hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-03-30
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. (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, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or 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 : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2021-10-21
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: EQUIFAX, INC. (GA)

Complaint:
I give full authorization to move forward with this complaint. I, XXXX XXXX, am a victim of identity theft. Attached below is a an attachment of my FTC Identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2022-02-07
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. (VA)

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2018-02-13
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. (MO)

Complaint:
Transunion is inaccurately reporting a chapter XXXX on my credit report. I have sent several debt validation letters for them to verify that the bankrucpy belongs to me. I have asked that they give me the following information. 
1. Please provide the name of the courthouse 2. The clerks name that you verified the dispute with 3. The  address 4. The telephone number 5. The documentation used to verify the dispute. 
6. The asset and liability amount of the bankruptcy that is supposedly reported correctly by your company. 


They only state that they have verified. According to Fair Credit Reporting Act. the credit bureaus must report accurate information. As of this date if they have verified the bankruptcy as being accurate. why is there a XXXX on the amount owed. I don not believe that someone would file a bankruptcy and not owe anything. Transunion has violated my rights by not accurately reporting information. I would like Transunion to verify and send me all of the information I have requested. If they can not verify correctly and report correctly. I would like for Transunion to remove this item from 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 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Complaint:
I have had my Citibank card since 2010- over 13 years Ive had a balance and this company has made money off me. Ive been a good customer and Ive only been late a few times. Recently I had issues with my bank account and some payments were returned in the last few weeks. I wasnt late. I also rectified my bank account problem. Without notice or anyone talking with me my Citibank account was closed due to late payments or returned checks. This is ridiculous and a poor way to treat your customers and run your business. 

I would like my account reopened and my APR put back to what it was. 

Also Im flabergasted that this company would charge me over {$200.00} in fees! They choose to put through a payment 3X before it comes back and gets officially returned. besides being charged by my bank for the returned payment Citibank also charged me {$30.00} every time they put the payment through! I also got charged {$41.00} waiver fees for each payment. This is ridiculous and Citibank shouldnt be allowed to charge customers these exorbitant amount of fees. 

I would like all the fees waived that amount to over {$200.00}. This will put my balance under my limit. That is the only reason Im over limit is your fees!!!

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 monetary relief
Consumer complaint received 2021-09-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (FL)

Complaint:
CREDIT CORP SOLUTIONS INC has received several disputes from me in the mail, and they have failed to validate the account in any way. They have also continued to report a disputed debt. They are in violation of both the FDCPA and FCRA and I am trusting you to handle this case with extreme prejudice!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Complaint:
XXXX XXXX started my disputes with trans-union on XX/XX/XXXX and since then have sent more letters ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) disputing various items on my account. Some have been deleted upon not being able to verify but others till remain and have not shown proper verification under the FCRA rules and regulations namely : XXXX XXXX and XXXX XXXX XXXX. These items need to be deleted as they have not been able to verify with supporting documentation the validity of the debt. 

XXXX As with XXXX, I sent request for validation of the debt on my credit report and no proper documentation under FCRA rules and regulations have been submitted to me justifying the debt. Namely : XXXX XXXX and XXXX XXXX XXXX and XXXX funding. These items need to be deleted as documentation establishing validity have not been submitted as requested. 

EQUIFAX AS with both XXXX and XXXX, items on my credit report were disputed and supporting documentation requested was not submitted. namely : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. These items need to be deleted as documentation establishing validity have not been submitted as requested. 

XXXX XXXX : These Company which allegedly hold a capital one debt in my name hasnt been able to supple subsequent documentation to validate the debt under the fair credit reporting act and has reported to the credit collection bureau without proper validation. And thus needs to be deleted from my credit file. 

In Closing all these companies have been given ample time to validate the debt on my file with supporting documentation and have failed to do so. 
Im hoping to resolve this matter with a deletion from my credit file as these items have caused me some distress. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (AL)

Complaint:
I had a direct deposit made on XX/XX/XXXX for $XXXX. The morning of XX/XX/XXXX, I used my debit card for miscellaneous items and I made a $XXXX cash withdrawal at a PNC bank branch. PNC bank froze the deposit sometime before XXXX XX/XX/XXXX. At a separate branch, I was told the funds wouldn’t actually be released until XX/XX/XXXX. On XX/XX/XXXX the funds were not released. After speaking with several different representatives on the phone, I was told: 1) the fraud department froze it 2) the funds are being held for verification that would take 5-7 days even though it was a direct deposit 3) that the check that was deposited was not endorsed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
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: Velocity Portfolio Group (NJ)

Complaint:
Accounts not opened by me appear to be reporting on my report. I dont know what else to do to resolve my problem. I have listed them below. 
1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
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. (PA)

Complaint:
I have asked the credit bureaus to do a verification on my credit report which they did and stated everything was accurate. I did my own research and I found improper inaccuracies on my reporting. 

Account name : DEPTEDXXXX  Account # : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States that 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 instruction.

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 2022-08-17
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: EQUIFAX, INC. (CA)

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. 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. 
I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (NY)

Complaint:
I appled for U.S. Bank XXXX XXXX card and was approved. The card arrived with no issue. Howvever, what happened next made me regret ever applying for that card and dealing with this bank. I activated my card online as instructed by the prints on the sticker on the card. When I tried to add my card to XXXX XXXX, I got a message stating that I needed to call the bank. I called the bank, and was simply told that there would be a " callback '' within 24 hours. I said no problem and waited for two days with no call. I noted that although the card had been activated I was not able to use the card ( per U.S. Bank, due to the pending " callback '' ). I called the bank and inquired the status of this callback, and was told that I had to wait another 24 hours. A week passed, there had been no such " callback '' ever. At the same time, since I received the card, I have been receiving 5 robo calls per day asking me to activate the card. These never stop spam calls drove me so upset, that yesterday I kindly asked to close this account. Well, surprise surprise, I was told that they can not close my account until someone does the " callback ''. I requested to talk with the unit within the bank which does this " callback '', and was declined. I then asked the Bank to remove my phone number from the robo calls, yet was also declined.

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 2017-03-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (CA)

Complaint:
This company was removed from my credit report and now there is a new Collection of debt .. This is an old debt from Citibank from XXXX and I believe I stop paying into XXXX. I was paying Citibank but they would not help me with a new plan that I could afford. 
I was receiving a operations and with this XXXX was unable to pay my bills. I negotiated with all my creditors. Citibank decided to sell my loan to this company a few years ago.I believe the debt is past its limitations. I had not heard from them the last few years and two weeks ago a new that Collector has contacted me. I told her this was an old debt and Citibank should not have sold this to them. I did my research and Citibank was being held responsible for selling loans they should n't sold. I was more than willing to work with Citibank and I have letters to prove my struggle with Citibank. I have always had a high credit score before needing a operations. I even was able to work with XXXX XXXX XXXX XXXX which I understand is XXXX of the hardest companies to negotiate. I do not feel responsible to pay this debt. It says that the debt was removed but it shows up on my account again as in Collection as a new collection. 
XXXX Account Removed From Report Between XXXX XXXX, XXXX and XXXX XXXX, XXXX, your account with XXXX was removed from your 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 2022-01-28
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: Experian Information Solutions Inc. (MI)

Complaint:
A Fraudulent Credit Repair Company " XXXX XXXXXXXX XXXX 's '' Stole my Identity. 
And Have send it Multiple disputes about the Situation And not heard a response

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 2016-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (IL)

Complaint:
I have a number of student loans and the worst company to deal with by far is FEDLOAN Servicing. I have tried since XX/XX/XXXX/XX/XX/XXXX to get my student loans on extended level payment. Over the course of this, we have talked to many agents concerning this. We have also gotten many different answers, one hand does n't know what the other hand is doing. We were first told that we did n't qualify, then we did. Finally after numerous attempts, we finally thought it was right. We received the documents today in email and they still do n't have it right. half are correct and the other half is not. This is by far the worst student loan company I have to deal with. This comapny sucks the life and time out of you, over and over. Ridiculous, I need to get this right and I am fed up with phone call after phone call, total waste of time and as far as I am concerned they are a SCAM. I am entitled to the repayment plan to reduce my payments over 25 years due to the fact of my low income. These people do n't seem to want to provide what entitlements we have as tax payers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
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. (GA)

Complaint:
I submitted a dispute to all three credit bureaus more than 30days ago and I haven't received any response. It is my understanding that according to the FCRA inaccurate or unverifiable information must be removed from the credit report. Well its ben more than 30 days and I want this issue to be resolved, this process has caused me to be sick, stressed out and I can't take it any longer. I need you guys to abide by the law just as you expect me to abide by the law.

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 2023-05-24
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. (MO)

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 or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
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. (SC)

Complaint:
I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous request & I am including it again., 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 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