hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-05-13
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. (IL)

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 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.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15U.S.C. 1692 b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ;

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 2023-04-17
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. (MA)

Complaint:
I am a longterm Customer of XXXX as I have a XXXX XXXX  and have participated in two balance transfers. My credit score was XXXX and is now down to XXXX, and this is after paying down three accounts. When I initially complained to XXXX they clearly stated that my score had dropped based on the FICO Score 8 based on TransUnion data. I spoke with FICO and the response was nonsencial. In addition to filing this complaint, I am making a strong complaint woth Senator XXXX XXXX, our Senator. I demand that my Scor is returned to XXXX Plus. I have completed two balance transfers in which acounts were paid off. I am slso sending this to our local newspaper, The XXXX  and the XXXX XXXX. See suporting documents.

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 2023-04-09
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. (AZ)

Complaint:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2021-08-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Complaint:
XXXX XXXX is Reporting inaccurate information in my credit report. For the Auto Loan they are r
eporting to XXXX I was 30days late 12 times/60days late 6 times and 90 days late once. They are reporting to Experian I was 30 days late 19 times/60 days late 11 times and 90 days late 2 times/ To XXXX they are reporting 30 days late 12 times/ 60 days 6 times and 90 days 1 time/ they are also reporting inaccurate dates of Last Payment. to Experian last date of payment is XX/XX/XXXX but to XXXX the date of last payment is XX/XX/XXXX and to XXXX date of last payment is XX/XX/XXXX. If these dates are all different and nothing matches this is a big discrepancy. They don't know if I was late or not because they don't have an accurate date of last payment. It also states it has never been disputed when it has several times.

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 2021-01-05
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2023-03-02
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: EQUIFAX, INC. (IL)

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

Complaint:
Throughout the years with all my other loans I have always been able to get Forbearance, Deferment, or Income-Based Repayment ( IBR ) but with the private loans I have to pay and every year the payment goes up ... ... ..I have no other options with the private loans at all ... .I 'm being told private loans have to be paid back and that there are no other options and that there are no loan forgiveness

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Enhanced Recovery. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
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. (FL)

Complaint:
Hello, On XX/XX/2021, I contacted XXXX XXXX to cancel my internet service due to selling my home. I was asked if I would like to suspend my service, and I declined. I asked for the final amount that I owed. A bank draft was issued for XXXX. As far as XXXX was concerned, I was done. I received a collection letter from XXXX late XX/XX/2021, and immediately paid XXXX. I also filed a dispute with each credit reporting agency ; XXXX, Equifax, and XXXX. XXXX deleted derogatory from XXXX, but not Equifax and XXXX. I have confirmation of XXXX noting Deleted. After I closed on my home XX/XX/2021, I also closed on a lot to build a smaller house. I applied for a Contruction/Permanent One Time Closing Mortgage and was approved. Hired a Contractor, Had an Environmental Company do research on the lot and apply for XXXX and XXXX permits to build on the lot. This cost {$21000.00}. ( It has taken 12 months to get my permits ) During this time, not knowing it would take this long, I have spent 12 months in a friend 's guest bedroom with 3 small dogs ) At the time, I worked at XXXX 's as their Electrical Engineer, and was able to buy XXXX worth of construction materials at cost, knowing that supplies would be shaky in the future. So, I have XXXX in the lot, plus Environmental/Permits Costs XXXX and construction materials for a total of XXXX. At 71 and having Excellent credit all my life, the collection report, has brought my life to a complete halt. I have worked on this problem since first filing a dispute in XXXX of 2021, and most recently the last 6 weeks with XXXX and XXXX and the credit agencies. I am at a loss as to how this can happen and can not be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
Please delete these accounts as they are fraud. I have included the identity theft report. Please also remove the fraudulent inquiries and update my address to XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Fraud Accounts that should be deleted. 

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 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 2022-09-11
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 — Problem with personal statement of dispute
Company: Absolute Resolutions Corp. (OH)

Complaint:
Absolute Resolutions ( Debt Collector ) has a collection on my credit reports that I paid {$2700.00} to settle the debt. They marked it as paid but did not remove the collection as agreed once payment was made.

I paid as agreed and they didn't keep their end of the deal by removing the collection.

The original collection is at the 7 year threshold and should have been removed.

This is harming my credit rating. Please advise. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
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: Experian Information Solutions Inc. (MD)

Complaint:
I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXXBalance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00}

Company response to consumer: In progress
Consumer complaint received 2020-03-23
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. (NC)

Complaint:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify. if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX  XXXX {$670.00} XXXX/XXXX  XXXX {$810.00} XXXX   XXXX {$10000.00} XXXX/XXXX  XXXX {$610.00} XXXX  XXXX {$16000.00} XXXX  XXXX  XXXX {$0.00} XXXX/XXXX XXXX {$1500.00} XXXX  XXXX {$890.00} XXXX  XXXX  XXXX {$770.00} XXXX/XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$960.00} XXXX/XXXX XXXX XXXX   XXXX {$1400.00} XXXX/XXXX  XXXX {$4000.00} XXXX/XXXX   XXXX {$2000.00}

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 explanation
Consumer complaint received 2021-10-04
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. (UT)

Complaint:
My credit reports randomly drop active creditors off my reports causing my credit score to negatively change. 

XXXX XXXX XXXX is in good standing and I want it reflected on ALL 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alpine Credit, Inc (TX)

Complaint:
This medical bill was part of a car accident lawsuit and my attorney paid the debt around XX/XX/XXXX. The company XXXX XXXX XXXX do not exist anymore and a collection company name Alpine Credit , Inc is trying to still collect on a debt that was paid directed to the company by my XXXX  XXXX XXXX. Alpine Credit is also charging interest on a medical bill thats reporting on my credit report. I have tried to contact the orginial creditor to get verification that the payment was received back in XX/XX/XXXX, but I keep receiving different numbers or the company no longer exist. I contact Alpine credit and told them the payment has already been paid and I was told it has not. This debt is affecting my credit rating cause Alpine Credit is reporting and adding interest increasing the amount of the alledge amount every month. Company has done nothing to resolve the matter. I have disputed said charges to the orginial company prior to them closing and selling or giving their accounts away. I had medical insurance also at the time of the accident on XX/XX/XXXX and I don't know why I'm still dealing with this item on my credit report 4 years later. This debt has been paid and needs to be removed because it was from a car accident that lead to a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc (DE)

Complaint:
A backround check conducted by checker has incorrect information. Causing me to no longer be employed. This information has jeopardized me financially. This is the only reporting agency with said information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
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: Experian Information Solutions Inc. (IL)

Complaint:
In accordance to the Fair Credit Reporting Act, XXXX  account number XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, 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 explanation
Consumer complaint received 2017-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NC)

Complaint:
Gentlemen, My name is  XXXX   XXXX , I have been a Home Depot Credit Card ( Thru Citi Bank  ) h older for  XXXX  years. Never have been late. always paid on time. I had a  Credit Limit o f {$3000.00}. My balance was  XXXX . I had n't use it in awhile and also closest store is  XXXX  miles away. I used it in  XXXX  of   XXXX   and charged about  XXXX . And then exactly  XXXX  days later I get a letter that they decreased my  Credit Limit  to {$500.00}! I was so angry! I called them and they claimed they did an update and looked at my Credit Report and based it on other Creditors! I did n't give them permission to run my Credit again. They told me I had to try to get a credit increase based on an application for an approval? Of course they denied me!! I 'm very angry and disappointed! I never have been late and always on time! They are discriminating me! It 's not right! I contacted everyone and they wo n't do anything!!   Please help! I appreciate it!   Warm Regards,  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 explanation
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

Complaint:
We have been dealing with the credit reporting agencies since last year. We been asking them to provide information how they get our public information about our public records. They keep coming back with XXXX XXXX XXXX XXXX. But I thought if you have items included in the bankruptcy they should remove the items from the credit report. I even received a letter from the court system stating they don't report this kind of information. I have medical bills that was updated that was included in the bankruptcy. We have a lot of things on our credit report dated after the bankruptcy date of XX/XX/XXXX. They keep asking us to provide proof but what good as that if you keep giving them the information and they giving us the same response. Then if you filed a chapter XXXX bankruptcy XX/XX/XXXX if should have a date of 90 days to process right? But the complete discharge date is XX/XX/XXXX. This information is also on my husband 's credit report too. This is stopping us from going on with our lives. So we decide to turn to your company for 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 explanation
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

Complaint:
I do not recall having this account or being associated with this company ever! The monthly payment, credit limit, and terms are missing from the report. I have disputed this account multiple times but it's still showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Williams & Fudge, Inc (NH)

Complaint:
Williams & Fudge Inc. debt collectors repeatedly called my place of employment in the spring of 2018 asking my coworkers to speak with me personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Collection Bureau, Inc. (IL)

Complaint:
Dated XX/XX/XXXX I have received notification from United Collection Bureau Inc in reference to an alleged debt owed of {$4100.00}. Please provide validation of this debt per FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (PA)

Complaint:
I had scheduled a {$1300.00} payment to pay off the balance of my American Express credit card on the due date which was XX/XX/XXXX. I observed that American Express did not process my payment as I scheduled for the due date. I immediately made the payment on XX/XX/XXXX and now have a mark on my XXXX  and credit score and a late payment fee.

Company response to consumer: Closed with explanation