hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-07-21
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. (TX)

Complaint:
I submitted a complaint to CFPB ( XXXX ) and XXXX denied the allegation and were snide in their response as well, I might add. Per XXXX 's letter dated X/XX/2017, 'We respectfully decline to request any changes to the information provided to the credit reporting agencies '. To this I reply, " XXXX, you are not at liberty to decline. It is the law that you delete the information per The Fair Credit Reporting Act and the State Attorney Generals Office of Consumer Affairs, because it is not accurate information as you purport. '' You are not truth telling when you state in your letter that you are reporting in a consistent and accurate manner to the agencies. I have attached, and have hard copies, from the three different credit bureaus to prove that you in fact have been reporting different balances and payment histories to all three agencies, to include wrong/different reporting for the month of XXXX  2017. Ill regardless of my payment arrangement, that I made a payment on today, you must delete the account as I am requesting by law, as you have violated credit reporting laws, and refuse to obey and delete. '' In your letter you mention a {$100.00} difference you credited me in the total remaining balance on my settlement agreement as the reason for the credit agencies having different totals, etc. The difference you are reporting to Transunion and XXXX is a {$2700.00} difference. And the XXXX  difference in comparison to what is being reported to XXXX is $ XXXXYou XXXX , suggest request that I contact the Credit reporting agencies regarding discrepancies. You contradict your earlier statement of, 'XXXX is merely a furnisher of credit information, and not the agency, and has no control of the contents of credit history maintained by the agency. ' You are the original reporter and must request that they delete this inaccurate/inconsistent account from all three agencies. I did not say delete my payment arrangement, I said delete this account off my record as is your responsibility to me the consumer, per fair credit reporting laws.

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 2023-05-08
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. (VA)

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.

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 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Complaint:
Hello, my credit report is displaying unverifiable and inaccurate information I am going through severe anxiety trying to get the issue resolved as I wait for a response. I am sure with your help and the integrity of XXXX, Experian, and XXXX we can get this handled quickly. But I mailed letter to them a month ago and I haven't received a response and they haven't yet complied with my request. I'm not even sure if they opened an investigation. Please help. 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 2022-10-20
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. (OH)

Complaint:
I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.

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 2020-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Complaint:
Upon reviewed my files, I notice a Wells Fargo Checking and Credit Account open under my information without authorization and permission, I notice there is predatory practice by the institution to incurred a large amount of transaction and keep incurred hidden fees without my permission and acknowledgment.

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 2021-04-09
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: Experian Information Solutions Inc. (OK)

Complaint:
I REQUSTED COPYFREE ANNUAL CREDIT REPORT ON XX/XX/2021 FROM ALL 3 CREDIT AGENCIES AND TO THIS DATE HAS NOT BEEN RECEIVED

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 2022-10-18
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. (NY)

Complaint:
This is one of the many that I sent that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

The following account need to be removed as they are fraudulent. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00} If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

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 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (IL)

Complaint:
I was a victim of identity theft and fraud in XXXX of 2017. A police report was filed with the XXXX XXXX XXXX Police Department. As a result of this identity theft/fraud, XXXX  XXXX XXXX closed my account and confiscated all the money that I had available in both my checking and savings account. In conclusion, I am asking kindly that this fraudulent information be removed from Early Warning Consumer Report. I am looking to open future bank accounts and these fraudulent and inaccurate information that is being reported on my consumer report is causing me issues. 
Early Warning is the only consumer reporting agency that had not accepted my FTC report and Police report, while XXXX  and the others have already verified that their information was inaccurate and they removed the negative accounts from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC (MO)

Complaint:
Credit Karma promised pre approval with excellent odds of approval when I was denied for said credit cards. The resulting applications ended up hurting my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bridgecrest Acceptance Corporation (FL)

Complaint:
Bridgecrest is reporting falsely every month on my XXXX  Credit Report. This account was closed due to a lemon vehicle that they sold me that did not work properly in 2009. It broke down on me several times within the years I had it. I filed many complaints with the company. Finally the transmission blew, I towed the car to them, and they refused to help other than to trade in for a another car with them. The transmission cost more than the car was worth. They sold the vehicle at auction {$2900.00}, then asked to negotiate for $ XXXX  years later after they had already ruined my credit. This account is closed, reappeared again, and every time I dispute it they Update the status with the current date. It was removed then popped up again! They started to report it every month as " failed to pay '' since my disputes. I humbly asked them to remove it since its passed over 6 years and its going to drop from my report, but they keep saying they will not. This vehicle never worked properly and was a hazard to my safety. It was a XXXX XXXX with constant problems and parts needed replacing all the time. They acknowledged this as every time there was an issue I called them. This account should be dropping soon and their reps threatened me that now it may stay on my credit for 10 years not 7? They stated the only ones that can remove it is XXXX   and to call them instead. Yet XXXX stated they are posting what Bridgecrest is reporting to them.

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 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

Complaint:
I recently opened a business account with Chase bank. I deposited three checks made out to my business in the past week. Chase has now frozen all funds in my account, placed holds on my deposits, and is saying they are fraud and trying to close my account without releasing all my funds from the checks. I am now out {$30000.00} and my customers and business partners are also out money while waiting for us to have the money to do jobs. Chase is saying they are unable to verify the checks due to not having a verified number in their system for one of them, and calling two numbers for the other two checks that dont exist for the business that wrote the checks. We have tried asking Chase to call the numbers for both of these business that are listed on XXXX, their website, and we have confirmed numbers for, and they refuse to call those numbers to verify the checks saying Its not verified in their systems. Chase has told us we can not do anything else about this, we will not have access to our money and the account will remain frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (FL)

Complaint:
In accordance with the Fair Credit Reporting Act. This 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 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 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 2023-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Complaint:
I received 2 emails that appear legitimate that someone was attempting to use my email to 1st open a checking account on XX/XX/23. On XX/XX/23, I received another email for a failure to qualify for a savings account of some sort. I've never engaged in business with Bank of America. I don't know if my personal info has been acquired or not

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 2019-05-19
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. (MO)

Complaint:
The following information on my credit report is incorrect and unknown to me, I'm demanding that these accounts be blocked for my credit files. The following accounts are, ( 1 ) XXXX XXXX {$290.00}, and ( 2 ) XXXX XXXX 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 2023-06-16
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: Experian Information Solutions Inc. (MO)

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 2018-12-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Services, Inc. (FL)

Complaint:
XXXX XXXX XXXX  XXXX XXXX  fund paid this bill and it has been verified. It should have never went to collections and I never got any notice it was in collections just showed up on my report one day. Please remove and update records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC. (GA)

Complaint:
On XX/XX/23 Net credit reported to XXXX and XXXX an outstanding debit of {$8300.00}. On XX/XX/23, a payment of {$8300.00} was submitted to NetCredit via debit card, over the phone with NetCredit agent, to satisfy the debt. Monies have cleared my bank account and have not been returned by NetCredit. A dispute was submitted to XXXX stating debt was paid in full. According to XXXX, on XX/XX/23 NetCredit reported the debt as still outstanding and my dispute was closed stating amount still owed. I spoke with NetCredit rep XXXX on XX/XX/23, he stated he would note account with my concern and credit bureau shouldve been notified of change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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. (MD)

Complaint:
I have sent all three credit bureau 's letters to removed unauthorized inquires off my credit report, that I have no knowledge of. They have refused to remove any of the inquires that I have asked 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 explanation
Consumer complaint received 2021-05-18
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. (TX)

Complaint:
We were in the process of refinancing our home and current creditor ( XXXX XXXX ) let us know their was a current loan affecting available refinance rates. Loan was from XXXX XXXXXXXX XXXX in the amount of $ XXXX. I do not have any outstanding loans currently and thats how i found out i have an unauthorized loan under my name. I contacted XXXX XXXXXXXX XXXX and was able to obtain the following information regarding this unauthorized loan. Name for Loan : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$36000.00} ( they have paid $ XXXX of the loan and the outstanding balance is $ XXXX ). 
Account # : XXXX. {$1100.00} Monthly payment i want to go about all the channels available to us to make sure we report this fraud and have it removed from my account. 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 2022-04-28
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. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under XXXX XXXX XXXX. 


XXXX XXXX Account # : XXXX has violated my rights. 

XXXX Account # : XXXX Has violated my rights 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 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2023-06-16
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. (TX)

Complaint:
I implore you to take action and remove these fraudulent accounts from my credit report 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 explanation
Consumer complaint received 2023-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Complaint:
The three credit bureaus XXXX TransUnion and XXXX  are all in violation of federal law and need to be fine for reporting fraudulent accounts on my name that have been opened without my consent I have sent them all police report and Id theft reports they continue to violate federal laws with out penalties

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 2020-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

Complaint:
I have lived at the same address for 3 years, yet, someone has a lease in my name. National Credit systems is  attempting to collect on this fraudulent debt.

Company response to consumer: Closed with explanation