vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 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: FL

Complaint narrative:
Upon reviewing my credit report I notice multiple fraudulent hard inquiries which I did not authorize or consent to such as ( state the hard inquiries ) example 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 XX/XX/XXXX XXXX I made a complaint with identitytheft.gov

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 2024-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
I disputed this account as inaccurate information and no respond to provide proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Formal Complaint Against Experian and XXXX XXXX XXXX Identity Theft and Reporting Violations Dear Consumer Financial Protection Bureau, I am filing a complaint against Experian and XXXX XXXX for refusing to remove late payments from my credit report despite informing them that the account was created through identity theft. I have been disputing the XXXX XXXX account since XXXX, while identity theft has been an ongoing issue since XXXX. 

Attached are the FTC Identity Theft Report and the XXXX police report. Despite these documents, both Experian and XXXX XXXX continue to report late payments. Experian has also failed to delete the fraudulent account even after conducting their investigation. This violates several federal and state laws. 

Violations : XXXX. Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ) Failure to provide information on how my personal data is handled. 


XXXX. 15 U.S.C. 1681 Section 602 Ensures my right to privacy in credit reporting, violated by reporting a fraudulent account. 


XXXX. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Reporting an account without my written authorization. 


XXXX. 15 U.S.C. 1666b Treating a payment as late when an identity theft dispute is ongoing. 


XXXX. Texas Finance Code 392.301 ( a ) ( 3 ) Falsely representing that nonpayment will lead to property seizure without proper notice. 


XXXX. Texas Business and Commerce Code 20.06 Rights to dispute and block fraudulent information from identity theft. 



I initially sought XXXX relief as a final attempt to resolve this issue amicably. This is my last demand before pursuing legal action. 

Request for Action : I request the CFPB to assist in having Experian and XXXX XXXX : XXXX. Remove all late payment reports related to the fraudulent XXXX XXXX account. 


XXXX. Disclose the results of their investigations into my identity theft claims. 


XXXX. Cease reporting the fraudulent account to credit bureaus. 


Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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:
This account needs to be investigated, as the charge is incorrect. My contract with XXXX XXXX XXXX ended ( XXXX refused to replace a non-working phone after I paid for insurance. I had them for 12 years and I refused to enter another contract to purchase another device because the contract was up and the device paid in full ). I made the switch which the new provider pays any early contract term fees ( but this was not needed because the contract was already up ). This account needs to be verified as correct. Stop putting things on my credit report that you havent properly investigated and when I request an investigation dont give me a status the next day because XXXX  XXXX XXXX XXXX verify anything with you less than 24 hours later!!!!!!! I want an ACTUAL investigation not you just saying you did one and marking the dispute closed.

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This account needs to be investigated, as the charge is incorrect. My contract with XXXX XXXX XXXX ended ( XXXX refused to replace a non-working phone after I paid for insurance. I had them for 12 years and I refused to enter another contract to purchase another device because the contract was up and the device paid in full ). I made the switch which the new provider pays any early contract term fees ( but this was not needed because the contract was already up ). This account needs to be verified as correct. Stop putting things on my credit report that you havent properly investigated and when I request an investigation dont give me a status the next day because XXXX  XXXX XXXX didnt verify anything with you less than 24 hours later!!!!!!! I want an ACTUAL investigation not you just saying you did one and marking the dispute closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC.
State: NJ

Complaint narrative:
Afni keeps trying to collect {$950.00} from me when I haven't had the phone for years but keep sending me letters in the mail and I keep telling them that I will get a lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I requested a security freeze be placed on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: TN

Complaint narrative:
I am writing this complaint in response to CFPB complaint XXXX in which I initially asked for verification. However, in response XXXX admits that I may be a victim of fraud. I have filed a police report previous to my initial complaint which attests to XXXXXXXX XXXX conclusion. 
With the above stated facts this account XXXX XXXX XXXX acct # XXXX needs to be deleted immediately, else I will take legal action against all parties concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: TN

Complaint narrative:
I am writing this complaint in response to CFPB complaint XXXX in which I initially asked for verification. However, in response XXXX admits that I may be a victim of fraud. I have filed a police report previous to my initial complaint which attests to XXXXXXXX XXXX conclusion. 
With the above stated facts this account XXXX XXXX XXXX acct # XXXX needs to be deleted immediately, else I will take legal action against all parties concerned.

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 2024-09-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I have had my identity stolen twice now in XXXX when my house got broke into, in XXXX a lady from XXXX XXXX also stole me and my children idenity and XXXX when some lady from XXXX XXXX  hacked my XXXX account and XXXX  I have been through the ringer with these companys and with the data breach 's also it has totally trashed my credit and i can not get any help and it is affecting my life alot XXXX XXXX XXXX XXXX capital one and they have not communicated with as i sent multiple letters to them, you can look at my actual credit my history is good My kohls charge thats paid my home in XXXX i believe and other loans so, i am asking for help Thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
I have had my identity stolen twice now in XXXX when my house got broke into, in XXXX a lady from XXXX XXXX also stole me and my children idenity and XXXX when some lady from XXXX XXXX hacked my XXXX account and XXXX  I have been through the ringer with these companys and with the data breach 's also it has totally trashed my credit and i can not get any help and it is affecting my life alot XXXX XXXX XXXX XXXX XXXX XXXX and they have not communicated with as i sent multiple letters to them, you can look at my actual credit my history is good My XXXX charge thats paid my home in XXXX i believe and other loans so, i am asking for help Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I've noted on my TransUnion credit report - and only at TransUnion XXXX, that there is a collection placed in XXXX for {$350.00} debt collection related to XXXX  service. I terminated XXXX servioce back in XXXX due to mobile phone did not work in XXXX XXXX  and XXXX XXXX areas and switched to another provider. I also submitted the compliant to FCC. Eventually it was a class action against XXXX and I as well as many others its former customers got something from it. Now, XXXX ( ten ) years after the debt collection... appered at my Credit report - and ONLY at TransUnion. My attempt to contact TransUnioon ended when TransUnion offered me to sign up for their for fee service and did not responded to my emails. I believe the TransUnion very unfair and quite illegal institution and should be thorough inspected by the US Goverment. Sure, the fraudulent collection should be immediately removed from 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 explanation
Consumer complaint received 2024-09-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I open a dispute with experian, I currently have things that are disputed and according to 15 USC 1692 c, 15 USC 1681B 18 USC 1028A, you violated of my rights by in lawful communications. I was never given and information the stuff thats was added to my credit file I keep opening disputes over has over again and they wont remove them I even sent letter to the creditor to send me a debt statement they never did therefore this shouldnt be on my credit file

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hard inquiries needs to be removed. Trans Union XXXX are reporting hard inquiries. I never inquired about. I was asked to send a picture of the hard inquiries. I already gave the information that I seen it was stating and gave the dates. I should not have to send a picture when my rights were violated by running this credit check without my permission or consent, it seems like the bank would like me to make it easier while still not helping remove whats wrong you make it harder for me to get this removed and is unfortunate this is the third time Im now demanding for it to be removed. This bank has no regards for rights protected by the fair credit reporting act and consumer laws having no respect for my request as I will be taking further action due to the hard inquiries affecting my ability to move further with life and my pursuit to happiness in getting extended credit due to The numerous hard inquiries from XXXX XXXX  could somebody please look into this and take action on behalf of the bank in respecting my request by protecting my rights by following The law is put in place for consumers .. 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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hard inquiries needs to be removed. XXXX XXXX Experian are reporting hard inquiries. I never inquired about. I was asked to send a picture of the hard inquiries. I already gave the information that I seen it was stating and gave the dates. I should not have to send a picture when my rights were violated by running this credit check without my permission or consent, it seems like the bank would like me to make it easier while still not helping remove whats wrong you make it harder for me to get this removed and is unfortunate this is the third time Im now demanding for it to be removed. This bank has no regards for rights protected by the fair credit reporting act and consumer laws having no respect for my request as I will be taking further action due to the hard inquiries affecting my ability to move further with life and my pursuit to happiness in getting extended credit due to The numerous hard inquiries from one bank could somebody please look into this and take action on behalf of the bank in respecting my request by protecting my rights by following The law is put in place for consumers .. 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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NY

Complaint narrative:
I requested a security freeze be placed on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I requested a security freeze be placed on my credit profile.

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 2024-09-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion have to remove immediately the credit inquiries that I never recognize on my report that is fraud and they have to remove it ASAP. Does credit inquiries not done by me and I did not apply for none of those creditors so please remove it immediately from my credit report. 


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 XXXX XXXX XXXX XXXX XXXX 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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MicroBilt / PRBC (formerly CL Verify)
State: NY

Complaint narrative:
I requested a security freeze be placed on my credit profile on XX/XX/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 2024-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
Now, as I stayed before, XXXX had some discrepancies, I have asked both XXXX and XXXX for the IP addresses they both give me a big runaround but they did send one email the other day when I logged into both accounts and the IP addresses are different even though I was on cellular service on the same device. I do not have a VPN active, when contacting XXXX they told me that all of the IP addresses should be the same so I am trying to contact the bank and get a listing of all IP addresses that have been hooked into my account Could you please add this to the Huntington Bank complaint because you do not give the option of adding more information here are the numbers XXXX And XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland credit is suing me after I told them delete this of my credit report or inaccuracies even sent all this to the wrong address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
This is regarding my CARECREDIT REWARDS MASTERCARD from Synchrony bank. Account ending XXXX I'm a victim of fraud and the bank is not removing those charges for months, here is the incident - A offshore hacker hacked into my XXXX account and placed XXXX fraudulent order on XXXX of XX/XX/year> - Even though XXXX recognize the charges are fraudulent, the Bank is not removing the charges and declining my claim- I talked to XXXX and XXXX XXXX  countless time and XXXX said : - They have already filed an appeal to the bank stating these orders/charges are fraudulent. XXXX 's latest appeal number to Synchrony bank is XXXX dated XXXX XX/XX/year> Please find beloe the XXXX order XXXX, date, fraudulent charges to the credit card XXXX XXXX {$310.00} XXXX XXXX {$380.00} XXXX XXXX {$380.00} XXXX XXXX {$380.00} XXXX XXXX {$380.00} XXXX XXXX {$310.00} XXXX XXXX {$470.00} XXXX XXXX {$310.00} XXXX XXXX {$380.00} Total : {$3300.00} Synchrony Bank never provided any dispute claim number, some of the recent interactions are as follows XX/XX/year> : Stating XXXX the fraudulent charges to the bank : - XXXX XXXX XXXX XXXXXXXX XX/XX/year> : - Called Synchrony Bank : - asking them to revert the charges XXXX reopen the case for the XXXX Time since XXXX XX/XX/year> : Stating XXXX the fraudulent charges to the bank : - XXXX XXXX XXXX XXXX XXXX XXXX mentioned they notified/ appealed Synchrony Bank that these charges are fraudulent. XXXX to Bank appeal number : - XXXX XX/XX/year> : Called Synchrony Bank : - asking them to revert the charges, reopen the case for the XXXX Time since XXXX XX/XX/year> : Called Synchrony Bank and asking about the resolution status : - no status given XX/XX/year> : Bank put all the fraudulent charges back to my credit card XX/XX/year> : - Stating XXXX the fraudulent charges to the bank : - XXXX number - XXXX XXXX : Called Synchrony Bank : - asking them to revert the charges, reopen the case for the XXXX Time since XXXX Please help me to remove these charges in my credit card,

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 2024-09-15 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:
Upon reviewing my credit report I notice multiple fraudulent hard inquiries which I did not authorize or consent to such as ( state the hard inquiries ) example 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 XX/XX/XXXX XXXX I made a complaint with identitytheft.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I disputed this account as inaccurate information and no respond to provide proper documentation.

Company response to consumer: Closed with non-monetary relief