hpe-ai/customer-complaints huggingface dataset:
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. (NJ)

Complaint:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

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 2022-11-07
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. (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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2021-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

Complaint:
On XX/XX/XXXX or XX/XX/2021 my credit limit was decreased from {$6200.00} to {$500.00}. This is the only month I've paid after the due date going on 2 years. All of my accounts are on autopay and I thought this was too. The credit report Chase used has a lot of incorrect info such as account inqueries from companies in which I've never attempted to do business. I was on hold for 55 minutes and eventually spoke to an agent who refused to restore my limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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. (NC)

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 U.S.C 1681. 

XXXX : XXXX, XXXX : XXXXXXXX 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 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 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 2018-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Complaint:
( XX/XX/2018 ) I called XXXX this morning to rectify the problem and I got disrespected, insulted, the customer service reps said things like " I don't care '' or they would keep hanging up in my face like little kids instead of addressing the problems. XXXX will print out anything from their computer and claim it as being true when in actuality its a lie, glitch or error. XXXX kept hanging up in my face while saying " Why do you keep calling in? '' I answered " Because you keep hanging up in my face ''. Lastly I spoke with a XXXX representative that refused to give me his name, he said he was from the XXXX branch within XXXX, He identified himself as " XXXX '' which I thought was very strange. The guy preceded to insult me and speak to me with a condescending attitude. The XXXX rep behaved like a child, repeatedly hanging up in my face and joking around on the phone, finally instead of addressing the problem the XXXX rep said He was calling the police on me for harassing and threatening him. He also said he would do everything in his power to keep reporting negative fraudulent things into my credit reports. After he threatened to have me arrested for calling about my problem I knew XXXX was/Is a criminal enterprise! Why does the US Dept. of Education do business with fraudulent criminals? I went to the XXXX police department to check and see if XXXX filed a false police report against me and they said that XXXX could not do that and they wouldn't take a police report on that if they did. XXXX does illegal things when dealing with students/customers and I would like something done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION (PA)

Complaint:
I had a background check done through First Advantage for employment and a XXXX XXXX XXXX is coming up on the report who has a felony. This is not me and almost cost me getting this position. 
It was also brought to my attention that this is showing on my SSN verification as well. 
I would like this removed from my background check

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
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: Bread Financial Holdings, Inc. (PA)

Complaint:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my credit report : XXXX XXXX/XXXX  Balance $ XXXX-Date Opened : XX/XX/2015 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
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. (FL)

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-04-03
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. (TX)

Complaint:
I paid off XXXX XXXX XXXXXXXX. And Experian lowered my score. 

I still see old info from XXXX XXXX that I have not made payments. XXXX! It is paid off! Title is in there as proof!

Experian lowered my scores many times lately. 

Experian accused me for not making any payments when I already had paid on time using autopay with XXXX. Insurance policy was changed from XXXX  to XXXX. Experian accused me for not paying anything. 

Experian so lowered my score after EXPERIAN SUGGESTED ME TO use their matched credit card to boost my score. It backfired and then Experian lowered my scores way down! XXXX off!

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 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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 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 non-monetary relief
Consumer complaint received 2017-06-03
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: Experian Information Solutions Inc. (KS)

Complaint:
My  XXXX  credit bureau was pulled by  XXXX / XXXX  on  X/X/16   . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.

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 2021-08-23
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:
I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accurate to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (AZ)

Complaint:
ON XX/XX/XXXX I submitted a complaint with the CFPB reference XXXX XXXXXXXX XXXX XXXX. XXXX XXXXXXXX XXXX is currently listing an account on credit report in the amount of XXXX dollars. They alleged in the response to have sent me a validation letter mailed to me on XX/XX/XXXX. This letter was never received by me. I contacted the original medical provider and who confirmed with me that I no longer have an outstanding balance on there books. The last service I received from them was on XX/XX/XXXX which is over four years ago. I request that XXXX XXXXXXXX XXXX XXXX provide me with the following response through this portal and mail. Being that is debt they are attempting to collect is a medical one, a signed HIPAA letter by me authorizing the release of my medical records to them. Information related to the transfer of account from the original creditor to them, such as time, date, amount XXXX XXXXXXXX XXXX XXXX bought or sold my account for. I am currently working with a law firm who does pro bono work, and requested the above issues addressed. I have also filed a complaint with the Arizona Attorney General 's consumer complaint unit. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Acquisitions Group (TX)

Complaint:
Account date opened XX/XX/XXXX by Foster & Monroe LLC at an amount of {$15000.00}. This report was not on my credit history before this time. I did contact Foster & Monroe about this on XX/XX/XXXX. I was met with hostility of an employee named XXXX which by the end of the phone call he just hung up. I could not get much information from him due to this. It was stated I got a loan from XXXX XXXX but not stated when. He also informed me there was a judgment in XXXX in XXXX. This I was never made aware of nor was served papers for. I could not get any other information from him because he started an argument and threated legal action towards the end of the conversation before hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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. (PA)

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (MO)

Complaint:
I opened a student loan with Mohela Department on XX/XX/2010, as well as US Department AFSA on XX/XX/2010, my loans have been closed and I 'm still seeing this loan on my credit report and I would these to be removed, the company tells me I ca n't have them removed unless the government removes them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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. (CA)

Complaint:
I have been a victim of identity theft. Please see the attached documents for reference.

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 2023-03-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thank you.

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 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : 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 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 non-monetary relief
Consumer complaint received 2017-11-07
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. (FL)

Complaint:
XXXX XXXX,2017 numerous disputes were sent out to the 3 credit bureau about unauthorized inquiries on credit report. i also sent out certified mail 's to creditors no response. XXXX inquires on XXXX. XXXX inquires on Experian credit report. XXXX inquires on 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 2021-01-15
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. (TX)

Complaint:
COLLECTION, CHARGE-OFF ACCOUNTS APPEARING ON CREDIT CLOSED AND CAN NOT HAVE LATE PAYMENTS. THESE COLLECTION ACCOUNTS MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. 
NOT ONLY THESE COLLECTION ACCOUNTS DOESN'T BELONG TO ME BUT THESE ACCOUNTS ARE IN VIOLATION AND NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT IS CLOSED. 
1. XXXX 2.XXXX  XXXX 3.XXXX  XXXX 4.XXXX/XXXX  XXXX IN THESE ACCOUNTS ARE REPORTING INACCURATE ALONG WITH DATE OF LAST ACTIVITY AND DATE OF LAST PAYMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
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 — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (TN)

Complaint:
Midland Funding is representing that the debt has not been paid. Midland subcontracted the debt to XXXX XXXX and the account was settled. Midland then represents to the XXXX major bureaus that the account has not been paid. Midland also told me that the credit entry would be deleted once it was paid due to their policy that the debt was over 5 years old. The three credit bureaus are not investigating the disputes, they are simply saying that the debt was verified. Experian reported on XX/XX/XXXX that the debt exists. Contrary to the following : Congratulations, your Midland Funding LLC account is now settled! 

For your records, here are the details about your payment : On XX/XX/XXXX XXXX, you made a settlement payment of {$350.00}. You paid with a XXXX with last XXXX digits XXXX and expiration date XX/XX/XXXX. 
We are happy to confirm that this payment settles your balance with Midland Funding LLC. 

Provided that any payment you made is not returned unpaid, we will report to Midland Funding LLC that this account is settled and no further attempts will be made to collect on your account. 

Thanks for working with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. XXXX XXXX XXXX  Open Date XX/XX/ 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