hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

Complaint:
Dear to whom it may concern, My name is " XXXX XXXX " ''. I have been trying to report inaccurate items in my credit report over years but it never worked. I am repeating my complaint to request investigation on these following items below within 30 days according to Fair Credit Reporting act. 
**Address** XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX These addresses are not belong to me. I have attached proofs of my recent and only address. Please remove the incorrect addresses as they are preventing me from obtaining my credit score. 
**Credit cards** _XXXX XXXX DELAWA Reported : XXXX. XXXX, XXXX How can there be XXXX  XXXX   monthly payment on a closed account. Delete immediately. 
_XXXX - CARD SERVICE Reported : XXXX. XXXX, XXXX How can there be XXXX XXXX monthly payment on a closed account. Delete immediately!!! 
**Credit card** XXXX  - CARD SERVICE Reported : XXXX. XXXX, XXXX This charge off account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Other loans** XXXX XXXX Reported : XXXX XXXX, XXXX This charge off account is not belong to me. The collection agency doesn't have any signed contract with me or my information. 
*** According to FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b ), the collector must then respond back to me in writing, showing that the debt is your responsibility and that it is entitled to collect the monies either on behalf of the creditor or as the new owner of the account and until the collector provides me with this evidence, this charge off account has to cease all collection activity. If the collector can not validate the debt with at least some cursory evidence, it must permanently cease all attempts to collect the debt and remove all indications of the collection account from your credit report. 
**Hard Inquiries** _XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION

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 2021-05-27
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. (NH)

Complaint:
My credit report with Experian shows factors at the bottom of the report that are negatively affecting my credit score. They include a " serious delinquency '' and " short account history. '' However, I have never been late on any payment and do not have any delinquent accounts. Additionally, my oldest account is XXXX XXXX XXXX and they show that my oldest account is only XXXX XXXX XXXX. I have tried several times starting before XXXX of XXXX to resolve this with the company. Regarding the serious delinquency, there is no account to dispute online because I do not have any delinquent accounts. The dispute department when I call says to just ignore the summary at the bottom because my credit report is otherwise good. However, I got denied credit when my credit report was pulled through Experian because of a serious delinquency and the length of my account history. Their solution so far has been to tell me to ignore that part of the credit report, but it is affecting my ability to apply for a loan. It is very difficult to get ahold of anyone and when I do, they transfer me back and forth between departments instead of taking any action. My Experian credit score is currently XXXX points lower than the other two credit reporting agencies, so their data is affecting my credit score and they have not provided a solution to fix it. They will not let me speak to a manager and the last time I talked to someone they said that my credit report is good and they can't do anything about it.

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 2022-12-08
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. (VA)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Complaint:
I sent several letters to the bureaus and haven't received a response yet. I received my credit report and seen incorrectly and unknown items on my credit report. It's been over 2 months since I first sent out my first letters. I feel like am being ignored of my disputes. With this taking so long with no response I demand these items be deleted immediately or I will file for litigation is due to the stress you caused me. This is taking way longer than it should. Please delete this items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
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. (NV)

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2021-12-08
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 — Was not notified of investigation status or results
Company: Colony Brands, Inc. (PA)

Complaint:
I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
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. (MD)

Complaint:
I viewed my credit report after being alerted that there were inquiries appearing on my credit report that should not be there and are there without my consent and they need to be removed from my credit report. I contacted the companies to get an understanding of whats going on the reps at each company basically told me that I don't have an account with them ( which I already knew that ) and that I need to take this issue up with the Transunion, but every time I call I feel like I get the run around and no one even cares and thats not right. I called three times and all three of the reps were nasty to me and very rude for no reason. Its not right.

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 2019-12-08
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. (AL)

Complaint:
I have several accounts on my credit report that do not belong to me. Ive asked the bureaus on 4 different occasions to provide accurate validation of the claims, debts, and inquiries affecting my credit and theyve failed to comply with the FCRA by doing so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
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: NCB Management Services Inc. (GA)

Complaint:
I have sent several complaints to the credit bureaus on XXXX, XXXX, XXXX XXXX with XXXX and XXXX There is inaccurate information listed on my account with NCB Management systems. The company is stating that I XXXX XXXX dollars to them. I have never been extended credit from NCB. However, In XXXX I did have a car repossessed by XXXX XXXX The care was repossessed and sold at an auction for XXXX. 
Not only is the amount owed to XXXX not matching the amount that the car was repossessed for the debt is showing as if it is a new debt on my credit report with different amounts showing. I have call the company, I have called the credit bureaus and they have not been able to resolve this issue. They keep saying it is investigated. This is not the case. This debt is reporting like a new debt and NCB refuses to show me proof of what I owe. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
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. (PA)

Complaint:
In accordance with the Fair Credit Reporting act 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Complaint:
I questioned a delinquent account I saw on my Trans Union credit report. My understanding was that the company XXXX XXXX XXXX was paid off with my Bankruptcy discharge in XXXX. The car was totaled and my car insurance company paid XXXX XXXX XXXX the value of the car. 
When I inquired into the delinquent account the investigation showed that I owed a {$2000.00}. balance with XXXX XXXX XXXX. Although this was a delinquent account from more than 8 years ago, Trans Union reported it as a NEW delinquent account and it dropped my FICO score in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This severe drop occurred in 1 month and I did nothing in that time to drop my score- all bills were paid on time and I had no new delinquent accounts. This XXXX point drop devastated my chances of getting a good rate on a car loan, apartment or anything that I was was building my credit for 8 years. I have been responsible and building my credit since XXXX  and I disputed the delinquent account was 8 years old, but it was newly added to my credit history and should not affect my current score. I asked to speak to someone at Trans Union and tried to dispute it but have been unsuccessful. My car insurance renewal premium increased because of my lower credit score. Because of the current high interest rates, I'm looking for options to reduce a high interest credit card, but my credit score is still a problem. 
I am requesting that the credit reporting companies treat this as a delinquent account from 8 years ago and that I have built my credit since then. I am asking that they look at my credit history since XXXX to increase my credit score to allow me to qualify for the loans at a more fair rate based on my recent credit responsibility.

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 2022-08-01
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. (NY)

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the inability of the Credit Bureaus to verify the disputed account on my Credit report despite the multiple letters I have been sending to them! How many letters would it take me to send to them in order for Transunion to update and correct the status of this account? Once again, I am NEVER LATE in paying with this account. I have my own record of payment history to ensure the data the Credit Bureaus and the creditor present is accurate and not erroneous. The information Transunion present does not match with what I have! I am requesting them to stop this erroneous reporting and correct this account to report accurate information on my Credit report! The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law : XXXX XXXX Late Date XX/XX/21

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 2021-03-16
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: CONTRACT CALLERS INC (OH)

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2023-02-14
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. (GA)

Complaint:
In XXXX of 2019 a credit card account was opened in my name without my permission. I have never opened a credit card account with XXXX XXXX. I have no connections to this account. No information on my credit report is associated with this fraudulent account. This account was blocked from reporting on my credit report due to identity theft over 4 years ago. I woke up yesterday and saw that is was posted back on my credit report. 

I have signed no document stating that the account was blocked in error. 

I did not knowingly obtain, nor did I know that I obtained possession of goods, services, or moneys as a result of blocked transactions or transactions. Once I saw the fraudulent item on my credit, I disputed it immediately and it was removed. 

The request to block this account was not based off of material misrepresentation.

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 2017-01-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (GA)

Complaint:
This debt was paid off almost two years ago, I paid the debt almost {$600.00} dollars to this debtor. I called obtained my final bill amount the male representative gave me a amount I explained to him the send a bill every two weeks and to please advise me what I am being billed for he stated honestly he did n't have any idea he only shows my payments on accounts told me to pay {$250.00} last bill it was paid and they sent a independent contractor to my home to pick up my equipment and that was it I switched my services. I have seen on my credit report where this same debt has been removed five times and now they placed it back on my credit I am upset about this and I feel this should not keep appearing on my credit report as I have paid this off and have my bank statements to prove it. XXXX is a very unfair company who gives you the run around and keeps charging people for ridiculous amounts twice within the same month not monthly and ca n't explain what exactly you are being charged for this has been on going for almost three years now with this being now XX/XX/2017 and they removed the same debt and have placed it back 5 times they should be ashamed of themselves I would never recommend XXXX to anyone!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westcreek Financial (TX)

Complaint:
I recently looked over my consumer report an seem this unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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. (CA)

Complaint:
All inaccurate Information should have been removed from credit report by XX/XX/XXXX. 
According to law disputed information related to identity theft must be removed from credit reports within certain time period not to exceed 4 business days. 
Identity theft report, copy of id, copy of social security card, FTC ID Theft Report, Dispute letter, copy of Police Report all mailed by certified mail on XX/XX/XXXX. Time required to be removed from report has already exceeded. 
All above listed enclosures already submitted has been re-sent by XXXX certified mail and also Uploaded into dispute portal on XXXX Website as of XX/XX/XXXX. Bureau Must Remove listed accounts related to ID Theft immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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. (NC)

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
I went to TransUnions website on XXXX XXXX, 2017 to obtain a free credit report at https : //www.transunion.com/annual-credit-report. See attached pdf which shows picture of misleading website intentionally designed to fool people into ordering a service which they do not want and which is very difficult to cancel. 

If you go to the site you will see that they advertise a free annual report. They mention it being free several times in the paragraph that follows and there is a button to order a Trans Union report and score to the right of their description about the free services. I clicked on the Get your credit report and score button. It brought me to a three-step process which I completed. The process required that I provide them a lot of details about myself including verifying my home mortgage and even entering a credit card number. It did not occur to me that I was entering my credit card number for purposes of being billed for any type of service. I was surprised when I received an email that stated that I had enrolled in a monthly credit monitoring service for {$19.00} per month. 
I contacted Trans Union today and spoke with 2 individuals who assured me that it would be easy to have the service canceled. I went online and am not sure that the service was even canceled. 
I am very concerned that I have been victimized by Trans Union and that many other Americans are also going to be victimized by Trans Union particularly after the XXXX situation where many of us are wanting to run a credit report to see if we have been victimized.

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 monetary relief
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (CA)

Complaint:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX Date Opened : XX/XX/04 XXXX  : {$0.00}

Company response to consumer: Closed with explanation