vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: TX

Complaint narrative:
I reached out to XXXX a XXXX XXXX who i had a leasing contract with before breaking my lease due to XXXX at XXXX XXXX rat infestations. I spoke to the manager to get the issue resolved nothing happened so i moved. XXXX at XXXX XXXX sold my information to Hunter Warfield. I explained the issue to the rep at Hunter Warfield we agreed on an amount. Before paying the balance, I requested from Hunter Warfield a letter by mail or mail informing me the collection will be removed from my credit report. Hunter Warfield was paid in XXXX it is now XXXX and Hunter Warfield is refusing to remove the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Biehl & Biehl, Inc
State: IA

Complaint narrative:
Our church continually receives physical mail and phone calls from Biehl & Biehl out of XXXX XXXX, IL stating that there is a past due amount due to XXXX. Our church has never had an account with XXXX. Further, the documents this company provides have a gross misspelling of a former employee 's name ( her actual name is XXXX XXXX XXXX XXXX, which they spell as " XXXX XXXX XXXX XXXX. '' She would have had no reason to use XXXX services, which are not even outlined clearly on the obviously falsified " invoices '' Biehl & Biehl has provided. The XXXX logo is pixellated and unclear. The name is clearly wrong. Charges are vague at best. We have filed a complaint with the XXXX XXXX XXXX, and have notified Biehl & Biehl as such. There are NUMEROUS complaints against this " company '' on the XXXX website. They need to be investigated and shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Kingston Data & Credit International Inc.
State: OH

Complaint narrative:
I asked to verify it belongs to Me and they said they do belong to me with no real proof names on the account are not the same

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
I asked to verify it belongs to Me and they said they do belong to me with no real proof names on the account are not the same

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: CT

Complaint narrative:
Experian is not following the law i explain to them that i have the right to opt out of having my information reported, i made them aware of the fair credit reporting act code 15 usc 1681a 2 specifically under the exclusions that a consumer transactions are not reported in the consumer report, i can opt out of having this account reported and i want to exercise my rights, i want the account to either be removed or change to on time, paid/paying as agreed the account im referring to is a XXXX XXXX XXXX account, from XXXX with several late payments, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, all in XXXX, Ive sent 2 complaints and spoke with 2 representatives and they keep updating the account inaccurately changing them to other dates and not removing them first complaint and letter was sent XX/XX/XXXX, this was after writing a complain online through there portal, after this I got a nother complaint no. On XX/XX/XXXX, then today XX/XX/XXXX I got an update with no change and an escalation no. And this is all

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 2023-10-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: MN

Complaint narrative:
I called the debt collection agency, XXXX XXXX, on XX/XX/2023 and requested a current bill from them so I can pay the debt. I explained that I am moving into a new apartment, but my application approval for the apartment is contingent on me paying the balance owed to my old landlord which appeared on my background. I contacted my old landlord ( rental management company ) and was informed the debt was sent to the collection agency, XXXX XXXX, and was given their phone number XXXX to contact the debt collector. When I called the XXXX XXXX at this number, I explained the situation, requested a current bill, and was told that I would receive a current bill via an email within XXXX business days. My email address was verified during the call. I called XXXX XXXX again on XX/XX/2023, as I have yet to receive the current bill from them or any correspondence from them since my call on XX/XX/2023. I explained to them that I am living at a hotel, as I cant move into the new apartment until I receive this bill and pay the balance. The representative with XXXX XXXX stated they saw my request in their system, but that XXXX XXXX requested verification of charges with my old landlord and have not yet received response from my old landlord. The representative stated that have not sent me the bill yet, as they are waiting on the verification of charges prior to sending the bill. I expressed that this is unfair practice as this information is on my background/rental history as unpaid, but they are denying me the necessary documentation to make the payment. They representative informed me that they legally have 30 days to provide this, but that statement does not seem accurate from my research. I requested to speak with a supervisor but was told the supervisor was busy and couldnt take my call. I then requested they send me documentation of this process and was put on hold, then hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I went to buy a car at dealer from a very good friend and in the middle of the process he ask if i was ok and i ask what do you mean? He said looking at my Credit report he can see i went to XXXXXXXX XXXX  This is not acceptable! with do respect i should be protected under Hippa or At least notes explaining that Im ok and don't have any type of XXXX. I have disputed this with all three credit reporting agencies and called creditor and they laughed. This should be removed or at least re worded to unknown.

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 2023-10-09 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2023-10-09 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: MI

Complaint narrative:
I was notified that my credit score generated by TransUnion Credit Reporting agency dropped XXXX points on XX/XX/XXXX. Neither of the credit scores of the other two credit reporting agencies was affected. I have filed disputes and spent hours on the phone with TransUnion trying to get answers ; their agents are not knowledgable or efficient in their feeble attempts to solve this problem. TransUnion 's website is a technological nightmare -- inability to log in to account, broken URL links, pages that freeze and start all over again with whatever a customer was trying to accomplish with all input lost, and hair-trigger time limits that boot you out of a web page before you've had enough time to complete the info requested. My single greatest problem is this : TransUnion has not identified the source or the cause of the precipitous decline in my credit score, so I therefore do not even know, and TransUnion is not giving me, the name of the creditor, reporting entity, or other specific info sufficient to even file a meaningful dispute. Supporting documentation is being uploaded ; note the email dated XX/XX/XXXX that says my " dispute '' was received and is being resolved when I hadn't even filed XXXX yet and the link to sign in to my account doesn't work.

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 2023-10-09 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: IL

Complaint narrative:
I want to stress that the mentioned inquiry on my credit report has no connection to me. I am not familiar with, nor have I ever been affiliated with the listed creditors. I urge you to take swift action to delete this inquiry from my report. Thank you for addressing this concern promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
in accordance to the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 sec 602 states ; i have the right to privacy, 15 usc 1681 sec 604a sec 2 ; states consumer reporting agency can not furnish account without my instruction, sec15 usc 1666b states ; creditor may not treat a payment on a credit card account under an open and consumer credit plan as late, for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: CA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

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 2023-10-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I was just alerted that there has been a hard inquiry onto my credit report from AMEX. I do not have ANY account with AMEX and have never opened a credit card with them. I called AMEX customer service and they said someone had opened a XXXX XXXX Account credit card in my name, they did not tell me where and when this happened and told me they would handle it and close the account. I need to know if my information or SSN has been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PENTAGON FEDERAL CREDIT UNION
State: CT

Complaint narrative:
Penfed Credit Union says we have a Premium Online Savings account. We never opened such an account. The Penfed statement says we owe {$14000.00} back in XXXX of XXXX. We reported another claim when Penfed withdrew ~ {$18000.00} from our account at XXXXXXXX XXXX, Connecticut in early-mid 2022. XXXX said this was an unauthorized withdrawal and credited our account. That account was closed due to this fraud. 

Please investigate ; we also received a collection notice from XXXX XXXX XXXX, their account # XXXX for this fraudulentloan. 

thanks 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 non-monetary relief
Consumer complaint received 2023-10-09 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: VA

Complaint narrative:
XXXX main account opened fraudulently in my name on XX/XX/2020 balance of {$18000.00}

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 2023-10-09 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: VA

Complaint narrative:
XXXX XXXX account opened fraudulently in my name on XX/XX/2020 balance of {$18000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XXXX, XXXX and Transunion have not provided up to date credit reports OR scores for me since XX/XX/2023. 

The last known score received was from XX/XX/2023. 

They say they are to update reports and scores every 30 days ... .it has been almost 60 days with no update. 

They are also INTENTIONALLY withholding information that will IMPROVE my XXXX XXXX. They state I can have more info if I pay for their credit monitoring or boosting " products '' or a price ( anywhere from {$29.00} to $ XXXX ) They are also INTENTIONALLY keeping my credit scores low, and reporting DIFFERENT SCORES to creditors than they report to me directly.

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 2023-10-09 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: OR

Complaint narrative:
XXXX, Equifax and XXXX have not provided up to date credit reports OR scores for me since XX/XX/2023. 

The last known score received was from XX/XX/2023. 

They say they are to update reports and scores every 30 days ... .it has been almost 60 days with no update. 

They are also INTENTIONALLY withholding information that will IMPROVE my credit score. They state I can have more info if I pay for their credit monitoring or boosting " products '' or a price ( anywhere from {$29.00} to $ XXXX ) They are also INTENTIONALLY keeping my credit scores low, and reporting DIFFERENT SCORES to creditors than they report to me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.CalXXXX XXXX XXXX XXXX, 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
This is in regard to dispute for fraudulent use of my debit card filed with HSBC on the amount of {$23000.00}. The transaction originated from merchant named XXXX XXXX. HSBC has failed to take any action on the dispute and has not followed the due process of investigation. Upon contacting the merchant, they are unable to locate any account with my credentials and have asked me to file dispute with my bank. However, HSBC is unwilling to follow the due process and refund my lost monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am deeply concerned about the accuracy of my credit report because I have found several inconsistencies that seem to conflict with my financial records. These discrepancies have prompted me to write this letter formally contesting these entries and kindly asking for your immediate attention and assistance in diligently resolving this issue. 

Upon careful review of my credit report, I have noticed that certain items appear to contain inaccurate information. I have attached copies of all letters sent below for your reference. 

Recognizing the importance of accurate credit reporting, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 611 and 608, to contest the accuracy of these disputed items. I trust you to conduct a thorough investigation in accordance with the FCRA to promptly correct any errors. 

Maintaining a truthful and transparent credit profile is crucial for fair financial assessments. Given the urgency of resolving this matter to protect my financial credibility, I implore you to handle this dispute with the utmost seriousness and professionalism it demands. 

I greatly appreciate your commitment to upholding the principles of fair credit reporting, and I am confident that through our collaborative efforts, we can address these issues in compliance with the law and restore my trust in your reporting services. 

I kindly request that you keep me updated on the results of your investigation and any steps taken to rectify these inconsistencies. Please feel free to contact me using the information provided if you require additional details or documentation. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and an accurate credit report that faithfully reflects my current financial situation.

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