hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-03-22
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. (LA)

Complaint:
XXXX ; XXXX and Transunion are reporting incorrectly that I am in 'charge off ' status for the XXXX XXXX ( page 32 of the attached credit report ) partial account number XXXX. I contacted XXXX XXXX at the customer service number and the representative told me they could not locate any records of this account in their system. This incorrect reporting is harming my credit score.

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 2017-08-03
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: TD BANK US HOLDING COMPANY (IL)

Complaint:
XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for credit cards and communication accounts ; these applications resulted in fraudulent inquiries that are now listed on his credit reports. After efforts were made to notify official each of the account providers of the fraudulent applications the account providers still list the fraudulent information on the credit reports despite the issue being related to identity theft. One of the bank already provided a clearance letter confirming the issue was fraudulent and confirming they would remove the data however the information is still being reported to the XXXX credit report ; this is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
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. (TX)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX. XXXX  XXXX XXXX  XXXX, XXXX XXXX Last 4 of SSN : XXXX RE : Account Number XXXX To whom it may concern, I am contacting you because I have found some information that is in-accurate on my credit report. You are reporting a late payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on the account XXXX XXXX  Account Number XXXX This is not true, I was not late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I request that you verify the information and update the payment history on this account as PAID, NEVER LATE with all 3 credit bureau. I was on the Coronavirus-Related Mortgage Assistance Plan and I have been making my payments on time.

After doing so please provide me with an updated credit report reflecting the changes.

Best Regards, 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 explanation
Consumer complaint received 2023-04-21
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. (FL)

Complaint:
On XX/XX/2020 I made a payment by check of {$97.00}. I enclosed a copy of the payment. 
Original creditor : XXXX XXXX owner : XXXX XXXX XXXX The tradeline reported by : XXXX XXXX XXXX Can you please remove this potentially negative item off 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 non-monetary relief
Consumer complaint received 2019-06-08
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (AR)

Complaint:
SALLI MAE NOW NAVIENT WAS DELETED FROM ALL CREDIT BUREAUS LONG TIME AGO. RECENTLY THEY RE-INSERTED THIS DISCHARGED LOAN WHICH SOL EXPIRED AND HTEY FAILED TO GO TO THE MEETING OF THE CREDORS IN XX/XX/2018 BK XXXX. LASTLY ARE AWARE THAT THIS DEBT WILL CAUSE FINANCIAL HARDSHIP, DUE TO THAT FACT MY HUSBAND IS XXXX AND I BEING XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Complaint:
I am practicing my right to challenge questionable information that I have found on my personal credit report. 
These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 
I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this.

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 2022-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. 

Account 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 1681Section 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 2023-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) U.SC The Furnishers / Credit Reporting agencies of the following accounts INQUIRIES : XXXX XXXX  XXXX. XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX  XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE have violated my rights . according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "

Company response to consumer: In progress
Consumer complaint received 2020-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

Complaint:
XXXX XXXX XXXX, XXXX. added debt to my credit report in the amount {$1100.00}. This is not my debt. I have current open account with same company in GOOD standing at {$0.00} balance. I do not know where this other account came from. I have disputed and spoke to customer agents also have sent out a letter regarding matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you with regards to my credit report, which contains negative items that are affecting my credit score. Specifically, I would like to dispute the following items : XXXX XXXX XXXX : On XX/XX/XXXX, an inquiry was made on my credit report by XXXX XXXX, which I do not recall authorizing. As I am unsure of the legitimacy of this inquiry, I request that it be immediately removed from my credit report. 

XXXX Inquiry : On XX/XX/XXXX, an inquiry was made on my credit report by XXXX, which I do not remember authorizing. I suspect that this inquiry might be fraudulent, and therefore request that it be removed from my credit report immediately. 

Incorrect Personal Information : I have noticed that my credit report contains an error in my personal information. Specifically, my account number and previous address have been listed incorrectly as XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XX/XX/XXXX. I request that this information be corrected as soon as possible. 

I would greatly appreciate your assistance in resolving these issues and improving my credit score. Thank you for your attention to this matter. 

Sincerely, 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 2023-06-30
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. (TX)

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 explanation
Consumer complaint received 2021-08-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Western Collection Bureau, Inc. (OR)

Complaint:
Monday XX/XX/XXXX, XXXX XXXX, I received a call that rang once and then went to voicemail. The number on caller ID is XXXX. The message said " This is Western Collection Bureau. We are attempting to collect a debt. Please call XXXX. '' I saved a screenshot of the call log. I also saved the voicemail message, which had the number to " please call ''. I have received other, different, fraudulent " mystery collectors '' with no known debt, about a year ago. This is the first call, on an unknown debt, if any. I challenged a medical lab on digging up an old, outdated bill for {$20.00}, from a year before ( 2019 ), after finding my XXXX, and sending it to me. It stopped sending me bills. Therefore I guessed that it was either a {$20.00} old, challenged lab bill, a minor, invalid collection attempt with nothing in writing, or a fraudulent phishing attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
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. (VA)

Complaint:
In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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: Experian Information Solutions Inc. (CA)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Acct num XXXX XX/XX/XXXX {$56.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$69.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1700.00} XXXX XX/XX/XXXX XXXX XXXX {$13000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$12000.00} XXXX XX/XX/XXXX XXXX XXXX {$7900.00} XXXX XX/XX/XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} XXXX XX/XX/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 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 2017-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

Complaint:
on XXXX/XXXX/XXXX I opened a citi bank account because I was going to switch from my current bank. I thought i was making the right decision. So, i opened the account online. Therefore, the card comes in the mail about 7-10 days after the account is opened. I wanted to transfer the funds I had in my current bank to the new Citibank checking account. My account was n't enabled for inter institution transfer so i wrote a check from my current institution to the new one. Check cleared everything is dandy, or so i thought! I found out today without notice over the phone that my account is in the process of being closed due to " fraud ''. I think this is complete discrimination. I did not commit fraud, nor have I ever. I had XXXX for 10 years with no issues. The representative supposedly said that I was advised not to do " self-self '' checks, she was very rude but I was NEVER told that. I only had the account for a week why would they feel the need to tell me that?

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 2022-09-21
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: Advanced Resolution Services Inc. (TN)

Complaint:
I am a victim of identity theft, also have been affected by the XXXX XXXX XXXX on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX Physician # XXXX, TN XXXX XXXX # XXXX, TN XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX and XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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. (TX)

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

15 U.S.C. 1681 section 602 A. states I have the rights 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 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 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Complaint:
Im applying for a mortgage the other two credit bureaus XXXX XXXX XXXX are showing everything but Equifax can not be pulled up and it is jeopardizing my living arrangements to the point where I might be XXXX the mortgage company looked at my score to get to but couldnt get the other from Equifax I called thinking it was a freeze and no feedback once I discovered there was no freeze I have heard many people are going to the same problem please tell me what it is I should do in order to save myself from poverty No

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency (TN)

Complaint:
On XX/XX/XXXX Grant Mercantile Agency reported a debt of {$1500.00} for XXXX XXXX on my credit report that does NOT belong to me I have repeatedly asked for the identification used in opening this account as proof and they have not been able to provide it. On XX/XX/XXXX, I filed a complaint with CFPB about this issue at which time Grant Mercantile Agency LIED in their response saying it would be " closed with explaination ''. Instead of doing that they have increased the collection amount, keep sending me identity theft papers to fill out, and it has remained opened on my credit reports as collections even tho they refuse to provide me with MY identification to prove that it is my account. I will not perjur myself by filling out identity theft reports when I have no idea if thats what it is or not. What I do know is that Grant Mercantile Agency LIED to both myself and to CFPB by saying they would close the account with explaination when they have no intention to do so. They should be penalized for LYING about resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
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:
I was concerned about the latest security breach that Equifax had and I checked my report and noticed that there were a lot of credit inquiries that I did n't recognize prior to the breach and a couple afterwards. I contacted Equifax on XXXX/XXXX/XXXX to investigate and remove these inquiries and Equifax apparently did n't think my credit file was n't important enough to investigate my concerns. I received a letter back within a few days stating that the inquiries are actual and factual data. Basically, Equifax is telling me to go kick rocks. I called a couple of the companies and their phone numbers goes to nowhere, so this displays to me that there was n't an investigation done. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Equifax is clearly violating my rights as a consumer and I want to issue resolved immediately.

Company response to consumer: Closed with explanation