hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-03-20
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:
I am writing to inform you that I've been a victim of identity theft and attached is my identity theft report. I even contacted all the original creditors department and they cant even find my social security number in there System. I demand these accounts be blocked and delete in 15 days or I will contact my attorney General office and file a suit against you.. I have contacted my local police authority to assist me with finding who is behind this. This is a real nightmare, I have been dealing with debt collectors harassing me about accounts I have no knowledge of nor consent opening. Im tired of Transunion sending me automated letters verifying these fraudulent account. I even have a repo on my credit report, which never happen to me. I have contacted Transunion and even the debt collectors to get this issue resolved several times and all they send is a automated answer saying they verified it, yet the furnishes don't even have my social security number and there database. I know my rights are being violated. Im a XXXX percent permanent and total XXXX vet who is crying out for help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

Complaint:
Credit card- MasterCard through Synchrony bank through XXXX XXXX XXXX. 

I purchased a flight on XX/XX//19 I went to use the card to purchase gas on XXXX19- declined. 
I went to purchase food on XXXX19- declined. 

I call synchrony bank on XXXX19- they informed me that I authorized closing my account and wanted a new card issued. I could not understand the agent I was speaking with and she refused to transfer me to management/etc. 

I called today, XXXX19- and asked to speak to the fraud department. 
I was told by Synchrony Bank : on XXXX/19- a person claiming to be me, called from my cell phone number which is linked to my account- said I lost my card, I had a death in the family and needed a new card expedited to me- at my current address. This person was able to answer all security questions to verify it was the primary card holder. 
They said they have a recording ... but I was not allowed to listen to it. 

I told the fraud department I did NOT call them on XXXX -- I did not loose my cell phone or any personal information. I did not authorize anyone to call on my behalf. 
They said they mailed the new card out on XX/XX//19. To this date ( XX/XX//19 ) I have yet receive this new card I did not authorize. 

So- synchrony bank is closing the new card account ( as someone has intercepted my mail and has the new card and activated it ) -- - and is sending me a NEW card via XXXX  with signature needed for delivery. 

They said they will update my security but did not ask for different questions. 

I am absolutely terrified that someone can do this ... Call from my cell phone number without having my actual cell phone ; pose as the primary card holder, shut down the account and ask for a new card to be expedited, and then intercept my mail to get the new card and activate it. I was never once notified by synchrony bank that my account had been closed/a new card had been issued/or that I even called to close the account.

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 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Complaint:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 non-monetary relief
Consumer complaint received 2023-06-30
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: Experian Information Solutions Inc. (VT)

Complaint:
on XX/XX/2023 I filed a complaint disputing information on all 3 of my reports ( ID XXXX, XXXX, and XXXX ). As of XX/XX/2023, little to no information has changed. In fact, 2 of them are still open.

Also, in accordance with 15 USC 1681b : ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

AS WELL AS 15 USC 1681c : ( a ) Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I have NEVER given my consent for any company to report to my credit report, nor do these reporting agencies legally have the right to be reporting negative information to my report. Do to the fact that there is STILL such and abundance of negative information being reported to my reports, I have been denied employment, and the ability to acquire credit. 

As a final mark against them, my XXXX, XXXX, XXXX, AND XXXX files have all been locked ( see attached ), so how these agencies verified any information if subject to question.

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 2022-06-11
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:
The loan was established in XXXX a Charge card and the charge off is dated for the year of XXXX, which is not true and has been reported to all credit bureaus to remain on my credit report. In addition, payments towards this amount to have been made by me in XXXX, which I did not make. All these dates and information regarding this charge off is inaccurate, thus to not acknowledge the statue of limitation and to have it removed from my credit report according to FDCPA, which should have been years ago. I believe these dates are fabricated in order to prolong for my credit to remain in a low standing and to avoid the statue of limitation not to take effect. I have endured many years of unemployment due to sickness/injuries and other unforeseen circumstances to include the Pandemic as we all faced, which caused a financial hardship over the years and had hope to pay this debt but could not. Thereby, I did not receiving any information regarding a Charge-off ( 1099A ) or letters or knowledge of payments made by me when I was unemployed, all to continue to have this negative charge on my credit report. I ask for help to please rectify this deliberate error, for this is causing my name to be tarnished unfairly.

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 2022-07-29
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. (MO)

Complaint:
I am submitting this complaint to follow up my previous caomplaint submit4ed on XX/XX/2022 regaring the removal of the Fraudulent information from my Credit report. I was frustarted to see that the Credit Bureaus have done nothing to helpe a consuemr in need! I am planning to pursue legal action against the Credit Bureaus if they decide so still not pay heed to my requests and continue reporting the diputed fraudulent items on my Credit File without proper verification. I have read enough to understand my rights which is clearly being violated by the Credit Bureaus. Let me remind the Credit Bureaus that they are obliged to comply with the FCRA section 605b if they can not prove that the items do belong to me by providing documents signed by me. I would greatly appreciate it if the Credit Bureaus can remove the following items at the earliest possible time : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed : {$51.00} XXXX XXXX XXXX  XXXX Balance Owed : {$70.00} XXXX XXXX Balance Owed : {$170.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (CA)

Complaint:
XXXX is offered me a 90 day payoff option which I did. They sent me a letter letting me know the 90 day payoff was complete. They offered me to use XXXX dollars which I only used XXXX which i paid off. So that leaves XXXX to use which I dont want to use. Experian added this as debt that I owe. And have attached that amount to my debt. I explained this and gave them proof to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
XX/XX/XXXX, & XXXX, XX/XX/XXXX, and XXXX letters were sent to dispute and remove invalid 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 2021-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Complaint:
My husband and I opened an account for my daughter, XXXX in CA on XX/XX/XXXX. She attends school in NY and is renting an apartment with international students. This accounts sole purpose is for the rent. 

XXXX activated her Chase Debt Card on XX/XX/XXXX. By XX/XX/XXXX, there were several fraudulent transactions. XXXX called to cancel debt card was advised there were a couple {$1.00} transactions which were denied but 3 others that were approved totaling XXXX by XXXX. Agent advise would see a credit in a couple days. The fact that there were several {$1.00} attempts they could it had been hacked. 

After 2 weeks, I contacted XXXX XXXX, claims dept supervisor. She advise that claim was denied because looked suspicious. I also agreed that it looked suspicious only the bank knew the card was activated. Card had not been used anywhere. She advised I had to provide proof we didn't use XXXX. XXXX only has an automated system and their online instructions say to contact bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC (IL)

Complaint:
I am making regular monthly payments on this account. This company calls me daily. I have asked them repeatedly to stop and blocked several numbers. They have also reported this to my credit report as deragatory even though I am making regular payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
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. (AR)

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed below : 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

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 2022-12-06
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. (NY)

Complaint:
Tried to call experian on dec. XXXX regarding inaccurate information/old and couldnt resolve the problem. Experian still is reporting I have late payments 120 days past due when I brought the account up to date and XXXX XXXXXXXX asked them to remove the negative marks.

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 2021-09-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Complaint:
I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying to purchase a house and this is becoming a heavy burden on my personal family Life.

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 2023-04-25
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. (NV)

Complaint:
To Whom It May Concern : I am a XXXX veteran and run a charitable 501c3 XXXX that saves wild mustangs and assists our nations veterans with suicide. I have recently become aware of some major hacks to my social security number and from their have started requests from the 3 major credit bureaus and the IRS in particular for help in correcting the situation. This situation has limited my ability to help the veterans as I was denied credit for not knowing false information was on my credit reports.

I am reaching for assistance regarding my credit report and the multiple times social security number has been hacked and used according to all 3 major credit bureaus XXXX, XXXX and Experian. 
I have already requested an investigation from the Internal Revenue Service ( IRS ) regarding my hack. 
I am including dates and items that I would like fully investigated and deleted from my credit reports as it is not me nor have I been associated with this account. I have never heard some of these items. And now I am reaching out to you for help. 
In the following 15 U.S.C. Sec. 1681 ( a )? I am aware that if proof can not be provided, these accounts must be deleted.I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me, it is much appreciated. 
The social security breaches occurred on the following dates according to all 3 major credit reports : Site : Number of Breaches Type of Information Dates of Records XXXX 3 Social Security Number/Phone number/ XXXX passwords XX/XX/XXXX XXXX 2 Social Security Number/ Phone Number XX/XX/XXXX XXXX 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ Phone # / XX/XX/XXXX XXXX 1 Social Security Number/ Phone # XX/XX/XXXX Dark Web 1 Social Security Number XX/XX/XXXX XXXX XXXX Social Security Number XX/XX/XXXX XXXX XXXX PLEASE RESEARCH AND DELETE THE FOLLOWING ACCOUNT ON XXXX, XXXX and Experian ACCOUNT NAME : XXXX PAST DUE XXXX : {$25000.00} LATE PAYMENTS : START DATE XXXX 3-120 plus days, 2-90 days- 2-60 days 2-30 days ON TIME : XXXX DATE : XX/XX/XXXX CHARGE OFF/ DATE OPENED XX/XX/XXXX ACCOUNT NUMBER : XXXX ( THIS ALL THE INFORMATION ON ACCOUNT NUMBER I HAVE AVAILABLE TO ME ) ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, DE XXXX Thank you for your assistance in handling this item immediately. 
XXXX XXXX Please find Driver License for verification of Identity

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 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (SC)

Complaint:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (FL)

Complaint:
LexisNexis reported wrong credit information to my XXXX XXXX. I called LexisNexis twice and I emailed them to get a copy of the report they summitted with wrong information ( XXXX Reference # XXXX ) and my must recent credit report that I am entitle to see. They have denied both reports even when I have provided all my personal information including SSN, Date of Birth, Address, etc. 

They always claim that they need more information from me and because of that, they are not able to process my request. The information that they are requesting on the letter sent on XX/XX/2022 I have already gave it to them. 

Their inaction to provide me with these reports are costing me more money due to an increase of insurance premium due to their negligent action of summitting a report with wrong information and not taking action to provide me with these XXXX reports so I can fix it. 

My consumer number is : XXXX. 
My Case number with LexisNexis is : XXXX. 
The XXXX reference number from the report with wrong information is : XXXX. 

Thank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
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: EQUIFAX, INC. (AL)

Complaint:
This is an attempt to correct my Equifax, XXXX, and XXXX credit report ( s ).  I have identified fraudulent accounts and inquiries. Please block the listed accounts. 

Accounts : XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX Inquries : XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the accounts listed to be permanently removed and block from my credit reports. These accounts are fraudulent, unverifiable, and violate my consumer rights.

Company response to consumer: Closed with explanation