vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: FL

Complaint narrative:
Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. this is what is currently showing on my credit report i would like them to send me a contact stating i had a contract or account with them or verify this debt is mine if is not please remove inaccurate information off my credit report as it is reflecting negatively on me to lenders. 
thank you Balance {$3300.00} Balance updated XX/XX/XXXX Original balance {$3300.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$3300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Contact info Name XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX, FL XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: MO

Complaint narrative:
I looked at my credit report and noticed some things that are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it XXXX follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts ( 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 XXXXXXXX XXXX  # XXXX / # XXXX XXXX # XXXX ) XXXX # XXXX ) ( XXXX # XXXX ) XXXXe # XXXX ) ( XXXXXXXX # XXXX ) open dates is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.

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 2024-04-07 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: IL

Complaint narrative:
Back in XXXX I reached out to trans union about XXXX hard inquiries on my credit report that I didnt recognize nor authorize. Here are the companies and dates they were made. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX, XXXX BANK 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 non-monetary relief
Consumer complaint received 2024-04-07 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: NC

Complaint narrative:
On XX/XX/year>, I had called Experian to speak with a supervisor about the inaccuracies and every representative hung up on me after they told me to hold on for a supervisor. On XX/XX/year>, at XXXX p.m., I sent a certified letter to Experian asking for documentation on the inaccuracy of my credit report. I demanded that the accounts be verified or deleted immediately and they refused to do so. I had recently pulled my credit report and saw that things were being reported inaccurately. I did not provide written consent or instructions for the identified transactions to be reported on my consumer report. They have also reported negatively on my credit report while these documents were suppose to be verified or deleted. An account that was specifically in question was XXXX, which was the account that I sent separate documentation to as well, asking the same things. They had failed to provide to me as well in the XXXX day time frame that I had sent documentation. ( sent paperwork XX/XX/year> at XXXX p.m. ) XX/XX/year>, XXXX, excuse me if I spelled it wrong, XXXX XXXX called and said that she was someone on a business matter calling, and stated that {$3400.00} was due and in collections. ( XXXX ). To my knowledge, nothing was suppose to be in collections and they harassed me prior to this with threatening phone calls, as I have stated in last claim. XX/XX/year>, I spoke with a representative who told me I owed an amount. I asked her if I could get a copy stating what I owe or the contract but she advised me that she didn't have that info and gave me a number to call and hung up on me. I can't owe a debt to something/someone who doesn't have that information. I have also sent violation letters about them not having the written consent to report and sending letters to my home. This has violated me and has hurt my report tremendously. Experian is in violation of 15 US Code 1681b, 15 US Code 1692d, 15 US Code 1692e, 15 US Code 1692f, 15 US Code 1692g, 15 US Code 1692j. am seeking {$1000.00} for each violation, as allowed under 15 US Code 1692k- civil liability, for the damage caused to my character. XXXX has also violated those same codes along with 15 US Code 1692 ( f ) ( 8 ), 15 US Code 1692 ( d ) ( 2 ), 15 US Code 1692 ( e ) ( 2 ) ( A ), 15 US Code 1692 ( f ) ( 7 ), 15 US Code 1692 ( f ) ( 6 ) ( a ), and violation of 15 US Code 1692 ( f ) ( 6 ) ( b ). XXXX has sent to different letters to me with different addresses stating and amount owed. I have also sent letters to them about this as well. I had received an email from CFPB stating that more time was needed for a response back but Experian and XXXX have reported on the account in that time frame.

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 2024-04-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX date : XX/XX/year> XXXX XXXX date XX/XX/year> XXXX XX/XX/year> These inquiries were never authorized by me. I went to this dealer with pre-approval acceptance from XXXX XXXX. They were only supposed to submit everything to XXXX XXXX and not run my credit for other companies. I tried to dispute with XXXX XXXX but they would not help me. In fact XXXX is appearing twice as if it is XXXX different companies. 

XXXX Bank XX/XX/year> Bank of America XX/XX/year> XXXX do not recognize these inquires

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 2024-04-07 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: PA

Complaint narrative:
an address is reporting to my Equifax XXXX and XXXX that I never lived at this address below is subject to fraud and identity theft. this address must be removed and blocked. 

XXXX XXXX XXXX., XXXX, pa XXXX -- fraud address

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: PA

Complaint narrative:
an address is reporting to my XXXX XXXX and Experian that I never lived at this address below is subject to fraud and identity theft. this address must be removed and blocked. 

XXXX XXXX XXXX., XXXX, pa XXXX -- fraud address

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 2024-04-07 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My previous complaint was not addressed properly. Wells Fargo has bee deleted from XXXX report however it still shows on my XXXX and XXXX reports. I previously filed a complaint # XXXX. Wells Fargo Bank responded asking for me to send them my information because they could not validate this debt by my name. I replied with this. 
You asked me to provide you with my social security number, DOB, address, phone number, account number because you cant locate my account by my first and last name. I am not at liberty to provide you with any information regarding my identity. If you are reporting this damaging information to my consumer reports, you should already have access to this. This shows me that you are reporting in error to my consumer reports which is illegal and a defamation of character. You are reporting invalid unverified alleged debt to my consumer reports which intern has hurt my credit score and hindered me with obtaining credit. I am seeking legal action against your company. Please remove this alleged debt from my consumer reports immediately. Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4.

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 2024-04-07 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: MO

Complaint narrative:
I recently reviewed a copy of my credit reports and noticed I had a fraudulent accusation on Trans Union and XXXX. Please remove the accounts from the 2 credit bureaus mentioned they are hurting my ability to obtain credit

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 2024-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Ive repeatedly told this company to stop emailing and calling me nonstop and now its gotten worse. I have over XXXX emails and calls from them. The collection agency is called XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed through XXXX and equifax, they both took less than a week to come back and say it is correct, even though I have sent information that it isn't correct. I have reached out to the original creditor who told me they sent the correct information and it's up to the credit bureaus to report it correctly!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: Westlake Services, LLC
State: GA

Complaint narrative:
I recently checked my credit report and saw accounts that I dont recognize.

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 2024-04-07 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: IN

Complaint narrative:
On XX/XX/2024, I attempted to 'freeze ' all three of the credit reporting companies- XXXX XXXX XXXX and TransUnion . I was able to do the FREE freeze easily with XXXX and XXXX. Both companies were able to find my information correctly because I have had accounts with all three companies for years. I have frozen and unfroze my accounts multiple times throughout the past 20 years. Today I typed " transunion freeze '' in XXXX search and https : //www.transunion.com/credit-freeze was the first website I came upon. I entered prior username and password which did not work so I attempted to retrieve my information. The website could not find an account which I thought was odd but my last name has changed in the past 20 years and I have recently moved in the past 2 years so I thought maybe the current information I'm submitting can't connect to my prior account. So I sign-up in hopes it'll connect to my prior account. At the end of the sign-up process, it asks for my CC which I find odd but think well I guess they need it on file in case I want any of their paid services. I clicked continue and was automatically charged {$29.00} with no real notification of why I was being charged. I immediately contacted live chat since it's Sunday and connected with line agent " XXXX. '' He helped get me a refund and cancel my membership and then gave me the direct link to the 'free ' site to do the free freeze : XXXX XXXX XXXXtransunionXXXX I went to this site and it LOOKS SIMILAR AS THE PAY SIGHT. I couldn't believe it. I attempted to go through XXXX again and see if I was just not paying attention when I attempted to freeze my account with TransUnion and it continued to direct me to the PAY sight every time. I was floored. I'm an attorney and have worked as a Deputy Attorney General in consumer services litigating deceptive consumer acts. THIS ACTION BY TRANSUNION IS DECEPTIVE. I admit I may not have read all the 'fine print ' because I have an account and I trusted a credit bureau to be able to connect my information when I submit it to an account ( which included my SSN and DOB ). TransUnion consciously directing unsuspecting clients to the pay sight is unacceptable. There should be a ( XXXX ) disclaimer that is VISIBLE, or a box to check prior to signing up for the monthly membership, ( XXXX ) the pay and free websites should NOT look so similar ; and ( XXXX ) the pay site should be connected to the free site in some way so when I submit my personal information in order to locate my account that I have had for the past 20 years, then the pay site should be able to locate my account or direct me to the free site. I'm so furious this happened to me - a well, educated attorney. I can't imagine how many people this happens to!

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 2024-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: DE

Complaint narrative:
I bought a western union check from XXXX in XXXX Delaware to make a New Jersey child support payment which I mailed from Delaware to New Jersey but it ended up cashed in a cash checking place in XXXX XXXX XXXX XXXX New York ( cashed by teller XXXX ) next to a western union distributor. It was explained to me by western union fraud department rep that if the front of the money order is not altered in any manner anyone can cash the money order even though it's written out to a specific entity. I had to get the NJ XXXX XXXX XXXX which filled and notarized there XXXX XXXX claiming this money order payment was not recieved by them. Send a copy of the police report and now western union wants me to sign paperwork that says there are not responsible for reimbursement but will take XXXX to XXXX  days to review its merit. Western union has XXXX  year to assist anyone in this compromised position then when the time is up you lose your money. No reimbursement. I feel this is XXXX of those hidden rules that's not expressed when you buy a western union money order that should be printed on the money order as a disclaimer to paying customer so situations like this doesn't happen again

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Since 2004 I have been a victim of Identity Theft in which I have already reported more than XXXX times to the police. I have notified the FBI, Federal Commission, Social Security, XXXX and the XXXX Credit Agencies. The problem is that the Credit Agencies, knowing the problem I have with my identity, continue to allow individuals to obtain loans and credit cards in my name.

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc.
State: FL

Complaint narrative:
Applied for a job and was required to go through HireRight for verification of resume, motor vehicle report, and other info. Information found on report is heavily inaccurate, and deposits trying to correct info on report, HireRight has not corrected. This has caused me to lost two opportunities and they also couldnt verify my references, though personal and Hr numbers weee provided for the school district I worked for. These people are XXXX clueless.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I started building a new home at XXXXXXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX in XX/XX/2023 using my Lowes XXXX  Account # XXXX. I made XXXX purchases in XXXX and XX/XX/2023 to begin building my house and made both payments on time by calling the Synchrony Bank XXXX # and telling the XXXX XXXX Agent I was paying using a XXXX XXXXXXXX XXXX cashiers check. 
Then on my third purchase ( all at Lowes in XXXX XXXX, Illinois ) while checking out at the register learned Lowes had closed my account without any notification because I later learned that they closed it because I paid by a cashier check which Synchrony says is a Third Party Check which my bank said it is not a Third Party check. 
I continued buying my materials at this store using my Lowes XXXX card but lost in XXXX XXXX discounts over {$5000.00}. 
Very recently I learned from a Synchrony Customer Service Agent that Synchrony does in fact accept Cashier checks but only if they are mailed! No one back in 2023 told me this and they should have at the time I was making these payments. 
Synchrony will not admit their error or negligence or unfair business practices. They should be fined again as they were previously for unfair business practices. I have asked that they reinstate my account with prior credit limit but they will not. They tell me I can re apply to get another XXXX XXXX Account. 
In summary Synchrony has a history of unfair business practices and they should be examined and probably given a large fine for their lecherous ways.

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 2024-04-07 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: MO

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-04-07 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: MO

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation