hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-07-03
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. (FL)

Complaint:
A collection account appears on my credit report. XXXX XXXX Account # XXXX. The first report of the delinquency was XXXX and 7 years have now passed which according to the FDCPA, the collection account should have been deleted from my credit profile on XXXX XXXX. It still appears on my credit report and the credit bureaus are refusing to remove it.

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 2023-01-03
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 submitted a letter to XXXX and TransUnion Credit Bureaus on XX/XX/2022, to update this misleading account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX XXXX Balance : {$10000.00}

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 non-monetary relief
Consumer complaint received 2023-05-16
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. (GA)

Complaint:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-06
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. (NY)

Complaint:
I have filed a dispute regarding the incorrect items on my credit report. 

1. The following late/missed payments are incorrect XXXX  Account Number : **** XXXX 4 missed/late ( XXXX, XXXX ) XXXX 4 missed/late ( XXXX, XXXX ) XXXX 8 missed/late ( XXXX, XXXX ) Please remove them from my credit report. 


15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) CONSUMER REPORT. 
( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 non-monetary relief
Consumer complaint received 2021-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (IL)

Complaint:
Monterey Collection Services is saying I owe them {$420.00} on one credit bureau and on the other credit bureau {$370.00} for the same collection which is a red flag and error.I have never done business with them I have no contract with them or obligation. 
At the same time theyre violating HIPPAA . 
Again I have no contract with Monterey Collection Services and they have no validation of me doing business with Monterey Collection Services company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
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. (TX)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. Also they aren't even in compliance with metro 2 credit reporting. I have
evidence to prove my case

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 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Complaint:
I had a checking account with citizens bank since XX/XX/XXXX. I arranged for automatic checking account deductions for a service at that time. After I moved from New York, I left the checking account open with a balance remaining in the account of approximately {$2000.00} as I had automatic payments coming out of the account. When the balance was at XXXX, I switched to my new checking account and closed the Citizens bank checking account. Unbeknownst to me, the account remained open and there was a line of credit attached to it. When one of my creditors submitted a final automatic payment, the overdraft line of credit was accessed in the amount of {$20.00}. I did not have notice of this event and had no idea that I had a line of credit or that I now owed Citizens {$20.00} on that line of credit. Months later, I have found on my credit report that I am delinquent. When I contacted Citizens to inquire I was advised that I must pay {$190.00} due to late fees and interest. I offered to make the payment online and close the account, but I was informed that the only way to do so was to come into a local branch. Because I was no longer in the area, my elderly father went to the branch to pay the account and resolve the credit report issue. Citizens accepted the payment but stated they could not expunge the derogatory entry on my credit report. This was unfair and deceptive as I was led to believe this matter would be corrected upon payment. Moreover, since I had no notice of the line of credit access or that I had a balance, Citizens bank accrued charges to my detriment in excess of {$160.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
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. (TN)

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX-XXXX-XX/XX/XXXX-VER-CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX-XXXX-XX/XX/XXXX-VER-

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 2019-01-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Optima Advocates (OR)

Complaint:
This is about a company Optima Advocates. They told me they could help me with my private student loans. After 10 years of paying my private loans, I still owed a lot of money. ( The original loan amount was XXXX. I paid XXXXroughly XXXX $ a month on time every month, but still owed XXXX . ) This company told me it was because I had bad loans and because of that I could get my loans fully dismissed. The catch was I had to pay a huge fee upfront to this companyXXXX . This was suppose to go into a holding account and only paid to the company when my case was resolved. And they pointed to my contract that said if they didnt do what they said, I would get a full 100 % guaranteed refund of all my money. I also had to stop paying my private student loan money, which has completely ruined my credit. 

I have already made one complaint to the CFPB about this company not returning my calls or getting back with information. They did get back to me at the XXXX of XXXX but with not much information and then promised more information. I was told in XXXX and XXXX that they would answer my questions about why they charged me with such a high fee, and to clear up conflicting information about what is going on in my case. I still have not been able to get any answers. They said it could take a year to resolve my case. It has been over a year ( I signed my contract XX/XX/2017 ). And I cant get any proof that my loans have been dismissed or any proof that much has been done to justify their huge fee. They wont discuss refunding my money or answer any direct question as to why and what is going on. I spoke with a lawyer about what my rights are and if it is possible to sue them. I told them so, and Optima Advocates said their lawyer would get back to me. But no one has. I call them regularly. And so far have not been able to speak to anyone who has any information other than, I will get back to you or I will have this person call you back. Again, I have no proof that this company is doing what I paid them XXXX to do, meanwhile my credit is still ruined.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (KY)

Complaint:
- I opened a Citi Gold Checking account with Citibank online on XX/XX/2022. 
- I deposited {$55000.00} via Citi plaid integration via an ACH from my XXXX Savings account on XX/XX/2022. 
- I deposited {$25000.00} via the Citi plaid integration via an ACH from my XXXX Checking account on XX/XX/2022. 
- On XX/XX/2022 my access was cut from the online Citi Gold portal. 
- On XX/XX/2022 I received a letter dated XX/XX/2022 that " We periodically review customer accounts to assess the suitability of their banking relationship with Citibank. Pursuant to a recent review, it has been determined that we can no longer service your account ending - xxxx and your other Citibank accounts .... and will be closed within XXXX days from the date of this letter... If there are funds the belong to you at the time of closure, Citibank will issue you an official check for that balance to the address on file. '' - As of XX/XX/XXXX, XXXX there was a balance of {$64000.00} in the account. 

Attempts to contact Citibank : - XX/XX/XXXX I contacted to inquire about my lack of access. I was read a script that my account was closed and that I would be sent a letter. 
- XX/XX/XXXX I contacted to inquire about the closure process, I was passed around, and hung up on. 
- Approximately XXXX times between XX/XX/XXXX and XX/XX/XXXX I attempted to make contact. 
- I was able to finally make contact with the CitiGold advisor that I had been assigned, XXXX XXXX XXXX from the XXXX XXXX office. He informed me that yes my account had been closed and that a check would be cut and my funds would be returned to me within the next 30 days ( est. end XXXX ). 
- On XX/XX/XXXX ( 60 days following the date of the letter ) I had not recieved funds and contacted Citibank. I was able to speak with another CitiGold advisor in the XXXX XXXX office, XXXX, who was able to look into the matter. 
- On XX/XX/XXXX I spoke with XXXX again - he indicated he had been attempting to get information regarding the status of the funds and confirmed that Citibank did have {$64000.00} of my funds custodied but that there was no resolution for reimbursement noted on the account- he had stated he assumed that meant they would be refunded via the original funding mechanism. 
- On XX/XX/XXXX, I spoke with XXXX again and he said he did not have an update and that he was working to get an update.

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 2022-12-28
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. (MS)

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. 

- XXXX XXXX XXXX Acct # XXXX - XXXX XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX .... 
XXXX XXXX XXXX XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX .... 
- XXXX XXXX Acct # 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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2022-04-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kansas Counselors, Inc. (NE)

Complaint:
I had an XXXX XXXX  visit with a local XXXX. I submitted my health  insurance  card at the times of service. Several different providers billed my insurance for the visit, one provider did not. Instead of billing my insurance for the visit this provider marked it, according to the collection agency they sent it to, as " self pay ''. The collection agency refuses to send the debt back to the original provider to be properly billed by my insurance carrier. Despite being informed of the fact that the billing on the account wasn't properly handled and the amount owed is inaccurate, they insist it is a valid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
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:
tI have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please remove this account : XXXX XXXX, XXXX XXXX Date Opened : XX/XX/2018 Balance : {$720.00}

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 non-monetary relief
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK (RI)

Complaint:
On XX/XX/XXXX I received a credit score drop of 17 points because XXXX  is reporting that my student loans balance increased from discover student loans, I immediately called and inquired as to why this happened because I am still a full time student and the loans should be in deferment until I graduate. I was told the issue would be looked into within a 2 week time frame. On XX/XX/XXXX I received an other credit score drop of 30 points for the same reason, I called again to discover student loans and was told my inquiry was not resolved and they would submit an other ticket. Once again they said it would take an other two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
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. (FL)

Complaint:
XXXX. XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
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. (GA)

Complaint:
Transunion needs to delete and block this account immediately because it is fraudulent, XXXX XXXX XXXX   Account # : 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 2023-02-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Complaint:
XXXX XXXX IS CLAIMING THAT I HAD AN ACCOUNT WITH THEM AND REPORTING TO THE CREDIT BUREAUS THAT THE ACCOUNT IS A CHARGE OFF, BUT I NEVER OPENED AN ACCOUNT WITH XXXX XXXX. I HAVE BEEN WITH XXXX XXXX  FOR 10 YEARS. MY INFORMATION WAS INVOLVED IN A DATA BREACH YEARS AGO SO IT IS VERY POSSIBLE THAT THIS ACCOUNT WAS OPENED AS A RESULT OF THE BREACH. I ALSO SENT LETTERS MONTHS AGO, BUT THIS FELL ON DEAF EARS. I WILL ATTACH THE LETTER WHICH IS DATED AND TIME STAMPED TO THIS COMPLAINT. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation