hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (SC)

Complaint:
XXXX XXXX XXXX XXXXXXXX Between the report I received in XX/XX/XXXX and the report from XX/XX/XXXX, this company has changed the dates of the last payment and the first date of delinquency. This greatly manipulates the statute of limitations. 

COMENITYBANK/VICTORIA Between my report from XX/XX/XXXX and XX/XX/XXXX this account is reporting different major delinquency dates with no account history. They are reporting a closed date of XX/XX/XXXX with XXXX. The reporting is inconsistent and falsely manipulates the statute of limitations. 

XXXX This account is reporting two different major delinquency dates between my XX/XX/XXXX and XX/XX/XXXX reports. They are reporting to XXXX a charge off date of XX/XX/XXXX. The reporting is inconsistent and falsely manipulates the statute of limitations. 

I submitted a request for verification in XXXX and a dispute in XX/XX/XXXX. These companies have been allowed to simply update/change inaccurate information instead of being removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc (CA)

Complaint:
XXXX/XXXX/2017 XXXX XXXX XXXX XXXX " original creditor '' {$420.00} Harassing calls to pay debt even offering payment arrangements. 
I was victim of identity theft and contacted by police.

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 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Complaint:
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 XXXX  : # XXXX XXXX  : # XXXX XXXX XXXX  : # XXXX XXXX : # XXXX XXXX  : # XXXX XXXX : # XXXX has violated my rights. 

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 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Complaint:
I XXXX XXXX performed a full credit report and I notice a couple fraudulent accounts reporting on my credit report.I never did business with any of these companies and I also noticed wrong addresses I never resided.I also received information it was data breach and my information was found on XXXX XXXXXXXX XXXX  images are attached. Identity report are also attached. The accounts that are fraudulent are XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, 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. (MS)

Complaint:
Every time I try to log into Trans Union account it says I do not have the right password and username then when I can finally get someone to help me by chat if I do it two or three days later, it says it again the same process I have to start all over Im not understanding why is it doing this! I cant even see my credit report or my credit score do to try to do it just a minute ago through annualcreditreport.com

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 2020-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fidelity National Information Services, Inc. (FNIS) (IN)

Complaint:
On XX/XX/XXXX I made a purchase at XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, IN. In the process of checking out the sales clerk was having a problem getting our check out complete. We were paying by check # XXXX. The clerk couldn't complete the transaction on his machine and flipped us over to another. He completed transaction on machine # 2. Little did we know that XXXX double dipped on same check causing one to be returned. We received no phone calls from XXXX notifying us of any problem. Only to go the mailbox and find a notice from a collection agency. My wife went to the store with the letter and copy of check showing deposit in their bank. She wasn't given XXXX number in AZ. to call. She calls that number and they have no record of us making a purchase. Which when we made purchase we used our XXXX rewards card. So know we are told we have to call XXXX XXXX XXXX as they are the owner of our check. My complaint is we were notified of situation and having to do a lot of unnecessary paperwork. Then to compound matters I went to XXXX in XXXX XXXX to make a purchase. Their system is connected to XXXX and declined our payment, which was major embarrassment to my self. This whole matter could have been easily rectified if XXXX would have contacted us either by mail or by leaving a message on our answering machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX  New Inquiries XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Complaint:
I filed for bankruptcy in XX/XX/19 I exempted by car loan and have made regular payments. XXXX XXXX XXXX has cashed by checks and admits that the payments have been made. However, it reported to the credit bureaus that the loan was discharged. It was not and as the company has accepted by payments, it is illogical to state that the loan has been discharged as I have not defaulted on the loan. If I ever do, then XXXX XXXX XXXX can report the discharge. It can not anticipate a default.

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 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
XXXX and TransUnion say that the account is accurate and that the errors have been corrected but nothing have been corrected or updated the same errors that i have previously mentioned still in there ALSO THE ACCOUNT NUMBER FOR THIS ITEM IS DIFFERENT IF THIS IS THE SAME ACCOUNT WHY DOES IT HAVE DIFFERENT NUMBERS? 

THIS ACCOUNT IS INACCURATE AND NEEDS TO BE REMOVED

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 2023-02-24
Product: Credit reporting, credit repair services, 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. (NY)

Complaint:
XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) Dont have any idea of this not looking for a car In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Complaint:
In accordance with the Fair Credit Reporting Act U XXXX DEPT OF ED/XXXX  Account XXXX XXXX, XXXX XXXX DEPT OF ED/XXXX Account # XXXX, XXXX XXXX DEPT OF ED/XXXX Account # XXXX, XXXX XXXX DEPT OF ED/XXXX  Account # XXXX, XXXX XXXX Account # XXXX has violated my rights XXXX 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Recovery Services, LLC (PA)

Complaint:
The said company has sent a " signature '' apparently of myself with a orthodontists office which is in question. 

The complaint is that I owe NO money to RRS. I am asking for proof that we have a signed contract together and that I owe them money. 

To date, they have not shown me such document ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

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 an account without my written instructions

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 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Total Card, Inc. (OH)

Complaint:
these accounts do not belong to me. I have never opened the account and have had my paychecks garnished and be harassed by phone call for over 3 yrs.. I never opened this account and I will file complaints with XXXX  and other agencies and will file for damages up to {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (GA)

Complaint:
Attempted to open an account with XXXX, and learned that I was unable to open per Early Warning, Contacted Early Warning, and they have been unable to provided as to why I am not able to open an account. According to the customer service person states the information that was reported was not clear but they are not reporting accurate information, but yet stopping me from opening any type of account by reporting false and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

Complaint:
I HAVE HAD A COMPANY CALLING ME, PORTFOLIO RECOVERY ASSOCIATES, TRYING TO COLLECT A DEBT THAT I DONT BELIEVE IS MINE. I HAVE ASKED NUMEROUS TIMES THAT THEY STOP CALLING ME AND PROVIDE A VERIFICATION OF THE DEBT, YET THEY STILL CALL NUMEROUSE TIMES A DAY. THEY HAVE REPORTED THIS TO MY CREDIT REPORT AND I DO NOT BELIEVE IT IS MINE OR IT IS OWED. THE OPEN DATE SHOWING ON MY REPORT IS XX/XX/2012 AND THE AMOUNT OWED IS XXXX FROM A CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX '. I HAVE DISPUTED THIS DEBT AND ASKED FOR VERIFICATION ON THE MATTER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 non-monetary relief
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2023-08-28
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. (NC)

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MD)

Complaint:
I contacted Nelnet on XX/XX/XXXX via email explaining the error reported on my credit report. I received a copy of my latest credit report and I see two XXXX of Ed/Nelnet accounts are reporting inaccurately on my credit report. The account payment status is showing 120 days past due. My account has been transferred in XXXX. Why is still reporting as 120 days late for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. This is re-aging a closed account. This inaccurate account is hindering me from future lending. Please delete both accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
XXXX XXXX XXXX -> Reporting Negative/Past Due to ALL 3 Bureaus : - XXXX - XXXX - XXXX In which I've currently had a lease since XXXX of XXXX and with the lease ending this year. 

XXXX XXXX had reported a late payment for XX/XX/XXXX and XX/XX/XXXX. This report is false. I've always been on time on all my payments, from auto and credit cards. I've already reached out to a representative in XXXX & they waived the " late fee '' charge. However they have reported it to all 3 bureaus that I have a late payment. 

I've already mentioned this issue to TFS - everytime I log in my account there is typically a pop up on the top of the page stating that the website has technical difficulties.

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 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Complaint:
Credit bureaus failed to provide proof that account belongs to me, and yet allowed the creditor to resubmit another account from the same creditor with the date of XX/XX/XXXX, with no balance or debt. Another account dated XX/XX/XXXX that's passed 30 days with no validation on this account.

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 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Complaint:
TransUnion XXXX. XXXX XXXX XXXX, PA XXXX I have attempted 3 times to have my annual credit report mailed to me from TransUnion and they keep refusing to send it. 

My first attempt on XX/XX/XXXX, I wrote them asking for my credit report. I sent a copy of my valid Driver 's License with correct address and a copy of my Social Security Card along with my request. They wrote back with a letter dated XX/XX/XXXX stating they could not send me my report due to my mailing address not being listed in their records and that I must send proper documentation in another request to receive my credit report. 

My second attempt on XX/XX/XXXX, I wrote them asking for my credit report sending them the documentation they requested to receive my report. I sent them a copy of my valid Driver 's license with correct address, a recent utility bill ( less than 2 months old ) with my name/correct address, and a copy of my social security card along with my request. They wrote back with the exact same letter dated XX/XX/XXXX stating they could not send me my report due to my mailing address not being listed in their records and that I must send proper documentation in another request to receive my credit report. This made no sense to me as I sent them the documentation that they requested verifying my mailing address. 

My third attempt on XX/XX/XXXX, I wrote them asking for my credit report sending them the documentation they requested to receive my report ( this time circling the items on the request document that met the requirements they were asking for ). I sent them a copy of my valid Driver 's license with correct address, a recent utility bill ( less than 2 months old ) with my name/correct address, and a copy of my social security card along with my request. They wrote back with a new letter dated XX/XX/XXXX stating that one or more of the documents provided was illegible. 

I disagree that any of the documentation that I sent was illegible. They keep refusing to send me my credit report that is my right to ask for once a year and that they are required to send per the Fair Credit Reporting Act ( FCRA ). They are breaking the law and being unnecessarily meticulous.

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