vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I was lied to multiple times by PNC bank regarding a {$600.00} Mail in promotion. I called asking on XXXX is XXXX  fine, and the amount of the promotion is for {$600.00}. They confirmed both with me. I started to put my XXXX  paychecks ach linked to my XXXX  account, and my XXXX paychecks to PNC Bank. However, first issue, the representative told me the amount was for {$400.00}. I told them to look at the phone call in which the manager XXXX confirmed with me it was for {$600.00}, and just wait for the bonus to be credited for the amount. Secondly, I was told that it would be credited after 60 days, it never got credited after 60 days. They asked me who the employer was, I told them it was XXXX, and after checking, they confirmed with me I would recieve it within the 60 day time-frame, but could be sooner. After 60 days hit, again, they told me I was lied to, but it would be 60-90 days. Okay, recently 90 days is coming up, the bonus still hasn't been applied, I called, and they told me that XXXX  does not count. First of all, I confirmed with the representative that XXXX  counts, and they said yes. I've confirmed with them multiple times about the amount of the bonus and when it will be applied, and they confirmed that it will be applied within this time frame. Within this timeframe, they have charged me an account service fee, I assume to make money on service fees whilst lying about crediting the bonus. Today after finally speaking with the representative, they are not willing to work with me at all, even after PNC bank SAID XXXX counts, SAID the bonus will be for {$600.00}, SAID twice in my phone calls that the bonus will be credited, just wait the 60-90 days. Now that the wait is over, they have the information that the bonus will not be credited, and that since it is not automatic, XXXX  does not count. In the terms and conditions, it states reoccuring from an outside agency, in which XXXX  is the outside agency, and its transferred from XXXX  to you guys reoccuring as it was made multiple times. In the end, I followed the terms and conditions, I followed the rules that you guys told me, and this bonus should be honored because if you guys lie to me about the information about the bonus, and lie to me about the terms and conditions, as employers you guys are representatives of the actions behind the company, if I can not trust what the bankers of PNC say or the terms and conditions, what is the truth behind any of what they say?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LD Holdings Group, LLC
State: MI

Complaint narrative:
A notice was sent to merchant to validate and confirm the account number. The account number does not match what was received. The name of the issuer is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generall, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am writing to request the removal authorized hard inquiries from several different companies My latest credit report shows on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ally Financial C/O GMA, XXXX XXXX XXXX I did not authorize. I am writing to dispute the following inquiries and asking for their removal from my credit report please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am writing to request the removal authorized hard inquiries from several different companies My latest credit report shows on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Santanbercon Sumer USA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize. I am writing to dispute the following inquiries and asking for their removal from my credit report please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting 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: MA

Complaint narrative:
In response to my formal dispute letter sent on XX/XX/year>, regarding inaccurate and/or fraudulent information on my credit report due to the XXXX XXXX XXXX, I have not received any resolution within the man

dated 30- to 45-day period under the Fair Credit Reporting Act ( FCRA ), 1681i. One of the disputed items includes a n
egative entry from XXXX XXXX, account number XXXX, which I believe to be fraudulent. I provided supporting documentation, including an FTC Identity Theft Report, to demonstrate that this account was opened or used without my authorization. 

As no action or response has been taken to verify or resolve this matter, the FCRA 1681i ( a ) ( 5 ) ( A ) requires that this account and all associated negative information be deleted immediately. 

I request the prompt removal of this and any other unverifiable items listed in my original dispute letter. Additionally, please confirm the corrections in writing as required by law. 

Thank you for your attention to 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 2024-11-27 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Unauthorized inquiries remain on my consumer report despite documented identity theft. These fraudulent entries violate federal law and have directly impacted my financial standing. I have filed reports with the FTC ( documentation attached ) confirming my victim status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 convictions 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 explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion Formal complaint and demand for immediate action concerning erroneous information on my credit report resulting directly from the XXXX XXXX XXXX. As a victim of identity theft, I invoke my rights under the Fair Credit Reporting Act ( FCRA ), particularly under Sections 605B, 611, 609, 623, 616, and 617.Section 609 ( 15 U.S.C. 1681g ) : I request a full disclosure of all information in my credit file as it stands post-dispute. 
Section 623 ( 15 U.S.C. 1681s-2 ) : I demand confirmation that all furnishers of the incorrect information have been instructed to cease reporting the inaccurate data. 
Sections 616 & 617 ( 15 U.S.C. 1681n and 1681o ) : I am prepared to pursue damages for willful or negligent noncompliance with FCRA requirements that have led to ongoing harm. 
Failure to comply with these legal obligations will leave me no choice but to consider further action, including the possibility of legal proceedings against your agency for non-compliance.

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 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Comerica
State: WI

Complaint narrative:
I have tried unsuccessfully multiple times to supply Direct Express with the documentation they requested so I can transfer money to my interest bearing checking account... I have been denied each and every time without an explanation why ..... I also tried to close my account unsuccessfully ... .. they will not close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of a bankruptcy entry currently appearing on my credit report. According to your response dated XX/XX/year>, you have verified this bankruptcy entry through XXXX. However, XXXX has provided me with a report on XX/XX/year>XXXX  indicating that no such bankruptcy record exists under my name. This discrepancy between your report and the XXXX report demonstrates that the bankruptcy entry is not mine and is inaccurately reported on my credit file. 

It is important to note that XXXX does not directly verify bankruptcy records, as courts are the only legitimate authorities that can verify the legitimacy and details of a bankruptcy filing. XXXX serves as a data aggregator, collecting public records from various sources, including courts and legal filings. While they may report on bankruptcy filings, they do not verify the accuracy of the information they collect. The official source of verification for any bankruptcy is the court system, not XXXX. 

Moreover, even if XXXX were to verify the accuracy of the bankruptcy information, courts do not provide bankruptcy information to third-party reporting agencies, credit reporting agencies or anyone other than the parties directly involved in the case. Bankruptcy records are generally available only to the debtor, creditors, and other parties involved in the bankruptcy proceedings, and they are not disclosed to outside entities unless authorized. As such, the claim that this bankruptcy was verified by XXXX is inconsistent with the legal protections surrounding bankruptcy records. 

Given that XXXX has no record of a bankruptcy filing under my name, and the court system does not show such a record, the information on my credit report is clearly erroneous. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, you are required to ensure the accuracy and completeness of the information reported on consumer credit reports. If you receive a notice of dispute from a consumer, you must conduct a reasonable investigation to verify the accuracy of the information. In this case, you have failed to properly verify the bankruptcy, as evidenced by the conflicting information between your report and the XXXX database. I will provide the public record section of my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Earnest Inc.
State: MI

Complaint narrative:
MOHELA is calling me excessively about my student loan with XXXX. The calls are at all times of the day and up to 5 phone calls a day. Ive asked several times to be placed on a Do Not Call list or to be removed from their auto dialer. The MOHELA representative each time says thats not possible and they are allowed to continue to call me despite my advising that it is an FDCPA violation. 

I tried resolving this with XXXX and they advised they could do nothing and referred me to MOHELA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In response to my formal dispute letter sent on XX/XX/year>, regarding inaccurate and/or fraudulent information on my credit report due to the Equifax data breach, I have not received any resolution within the mandated 30- to 45-day period under the Fair Credit Reporting Act ( FCRA ), 1681i. 

One of the disputed items includes a negative entry from XXXX XXXX, account number XXXX, which I believe to be fraudulent. I provided supporting documentation, including an FTC Identity Theft Report, to demonstrate that this account was opened or used without my authorization. 

As no action or response has been taken to verify or resolve this matter, the FCRA 1681i ( a ) ( 5 ) ( A ) requires that this account and all associated negative information be deleted immediately. 

I request the prompt removal of this and any other unverifiable items listed in my original dispute letter. Additionally, please confirm the corrections in writing as required by law. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting 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:
I am writing to inform you that I am a victim of a data breach, and fraudulent inquiries have been added to my credit file as a result. I request that all accounts and inquiries listed below be blocked and deleted from my credit report as required under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Inquiries to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation