hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-06-08
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: Experian Information Solutions Inc. (IL)

Complaint:
I disputed some bankruptcies listed on my credit report with XXXX XXXX as they were the agency that was used to verify the information. I received a letter from them stating that the information could not be verified and and would be removed from my public record. I have included the letter that was sent to me. 


I then contacted all 3 credit reporting agencies, notifying them of the removal and they should follow suit. I receive a response from Experian on XX/XX/2018 that the bankruptcies that were listed were valid because they were verified within 30 days. 

I contacted XXXX XXXX to confirm that the removal had taken place which in fact it had. I will be receiving a confirmation letter in 7 to 10 business days. 

I then contacted a representative at experian to obtain clarification. She explained that the bankruptcies are listed as public record and that someone physically goes to the bankruptcy court to obtain this information. I then asked for that person but she failed to provide me a name. She then in turn stated that they call and obtain the information I then asked " what prompted you to contact the bankruptcy court to see if I had filed a case? '' she stated that it was public record. I then explained to her that my public record is created by some entity which they used to obtain this information. I would like to know what that is. What are your policies and procedures for obtaining public record information? She stated and continued to state that she did not have that information and no one in the office could provide me with that information. 

I took the liberty of contacting the number that is listed on my credit report for the bankruptcy court. I spoke with a representative that stated that they do not provide this information to any credit reporting agencies it has to be requested with the person 's valid information or it can be accessed a system called " XXXX '' which anyone can create profile and gain access.

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 2023-03-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Total Card, Inc. (IL)

Complaint:
All of a sudden I started getting harassment phone call also calls was made to my daughter as well threatening to sue me take me jail and contact my employer. I tried r play I have never hard of a company call total credit o told them it wasnt mine.. the company become belligerent and started swearing at me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (IL)

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
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. (NY)

Complaint:
I am a victim of identity theft. There is several accounts that was open to fraudulently.

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 2021-11-18
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. (OH)

Complaint:
I have multiple inaccuracies with XXXX XXXX Account on my profile. 
XXXX, XXXX & Transunion are also showing the following inaccuracies : Date Opened : TransunionXXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX High Credit : Transunion- {$26000.00} XXXX- {$26000.00} XXXX- {$7900.00} Last Reported : TransunionXXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX Comments : Transunion-Charged off as bad debt Profit and loss write-off XXXXUnpaid balance reported as a loss by the credit grantor. 
XXXX-Charged off account Auto Date Last Active : TransunionXXXX XXXX XX/XX/XXXX XXXX Date of Last Payment : Transunion-XXXX XXXX- XX/XX/XXXX XXXX The account that XXXX XXXX is reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " credit sale agreement ''! I HAVE THE RIGHT TO AN ACCURATE CREDIT PROFILE AND DISCREPANCIES LIKE THIS IS UNACCEPTABLE. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT PROFILE. IF THIS ACCOUNT IS NOT REMOVED THEN I WILL BE CONTACTING MY FCRA ATTORNEY!

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 2023-03-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
There is a Bank of America credit card ( closed ) showing up on my credit report which is not my account. This account belongs to someone else and it shows be removed from my credit file.

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 2018-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Complaint:
I need to file a complaint against Bank of America. On XX/XX/XXXX I deposited {$500.00} into my account with my debit card. I got a receipt from the atm showing the transaction. Later that day I wasn't able to access my money. I called them to see what was going on. I was told by a customer service representative that my account was closed on the XX/XX/XXXX. If my account was closed how was I able to deposit the money? I didn't receive any notifications/emails/letters etc saying that the account was being closed. I've filed a claim but have been getting the run around. I went to the location where I used the atm and they were no help. When I call the number they all tell me different things. I spoke to a manager in the claims department and he 1st told me that the claim was denied! He put me on hold and then came back and said they will be sending me a check. I didn't deposit a check, I deposited {$500.00} of my hard earned money. I want my money back!!! How is this even possible that they can take my money and act like it's no big deal?? This is an error on Bank of America 's part because they didn't communicate with me, they closed my account and they let me use a debit card that shouldn't have worked if my account was closed!! I just need MY money back and not when they feel like it. This is stressing me out and I need to get this resolved now.

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 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Complaint:
I asked the credit reporting agency to verification on my credit report. They did do one and stated that everything was accurate. I also did a thorough research as well and found improper inaccuracy in my report even after. 

In accordance with the fair credit act XXXX account XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX XXXX 15 U.S.C 1681 602 A. States I have the right to privacy 15 U.S.C 1681 602 Section A : It also states a consumer report can not furnish an account without written instruction.

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 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Complaint:
I am writing this to discuss about how on multiple occasions this company continues to report incorrect personal information about me and won't fix it. I have sent my drivers license, social, utility bill and nothing is ever corrected.

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 2022-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

Complaint:
Attempted to use my Discover XXXX card and was declined. 
Called Discover directly, because I was confused and concerned that fraudulent activity may have occurred. 

Spoke with XXXX, who told me my account was closed for inactivity - he also said that correspondence was sent, along with an email. The last emailed recvd was XX/XX/20 & XX/XX/20, advising my covid relief had ended. I never received correspondence via US mail or any other shipping entity. 

I was then transferred to another XXXX who wanted me to apply for another card - adding insult to injury ... my score declined due to closure, and my score would decline if I applied for another card. 

An issue like this tends to be systemic and XXXX many times. It is exhausting as a minority to receive the same consideration that non - minorities take for granted. 

I am absolutely tired of being invisible and dismissed - all of my XXXX  scores are in the XXXX range. My wife and I have three other Discover accounts in excellent standing - this account was in excellent standing. 

I will also be filing a complaint with the FTC. It seems that I am only seen OR heard when I leverage goverment paths like the CFPB or FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
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: EQUIFAX, INC. (AZ)

Complaint:
As of XX/XX/21. I have no mortgage credit score per XXXX XXXX. XXXX. Reports no score. Called over and over says its ok. But never is

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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  : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-06-13
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: EQUIFAX, INC. (LA)

Complaint:
I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX. XXXX XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following is a fraudulently furnished inquiry. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If they are not removed, I will hold XXXX XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand they be deleted in XXXX days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
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. (SC)

Complaint:
I have submitted countless verification letters to XXXX and Transunion in reference to medical accounts reporting on behalf of XXXX/ XXXX XXXX agency. Not only have they failed to comply in providing the requested verification documents ; once I followed up with a request of their method of verification Which allots them 15 days to respond .... this was failed on their end as well. They simply sent back notice if " verified ''. This is unacceptable and not in compliance according to the FCRA. Furthermore I have never released any if my medical information to this reporting third party ; so this may very well place these companies in violation of the HIPPA Act as well. I would like these accounts removed Immediately based on these violations.

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 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CCF Intermediate Holdings LLC (CA)

Complaint:
I first noticed this fraudulent loan on my XXXX XXXX recently, I sent the company a letter and XXXX and XXXX a letter on XX/XX/2022. Up to today ( XX/XX/2022 ) I have heard back from no one. I have never applied for such loan and want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-10-24
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. (GA)

Complaint:
XX/XX/XXXX Re : Acct # XXXXXXXXXXXXXXXX To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/XXXX for my XXXX/XXXX  account. 

I want you to know that I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I had I was never late on this account. You reported to my Experian that I had a late payment. Please update.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for credit card, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify.

In my heart, I know that the missed payment doesn't reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment ( s ) on XX/XX/XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 

Thank you for your consideration. 

Have a blessed day!

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 2021-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
I submitted dispute letters to XXXX, XXXX, and Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about many accounts that I believed were reporting inaccurately and/or fraud. Each agency has failed to reply back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2018-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC (MO)

Complaint:
Credence Resource Management is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY wrong address please see attachments

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