this so call bank US {$600.00}. 

Never got the loan and now they hang up the phone on me when I call them. 

I know, I have been scammed and probably never get my money back, but I would like to protect others from this kind of scam. 

Hi XXXX! 

Good day and Congratulations!! 

It is our pleasure to inform you that the loan application we received from a partner online lender was processed and approved for a personal unsecured loan of {$5000.00} with flat 3.4 % interest rate and flexible repayment options. Please refer to the simple table below for more details. 


Loan Approval Code XXXX Loan Amount {$5000.00} Total Payback {$5800.00} Monthly Installment {$98.00} Interest Rate 3.4 % Loan Term 60 Months As a financial business we are subjected to immediate but arbitrary audits by the US Federal Treasury Department. Your loan process was included in an audit and is now being monitored by the Internal Revenue Service. Being a Personal Unsecured Loan, we are now facing taxation for the loan amount and as a legal policy, you are required to shoulder a portion of this tax since the approved loan is on your name and will be deposited to your own bank account. 

Your responsibility on the tax amount is {$490.00}. Please be sure to settle this to complete the deposit prerequisites. 

Your insurance registration fee was processed through one of our  corporate partners and accordingly received. The insurance policy number was successfully generated and is now attached to your loan profile as an update. The {$150.00} designated fee amount corresponds to loan protection contract for your {$5000.00} personal unsecured loan. You are bound to get the same amount back along with the loan amount upon deposit, making a total of {$5100.00}. For any instance that the loan process is hindered or if any of our requirements may unfortunately not be met, YOU WILL STILL GET REGISTRATION FEE OF {$150.00} BACK. 

Our systems also reflect that you settled the company 's CLOSING FEE requirement. The closing fee is the consolidation of Origination, Processing, and Commitment Fees, making a total of {$350.00}. This was added to your profile as an update, making you eligible to be endorsed to the deposit process. This was supposed to get your loan process finalized, but since the audit was UNFORESEEN, the taxation needs to be settled first. 

Kindly coordinate with your designated accounting specialist XXXX XXXX by dialing the number at the bottom of this email to settle the taxation and finalize your loan requirements. Thank you. 


XXXX XXXX XXXX Manager, Accounting and Legal Dept. 
PNC Loans and Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX - XXXX OTHER PHONE NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: PA

Complaint narrative:
Dear Sir/Madam This is the complaint number seven against XXXX please be noticed many many time i sent to XXXX there two Unauthorized Hard Inquiry XX/XX/2018- XX/XX/2018 XXXX XXXX ( XXXX ) and all responding from EQUIFAX Mentioned that ( inquiries are a factual recorded of file access. if you believe this was unauthorized, Please contact the creditor. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX SD XXXX so i had contacted many time and received a letter to remove this unauthorized hard inquiries so what i have to do then EQUIFAX ask me if you believe this was unauthorized, Please contact the creditor and i did many times and received a letter from them to remove this hard inquiries and EQUIFAX don't want to remove this Unauthorized Hard Inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Dear Sir/Madam This is the complaint number seven against XXXX please be noticed many many time i sent to XXXX there two Unauthorized Hard InquiryXX/XX/2018- XX/XX/2018 XXXX XXXX ( SEARS ) and all responding from XXXX  Mentioned that ( inquiries are a factual recorded of file access. if you believe this was unauthorized, Please contact the creditor. CitiBank Na, XXXX XXXX XXXX XXXX XXXX   SD XXXX so i had contacted many time and received a letter to remove this unauthorized hard inquiries so what i have to do then XXXX ask me if you believe this was unauthorized, Please contact the creditor and i did many times and received a letter from them to remove this hard inquiries and XXXX don't want to remove this Unauthorized Hard Inquiries

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 2018-11-24 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: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
Details Account : 1ST FRANKLIN FINANCIAL Amount : {$97.00} Status : Late 30 Days I challenge the accuracy, compliance and reportability of this listing by 1ST FRANKLIN FINANCIAL, and this is an error and you must remove it, this against the law. 
... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow. 

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2018-11-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Details Account : XXXX XXXX XXXX Amount : {$97.00} Status : Late 30 Days I challenge the accuracy, compliance and reportability of this listing by XXXX XXXX XXXX, and this is an error and you must remove it, this against the law. 
... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow. 

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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:
Details Account : XXXX XXXX XXXX Amount : {$97.00} Status : Late 30 Days I challenge the accuracy, compliance and reportability of this listing by XXXX XXXX XXXX, and this is an error and you must remove it, this against the law. 
... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow. 

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2018-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My credit card ( Chase Visa ) was stolen on XX/XX/2018 out of a locker at my gym. I received an email notification from the company at XXXX XXXX on that date ( XX/XX/18 ) regarding questionable charges, and I immediately called the company to confirm these were fraudulent charges and to cancel the card. I was told by the the company representative that the card would be cancelled, and not to worry about this. I subsequently received correspondence from the company on XX/XX/XXXX and XXXX, that the charges had been removed from my account. 

I did not make these charges, which total {$6000.00}, these were fraudulent. 

I then received a letter from the company on XX/XX/XXXX informing me that I was responsible for the charges. I subsequently filed a police report in the jurisdiction where this theft occurred. I forwarded a copy of the report along with a letter to the credit card company on XX/XX/XXXX, disputing these charges. I have now received a follow up letter from the company simply stating that they have decided that the charges remain my responsibility. They have not provided any evidence for this determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: MO

Complaint narrative:
TransUnion is reporting a detogatory collection from XXXX from XX/XX/2008 that should have been deleted after 7 years. The account has been on my report for 10 years and 10 months.

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 2018-11-24 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: MO

Complaint narrative:
TransUnion and XXXX is showing a collections account from XXXX XXXX that has been paid via settlement. I have disputed said account with both bureaus to have the account deleted from my credit report but to no avail.

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 2018-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax on XX/XX/2018 I file with the CFPB a complaint ref XXXX you reponded you were working on dispute and more time was needed. It has now been over 60 days sense CFPB sent you the dispute and you are in violation. { remove this account at once forever for failuer to respond. it clearly shows that there is no evidence I own this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX and Equifax is showing a collections account from XXXX XXXX  that has been paid via settlement. I have disputed said account with both bureaus to have the account deleted from my credit report but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: FL

Complaint narrative:
I submitted a identity theft report to XXXX and Experian and they both denied me my right to have the information blocked from my credit report. I was not given a reason as to why the information wasn't removed, they also did not block the information from my report within 4 business days as they are supposed to. This is infringing upon my right as a consumer to have corrected and updated information to be shown on my credit reports, this hurts my ability to obtain credit. I would like to request that they immediately delete the accounts that are fraudulent and do their best to keep inaccurate info off my reports and from hurting my chances at obtaining credit.

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 2018-11-24 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: MN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-24 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: FL

Complaint narrative:
I submitted a identity theft report to Transunion and XXXX and they both denied me my right to have the information blocked from my credit report. I was not given a reason as to why the information wasn't removed, they also did not block the information from my report within 4 business days as they are supposed to. This is infringing upon my right as a consumer to have corrected and updated information to be shown on my credit reports, this hurts my ability to obtain credit. I would like to request that they immediately delete the accounts that are fraudulent and do their best to keep inaccurate info off my reports and from hurting my chances at obtaining credit.

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 2018-11-24 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: MN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Usaa will not give me a loan unless secured or will only offer me loans with extremely high interest rates. I have good credit with good payment history leading back almost 20 years. The rates they offer are usually double what other companys offer without explanation of why I cant recieve a fair rate. I have banked with USAA since 2002 when I joined the XXXX. I've purchased 2 homes and several cars none of which I have been able to secure a loan with usaa with a fair rate which forces me to go else where which is what I think there intentions are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: LA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-24 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: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-24 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:
On my Transunion credit report there are two hard inquires from XXXX. One inquiry is dated XX/XX/2017 while the other is dated XX/XX/2017. Both are being shown on my credit report when I applied for a home mortgage both times. Since both inquires were for a home mortgage during a two day time frame, shouldn't my credit report reflect only one inquiry?

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 2018-11-24 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Caine & Weiner {$1500.00} I challenge the accuracy, compliance and reportability of this listing by Caine & Weiner, and I contacted original creditor and was informed that this is an error and you must remove it, and they stated that this was not verified by their companyaccount was settled with original creditor ( 01 XXXX XXXX  ) no contract existdebt can not be collected twice ; this against the law.

... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow.

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: LA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation