vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: CA

Complaint narrative:
I sent the money on XX/XX/year>, but noticed that on the receipt that name of the recipient was incorrect. I called Ria Remittance and told them the incorrect name and was told that they can not correct it anymore since transaction was done at the store of their branch. The customer said that it will be refunded to my account since name was incorrect. Been calling them every day but the same problem. Then they asked for my recipient bank statement which was provided to them XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX as well showing that there was no remittance received by the bank until XX/XX/XXXX. Then they " claimed '' on XX/XX/XXXX ( after more than a month ) that the money was deposited and provided details but not the bank deposit itself showing the information exactly as the bank statement provided to them which we never did only because we only provided to them account number XXXX under XXXX XXXX XXXX XXXX ( correct spelling should be XXXX as per receipt ). 

I have requested real bank deposit or certification so my granddaughter can make the proper representation and verify the correctness of the information provided by Ria counterpart. 

The money that i sent is an urgent need to help my granddaughter to renew her status in XXXXXXXX XXXX XXXX but it defied our purposes as money was not received on time and we have to borrow money from my brother so we can help her. My Brother was able to send the money on XX/XX/XXXX using another remittance center using a different bank account and in minutes only with all the correct information and remittance was received accordingly I need my money to be refunded so i can pay my brother on the loan that we have made to be able to help my granddaughter. 

It's been dragging already as until now the money that Ria claimed deposited was not received at all and i need my money back. Please help urgently. Thank you so much. 

I have all the documents regarding this that i can be able to send to you.

Warmest regards- XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting 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:
Hello, I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.

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 2024-08-27 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: VA

Complaint narrative:
The record of my payments is normally punctual, so these late payments seem out of place.

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 2024-08-27 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: PA

Complaint narrative:
Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: PA

Complaint narrative:
Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.

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 2024-08-27 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: GA

Complaint narrative:
Consumer Financial Protection Bureau RE : Complaint against Equifax for failing to remove inquiries from credit report To whom it may concern, I am writing to file a complaint against Equifax credit reporting agency. 

My name is XXXX XXXX and inaccurate inquiries remain on my Equifax credit report despite providing documentation to prove they are not mine. 

In XX/XX/year>, I discovered multiple inquiries on my Equifax credit report from lenders I did not apply with. Believing this to be identity theft, I immediately filed an identity theft report with the FTC. I also sent Equifax copies of this FTC report, a signed affidavit disputing the inquiries, a copy of my driver 's license for verification of my identity, and express mailed these documents requesting the inquiries be removed. 

It has now been over months and Equifax has failed to remove the inaccurate inquiries from my credit report as required. I have called on multiple occasions and submitted online disputes but no changes have been made. These inquiries are lowering my credit score and impacting my ability to obtain credit. 

I feel Equifax has violated the Fair Credit Reporting Act by not conducting a reasonable investigation and failing to remove the disputed inquiries. I request the CFPB conduct an investigation into this matter and require Equifax to remove the inaccurate inquiries. 

Please advise on next steps. All documentation and correspondence can be provided. I appreciate your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-08-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Requested mortgage assistance for my mortgage several times because I have been XXXX for several years. Was forced to file bankruptcy a few months ago to stop the foreclosure sale. Submitted request XXXX for mortgage assistance with my financials to bring my mortgage current. I am XXXX XXXX  XXXX from a XXXX  injury. This bank refuses to assist me with mortgage modification to bring my mortgage current. I feel I am being discriminated against because I am a XXXX and XXXX. My conversations with customer service at the bank have implied I don't understand why the bank will not provide mortgage assistance for your mortgage. The bank assists other homeowners who have mortgages with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally file a complaint against XXXX, one of the major credit reporting agencies, for its repeated violations of the Fair Credit Reporting Act ( FCRA ). I believe that XXXX has failed to uphold its legal obligations, causing significant harm to my credit profile and denying me access to vital information about my credit standing. 

XXXX. Inaccurate Data on My Credit Report Despite my numerous attempts to correct errors on my credit report, XXXX has consistently failed to address these inaccuracies. I have filed multiple disputes regarding incorrect information that continues to appear on my credit report. Each time, I have provided sufficient evidence to support my claims, yet XXXX has either ignored my disputes or failed to correct the erroneous data. This persistent inaccuracy is a direct violation of FCRAs mandate that credit reporting agencies maintain and report accurate information. 

XXXX. Denial of Access to My Credit Report and Credit Score For the past several months, I have been unable to access my credit report and credit score through XXXX. Despite multiple attempts to retrieve this information, I have been consistently denied access without any valid explanation. This lack of access impairs my ability to monitor my credit health and take necessary actions to manage my financial responsibilities. This, too, is a violation of my rights under the FCRA, which entitles consumers to access their credit information. 

I am deeply concerned that XXXX actionsor lack thereofare negatively impacting my financial standing and potentially my ability to secure credit or favorable interest rates. These repeated issues are causing me undue stress and frustration. 

Given the seriousness of these violations, I respectfully request that the CFPB investigate XXXX 's practices and take appropriate enforcement action to ensure they comply with all applicable laws under the FCRA. I also request that my credit report be immediately corrected, and that I be granted full access to my credit report and score without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to formally file a complaint against XXXX, one of the major credit reporting agencies, for its repeated violations of the Fair Credit Reporting Act ( FCRA ). I believe that XXXX has failed to uphold its legal obligations, causing significant harm to my credit profile and denying me access to vital information about my credit standing. 

XXXX. Inaccurate Data on My Credit Report Despite my numerous attempts to correct errors on my credit report, XXXX has consistently failed to address these inaccuracies. I have filed multiple disputes regarding incorrect information that continues to appear on my credit report. Each time, I have provided sufficient evidence to support my claims, yet XXXX has either ignored my disputes or failed to correct the erroneous data. This persistent inaccuracy is a direct violation of FCRAs mandate that credit reporting agencies maintain and report accurate information.

2. Denial of Access to My Credit Report and Credit Score For the past several months, I have been unable to access my credit report and credit score through XXXX. Despite multiple attempts to retrieve this information, I have been consistently denied access without any valid explanation. This lack of access impairs my ability to monitor my credit health and take necessary actions to manage my financial responsibilities. This, too, is a violation of my rights under the FCRA, which entitles consumers to access their credit information. 

I am deeply concerned that XXXX actionsor lack thereofare negatively impacting my financial standing and potentially my ability to secure credit or favorable interest rates. These repeated issues are causing me undue stress and frustration. 

Given the seriousness of these violations, I respectfully request that the CFPB investigate XXXX 's practices and take appropriate enforcement action to ensure they comply with all applicable laws under the FCRA. I also request that my credit report be immediately corrected, and that I be granted full access to my credit report and score without further delay.

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 2024-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Well to start I came to review my car options and how they operate I had to apply before I could know which car I qualified for. I explained to the sales person I was looking at other options for cars but the sales person told me dont get a car from them just get this car I told them I wanted time to think about this but she convinced me this was a nice car and I stupidly trusted them. All I was told was how much I need down for the car and when I asked what the total amount of the car was I was told I am in a credit building program and this would help my credit misleading me. I was not given paperwork break down of what the apr was or even the finance charge when I signed my initials on the lease agreement I was given some blank command prompt to add my signature and this transferred over to the paperwork I was never given the printed paperwork until after it was already signed. The very next day of riding the vehicle there was an engine light coming on I go get it checked they say the car had a bad catylac converter and this is when after reading my car loan paperwork I was told that I have been completely overcharged for the vehicle I was financed that came with major problems. The cars value is only about XXXX in good condition unlike mine but I was sold the car for double that at XXXX the vehicle isnt even worth this price and had cosmetic damage. Then on top of this additional XXXX over the car value I was being charged a high interest rate for no reason 24.49 % and my credit was about a XXXX when I applied adding a XXXX interest on top. So monthly it says my bill is XXXX only XXXX of that goes towards the payment on my loan which they have been fluctuating monthly and the interest off XXXX goes to them which I dont understand how the interest amount changes monthly I believe I am being scammed corrupted and robbed by this company and they need to be stopped. From the car lot charging double of value to this car to the loan company having sketchy tactics since I payed my first bill the amount it went down to {$16000.00} then now two months later my balance is XXXX which I dont see how it is going up after I made payments. The signatures I made you can clearly seen were done from a computer not by hand.

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 2024-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 non-monetary relief