hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-07-18
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. (NY)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am submitting a complaint on the inquiries I have received from above. I have not authorized these companies to view my credit history. I am requesting to have the above credit inquiries removed from my credit report. I have not authorized these companies to view my credit history, and I believe that their presence on my report violates the Fair Credit Reporting 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 2023-07-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (FL)

Complaint:
I am unsure how to go about dealing with this matter. I am awaiting a copy of my CLUE report from LexisNexis, which is being sent by mail, ordered a week ago, and could take another 1-2 weeks. 

There seems to be vast discrepancy with my credit score from the 3 credit reporting bureaus and my CLUE score from LexisNexis. I received a letter from my current home insurance carrier XXXX XXXX XXXX  regarding a CLUE report they obtained on XX/XX/2023, showing a score of XXXX  in a range of 200-997. 

My XXXX XXXX credit score is XXXX range 300-850 My XXXX XXXX score is XXXX range 300-850 I do not have my XXXX at this time , but it is in the similar top tier range of excellent credit. I do not understand why my CLUE score from LexisNexis is so low. Even worse, the letter I got from XXXX XXXX listing the primary factors affecting my insurance score, are all credit/finance related, which completely negates and opposes that of my actual credit score from credit monitoring bureaus. 

XXXX  Length of time sales finance accounts have been established XXXX  Insufficient information on department store accounts XXXX  Insufficient information on personal finance accounts XXXX # of accounts that have been established None of that has anything to do with insurance, and I fail to see how I am scored lower on financial accounts than anything to do with insurance on an insurance score. This has caused me to overpay for insurance due to a lower score, who knows for how long, likely many years, over a decade. I have no idea as to the amount this has cost me, and it has likely costed others. This matter is much larger than me, and I am unsure how to proceed. It seems ground for a class action lawsuit or something. 

Who regulates LexisNexis, like the credit monitoring bureaus are regulated? Why is a CLUE report not available online, and takes 2+ weeks to receive in physical mail? I have no idea what the dispute or resolution process there might be. 

How is LexisNexis able to have a monopoly on insurance score, who is their competition? Who else is verifying this information to ensure it is accurate, and fairly represents the consumer? 

It makes no sense that my insurance score is lower than my credit score based on financial credit based accounts. Something is very very wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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. (CA)

Complaint:
I noticed unauthorized inquires on my credit report from TransUnion and wrote several letters to dispute the unauthorized inquires being reported by this company. 

XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Each the above inquires were not authorized by me and I do not recognize them. This is causing a negative impact on 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 non-monetary relief
Consumer complaint received 2017-11-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Acceptance Solutions Group, INC (TX)

Complaint:
THIS COMPANY WAS CALLING BACK IN XXXX OF 2017 A PERSON SAY ING THEY GONE SUE ME THEY GONE SERVE ME WITH PAPERS CALL THIS NUMBER TO STOP THEM FROM DOING SO. THEY KNEW THE ADRESS TO MY JOB AS WELL. THEY CALLED MY HR DIRECTOR LEFT THIS HARRISING PHONE CALL. THEY HAVE CALLED ME WITH IN THE PASS TWO WEEKS NOW ITS LIKE A ROBOT THEY CALLED MY AUNT CELL PHONE AS WELL. I TOLD THEM THEY HAVE THE WRONG NUMBER STOP CALLING THEY WILL NOT STOP. PLEASE HELP ME SO THEY CAN STOP HARRISSING ME SHE SAYS HER NAME IS XXXX XXXX PLEASE CALL XXXX REGUARDING THIS MATTER. WHEN THEY CALLED IT POPS UP UNKNOWN. THEY HAVE BEEN CALLIMG ME AT LEAST 3 TIMES OF DAY. 
I TOOK A PICTURE OF MY PHONE BECAUSE I GET VM THREW TEXT SO THAT YOU WILL SEE THIS INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Complaint:
In XXXX of XXXX my husband and I filed a chapter XXXX Bankruptcy. We later withdrew our petition and the case was closed. No creditors were harmed based upon our filing and subsequent withdrawal. Since that date the XXXX credit bureaus have had a bankruptcy showing on both of our credit reports. The balance is correct at XXXX dollars but the Bankruptcy should not be showing at all. My husband and I have both disputed this information many times with no luck having it removed for me and only XXXX XXXX removed it for my husband. 
This information is a public record that can not be validated or verified by anyone in the court and therefore should not be on the credit reports. It was also withdrawn so I do not believe We should face the same consequences as a person or people who have filed and gone to discharge on their bankruptcy. This invalid information is causing us harm and making it impossible for us to move forward with our financial future. We have been denied credit repeatedly because of this bankruptcy. I believe this also should have been removed in XXXX when all credit bureaus agreed to remove public records. 
Can you please investigate this and help me get this removed from our credit reports.

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 2023-05-23
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. (NC)

Complaint:
IN accordance with the fair credit reporting accounts listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, Original Creditor XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, These accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish a account without my writen instuctions.

15 usc 1681 i ( 5 ) inaccurate credit reports directly impair the efficiency of the banking system

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 2017-12-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services (NY)

Complaint:
Purchased a needed XXXX XXXX matic for $ XXXX with $ XXXX as deposit and $ XXXX in XX/XX/XXXX. There interest rate was manipulate and inaccurate Federal Truth In lending disclosure. Car was paid off infull and forcefully entry used to take my car away by XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX when upon lemo law mediation been setup by the State. The car did not have any emission record and it was lemo within first 90 days of purchased. Over paid for the car. The sales representative XXXX XXXX XXXX it at sovereign motor cars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
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. (MD)

Complaint:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2018-05-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (CT)

Complaint:
I was contacted on or about XX/XX/2018, by XXXX XXXX XXXX XXXX, for a debt with XXXX stores. I paid it immediately with them. I asked how I am turned to collection, when I never received a mailed bill, e mailed bill or call from XXXX. The agent from XXXX XXXX noted, for some reason, there was a block on my account, which may explain lack of billing I am very conscious of my credit rating, and am never late with a payment. This has trashed my credit from XXXX down to XXXX. I was looking to apply for a mortgage, and now can not, due to this. I have e mailed XXXX but gotten no reply. I can not call, because when i do, it goes direct to " contact XXXX XXXX regarding your account '' I feel sending me to collection, over a bill I did not get, is a violation. 
I appreciate anything you can do to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
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. (GA)

Complaint:
I contacted the debtor on XX/XX/XXXX requesting my signature or proof proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my three credit reporting agencies without providing validation of debt and the credit reporting agencies are reporting this inaccurate information to future creditors. this is causing injury to my person as i am not able to acquire new credit based on these false invalidated claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I am hoping for a quick update or correction regarding this matter. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2023-06-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Johnson Mark LLC (OR)

Complaint:
XXXX XXXX XXXX had won a default judgement to garnish wages and in doing so, they over garnished my wages by XXXX as well as were suppose to credit me XXXX that they over charged and made error in calculating. They also collected XXXX on a judgement that was awarded in amount of XXXX. They claimed the additional XXXX was interest accrued however, the judgement already included interest owed because the original debt was only XXXX. So, not only did they charge me interest twice but then they over garnished me on top of that and charged me XXXX for fees that were in error and never refunded to me either. I would like my money returned that was taken and charged wrongfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

Complaint:
I have sent affidavit DEMANDING that they Verify the debt that I allegedly owe them. They CLAIMED they did but it wasn't done properly Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via an affidavit of fact under penalty of perjury ; I DO NOT CONSENT TO ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION METHOD.

and if they can't, they must CLOSE the account and IMMEDIATE REMOVAL OF THE NEGATIVE REMARKS they've made against me on my credit report pursuant to THE FAIR CREDIT REPORTING ACT 15 U.S. CODE 1681 1681i.

Unauthorized Use Pursuant to 15 U.S. CODE 1602 ( p

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 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (DC)

Complaint:
I have written numerous letters to Experian on the following dates below requesting Experian to validate this information with the XXXX XXXX XXXX Federal Court and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. 

I am formally requesting that this information be immediately deleted from the credit file that Experian maintains under my Social Security number. 

Per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) and I am keeping careful record of your actions, including Experian Method of Verification. I do not consent to XXXX or any means of automated verification. 

I continuously receive correspondence from Experian still reporting Bankruptcy # XXXX in the amount of {$0.00} dated XX/XX/XXXX stating that it has been verified through XXXX XXXX. 

However, I have a security freeze on my XXXX report. In addition, the courts do not provide information to the credit reporting agencies or bureaus. 

So my question is how is Experian is verifying information from XXXX XXXX when I have a security freeze on my XXXX XXXX report? 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2016-02-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SYNCHRONY FINANCIAL (MN)

Complaint:
This company called me claiming they informed me of a potential lawsuit regarding a credit card I had more than 5 years ago. They had never before contacted me by any means of communication. They then claimed to be an attorney and stated they were trying to make a decision whether to work with me on this debt or file a lawsuit. They would n't give me any case number or reference number of any kind. They refused to give the name of the company. They refused to give me an address of their company. This company refused to give me any proof of an outstanding balance and threatened to sue me for {$9000.00} on a {$800.00} balance, freeze all my bank accounts and withhold my income taxes. I called them numerous times trying to get more information and rectify the situation and they would just say to me " we are moving forward with the lawsuit '' and hang up on me. This happened at least 10 times. I then talked some who claimed to be an attorney by the name of XXXX XXXX. I stated to his the debt was paid in 2012 and I have proof of such. He then stated " well you better sue who ever you paid to get your money back because we are going to sue you '' then hung up on me again. This was the last correspondence I had thus far with this company/attorney 's office/debt collection company. Not really sure what they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Complaint:
XXXX XXXX XXXX is reporting a collection account for XXXX XXXX of XXXX CA. It shows date of last activity XX/XX/XXXX. I have informed them and XXXX that this is in error. The date of last activity was in XXXX and as such it is well beyond the limits for reporting according to FCRA. I have disputed this account and it is ignored. I have requested validation of this account and it has been ignored. This account should no longer be reported on my credit.

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 2022-07-13
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. (UT)

Complaint:
In accordance with the Fair Credit Reporting in XXXX : XXXX XXXXXXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX EQUIFAX : XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (PA)

Complaint:
I wrote to XXXX and Equifax requesting an investigation of the following inaccurate accounts reporting on my credit report 30 days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However, the credit bureaus could not provide any documentation on any the accuracy of the accounts, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 

Accounts Below Equifax : 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 2023-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I found inquiries on my report that i dont recognize Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX  Transunion 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 2015-08-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (OH)

Complaint:
Calls from this company off and on for at least XXXX years. Each time I have to prove I am not the person they are trying to contact. Each time they say they will take my number off the list only to have them calling me again a couple months later.

Company response to consumer: Closed with non-monetary relief