hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-10-19
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. (CA)

Complaint:
I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. Sec.1681i ( a ), you must complete this reinvestigation within 30 days of receipt of my letter. ( No investigation done ) My letters attached.

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 2023-06-12
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: Experian Information Solutions Inc. (PA)

Complaint:
I recently pulled my credit report and noticed a bunch of inquiries that are fraudulent, and a bunch of addresses that are not connected to me, or that have never been associated with me. This information is being reported inaccurately and is causing damages to me. 
According to FCRA. You are not allowed to report inaccurate information, or you could be held civilly liable. This information is damaging to me and interfering with my search for homes. If I end up homeless as a result of your inaccurate reporting I intend to hold you liable for the amount of my actual damages. You must block and remove this inaccurate information from my credit report immediately. 

I have attached a FTC report for these fraudulent inquiries, and a list of these fraudulent addresses.

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 2020-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Health Care Financial Services, Inc. (TX)

Complaint:
I reached out to Ars Resolution in XX/XX/XXXX by sending a debt validation letter requesting information on a collection account from XXXX on XX/XX/XXXX for {$220.00}. 
I also requested that if they couldn't verify the debt in thirty days to notify XXXX  for removal for inaccurate reporting. 
As of XX/XX/XXXX I have not received any correspondence from the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
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. (FL)

Complaint:
I don't recognize this inquiries. Never applied for this companies.

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 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2018-02-27
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: CL Holdings LLC (MD)

Complaint:
I pulled my credit report and at that time i noticed that this company is reporting debt that I do not believe to be mine or that is too old to be reported. I contacted the company and the credit reporting agency yo have the information validated. I have received no communications from creditor regarding account. They are reporting negative information on my credit report which does not belong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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. (NY)

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$4200.00} XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry 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 non-monetary relief
Consumer complaint received 2021-06-30
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. (FL)

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
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. (IL)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Tower Loan of Mississippi, Inc. (MO)

Complaint:
Contacted my employer after I told them I'm not allowed calls at work. When calling to make my payment, I asked the rep ( XXXX ) to not call my employer or anyone else regarding my balance owed or payment. He kept acting like he would process my request and then say we will call those numbers as a last resort. I told him 4 times he did not have my permission to call my employer or friends/family about my debt and he refused to give my confirmation he or anyone else at their company would respect my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
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. (FL)

Complaint:
XXXX XXXX is not reporting to credit bureau in a timely manner or reporting and then changing it back I suspect to keep customers at a higher interest rate I have paid at least half of my card off and its been almost 60 days and it has not been reported to the credit bureaus on Experian it was reported and then changed back bringing my score down

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 2020-10-28
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. (MD)

Complaint:
I'm reaching out because XXXX has had me down for missed payments that are incorect In addition to this, I was placed on forbearance during the period of the 6 months that the payments were placed down as " missing '' and outside of this, I've never missed payments on any of my other counts ; some I've had for years. 

XXXX is federally regulated and often completely ignores any complaint or adjustments requested but this heavily impact my life and my ability to do anything on multiple levels of my life. 

Also, I want to add that the loan was split into three loans? Why would I get a {$130.00} loan for school. 

Please, I've submitted form after form for the past 2 years This needs to be updated.

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 2023-04-19
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. (FL)

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 2018-07-03
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: Experian Information Solutions Inc. (NY)

Complaint:
In XX/XX/XXXX I went to the Mortgage broker to get pre-qualify to purchase a home. To my surprise I was denied. They said it was because of my credit report. I was confuse, after months of doing some in depth research with the help of some friends and family, It was clear that I was a victim of identity theft. I eventually went to ftc.gov and got instructions on how to dispute the negative information. I submitted my first id theft dispute along with detailed documentation as proof that I was a clear victim of Identity theft XX/XX/XXXX to all 3 credit bureaus all the other bureaus remove the negative accounts but to my surprise Experian responded stating that after the investigation they have found that I was responsible and the accounts belong to me. That's it no evidence or proof of their 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 non-monetary relief
Consumer complaint received 2017-07-10
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. (MA)

Complaint:
To Whom It May Concern : The creditor XXXX, did not present a contract ( VERIFICATION OF DEBT ) as requested inXX/XX/XXXX. Also, one complaint has already been made with no resolution. The creditor has reported an inaccurate and unverifiable derogatory mark with all XXXX credit bureaus.XX/XX/XXXX, failed to provide the required verification of debt within 15 days of receipt of the initial CFPB complaint that was received, which is a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Proper verification is a signature and verification that I have a contractual obligation to pay them as the Debt was written as loss to the creditor. For purposes of this subdivision, reasonable verification shall include documentation of the name of the original creditor, the name and address of the debtor as appearing on the original creditors records, the original consumer account number, a copy of the contract or other document evidencing the consumer debt, and an itemized accounting of the amount claimed to be owed, including all fees and charges. I am again stating that the debt is not mine and that no proof of my signature has been provided to verify this debt.

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 2017-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc (AR)

Complaint:
Professional Credit Management continues to report a debt on my credit profile after I have disputed the account asking them to validate it is my account. They failed to validate the account with my social and my signature. They sent me an itemization showing what procedures were done at XXXX ( HIPAA violation ). I have no knowledge of the account so I asked for these pieces of information ( social and my signature ) to validate that it is actually my debt. The first letter was sentXX/XX/XXXX and the second one in XX/XX/XXXX. I have even offered to pay the amount they say I owe if they would remove it from my credit profile inXX/XX/XXXX. That request was denied.
I 've included an attachment to show when this account was opened. You will also see the remarks that shows I have disputed this. The opened date of XX/XX/XXXX also puts them outside of Arkansas Statue of Limitations for Medical Collection : Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ).
I have not paid anything towards this debt and continue to go back and forth with them over an account that is being reported outside of my state 's statue of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (CA)

Complaint:
My mother added me to her Wells Fargo MasterCard account as an authorized user in XX/XX/XXXX. I never received a card of my own or ever used this account. In XX/XX/XXXX m mother filed a chapter XXXX BK after being laid off from her employment. She however, failed to remove me as an authorized user from this account before filing. Wells Fargo has reported this debt on my credit report since XX/XX/XXXX and continues to come after me for this {$15000.00} balance. I have made several attempts to have WF remove this negative TL from my credit report but they tell me that their records show that I am the primary account holder and that I owe this debt. They are wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
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: Experian Information Solutions Inc. (NC)

Complaint:
The following dates and card accounts were applied for without my knowledge, this has caused a major hardship in my life. XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019.

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 2022-08-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Complaint:
Someone tried to open a bank account using my information such as my name and ssn. I called the bank and got the account closed.

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 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (HI)

Complaint:
I am in total disagreement with the EQUIFAX investigation response to my dispute from XX/XX/2022. The incorrect items listed below still appear on my credit report. EQUIFAX only changed the details and comments on each disputed accounts, EQUIFAX ignored my requested proof of their investigation, therefore EQUIFAX is violating the Fair Credit Reporting Act section 611 ( 5 ) ( A ) of the FCRA. EQUIFAX never provided me any method of communication they used to verify the information. EQUIFAX never provided me the documentation used to verify my dispute. EQUIFAX VIOLATED the Fair credit reporting act, public law 91-506, Title VI, Section 611, Subsection A-D. EQUIFAX is violating the standard of reporting compliance implemented with the CRSA enacted CDIA Metro 2 Compliance regulations. EQUIFAX USED A COMPUTER GENERATED VERIFICATION system called e-Oscar. ANOTHER VIOLATION.

DUE TO ALL THESE VIOLATIONS EQUIFAX NEEDS TO REMOVE THE INACCURATE AND INVALID ACCOUNTS LISTED BELOW IMMEDIATELY : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
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. (TX)

Complaint:
This complaint is in regards to innacurate information on my credit report involving all three credit bureaus. I disputed the information by mail and have delivery confirmation. I was then notified the information was verified as accurate. I then requested a method of verificationn with delivery confirmation and expected a response with in 15 days. I have recieved a copy of my current credit report with either no changes or only some changes in most cases the changes weren't even relevant to my dispute. There however has been no method of verification whatsoever.

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 2022-01-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

Complaint:
The car was repossessed due to financial hardship and natural disaster. The amount due on the vehicle was partially obtained through auction. The remaining amount was sold to a debt collector ( XXXX XXXX ). That remaining amount was settled, paid and issued for deletion. I contacted San Tander consumer to try and update the account with my letter of satisfaction. I requested that the account be removed from my credit report as they have managed to obtain the money owed on the car. They replied and stated they will do no such thing and hinted that I was asking them to do something illegal. They would not accept my letter of satisfaction of payment and would not work with me on the matter. I explained that if they received the money it should not be an issue to update my credit report if not a full deletion of the account. They said they will not do it. This account reflects on both my wife 's and I credit report.

Company response to consumer: Closed with explanation