hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-10-24
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. (FL)

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2018-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Complaint:
The credit reporting company has stated that my account for XXXX XXXX was updated but the bureau nor the creditor are yet to show me proof that the account wasn't on time from XX/XX/XXXX-XX/XX/XXXX. 1. Where is the proof? 2. Why is this account being updated?

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 2018-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OR)

Complaint:
I own a brick and mortar business that also sells on XXXX. For the past several months we have had multiple customers who are not able to pay us for the items they have purchased. The reason is that when they use XXXX and the funding is from a Citibank card our business is being blocked. When the customer calls Citibank the reason that is given is that our business is involved in the sale of cryptocurrency. We do not and have not ever been involved in cryptocurrency. I have checked that our merchant category code is correct, XXXX. We have been in business since XX/XX/XXXX and selling online since XX/XX/XXXX. I suspect that the problem is that Citibank is either filtering out our business because the name of the business has the word " coin '' in it or they are confusing our business with another business of the same or similar name that does in fact deal in cryptocurrency. I have spent hours and hours on the phone with XXXX, XXXX and Citibank. XXXX and XXXX customer service has been great and I believe they have done everything they can to solve this problem. Citibank however has awful customer service and will not help at all because I am not a Citibank customer.

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 2021-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Complaint:
The bank claims there are charges to my account on XX/XX/2021, yet these charges ( unauthorized ) do not show on my statement, or transaction history. After calling the bank on XX/XX/2021 to lift the hold placed after disputing the charges that are not shown, I was unable to make purchases with the card. If they were not unable to lift the hold, it should have been said, instead of having my attempt purchases declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
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: TRUIST FINANCIAL CORPORATION (FL)

Complaint:
Dear Sir/Madam : Branch Banking and Trust now Truist Mortgage Company has failed on numerous occasions to report my on time mortgage payments to the National Credit Bureaus. BB & T has not reported my on time payments for XX/XX/XXXX for the months of XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. In the past year, the world has suffered as a result of a Global Pandemic. However, I have managed to pay my mortgage consistently on time. I am met with the utmost disrespect from this company. The corporate office is not interested in helping to resolve this matter instead they are comfortable passing along the problem to someone else. BB & T inability to act has impacted me negatively.

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 2022-03-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (DE)

Complaint:
Im submitting a complaint in reference to Credit Acceptance Corporation ( CAC ). They are reporting my auto loan account as open. This loan was paid off by the insurance company on XX/XX/XXXX. How can they report an open account with no monthly payment amount listed? Also the open and term dates are reporting inaccurate. They have it listed on XXXX  : High balance {$15000.00}, Current balance : {$14000.00}, payments made : {$1400.00}. Report date XX/XX/XXXX, Open date XX/XX/XXXX. Late payments {$0.00}, their reporting as over 120 past due. So within a two year timeframe, their saying I only paid {$1400.00} towards my balance. This is an auto loan not an revolving line of credit. Each credit report is reporting something different. I will attach a screenshot of the reports to support my claim. I would like this company to be removed of all three of my credit reporting agencies. Then see attached documents I have lawyer office saying I owe them for the same auto loan.

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 2022-07-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
N accordance with the Fair Credit reporting Act of 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 604A. It also states a consumer agency can not furnish a 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 explanation
Consumer complaint received 2022-08-26
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. (TX)

Complaint:
the accounts/ inquires cant be verified and need to be removed from my account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
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. (TX)

Complaint:
The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( XXXX XXXX Student Loan ) placed on my consumer report by XXXX Equifax, and XXXX Dear debt collector/ credit bureau XXXX I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove XXXX XXXX XXXX XXXX accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K. 
I have sent numerous letters to XXXX XXXX regarding the alleged debt they say I owe. I don't owe XXXX XXXX any money. XXXX XXXX has yet to send me anything bearing my wet-signature proving that I owe them anything. XXXX XXXX doesn't have my consent to furnish my Consumer report or share information with anyone. 
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as Equifax, XXXX, and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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. (OH)

Complaint:
IVE NOTICE UNAUTHORIZED INQUIRIES ON CREDIT REPORT AND NOTICE THAT SOMEONE MAY HAVE APPLIED TO SOMETHING IN MY NAME.

I HAVE SENT MULTIPLE DISPUTES TO REMOVE THESE HARD INQUIRIES THEY ARE FRAUDULENT AND I WANT YOU TO GET THEM REMOVED.

DO TO THE FAIR CREDIT REPORTING ACT LEGALLY THESE UNVERIFIED & UNAUTHORIZED ITEMS MUST BE REMOVED.

I DONT KNOW YOU HAVENT RECEIVED MY LETTERS, I DONT KNOW WHY YOU HAVENT RECEIVED MY NOTIFICATIONS BUT IM TELL YOU RIGHT NOW THAT THEY ARE NOT MINES & NEED TO BE REMOVED.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

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 2022-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

Complaint:
XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2023-07-03
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. (MD)

Complaint:
This is my Third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX Balance : {$9300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
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. (MI)

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (CA)

Complaint:
I've been a victim of identity theft. I have contacted the creditors, but nothing has changed I'm asking for verification into account details and to provide accurate information if not to delete these accounts from my name. 

LVNVFUNDG Name and Address Wrong XXXX  XXXX Name and Address Wrong XXXX XXXX Name and Address Wrong XXXX  Name and Address Wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
I sent the petitioner an " Affidavit of Debt Validation Letter ''. The petitioner continues to fail to meet my request to proof the debit and show original documents. They hired a lawyer and attempted to sue me for their claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-25
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. (WV)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX, Also known as XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account number : XXXX 15 U S C 1681 section 602 A States I have rights to privacy. 

15 U S C 1681 section 604 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 explanation
Consumer complaint received 2019-03-28
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: EQUIFAX, INC. (NY)

Complaint:
I am a victim of identity theft. I refuse to be responsible for an account that does not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20
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. (SC)

Complaint:
XXXX XXXX XXXX is reporting an Inaccuracy on my Consumer Report. 
XX/XX/2020 contains an inaccurate late reported payment that is significantly damaging my Consumer Report and financial reputation not only within the Credit Union but overall. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. 

( XXXX ) subject to XXXX XXXX XXXX XXXX XXXXXXXX of this title, any ( XXXX  ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; You and your inaccurate reporting has damaged my livelihood.

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 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (NC)

Complaint:
I opened an account with XXXX in XX/XX/XXXX and financed their equipment through Fortiva Credit on XX/XX/XXXX for approximately {$3000.00}. I made monthly payments for two months, then paid my full account balance off XX/XX/XXXX ( this is also reflected on my credit report ). However, I was trying to get a payoff confirmation from the company so I could cancel my XXXX service in XX/XX/XXXX and was told my entire account and history had been purged from their system, so they have no record of me ever having an account. I can not close my XXXX services account until Fortiva confirms my credit account has been paid in full, but Fortiva claims there is no record of my having an account, even though it shows on my credit report. Is completely deleting these records upon payoff legal? This also seems like a tax evasion scheme.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation