hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-12-26
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: Experian Information Solutions Inc. (TX)

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Complaint:
According to the law 15 US Code 1681 a FCRA All 3 Credit Agencies TransUnion and XXXX and XXXX have a Bancruptcy on my Personal Credit. So I wrote to the court of Bancruptcy and ask them do you report Bancruptcy and they wrote me back and said they dont. So I need this deleted off my credit please and Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
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. (NC)

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (KY)

Complaint:
I'm trying to link my account with XXXX which is a savings/budget app on my phone and its saying it can't link and that's there's a connection issue. PNC isn't even listed as an option to choose from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
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. (FL)

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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 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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
Im being asked by XXXX the fair credit reporting act states 15 USC 1681 a section number 2 specifically states that under the exclusion that consumers transactions or experiences are not included in a consumers report me being the consumer have read the laws that govern the fair credit reporting act I want to know how and why when its not legal to put things on my report such as late payments when the fair credit act states its not supposed to be on my report it is unfair and illegal to report transactions or experiences when the law state that this is excluded from my consumer report this is for XXXX and transunion who both clearly dont know the law and/ or the definitions the burden of proof is on the creditor but Im being told illegally to give them a police report to remove the things that shouldnt even be on my report this is for the XXXX XXXX  credit cards that as stated is not mines and I have never seen nor touched this card Im asking that they prove that is is me which is impossible and there asking me to prove its not me thats not my job XXXX XXXX bank an XXXX XXXX XXXX XXXX va XXXX phone number XXXX XXXX XXXX in the fair credit act it say that these companies are not governed and have assumed responsibility and have not been appointed the authority to furnish these things on my consumer report please read consumer report definition this account should be deleted and removed completely from my credit report this is illegal please remove immediately from my consumer report congress state consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I ask that the cfpb stand firm in the laws In which govern these agencies to whom is tarnishing my reputation and destroying my credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Complaint:
I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just  remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2023

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 2022-11-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Specialized collection systems, inc. (TX)

Complaint:
This is a medical debt, starting XX/XX/XXXX this debt will have to be removed as it is below the {$500.00} threshold. I am hoping you will request that they remove now since we are so close to the XXXX of the year

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
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. (CA)

Complaint:
When I saw my credit report it showed 7 or more inquires most of them I did not recognize or have done without my authorization or knowledge.

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 2018-05-01
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDICO. INC (SD)

Complaint:
was making payments on a monthly basis. I included the last 3 months, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. If you see the dates the checks were written, and deposit data, some months when we wrote a check, the previous check hadn't even cleared our bank account yet. Turns it over to collection in XX/XX/XXXX. I may have made the bare minimum that we could afford, why except payments at all? There is absolutely no reason he turned it into collection. I was, and am violated, humiliated and harassed by his actions. See all the documents enclosed, check issued dates, deposit dates. Example, check # XXXX was issued XX/XX/XXXX and deposited XX/XX/XXXX. This happened numerous times in the year XX/XX/XXXX alone. Again, the humiliation was, and is very stressful, along with the harrassment I am now receiving from the collection agency. I was literally violated and embarrassed. I was making payments on a monthly basis and all of a sudden turns it over to the aggressive collection agency. See documents enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

Complaint:
I have disputed the debt with the credit bureau, and the debtor has failed to validate the debt is mine. I am requesting the collection item be removed immediately due to noncompliance of the section 809 of the Fair Debt collection practices act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
Request for Closure of Child Support Case and Removal from Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX, TX for serious violations of my consumer privacy protection rights. Specifically, they have added a child support case to my credit report without my knowledge, consent, or permission. 

Under 15 U.S. Code 1682e ( b ) and 15 U.S. Code 1681i ( 5 ), it is evident that the reporting of this account is in violation, as it inaccurately lists the XXXX XXXX court as the furnisher. This misleading information is a form of forgery and is detrimental to my creditworthiness. Moreover, it is a clear violation of permissible purposes as outlined in 15 U.S. Code 1681b. Without my direct written consent, reporting such information is against the law.

The child support case in question was created by the custodial parent, also without my consent, permission, or knowledge. This further compounds the infringement on my rights.

In accordance with the 2007 Miller v. Trans Union, LLC ruling, child support cases are not meant to be reported on credit reports. This is a matter of public record and should not be included in my credit history. It is essential to note that this information has not been derived from a credit transaction, and its presence on my credit report is both unwarranted and detrimental. 

I kindly request the immediate closure of this child support case and the subsequent removal of any associated information from all three credit bureaus. I trust that this matter will be resolved expeditiously, and I request written confirmation once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2021-07-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (AZ)

Complaint:
Since XX/XX/XXXX unfortunately I have had many credit reporting issues with Ally Financial. I have consistently made on time payments with my account being on autopay. The company previously went 6 months without reporting to the credit bureaus when my payments were on time and it was not until I called an complained that they reported my updated balance to the credit bureaus. In XXXX I alerted the company of an accounting change I was undergoing while switching my primary banks. Due to the account being on autopay I alerted them of the change. I was incorrectly advised that my payment was made successful for the month and I didnt owe anything. Had I had been properly advised I would have made sure that an additional payment was made so that there wasnt any chance of a payment reflecting late. Before this instance I had never made a late payment in fact it has always been on autopay since XXXX so I could stay accountable and make on time payments. Since this instance I have updated my autopay and continued to may additional on time payments. This has since prevented me from obtaining a mortgage loan due to the company providing me incorrect information. This does not show my true credit worthiness and had Ally alerted me sooner or the issue I would have had time to rectify the situation before it was considered late. Besides this Ally had been a great company to work with and has been there for me for all my first as this was my first vehicle financed. I hope that Ally can resolve this matter in good faith so I can obtain my mortgage loan and they can continue to be there for my future firsts! 

The photo attached is from XXXX after speaking with multiple reps who advised the payment was successful I updated the autopay on file and also saw that the account was reflecting current and already on to next months payment as if the XXXX payment was in fact made successfully.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Complaint:
INACCURATE INFORMATION SHOWING UP ON MY CREDIT REPORT FTC VIOLATIONS AND FAIR CREDIT 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 2019-08-13
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES. THE ACCOUNTS ARE LISTED BELOW : ACCOUNT NUMBER : XXXX XXXX XXXX XXXX- {$1000.00} XXXX XXXX XXXX- {$500.00} PLEASE HAVE THOSE ACCOUNTS REMOVE OFF THE THREE CREDIT BUREAUS ( EXPERIAN, XXXX, AND 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 2023-07-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Complaint:
On XX/XX/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX 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 non-monetary relief
Consumer complaint received 2020-04-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Freedom Mortgage Company (OK)

Complaint:
We have paid our debt with Freedom Mortgage and all applicable fees. We have been provided a confirmation number of payment in full and provided it to XXXX and XXXX XXXX. We also recieved our next bill showing all past dues paid and next payment not due till XX/XX/2020. We provided this information via phone and by email to XXXX and XXXX XXXX but recieved no direct coorespondence of any kind. We asked Freedom Mortgage to notify them as well since it was there client. Yet we have recieved attempts of court notices from the sheriffs office during our family functions, multiple letters, and we even have our information in public records showing pending foreclosure that is all inaccurate. All debts were settled long ago and our payments are on time but we also get horrible calls routinely. It has been harassment more so than anything ever experienced and has embarrassed us completley despite our fruitful efforts to have our financial issues resolved. We had hoped it would resolve once we paid all they asked of us and more but they just keep harrassing us. We literally owe nothing to anyone, and have sold so much to make it this way, but they just wont stop. We cant afford an attorney at this time, but dont know what else to do.

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 2019-11-07
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. (FL)

Complaint:
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX  XXXX XXXX XXXX  Reporters XX/XX/XXXX EXXXX  XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX, Not Elsewhere Classified XX/XX/XXXX XXXX   XXXX Miscellaneous XXXXXXXX XXXX   XX/XX/XXXX XXXX XXXX BANK All Banks XX/XX/XXXX XXXX   XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX   XXXX Bank XX/XX/XXXX TransUnion XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ExXXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion LXXXX  - XX/XX/XXXX XXXX  XXXX XXXX  XXXXXXXX XXXX Reporters XX/XX/XXXX XXXX XXXXXXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX  XXXX - XX/XX/XXXX XXXX   XXXX CARD - XX/XX/XXXX XXXX   XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Finance - XXXX XXXX   XX/XX/XXXX XXXX XXXX CARD - XX/XX/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 2022-02-26
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. (TX)

Complaint:
I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company

Company response to consumer: Closed with explanation