hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

Complaint:
Sent in XX/XX/2023 email and letters. Notice and demand were sent by email no response after the 72 hour window. Dispute letter sent and no response within the 72 hour window to all three major credit reporting agencys. Experian, XXXX, XXXX. Were produce detail and accounts with missing and or incorrect information. Fraud dealing with inquiries which I never consented to and personal information and credit reporting information either out of date and incorrect which goes against the metro 2 guidelines and is stunting my financial growth and credit worthiness.

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 2020-06-05
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: EQUIFAX, INC. (NC)

Complaint:
My name is XXXX XXXX XXXX and I filed a Ftc compliant to have these fraud items removed from my credit report It has been longer than 45 days and these Items are still on my credit report. If these items arent removed in 30 days I will be forced to file a claim in small claims court to seek litigation and damages. 
FTC Compliant # XXXX usps tracking XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Accounts listed below 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
Consumer complaint received 2023-06-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Complaint:
Credit report is reporting account inaccurate. Stating inaccurate date of last activity date open, date last payment and missing data on date last verified and date closed. I have disputed account with all three bureaus asking that account gets verified or deleted because I do not recall having this debt with this creditor and account is not showing " account has started investigation or is under investigation '' in fact it shows account not disputed and that is false because I have disputed account. Over 30 days have passed and I have not heard back from bureaus in regards to account. Definitely feels like I am being ghosted. Account is not meeting law requirements with inaccurate and missing data.

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 2021-09-21
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: EQUIFAX, INC. (IL)

Complaint:
Ive contacted all 3 credit bureaus regarding disputing this account and provided supporting documents and the outcome wont change. Im being told that the creditor verified the information they have is accurate which isnt which shows that the credit bureaus arent doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TN)

Complaint:
i have 2 collections on my credit report that are not mine 1 is XXXX XXXX XXXX and the other one is XXXX XXXX XXXX it was opened on XX/XX/XXXX and the other one was opened XXXX XXXX XXXX  The amounts is {$420.00} and the other one is {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 2023-01-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Complaint:
XXXX has sent me 12 letters in regards quote : TO PROTECT ME THE CONSUMER THEY CANT GRANT ME DISPUTE REQUEST TIL NI SEND THEM PROPER IDENTIFICATION there idiots and responses are frivilous I sent them Passport State ID and Copy Of My Bank Statement as well attached again with this XXXX Complaint since I have 22 open complaints against XXXX Experian XXXX at CFPB lack of responsabilitys to enforce I am asking all 22 open cases to be closed as I have exhausted myself with this waste of tax payers money agency CFPB and exerciscising my right with Attorney to represent me, attached is my last of many open complaints here AGAIN FOR THE RECORD PASSPORT STATE ID AND BANK STATEMENT ( XXXX JUST GOT ADDED TO THE LAWSUIT ) CFPB PLEASE BE ADVISED IAM GATHERING INFORMATION TO SEE IF I CAN ADD AS WELL you have closed and responded many and tagged it as duplicate THESE 3 CREDIT BUREUS AS WELL AS ME YOUR AGENCY IS A JOKE AND THESE 3 IN REGUARDS NO HOW TO MANIPULATE YOUR SYSTEM the attached is AGAIN proof that XXXX as well XXXX responses are not alone lyes but slapping you in the face stating they can do what ever there hart desires CFPB YOUR NOT AT ALL HERE TO PROTECT US YOUR JUST A MIDDLE PERSON PROVIDING PUBLIC INFORMATION were investigating if your even publishing this XXXX SEE ALL LIABLE IN COURT MARK MY WORD

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 2020-12-08
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. (LA)

Complaint:
I'm unsure as to what this account is about. There's also a report date of XX/XX/20 on my report that is incorrect and false. Please do not respond with an automated message.

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 2021-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

Complaint:
I had an unpaid balance of XXXX with XXXX XXXX for last electric bill owed at previous address XXXX XXXX XXXX XXXX XXXX, fl XXXX. I sold this property and relocated to another address, If notice was mailed, I never received notice of unpaid balance at new address in XXXX, fl. I was informed of balance from debt collection agency XXXX  XXXX XXXX at which I was given 10days to pay in full. I immediately paid off the XXXX balance once notified of this, however, Its now showing on my credit report as delinquent!! It has been paid off in full!! a

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 non-monetary relief
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (FL)

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 60 days late ( XXXX to XXXX ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

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 2020-06-12
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. (TX)

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$500.00} XXXX  XXXX {$6400.00} XXXX XXXX {$340.00} XXXX  XXXX {$360.00} XXXX  XXXX {$1000.00} XXXX  XXXX {$3000.00} XXXX XXXX {$400.00} XXXX  XXXX {$12000.00}

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 2021-11-02
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: The CBE Group, Inc. (NC)

Complaint:
Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 



Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit 1. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Account Number : XXXX Please remove it from my credit report. 

3. Account Number : XXXX Please remove it from my credit report. 

4. Account Number : XXXX Please remove it from my credit report. 

5. Account Number : XXXX Please remove it from my credit report. 

6. Account Number : XXXX Please remove it from my credit report. 

7. Account Number : XXXX Please remove it from my credit report. 

8. Account Number : XXXX Please remove it from my credit report. 

9. Account Number : XXXX Please remove it from my credit report. 

10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX 11. CBE GROUP Account Number : XXXX Please remove it from my credit report. 

12. CBE GROUP Account Number : XXXX Please remove it from my credit report. 

13. CBE GROUP Account Number : XXXX Please remove it from my credit report. 

14. Account Number : XXXX Please remove it from my credit report. 

15. Account Number : XXXX Please remove it from my credit report. 






Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Braviant Holdings, LLC (MO)

Complaint:
On yesterday XX/XX/20 Ive received a phone call from XXXX the rep did not state her name nor where she was calling from. The lady verified the last 4 of my ssn and stated that she was calling from Balance loan. I attempted to explain that I can not pay back the debt due to my being laid off due to covid. I informed the rep that I have limited income of {$130.00} per week and that not enough to pay anything. The lady then began to questioned me about a vehicle that is listed in my name and started to threaten me talking about collateral. When I asked the name of the company she would not state the info nor her name. She also threatened me to say that the docket was on her desk to have me prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
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. (TN)

Complaint:
I was checking my credit report just because i'm planning on purchasing a home some time soon. While checking my credit report i notice some items that are not my. This is unacceptable and kinda embarrassing. I need these items removed from my credit report. I contacted the FTC and my local police. I am doing this on my own behalf. I'm working on this on my own behalf. 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. There are also some inquiries on there that I know nothing about. 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
Consumer complaint received 2022-04-24
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. (MS)

Complaint:
Hello, I am writing this complaint after reaching out to the lenders to correct incorrect information on my credit reports. I also want to complain that these companies are not following the mandates as set by the Cares Act for fair reporting. The accounts in question are with XXXX Bank, XXXX ( XXXX ), and XXXX XXXX XXXX. These accounts have inaccurate information across all 3 major credit bureaus. Ive sent letters to the bureaus to dispute these inaccuracies as my right to do so as stated in 15 U.S.C section 1681 i ( a ). In addition, these accounts fell delinquent in 2020 during the COVID pandemic. Accommodations and communications were made with each of these lenders. All accounts are now paid as agreed but past delinquencies are still reported on my consumer reporting. It is my understanding that according to Cares Act, if accommodations have been made and accounts are current. All delinquencies from XX/XX/2020 should be reported as current. My resolution is that all these delinquencies be removed from these accounts that fit this criteria. 

The file attached comes from the Experian website about credit Reporting under the Cares Act

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 2022-12-12
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: DISCOVER BANK (CA)

Complaint:
In accordance with the Fair Credit Reporting Act the following Accounts, have 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. 

15 U.S.C 1681 ( 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. 1681-2 ( 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.

In accordance with the Fair Credit Reporting, everything has to be 100 percent accurate on my credit report. 

XXXX stated the Discover account XXXX opened XX/XX/2018 was properly investigated but how is that possible if I never applied for the Discover account XXXX XX/XX/2018 and have sent them a letter from Discover in which it states the account was opened fraudulently? I have also filed a police report and a FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (WA)

Complaint:
This account is from a landlord trying to collect debt from past renters, but the renter was not me. The original company was called XXXX XXXX, and trying to speak with them about my identity being stolen and used to rent property with them was only responded with extreme anger and hostile threats by XXXX XXXX employees in XXXX Washington. The account is absolutely identity theft and I believe stolen by an ex boyfriend and his new girlfriend and they used my name to rent out of spite. I have tried constantly to fix this issue only to be treated like nothing I say matters. I've tried speaking with renters warehouse, and then it went to collections with Fair Collections and Out, and they have also been ignoring my requests and pleas. I'm not responsible for this account and I need it removed from my credit report. Because of it, I am unable to rent an apartment or get housing for myself and my daughter.

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 2022-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (NJ)

Complaint:
Procollect has put my account into collections from an identity fraud case. Someone stole my identity and opened up a gas, listing an incorrect address as well.

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 2022-04-06
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 disputed the following items with TransUnion to be removed and deleted from my credit report on XX/XX/XXXX and these unlawful incorrect items are still being reflected on my credit report : company : XXXX XXXX opened date : XXXX XXXX amount : {$980.00} company : XXXX XXXX opened date : XX/XX/XXXX amount : {$1800.00} company XXXX XXXX XXXX XXXX  opened date : XX/XX/XXXX amount : {$1900.00} company : XXXX XXXX XXXX XXXXpened date : XX/XX/XXXX amount : {$470.00} company : XXXX XXXX XXXX closed date : XX/XX/XXXX amount : {$4100.00} company : XXXX XXXX closed date : XX/XX/XXXX amount : {$0.00} company : XXXX opened XXXX : Decemeber XXXX, XXXX amount : {$0.00} company : XXXX XXXX XXXX XXXX closed date : XX/XX/XXXX amount : {$100000.00}

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 2017-10-08
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. (NY)

Complaint:
I just received an update on my XXXX credit report. The update is now showing that " XXXX XXXX XXXX XXXX XXXX '' is reporting I did a bankruptcy and the amount was charged off to a debt I could not pay.This is completely wrong. I NEVER claimed bankruptcy and I am very upset that this wrong information is reporting on my credit report. XXXX XXXX XXXX XXXX had agreed to delete this account off my report not to report a bankruptcy that I NEVER did.

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 2021-04-14
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:
My Equifax credit report changed my name to name of some other person with similar spelling and included unrelated addresses in my report. This happened last year. 
I have wrote twice to Equifax with proof of my identity and name. However they did not correct my report nor give my any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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. (OH)

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 Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation