hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-01-06
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: Experian Information Solutions Inc. (MI)

Complaint:
I've been disputing a fraudulent account that has been reporting on my credit report. The company is XXXX Credit Card {$3000.00}. A credit repair company provided me with the documents of this account. I immediately contacted Experian to dispute this account. 

Spoke with the customer service representative and was told to contact XXXX. I called XXXX Fraud department and was told by them to provide them with documentation showing this account was not a account I opened. I submitted the police report, and affidavit of fraud and forgery that was notarized by my credit bank. I also sent them identity theft victim information sheet that I filed as well. 

This process has been ongoing with them. XXXX sent me a letter in XX/XX/XXXX saying that after their investigation the account was opened in XX/XX/XXXX, and they provided an address that is not an address where I have lived. At that point I had my apartment complex provide XXXX with a letter stating I have only lived at one address in the complex. And as of today Experian and XXXX are holding me against my rights to an account they have failed to prove I opened. 

According to FCRA 605B ( 15 U.S.C. 1681c-2 ) block of information from Identity theft. " A consumer reporting agency shall block the reporting of 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 by such agency '' .... but this matter has been going on for years and Experian nor XXXX Credit Card has upheld this 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 non-monetary relief
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Complaint:
I have sent several letters/disputes to XXXX XXXX, XXXX, and Equifax about incorrect information currently on my credit report. I have not gotten any responses. I am very afraid that someone has been using my information and opening fraudulent accounts. The Only Names, Addresses, & Employers that should be listed on my Credit Report are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Adress XXXX XXXX XXXX XXXX, XXXX  XXXX Current Adress XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

Complaint:
After reviewing the Fair Credit Reporting Act, I did not find a regulation requiring that I request a disputed directly with Experian. From what I have learned, please feel free to correct anything you find incorrect, my obligation is to identify myself with my dispute ( which I've done ). Using the system Experian provides seems self-serving on Experian 's part and not to my advantage. This system is free also and it has the additional advantage of accurately documenting my contacts with Experian in case I need to take this to court which this is beginning to head toward. I simply want you to start an investigation on the items below. If not you are in violation of the FCRA and will be required to pay {$1000.00} per violation plus court cost. 

ACCOUNTS XXXX  XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX/XXXX  XXXX never late XXXX  XXXX never late XXXX NA XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXXXXXX never late XXXX XXXX XXXXXXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX  XXXX not mine XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX   XXXX  XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX 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 2022-05-28
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:
XX/XX/2022, Transunion has violated my consumer rights. I have written an AFFIDAVIT of Truth stating the facts. The laws that have been broken are with the facts. C.F.P.B I have attached the documents.

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 2023-05-24
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. (PA)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2021-11-16
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. (FL)

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (OK)

Complaint:
HOME DEPOT Online On XXXX XXXX I was looking at an XXXX $ item on homedepot website. Below the add to cart button there was a message stating my price would be XXXX $ for a new account promo if I applied for, and used the HOMEDEPOT credit card. I did so, was immediately approved, however after adding the item ( XXXX XXXX XXXX  XXXX ) to my cart along with the promo code, it only applied a {$25.00} credit. 

I contacted HomeDepot and was told that the {$100.00} credit were only for orders over {$1000.00}. I requested to be made whole by having the card canceled and the inquiry removed from my credit report. I was told they could cancel the card but not remove the inquiry from my credit report. As they refused to remove the inquiry, i requested they leave it all as is until I could contact a consumer advocate. 

I feel this is an unfair and deceptive practice that has resulted in an impact on my credit report for an account I applied for under false advertisement. I would like to be made whole. 

Most Sincerely,

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 2017-09-26
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: SYNCHRONY FINANCIAL (CA)

Complaint:
I have sent letters out multiple times and nothing has been done to address my issues. 
I have not received any correspondence from the bureaus.

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 2019-09-22
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:
On XX/XX/2019 I sent a consumer dispute to all 3 major credit bureaus requesting section 609 They failed to positively verify the accounts that are hurting my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, they must remove the accounts. They never sent me proof and continue to report theses adverse accounts. I followed up after no action on XX/XX/2019 and requested for verification and that never happened. The accounts are still reporting and no answer to why.

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 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I have requested this to be verified several times with no resolution, I have child support that is not only being reported incorrectly, it's actually showing up twice on my report with incorrect amounts, incorrect dates, and I was never notified it would be put on my report. I have attached a screenshot of my credit report showing multiple reporting.

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 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Complaint:
I have asked for my personal information to be updated. The information is wrong I have a business address on my personal information that is not mines.

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 2018-06-06
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. (MO)

Complaint:
After disputing the following inquiries the 3 reporting agencies concluded that the un- verified accounts been verified, neither company sent me any physical documentation to support their reporting inwhich the investigation stated " up dated ". Now according to the FCRA rule of law, if there's no physical evidence then the accounts shall be removed. The following inquiries in dispute are.. XXXX Credit Cards ( XX/XX/XXXX ), XXXX XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX Miscellaneous Reptg. Agencies ( XX/XX/XXXX ), 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 2023-03-01
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. (MD)

Complaint:
I have kindly informed Equifax and the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX that I have a {$2300.00} balance with XXXX XXXX  that has been illegally reporting late and past due payments to my credit reports and that it has seriously been affecting my ability to get funding, move in an apartment or purchase a home. They illegally reported transactions during the years XXXX, XXXX, and XXXX. 

I sent them a letter requesting on the date of XX/XX/XXXX of XXXX, that they cease all attempts to report late and past due payments to Equifax Consumer Report. I also fully interpreted the improper use of my credit report to each party in my official request. The late and past due payment XXXX XXXX  has been reporting is a violation of the rules of construction under Title 15 USC Section 1681a. and I fully interpreted the violation to them in the letter. Despite the clarity of the situation both parties ignored my request and did not remove the late and past due payments that were illegally being reported to my consumer report for the account. 

The primary purposes of this report are to have XXXX XXXX  and Equifax to cease all attempts to illegally report late or past due transactions or experiences to my personal consumer report in future, notify the perpetrators that they are in violation of Title 15 U.S. CODE 1681a, and to have all late or past due payments in violation of Title 15 U.S. CODE 1681a. on my credit/consumer report for the following account be immediately removed from my credit/consumer report. 

I will be attaching information about the account to this report as well as specifying the illegally reported transactions that are to be removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revenue Assistance Corporation dba Revenue Group (OH)

Complaint:
I'm not aware of this debt and did receive any mail with the opportunity to dispute as these not my accounts REVENUE GROUP # XXXX ; XXXX. Please provide the following : Method of verification Validation of Debt Assignment of Debt These account should not be place in dispute until any type of investigation needs to happen. This accounts need to be removed as your in violation of Hippa rights as well and I will file suit. If you believe you provide communication please attach CERIFIED MAIL showing that mail was delivered and sign for. Can not just place deb on someone credit report.

Please remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
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. (CA)

Complaint:
I have been trying to dispute since XX/XX/2020 and only XXXX  has removed the inaccurate information and student loans that were transferred to another lender. Also, the document that I have provided from the XXXX XXXX XXXX does not have my original signature. It has someone name XXXX which I have no idea who that is. 

XXXX XXXX XXXX- Does not have my original signature on the documents provided XXXX XXXX XXXX account XXXX-Innaccurate information XXXX  shows XX/XX/2020 date opened and Equifax shows XX/XX/2020 last date reported is also inaccurate XXXX XXXX- desputed and removed by boyh XXXX  and Equifax XXXX  has not removed this account. 
XXXX XXXX opened, balance, high credit score past due, all is innacurate information with all 3 credit bureaus.

XXXX-Not my information XXXX/XXXX- reporting inaccurate information with all 3 bureaus.

.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
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:
Over the past 1 year, I have been dillegently demanding proper validations of the following accounts : *XXXX  XXXX XXXX XXXX * XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX I have NOT been provided the mandatory validations of these accounts which includes : * Signed and dated contracts from the above mentioned accounts * locations where these accounts were allegedly opened, representative name and contact information who opened these accounts * complete account numbers * account balances, opened closed dates These allegations are damaging my credit and causing me distress and loss of employment due to its adverse affects. 
I am a victim of identity theft in addition. 

This bureau is violating : * FCRA 611 ( 15 U.S.C. 1681 ) * FCRA 623 ( a ) ( 7 ) *FCRA section 1681c *FCRA 611 ( 5 ) ( a ) * FCRA 609 ( a ) ( 1 ) ( A ) * section 611 ( a ) ( 1 ) ( A ) I demand that these accounts be deleted immediately. Otherwise I will have no chose but to persue legal action immediately under ( Section 616 & 617 ) if you fail to comply with the FCRA. 

I have several receipts for my USPS certified mailed, notarized affadavits to this bureau demanding complete validation of these allaged accounts as well as stated that I am a victim of identity theft and that these are not my accounts. 

They have refused to validate or delete these adverse accounts/late payments from my reports. 

You are required to have a copy of the original creditors documentation on file, according to the FCRA. 

Simply sending me a generic response stating " account updated '' is not validation. 

Signed, Distressed Consumer, 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 2018-11-19
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: Strategic Alliances, Inc. (UT)

Complaint:
1st Finl Investment Fund is reporting on my credit for a debt that isn't mine or I do not owe. IT looks like it is for medical but I have always had insurance and never owed this. 
I have never got a notice from this company ever ... 
This debt is old and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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: EQUIFAX, INC. (AL)

Complaint:
delete the hard inquiries XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX 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 XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX please remove these inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Complaint:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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. (MD)

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions Account Name XXXX  XXXX Account Number XXXX Account Name XXXX XXXX XXXX, XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Record Type XXXX XXXX XXXX discharged Reference Number 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 2023-08-18
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. (AZ)

Complaint:
I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief