vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Request for Immediate Removal of Unauthorized Hard Inquiries I hope this letter finds you well. My name is [ Your Full Name ], and I am writing to address a matter of concern regarding my credit report. Upon reviewing my credit report, I have identified unauthorized hard inquiries that were made without my consent. I am requesting the immediate removal of these inquiries in accordance with applicable laws and regulations.

I refer to the Fair Credit Reporting Act ( FCRA ), specifically Section 1681b ( c ), which states that a consumer reporting agency may not make a consumer report containing information that results from an inquiry into a consumer 's credit report unless the inquiry is initiated by the consumer or for a permissible purpose.

Unauthorized hard inquiries are not permissible under the FCRA, and I assert my right to have them promptly removed from my credit report.

Additionally, I would like to bring to your attention Section 1681i ( a ) ( 5 ) ( A ) of the FCRA, which requires consumer reporting agencies to promptly delete inaccurate or incomplete information. Unauthorized hard inquiries fall under the category of inaccurate information, as they were not initiated by me or for a permissible purpose. Therefore, I am requesting the immediate deletion of these unauthorized hard inquiries from my credit report.

I also reference the Credit Repair Organizations Act ( CROA ), which is designed to protect consumers from unfair and deceptive practices related to credit repair services. Unauthorized hard inquiries, not initiated by the consumer, can be considered a violation of these protections.

In light of the aforementioned legal provisions, I kindly request that [ Credit Reporting Agency Name ] promptly investigate and remove the unauthorized hard inquiries from my credit report. I expect this process to be completed within the timeframe stipulated by law.

I appreciate your prompt attention to this matter and anticipate a timely resolution. Please provide written confirmation once the unauthorized hard inquiries have been removed from my credit report. Thank you for your cooperation and adherence to the laws that protect consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc.
State: NV

Complaint narrative:
I XXXX XXXX XXXX submitting a complaint against Sendwave company money remittance I send the money on XX/XX/year> XXXX to my bank account in the XXXX  XXXX did not recive the money i send {$1500.00} usd and only {$1000.00} i receive and then they trying to trick the consumer. {$500.00} it says not deliver and i send it again says deliverd and they told me not deliver but they debited into my bank. please help me to take action againts send wave because they are scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: CT

Complaint narrative:
I received escrow projection statement for my loan. The projection has an error, its missing XX/XX/year> escrow money in entry. That missing entry is causing shortage next year and puts additional charge on my loan. Contacted PNC bank to resolve the error and / or rerun the projection again. PNC Bank stated the projection is correct and refuses to rerun projection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Each time I speak with a representative. They start and dispute. Which is a stall tactic to me. Because if I already have my documents on file. Why do you keep starting the dispute process over and over and ignoring what have already been sent. Ive asked multiple time for them to block and or delete the information on my credit file that is not mines.

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 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-12 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: NY

Complaint narrative:
FAIR CREDIT REPORTING AGENCY states : 15 USC 1681 section 602 a states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' EXPERIAN is a consumer reporting agency and I am the Consumer. " 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. 

XXXX XXXX XXXX XXXX has provided me 1099 C form- which is a certificate of indebtedness. 
Income can not be reported on my credit report! 
EXPERIAN IS not maintaining reasonable procedures.

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 2024-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
it is illegal to report transaction history. also in XXXX XXXX pivacy agreement they promised not to share my private information with non affiliates. please remove any and all utilization from my credit report because i am now opting out of sharing INDEFINITELY as i have the right to do so. All three credit bureaus are non affiliates and for no reason should they have my utilization information.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time Attached is my opt out letter i sent 2 weeks ago.

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 2024-08-12 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: CA

Complaint narrative:
it is illegal to report transaction history. also in wells fargo pivacy agreement they promised not to share my private information with non affiliates. please remove any and all utilization from my credit report because i am now opting out of sharing INDEFINITELY as i have the right to do so. All three credit bureaus are non affiliates and for no reason should they have my utilization information.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 2 ) with the consent or at the direction of the consumer ; ( XXXX ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time Attached is my opt out letter i sent 2 weeks ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: CA

Complaint narrative:
it is illegal to report transaction history. also in wells fargo pivacy agreement they promised not to share my private information with non affiliates. please remove any and all utilization from my credit report because i am now opting out of sharing INDEFINITELY as i have the right to do so. All three credit bureaus are non affiliates and for no reason should they have my utilization information.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 2 ) with the consent or at the direction of the consumer ; ( XXXX ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time Attached is my opt out letter i sent 2 weeks ago.

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 2024-08-12 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: CA

Complaint narrative:
I'M REQUESTING FOR THE ORIGINAL COPY OF THE AGREEMENT & TERMS & CONDITION. FAILURE TO COMPLY WILL FORFEIT YOUR CLAIMS AND WILL REQUIRE YOU TO DELETE ALL THE LIST OF ITEMS ABOVE. YOU ARE REQUIRED TO DO WHAT I AM ASKING AND BLOCK THESE TRANSACTIONS FROM BEING REPORTED TO MY CONSUMER REPORT WITHIN 4 BUSINESS DAYS FROM THE DATE OF RECEIPT OF THIS NOTICE. 
THANK YOU

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 2024-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
Wednesday XX/XX/year> I was hacked through XXXX and they were able to get onto my phone with an app they had me download. I was gullable and downloaded the app. They were able to navigate my phone as me and by the time I realized I was being scammed they had already made a {$980.00} Zelle transaction to themselves as a XXXX XXXX! They had also tried to change my address on file at my bank as well as well as locking me out of my face book and trying to lock me out of my emails so I could fix this! My XXXX  account and Zelle refused to make this right! I was barley able to pay my bills this month! I have made a XXXX XXXXXXXX report as well as from my XXXX  account and tried to through Zelle as well. It is not right That we are not protected through these type of transfers! I had to change all my accounts and passwords for multiple apps and my bank this last week. Please help me recover my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you mv identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Americor Funding, LLC
State: WI

Complaint narrative:
I signed up with Americor, a debt resolution company, in XX/XX/XXXX with appx XXXX in debt. I was told for a payment of {$560.00} for XXXX  months I would be debt free. After making these payments for XXXX  months, Americor referred me to their sister company, Credit 9, My payments then went to {$700.00} for XXXX  months for XXXX of debt. I made XXXX payments to Credit 9, at which time I told them to have a negotiator call me. They told me XX/XX/XXXX that a negotiator would call. The call has never come, and I stopped payment on their auto withdrawal at my bank. They have sent numerous emails, I have responded telling them to have a negotiator call me, they still haven't had a negotiator call me. I have already paid XXXX toward my original debt between these XXXX companies and they are trying to collect nearly XXXX from me. They are banned from doing business in Colorado for XXXX  years for this very thing. They are both fraudelet companies and need to be shut down in my opinion. Thank you in advance for any resolution you can provide.

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
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 non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I received an email notice of a mortgage application from XXXX XXXX. I did not make the application. After contact the bank, I started working to place credit freezes at XXXX, Experian, and XXXX. 

I attempted to use Experian 's web UI but could not find how to place a freeze. They repeatedly directed me to their " credit lock '' product, which costs money. I tried using their mobile app. Same problem. Using instructions from https : //www.experian.com/blogs/ask-experian/how-to-add-a-security-freeze-to-your-credit-file/ I then called XXXX. 

This is where things get interesting. 

Upon calling, a recording told me I qualified for a free medic alert device. Without taking any action, I was transferred to a recording of " XXXX ''. This recording was designed to appear to mislead me into believing it was a real person : it asked me if I could hear them, and waited for a response ; and the recording included lots of " ums '' and other naturalistic speech. When I replied " no '' to the question of whether I wanted the medical alert device, a different, lower-quality recording told me I had reached the medic alert center and could not be helped. Then another recording played me some information about Medicare insurance. Then the system hung up. 

Here 's where things get EVEN MORE interesting : I tried to capture this using a free call recorder app ( " XXXX XXXX XXXX '' ). This app works by placing a call for you to the number you're targeting. You then call the service, and your audio is passed through as it records. When you hang up, the audio is made available to you for playback. Because the recording service is placing the call, it presumably displays a different originating number. 

When calls are placed from the recording service, Experian provides an entirely different phone tree experience from a direct call. I repeated this twice with the call recorder and four times with direct calls. The behavior was consistent. 

I am uploading the audio of these calls, which were placed on XX/XX/XXXX. You can also find them at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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