vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to file a formal complaint against Equifax, citing violations of consumer protection laws and specific provisions of the United States Code, in relation to multiple unauthorized hard inquiries appearing on my credit report. Despite my diligent efforts to address this matter directly with Equifax, the company has failed to conduct a thorough investigation and has neglected its obligations under the relevant laws. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this issue and ensure compliance. Equifax 's handling of this situation has been deeply unsatisfactory. Despite my repeated attempts to rectify this issue, Equifax has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ), as well as other pertinent consumer protection laws, including but not limited to : Section 1681i ( a ) of the FCRA, states that credit reporting agencies must conduct a reasonable investigation of disputed information and correct or remove inaccurate or incomplete items within 30 days of receiving a dispute notification.

Section 1681e ( b ) of the FCRA, requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of consumer information and to investigate consumer disputes promptly.

Section 1681e ( a ) of the FCRA mandates that credit reporting agencies have a duty to provide accurate information in consumer reports.

Equifax 's disregard for these provisions not only violates my rights as a consumer but also undermines the integrity of the credit reporting system as a whole. 

Inquiries : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 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: OK

Complaint narrative:
i don't know what to say anymore and you just keep on saying everything was still in review. please review my letters properly

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 2023-07-14 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXXat XXXXXXXX XXXX, the Amazon delivery person arrived at my house to deliver the order XXXX. When he handed it to me, the box is damaged and the driver made some weird comment about the product I purchased. I didn't pay attention to it but receiving the damaged box because I was on an online meeting. When I opened the box around 5 minutes later, it's an total empty box full with brown papers. 
I contacted Amazon customer service right away, the next day, XX/XX/XXXX, I received an email from Amazon 's team saying that the package showed delivered, so the only way for me to start the process of getting refunds is to provide a completed police report. Amazon never provide more details but make the assumption base on what shows on the tracking, despite I received an empty box. 

I contacted Synchrony, Amazon store card issuer, on XX/XX/XXXX when the transaction posted on my account. I received an letter from the bank on XX/XX/XXXX stating during the reviewing process, a temp credit will be providing. However, I've contacted Synchrony five times since, and they all confirmed that the dispute is under reviewing but the temp credit has not in my account for some reasons they couldn't answers. 

I've provided every evidence including official police report ( XXXX ), as well as all email communications Amazon and I had in which Amazon stated that the refund will issues once I provided official police report, which I did on XX/XX/XXXX. 

The order details : AMAZON XXXX XXXXXXXX XXXX  XXXX EQUAL MONTHLY PAYMENTS 0 % XXXX XXXX XXXX XXXX XXXX XXXX XXXX SHIPPING AND TAX XX/XX/2023 {$4200.00}

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 monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I have a checking account with PNC Financial Services Group ( acquired XXXX XXXX, RBC ). I am writing to make formal complaints against the PNC Financial Services Group. 
<br><br><br> <br><br><br> <br><br><br> PNC 's security system was NOT just imperfect as RBC stated but had OBVIOUS flaws, and your security flag was totally a false alarm. It was wrongly flagged from a check deposit ( I did deposit my husband 's checks five years in a row ( with his authorization and signature -- suggested by former RBC 's agents, a normal behavior ). So, it's NOT something new this time -- a NORMAL behavior. Most importantly, his check was cleared just fine and deposited successfully. And PNC 's investigation also showed that there was NO issue involved, whatsoever. 
<br><br><br> <br><br><br> <br><br><br> Furthermore, all other deductions/scheduled payments were also processed fine in my account at the same time. How could PNC have just " selectively '' canceled and deleted that scheduled, important, and critical payment ( to the City of XXXX XXXX every year for the past XXXX  years in a row -- NOT something new, and NOT to mention that this payment was scheduled/set up BEFORE your security flag ), totally without warning and any of my knowledge?? ( Additionally, PNC wrongly blocked/took away my access!! ) Therefore, it was PNC 's system flaws/system fault to have caused my late payment and a penalty of {$230.00} from the City of XXXX XXXX . NO excuses in ANY circumstances, whatsoever! 
<br><br><br> <br><br><br> <br><br><br> Given all of the above, PNC should definitely be responsible and held accountable. The facts are more than clear, undeniable, and undisputable! Other banks would NEVER have deleted. PNC Financial Services Group ( former XXXX XXXX XXXX has NO excuses under ANY circumstances, period!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name, XXXX, # XXXX ; Account Name, XXXX OF XXXX, # XXXX ; Account XXXX XXXX XXXX XXXX XXXX # XXXX ; Account name, XXXX  XXXX # XXXX ; XXXX  XXXX XXXX XXXX. 

15 USC 1681 section 602 A states that I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish my a account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information. Other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name, XXXX, # XXXX ; Account Name, XXXXXXXX XXXX XXXXXXXX, # XXXX ; Account Name XXXX XXXX XXXX XXXX # XXXX ; Account name, XXXX XXXX # XXXXXXXX ; XXXX  XXXX XXXX XXXX. 

15 USC 1681 section 602 A states that I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish my a account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information. Other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I DID NOT SIGN ANY AGREEMENT THAT XXXX XXXX COULD FURNSH MY PERSONAL INFORMATION TO ANY COMPANY, WHICH IS A VIOLATION OF 15 USC 6821A. THIS IS AN ADVERSE ACTION AND IDENTITY THEFT. THIS IS ALSO A CLEAR VIOLATION 15 USC 1681B ( 2 ). THE REPORT OF 2 ALLEGED LATE PAYMENTS TO MY ACCOUNT XXXX IS NOT VERIFIED, WHICH IS A CLEAR VIOLATION OF 15 USC 1681A ( 4 ). THE INFORMATION PROVIDED TO THE CONSUMER REPORTING AGENCIES OF LATE PAYMENTS ARE INACCURATE AND A DEFAMATION OF MY CHARACTER, WHICH IS VIOLATING 15 USC 1681E ( B ) AND 15 USC 6821A ( 2 ). THIS INCORRECT REPORTING IS CAUSING DENIALS WHENEVER I'M TRYING TO EXTEND MY CREDIT FOR PERSONAL, FAMILY AND HOUSEHOLD USE.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I DID NOT SIGN ANY AGREEMENT THAT XXXX XXXX COULD FURNSH MY PERSONAL INFORMATION TO ANY COMPANY, WHICH IS A VIOLATION OF 15 USC 6821A. THIS IS AN ADVERSE ACTION AND IDENTITY THEFT. THIS IS ALSO A CLEAR VIOLATION 15 USC 1681B ( 2 ). THE REPORT OF 2 ALLEGED LATE PAYMENTS TO MY ACCOUNT XXXX IS NOT VERIFIED, WHICH IS A CLEAR VIOLATION OF 15 USC 1681A ( 4 ). THE INFORMATION PROVIDED TO THE CONSUMER REPORTING AGENCIES OF LATE PAYMENTS ARE INACCURATE AND A DEFAMATION OF MY CHARACTER, WHICH IS VIOLATING 15 USC 1681E ( B ) AND 15 USC 6821A ( 2 ). THIS INCORRECT REPORTING IS CAUSING DENIALS WHENEVER I'M TRYING TO EXTEND MY CREDIT FOR PERSONAL, FAMILY AND HOUSEHOLD USE.

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 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: GATEWAY FIRST BANK
State: PA

Complaint narrative:
I opened a checking account on XX/XX/. An account number was issued and I made two direct deposits from my employer. The direct deposits were returned to my employer and the account was closed without notice. Gateway offered a {$250.00} bonus for setting up a direct deposit but did not pay this amount. This caused a lot of problems for me as I was unable to access my paycheck funds that were returned to my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # 's XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights .

15 U.S.C 1681 Section 602A States I have the rights to privacy.

! 5 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I DID NOT SIGN ANY AGREEMENT THAT XXXX XXXX COULD FURNSH MY PERSONAL INFORMATION TO ANY COMPANY, WHICH IS A VIOLATION OF 15 USC 6821A. THIS IS AN ADVERSE ACTION AND IDENTITY THEFT. THIS IS ALSO A CLEAR VIOLATION 15 USC 1681B ( 2 ). THE REPORT OF 3 ALLEGED LATE PAYMENTS TO MY ACCOUNT XXXX IS NOT VERIFIED, WHICH IS A CLEAR VIOLATION OF 15 USC 1681A ( 4 ). THE INFORMATION PROVIDED TO THE CONSUMER REPORTING AGENCIES OF LATE PAYMENTS ARE INACCURATE AND A DEFAMATION OF MY CHARACTER, WHICH IS VIOLATING 15 USC 1681E ( B ) AND 15 USC 6821A ( 2 ). THIS INCORRECT REPORTING IS CAUSING DENIALS WHENEVER I'M TRYING TO EXTEND MY CREDIT FOR PERSONAL, FAMILY AND HOUSEHOLD USE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I DID NOT SIGN ANY AGREEMENT THAT XXXX XXXX COULD FURNSH MY PERSONAL INFORMATION TO ANY COMPANY, WHICH IS A VIOLATION OF 15 USC 6821A. THIS IS AN ADVERSE ACTION AND IDENTITY THEFT. THIS IS ALSO A CLEAR VIOLATION 15 USC 1681B ( 2 ). THE REPORT OF 3 ALLEGED LATE PAYMENTS TO MY ACCOUNT XXXX IS NOT VERIFIED, WHICH IS A CLEAR VIOLATION OF 15 USC 1681A ( 4 ). THE INFORMATION PROVIDED TO THE CONSUMER REPORTING AGENCIES OF LATE PAYMENTS ARE INACCURATE AND A DEFAMATION OF MY CHARACTER, WHICH IS VIOLATING 15 USC 1681E ( B ) AND 15 USC 6821A ( 2 ). THIS INCORRECT REPORTING IS CAUSING DENIALS WHENEVER I'M TRYING TO EXTEND MY CREDIT FOR PERSONAL, FAMILY AND HOUSEHOLD USE.

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 2023-07-14 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: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # 's XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Has violated my rights .

15 U.S.C 1681 Section 602A States I have the rights to privacy.

! 5 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

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 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I opened an account in XX/XX/2023, because I saw an ad for a {$320.00} checking bonus promotion with over {$1000.00} of direct deposits to the account. Within the month of XXXX, I posted {$1200.00} worth of direct deposit transactions to the account as evidenced by the XXXX statement. In XXXX, I called the local branch on XXXX in XXXX, AZ to see what was up with the bonus and they assured me that the transactions did in fact qualify and to wait to see the bonus. I called again to the branch in early XXXX and was told to wait until the end of the month to see the bonus post. At the end of XXXX, on XXXX I called the corporate support team and they said I didnt qualify- then I told them when the XXXX posted as well as correcting them about there being no minimum balance requirement attached to the offer code. I was then told that I should have received it and that they would file a non payment of bonus form on my behalf and it would take XXXX business days for a response. I called on XXXX to see what happened since it had been XXXX business days, and I was told to wait another day until today to get a response. I called today, XXXX, and was told that the form had been submitted but there was probably a backlog and to wait more. This is extremely frustrating and it seems all the cards are stacked against me here. I have proof I applied the offer code, proof I met the requirements per their system status as well as a branch representative confirming I met the requirement during the qualification period, and it has now been more than the highest end of time their support quoted to get a resolution and I am still being told to wait. I just want my {$320.00} bonus that I am owed. It has taken hours of time and I have gotten nowhere. I have been told by the highest level of phone support that they have no power to resolve this and must just wait for the form they submitted to make its way through the process- no way to credit my account, no way to contact the non payment of bonus team. This is unacceptable. Furthermore, I have seen many other people in similar situations as me online post about there being duplicate bonuses on their accounts, and others getting none. Any attempt to say my XXXX isn't XXXX is invalid as their system says it is a XXXX and many others with similar deposit methods received their bonus, and they should treat all customers equally although it appears not. Their systems and processes are clearly dysfunctional in this regard. All I am asking for is the bonus I am owed you would think with XXXX XXXX track record they would be better in this regard. Apparently not.

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 2023-07-14 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: AL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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