hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-08-17
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:
Its been over 30 days and I've reached out several different times. These Companies hasn't responded or opened my request to dispute any of the items I have requested to dispute. TransUnion and XXXX   both just opened a dispute today XX/XX/2020, when the initial request and complaint was submitted XX/XX/2020. By Law they are not complying and its not fair I am now Requesting that they remove all unverified items from my credit report. The Law requires them to respond within 30 days. Failure to comply with these federal trade Commission ( see 15 USC 41, et seq. )

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 2020-10-25
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. (TX)

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Transunion XXXX. XXXX  XXXX XXXX, PA XXXX Dear Transunion XXXX XXXX, This letter is a formal request to remove ( 15 ) unauthorized inquiries from my credit report. I did not authorized. 

XXXX XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX A Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 

Sincerely, 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 2019-06-17
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. (MO)

Complaint:
XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX XXXX partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2023-07-06
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. (NJ)

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. 

Account name : 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 written instructions.

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Transunion keeps reporting this account it needs to be blocked and removed permanently

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 2023-04-26
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. (NC)

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-21
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. (OH)

Complaint:
I have no knowledge of this accounts, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX but they are being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 

15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
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: JPMORGAN CHASE & CO. (MN)

Complaint:
These accounts and inquiries are not mine they were made without my permission, consent, inquires. JPMCB CARD SERVICES Inquiry : XX/XX/, Inquiry : XX/XX/2023 or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is past the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instruction or consent 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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. (CT)

Complaint:
I submitted a credit dispute and sent them certified mail that they received on XX/XX/2023. It is to my understanding that by law they have 30 days to get back to me with the results or delete all the accounts in question. They sent me a letter saying they wont process the request unless it came from me. It certainly did come from me and I even mailed it out from the post office right next to my house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AZ)

Complaint:
I have a Citi / AAdvantage Platinum Select World EliteTM Mastercard issued by Citi Bank. I received a promotional email offering a promotional interest rate of 1.99 % for new purchases until XX/XX/2019 ( attached ). I enrolled in the offer in XXXX. 

My XXXX statement had a balance of {$620.00} which was subject to the standard interest rate equaling {$11.00}. 

I made a payment of {$650.00} by the due date which, according to the Credit Card Act, should have been applied to the balance with the highest interest rate. Upon receipt of the XXXX statement I uncovered that {$560.00} was still being charged at the higher interest rate equaling {$9.00}. Citi had applied my payment to the balance with the lowest interest rate which I believe is against the Credit Card Act.

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 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Complaint:
I got a copy of my credit report some time ago and realized the credit bureuas are reporting 2 accounts as late that was never late. Delete the late payments from my consumer report, this agency is in violation of 15 USC 1681 : XXXX XXXX XXXX Account Number : XXXX I WAS NEVER LATE ON THIS ACCOUNT XXXX Account Number : XXXX I was never late on these accounts. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this you must delete these alleged late payments from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeDelete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

Complaint:
Equifax : Applied online, given error code NH, told to call, called, repeatedly hung up on by company XXXX : Applied online, given error code NH, called, repeatedly hung up on by company XXXX : Applied online, given error code NH, called, repeatedly hung up on by company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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. (NJ)

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
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. (FL)

Complaint:
WHY IS THE CHAPTER XXXX. BANKRUPTCY STILL REPORTING ON ALL THREE CREDIT BUREAUS? THERE IS NO BALANCE ALTHOUGH THEY'VE ALREADY BEEN DISMISSED AND HAVE BEEN OPEN SINCE XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX PLEASE PROVIDE ME WITH ACCURATE, VERIFIABLE AND COMPLETE INFORMATION AS TO WY THESE ACCOUNTS ARE TILL REFLECTING NEGATIVELY 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 explanation
Consumer complaint received 2022-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2017-07-14
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: DISCOVER BANK (FL)

Complaint:
1. XXXX Consumer Dept - XXXX XXXX and several other agents that worked in the consumer department gave me a difficult time, hung up in face several times, provided me with false inaccurate information, delayed my investigation, received false verbal consent from creditors which led XXXX to report false inaccurate fraudulent account on to my credit report for at 6 months and refused to cooperate with me making my life a living hell. I mailed ceritified letters, and faxed several documents in just to be going in circles.
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Inquiries : 1. XXXX XXXX 2. XXXX XXXX 3. Discover 4. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
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: Navient Solutions, LLC. (MD)

Complaint:
All my student loans show 90-120 days delinquent in 2013 when all of them where in deferment. They never corrected the issue and just published a personal statement that I did not authorize nor state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
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: Experian Information Solutions Inc. (NC)

Complaint:
I'm running into issues that appear to be blatant credit discrimination. I am a student with several student loans open, however at this time none of them are in default and have not been in years. I owe around {$2500.00} max in personal debt and medical bills. And the credit bereaus have my credit aged at being a little over a year old, however have debts piling against me for years that extend way beyond that. And they don't mind pending that debt against me, but won't factor the debt into my credit age. XXXX?? And I was on track and doing well prior to COVID when I was furloughed from my job and missed a few payments as a result. Well my credit score has dropped approximately 30 points in the last year as a result of the pandemic. And the only explanation I keep receiving is my loans which were in default a few years ago, that I have paid my dues on through going through administrative wage garnishment and counseling is still tanking your score. Not to mention, that I've worked hard sending in extra payments to my auto financing company to try to stay ahead and to no avail they keep reporting me as being behind which dropped my score another 19 points. Needless to say I inquired about buying a house and all of a sudden everything that is missed even if it's only been a few days drastically drops my credit score, however when I make other payments on time it doesn't bring my score up any maybe by 3 points. If missing payments drops my score by 19 points, how come when I pay on time there's little change to increase my score??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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: Experian Information Solutions Inc. (LA)

Complaint:
I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2015-12-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D&A Services, LLC (FL)

Complaint:
recording asked for XXXX almost daily

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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. (MS)

Complaint:
Fraudulent information being reported to my file and needs to be blocked.

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 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Complaint:
XXXX XXXX XXXX credit card is being reported negative on my credit file and it doesn't belong to me. the account and balance do not belong to me and this is fraud. I have notified the three credit bureaus as well as XXXX XXXX XXXX and sent in the police report and this account was to be removed from my credit files. I still see I t appearing and greatly effecting my crtedit in a very negative way. this credit card and balance being reported on my credit files does not belong to me. this account should be deleted from my files as thisis fraudulent and doesn't belong to me

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 2020-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (AL)

Complaint:
I purchased furniture and got a loan from WellsFargo in early XXXX. When the first statement came I tried creating an account online and was not able to. Called the customer service team and they indicated they needed in person verification. I took time off work to go to one of the local branches so they could do the verification. They told me the issue was resolved and I should be able to create my account. Tried creating my account but I was not able to. Waited some more to see if it just need to be refreshed. I tried in several occasions but was not able to. Called on XX/XX/28 to get help, was told a technical support ticket was opened and the issue would be resolved in a few days. Never heard back. When my account is due they sent me an email asking to log in to view important messages. I tried longing in but couldn't. I called their customer service team, spent just about XXXX minutes on the phone with several transfers and holds and the issue was not resolved. I am having a hard time trusting this financial institution with my private information as they cant even resolve their own internal system issues. 

Following WellsFargo guidance of calling, being on hold, going to their local office, calling some more, I have spent hours of my time trying to resolve this issue. I had to take time away from work to get their issue figured out. They should be held accountable.

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