hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-05-29
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: EQUIFAX, INC. (TX)

Complaint:
The below listed INQUIRIES by the Original Creditors, who have reported these inquiries within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
Therefore, these below disputed inquiries must be deleted .... 
XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX EQUIFAX MORT Miscellaneous and public record Inquiry date : XX/XX/XXXX EQUIFAX MORT Miscellaneous and public Inquiry date : XX/XX/XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
XXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX  XXXX {$1300.00} Balance updated XX/XX/XXXXBalance updated XX/XX/XXXXLikewise, these Public Record are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
US BKPT CT MO XX/XX/XXXXC Account Info Reference Number XXXX Court Bankruptcy chapter XXXX Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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:
This is one of my numerous letter that I claim I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following account need to be removed as they are fraudulent. 

XXXX XXXX or XXXX Date Opened : XX/XX/2015 Balance : {$0.00} This is not verified. I contacted the furnisher and they have refused to provide any documentation and they are unable to provide documentation proving the claim or the accuracy. This remains inaccurate, incomplete and not verified. You are REQUIRED to delete this immediately according to FCRA Sect. 611. Please ensure this account is removed within 5 days! 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file.

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 2023-01-21
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: Fidelity National Information Services, Inc. (FNIS) (LA)

Complaint:
remove fraudulent/ unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/2021 off my report with monetary relief for damaging score and violating FCRA or provide proof in writing within 30 days. My driver license number does not end in 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 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Complaint:
I have one account on my credit report that is not mine I have not opened this used this or even know what its for XXXX XXXX XXXX XXXX - Acct # XXXX XXXX {$20000.00}

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 2017-05-31
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. (GA)

Complaint:
XXXX   XXXX  Credit Card is reporting incorrect contact information on all   XXXX   CRA 's. Dispute letter mailed to  XXXX   XXXX  at the address listed on all   XXXX   reports  XX/XX/17   . This letter was returned " un-deliverable ''  XX/XX/17   . Photo copies of the letter showing the United States postal service could not deliver the letter along with a letter requesting the information be removed due to inaccurate reporting to all   XXXX    bureaus  XXXX , Experian, and   XXXX   on  XX/XX/17   . All  XXXX  have responded as  " Verifed '' ac count information yet all   XXXX   still list the incorrect mailing address for this account.  XXXX   XXXX  sent me a letter with their correct address in the return section of this letter. Due to the inaccurate reporting of  XXXX   XXXX  and the CRA 's this account needs to be removed from my 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 2023-07-05
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: EQUIFAX, INC. (IL)

Complaint:
we informed XXXX XXXX this was a fraudulent account with no result, I sent information to the credit bureaus letting then know this was id, theft with no response. I sent a validation letter and keep getting verified with no explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC (UT)

Complaint:
Credence Rm - XXXX - is reporting on my credit after my discharged bankruptcy, for a debt that was included in my bankruptcy. They are in violation of the bankruptcy stay. 
They put the collection on credit XX/XX/XXXX and the debt was included in my XXXX chapter XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (LA)

Complaint:
I have been in contact with  Conn 's on multiple occasions in regards to the reporting of payments made on my account. I have pulled copies of my credit report and have noticed that Conn 's is not correctly reporting payments that are made to my account on time. There are months that were not reported or marked late on one c redit report while the other  XXXX  bureaus has the payment marked as on time. There is conflicting and incorrect information being listed on my credit file which is making it hard to aquire trust and credit from other comp anies. Conn 's representatives has not been helpful in helping to correct my report.  All three credit files reflect different information and I am being reported for late payments in months that I have been on time. Providing false information to the credit bureaus are against the law according to the FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
Complaint : ( XXXX/XXXX  ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

I have NOT given permission for ( XXXX/XXXX ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b . 

TransUnion must remove all information reporting from and relating to ( XXXX/XXXX ) including third party debt collection accounts associated with ( XXXX/XXXX  ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 
XXXX/XXXX TransUnion Account # : XXXX Account Type : Revolving Account Type - Detail : Charge account Bureau Code : Individual Account Status : Transferred Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 0 High Credit : {$4000.00} Credit Limit : {$5500.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Account closed due to transfer Date Last Active : XX/XX/XXXX Date of Last Payment : 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 2023-06-09
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: EQUIFAX, INC. (TX)

Complaint:
It has been well over 30 days and I have not received a resolution or any communication regarding the previous complaint below : On my Equifax account under XXXX. Collections, it currently states " You do not have any collections in your file. However, when i go to XXXX. Other accounts, it lists under XXXX ) XXXX XXXX XXXX XXXX with account status collection, XXXX ) XXXXXXXX XXXX XXXXXXXX account status collection, XXXX ) XXXX XXXX XXXX, XXXX ) XXXXXXXX XXXX XXXX account status collection, XXXX ) XXXX XXXX XXXX XXXX account status collection ( this account does not list an account number ), XXXX ) XXXX XXXX XXXX XXXX account status collection. All 6 of these collection accounts are not only listed inaccurately under other accounts, one of the accounts does not even include an account number, nor do any of the accounts have the correct opening date or date of first delinquency. According to my credit report, I do not have any collections as stated under section 10. Collections. I also noticed under XXXX. XXXXXXXX XXXX  XXXX ) XXXXXXXX XXXX XXXX account status is charge_off with a reported balance of {XXXX}. A charge off can not be listed with a past due balance, XXXX XXXX XXXX XXXX account status Charge_off, the date of first delinquency is inaccurate, XXXX XXXX XXXX XXXX XXXXXXXX account status Charge_off, the date of elinquency is inaccurate, XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX account status Charge-Off , the date of delinquency is inaccurate, the same applies to XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts are also listed inaccurately under revolving accounts. The FCRA clearly states that information in your credit report must be 100 % accurate or the inaccurate items have to be removed per XXXX law. I demand that the inaccurate accounts listed above be removed in their entirety from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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. (CA)

Complaint:
On XX/XX/XXXX, I learned of the Equifax data breach through the news and social media. I attempted to check whether I was impacted via the provided portal, equifaxsecurity2017.com, but was only told that I 'd be able to register for the ID protection service a few days later. On XX/XX/XXXX, I tried the website again and was finally informed that I may be impacted by this breach.
I learned from the news that this breach has occurred in XX/XX/XXXX. I am extremely disappointed that Equifax did not discover or disclose this information for months.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Complaint:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XXXX XXXX, 60 as of XXXX and XXXX, XXXX, 90 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX, and XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25
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. (PA)

Complaint:
I am an Consumer and Ive notice a few Consumer Violations on my Consumer report that I would like remove. Attached you will find a copy of said Violations on my 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 2023-07-19
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. (GA)

Complaint:
During my time of XXXX, my identity was exploited and accounts were deceitfully opened in my name causing considerable turmoil and difficulties upon my release. The accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Even after my release my credit was still being compromised. I have disputed this with the bureaus and the creditor and I've yet to get any satisfactory results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Risecredit, LLC (TX)

Complaint:
The balance shown is wrong on my XXXX credit file is wrong. The account is also paid in full but shows i have a balance of {$1300.00}. They FAILED to report my good payments for the months of XXXX, as the last update was generated on XX/XX/2020. I called them to dispute it but no action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The CMI Group, Inc. (VA)

Complaint:
Never received a bill from XXXX XXXX, XXXX, MD because when I signed up for XXXX mini box for my XXXX Tenant in my townhouse in XXXX XXXX, Md, I gave the XXXX Clerk my service address in XXXX XXXX and my home address in Florida to send the {$3.00} a month bill. I never received any bill ever. I was told that XXXX had been sendng the bill to my XXXX XXXX address ... this house has been a rental for past 40+ years. I have never lived there. XXXX told me that was their fault and they would take care of it. 
I later discovered all XXXX of my credit reports had a collections notice of {$180.00} balance I owed. I called XXXX many times and was assured this would be completely removed. I call the Credit Management collection company and told them what happened and also told them that I had never received any collection notice letter. One of their managers said they would removed it completely. I have called and complained many times to both XXXX and to Credit Management and the only thing was done was the {$180.00} was reported as Paid Collection and the Notice reporte as Closed. Neither of which does anything to totally remove this whole Collections Notice from all XXXX of my credit reports from XXXX, XXXX and XXXX XXXX. I was also told by Credit Management that under Federal Law I was entitled to get a written notice of the Notice having been filed against me, which I never did. Will you please help me get it removed from all XXXX credit reports as soon as possible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
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. (IL)

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-11-27
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. (GA)

Complaint:
I asked Transunion for validation for multiple inaccurate accounts that I noticed on my credit report. They still report these accounts every single day and its causing a problem to my health.

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 2022-11-20
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. (CA)

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : 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

Company response to consumer: Closed with explanation