hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Complaint:
I summited all documents since 2018 to current that the account was included in my bankruptcy as well sent in the docket information as well. They sent me a letter telling me that they would update the statues and never updated the information. As well account was paid off the through chapter XXXX and is reporting as a collection in my report this is inaccurate information. Ive asked them to correct this several times my next step is to contact my attorney.

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

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.

The letters are stated with items and issues.

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.

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 2018-03-18
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: CITIBANK, N.A. (NJ)

Complaint:
This is a corporate credit card. They agreed to remove as it was not my fault it wasnt paid as the amount was so large it required executive level sign off. It went on my credit and its not my card its the company card used for corporate travel. I no longer work for the company and it continues to hinder/ruin my credit. 
I have contacted the company and they said they would remove it and have failed to do so. They were reporting it unpaid for the longest time and i had to dispute that as well. The finally marked it paid but refuse to remove it after stating they would.

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 2023-03-27
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. (TX)

Complaint:
In accordance with the Fair Credit Reporting act. 

The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX : XXXX. 
XXXX : 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
accordance with the fair credit reporting act XXXX  Account XXXX ( XXXX 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. With all do respect i've reported this account twice now please take action you have no idea how bad having this certain account on my account.

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 2023-03-01
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. (TN)

Complaint:
I sent a letter on XX/XX/2022 to Experian. Here is the tracking number XXXX. However the credit bureau said they completed the investigation and everything was 100 % accurate. 

According to the la

w 15 U.S. Code 1681a- Definitions ; rules of construction. The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?

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 2022-06-26
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. (IL)

Complaint:
THIS ACCOUNT HAS VIOLATED MY RIGHTS ; XX/XX/XXXX CARD ACCOUNT NUMBER : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
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:
XXXX XXXX  card please remove very misleading and deceptive, I want this removed not mine, I dont appreciate this bank being deceptive to there customers and when talking with them or trying To understand any information its like dealing with a scammer and I want this off my credit report its a credit card called reflex from XXXX XXXX last four of that card number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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: SYNCHRONY FINANCIAL (TX)

Complaint:
On XXXX the XXXX 2022, I was unaware of a credit check from SYNCB that resulted from a hard inquiry. I purchased an item through the agency XXXX XXXX XXXX. As I purchased the item with the cashier they signed me up for me to take out a card and I agreed, I later declined and the cashier told me that she canceled my transaction. At the time I did not worry about it since I thought this will not affect me. I later then find out through XXXX XXXX  that XXXX shows I have a hard inquiry and this could impact my credit. I immediately call XXXX XXXX XXXX to get this disputed and they can't seem to find any information under my name or by social security number, and they say I am not even a customer as if I do not exist. At this moment I would like to file a complaint for inaccurate information on my credit report towards SYNCB. 


Thank you for your time and consideration.

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 2023-04-11
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. (NJ)

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the accounts : XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/2017 Balnce : {$380000.00}, XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2017 Balance : {$0.00}

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 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

Complaint:
From XX/XX/2023 through XX/XX/2023 my credit report has been accessed by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX and several inquires from XXXX XXXX XXXX. I did not authorize any of these inquires. I have authorized XXXX XXXX to access my credit report only once and I now have ( XXXX ) inquires affecting my credit score. I want all these inquires removed immediately. I had a preauthorization/preapproval with XXXX XXXX XXXX only and authorized for my credit to be pulled once. Please see the attached documentation.

Company response to consumer: In progress
Consumer complaint received 2023-05-23
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. (LA)

Complaint:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

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 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MicroBilt / PRBC (formerly CL Verify) (MI)

Complaint:
Incorrect third party credit 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 explanation
Consumer complaint received 2022-12-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Complaint:
I am writing to you regarding fraudulent activity on my debit card and savings account. 
I would first like to mention my debit account is now closed since that claim has been completed. I mention it in this document as it correlates to the second claim. 

Claim No. XXXX was opened. Fraudulent amount {$140.00} ( bank info attached ) Claim No. XXXX was opened. Fraudulent amount {$960.00} ( bank info attached ) On XX/XX/XXXX someone walked into the BOA XXXX XXXX in downtown XXXX, Texas claiming to be me. They deposited a fraudulent check in the amount of {$960.00} and immediately withdrew {$140.00}. ( bank info attached ) Claim No. XXXX was opened as a result of the above. BOA immediately applied a chargeback fee and took out {$520.00} from my savings account. ( bank info attached ) In addition, I am attaching XXXX XXXX XXXX letters received from BOA. The XXXX letter dated XX/XX/2022 informs us that the investigation is complete and that there is no loss to us. They reference XXXX but I believe it should be XXXX. I have since received the {$140.00} and have closed this account. The fraudulent deposit of {$960.00} was debited from the account. 

The second XXXX XXXX letter dated XX/XX/2022 informs me that the investigation is complete and that there is no loss to me. They reference XXXX. We have made numerous phone calls to the BOA fraud dept and have spent numerous hours talking to the fraud specialists but with no successful outcome. 

Both these letters ( attached ) specify that the fees would be adjusted and there would be no loss to me. However, I have yet to receive the XXXX Back fee of {$520.00} taken out by BOA from my savings account. There was never a {$520.00} credit to this account. There has also been a case opened with the XXXX Police Department to view the video footage of the perpetrator and press charges ( Case # XXXX ) I would like to get this sorted ASAP so that my funds ( {$520.00} ) can be deposited back into my saving account.

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 2022-04-11
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. (AZ)

Complaint:
According to below LAW States 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 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Following Items are Incorrect & Not Accurate & miss leaded : this need to be taken care 1 ) XXXX XXXX XXXXXXXX : There was a collection item has been posted to my account and this is completely incorrect and In Accurate. This Doesn't even belongs to me at anytime till date. This was places without my concerns or permissions 2 ) XXXX XXXX XXXX XXXX XXXX : There was a 2 collection items with same name and different amounts. i don't know how its possible to put same creditor twice with XXXX different amounts. i have called the lender and checked & they don't even have any records or anything they said may be mistakenly placed seriously. this collections has been posted to my account and this is completely incorrect and In Accurate. This Doesn't even belongs to me at anytime till date. This was places without my concerns or permissions XXXX : Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX XXXX : Posted without my concern & this is completely Inaccurate there is not agreement or document associated and wrong address, wrong details. this doesn't belongs to me at all. 

XXXX XXXX XXXX XXXX : Posted without my concern & this is completely Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX XXXX XXXX XXXX : Posted without my concern & this is completelyInaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX  XXXX XXXX : Posted without my concern & this is completely Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

In Accurate address : 1 ) XXXX XXXX XXXX XXXX APT XXXX XXXX, AZ XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX this some commercial address not even home address XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX Names : 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 BELOW IM ATTACHING MY ACCURATE NAME & ADDRESS. apart from this i don't have any address or any names please remove the which is incorrect from my credit history / 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 non-monetary relief
Consumer complaint received 2023-02-12
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. (SC)

Complaint:
ON XX/XX/2023 THERE WAS AN INQUIRY ON MY CREDIT REPORT ACROSS ALL 3 CREDIT BUEARUS ( EQUIFAX, XXXX AND XXXX ) FROM AN " EQUIFAX MORTGAGE SERVICES '' COMPANY. I DO NOT RECOGNIZE THIS INQUIRY AND WOULD LIKE FOR IT TO BE REMOVED. I HAVE ALREADY TRIED TO SOLVE THE PROBLEM WITH THE COMPANY. 

THE INQUIRY WAS UNAUTHORIZED AND I NEED IT TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Complaint:
On XXXX credit report, there is an address listed that I never had : XXXX XXXX XXXX XXXX  wv XXXX. Also, there is a hard inquiry from XXXX that I never made. There are numerous soft inquiries that I am not making. 
On Transunion credit report, there are two hard inquiries that I have not made : XXXX XXXX & XXXX XXXX CARD. There are also multiple repeated closed accounts of XXXX XXXX, which is the same account as my active XXXX XXXX XXXX XXXXXXXX. 
On XXXX credit report, there are multiple repeated closed accounts of XXXX XXXX which is the same account as my active XXXXXXXX XXXX XXXX  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DataMax Corporation (NC)

Complaint:
On XX/XX/2018 I filed a complaint on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Salem XXXX   XXXX was showing ( 4 ) property tax bills that were fraudulent. Ref # XXXX you completed the investigation and they stated on XX/XX/2018 that they had reviewed all information regarding these accounts and discovered that they have all been closed and cancelled in there office on XX/XX/2018. These accounts have been marked for deletion on XX/XX/2018.

They had reported them on XXXX  on XX/XX/2018 now on XX/XX/2018 they have placed them on my XXXX. It appears they are continuing to replacing them on each credit reporting company 's. 

This is harassment and really need to be taken care of with them due to this being my second complaint. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Complaint:
This accounts were not mine and why are they on my report? This has been disputed last XXXX of XXXX however I haven't received any response from the respective agencies. I was taken advantage and now am I being ignored by them? This isn't fair.

Company response to consumer: Closed with explanation