hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (MI)

Complaint:
I could not select the proper option from the list, so I apologize for that. There was not a category that addressed this issue. 

I have struggled over the years to get inaccurate information removed, but that is a conversation for another day. My main issue right now is that a few weeks ago I paid off my home mortgage with a lump sum payment. 
As a result of this lump sum payment, my credit score decreased significantly. I believe the scoring systems to be completely fraudulent for punishing a person for paying off a loan early. This is counterintuitive. Paying off an item early should should responsibility, discipline, and high creditworthiness. Punishing for paying off early due to the " longest credit line '' scoring factor is abuse of power. 

In addition, if someone pays off credit cards every month and does not maintain a balance, this should not have a negative impact on their credit score. Currently, It does. People are given higher scores if they keep a small balance on their credit card and just make minimum payments. This is another counterintuitive scoring technique. Isn't the person who pays off their balances every month more credit worthy than those who do not? Leaving a balance and just paying the minimum payment costs the public a tremendous amount of money every year as they are trying to get better credit scores. 

I believe these two items, along with many others is unjust and preys on individuals by lowering scores and making it difficult to obtain credit at good rates when they should be considered highly credit worthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
After being attacked with fraud towards many of my accounts I decided to pull my credit report after filing multiple fraud reports. I have been a XXXX patient during the times of these inaccurate and impermissible inquiries. The dates of address, phone numbers, bank cards, employment history, educational loan status is not right. I believe as it was explained to me by my advisors that my right has been violated under the, - FCRA Violations, Section 609 Stipulations, 15 USC 1692, 15 USC 1602, 15 USC 1601, and 15 USC 1666 are all in the investigation report received from TransUnion and its third-party consumer investigation. I took the necessary steps with locking my accounts and reporting these fraud attempts. My TransUnion file number is in my report. 

Thank you for your help.

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 2017-08-25
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: Experian Information Solutions Inc. (NC)

Complaint:
According to the Fair Credit Reporting Act ( FCRA ), past due accounts can only remain on your credit report for seven years from the first date of delinquency. My account with XXXX XXXX XXXX become delinquent on XX/2010. The first date of delinquency is in excess of seven years ( 7 ) and should be removed from my credit report. In addition, a collection agency, XXXX XXXX XXXX, fraudulently re-aged a past due debt, making it look like the account became delinquent later than it did. The account has actually been past due in excess of seven years and is also required to be removed. I have filed disputes with the respective credit repositories -- but both accounts continue to be listed as negative / outstanding items on 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 explanation
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Complaint:
I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.

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 2022-11-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Complaint:
I submitted a dispute with the XXXX XXXX, Equifax, and XXXX concerning 2 bankruptcies on my report each one one came back verified. But I reach out to each company to see how it was verified and how was it verified I got no response from them. Im requesting form each company to delete this from my file if they cant provide me with Tia information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NC)

Complaint:
I had a credit account open for several years with Wells Fargo, currently with no balance. Periodically I would check my online account with them just to insure there were no unauthorized charges and everything looked ok. I tried logging into my account and had to " try again later. '' I tried the next week and got the same message. I thought that maybe the site was down for maintenance when I was trying. After the third attempt on a different occasion, I phoned Wells Fargo and was told that my account had been closed because I hadn't used it in 18 months. I had no notice whatsoever, either regular mail or email. 
I told customer service that I wanted my account reopened. I was told they would not do that. I asked for her supervisor, then the next supervisor. I got a letter dated XX/XX/XXXX ( copy attached ) that stated that they would not reopen my account. 
In the meantime, I checked my credit report, and they had falsely reported my account " Closed by Consumer. '' Of course that lowered my available credit and showed that I was using a higher percentage of same, and it lowered my credit score. I filed a dispute with XXXX  stating that I DID NOT CLOSE my account. The result of the dispute came back showing no difference. I am adding a statement to my credit report that Wells Fargo LIED about my account 's closure. 
I received a letter dated XX/XX/XXXX ( copy attached ) and it stated " The account will show as closed by customer, as the reason for closure is the customer not using the account for eighteen months. '' I received NO notice of closure, or perhaps I would have used the card for a pending project. I looked over my last statement and could find NO MENTION of a closure possibility. I received NO Mail or NO EMAIL informing me of this situation. I received a letter dated XX/XX/XXXX ( copy attached ) informing me of revised terms. It only listed Revised Penalty terms and privacy notices. NO MENTION OF PENDING ACCOUNT CLOSURE, Please see the Wells Fargo article published in the XXXX XXXX  on XXXX. It states that " Account holders were given a 60-day notice of the closures '', and I absolutely received NO NOTICE. 
It is appalling that Wells Fargo can get away with reporting the LIE of " Closed by Customer. '' This should be against some ruling for reporting false information. I would liked to see them fined into oblivion.

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 2023-07-21
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. (TX)

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 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 2022-10-25
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. (NJ)

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 : 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 2023-08-02
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 noticed on my credit report that I have several unverified and unauthorized inquires that must be removed. I have contact XXXX, XXXX, and Equifax regarding these unauthorized Inquires this would be my third time reaching out to them regarding the same matter. These are not my inquiries and according to the ( FCRA ). Legally these unverified and unauthorized inquiries must be removed. I've listed each unverified and unauthorized inquiries below for XXXX, Equifax, and 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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 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 a 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 2022-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

Complaint:
My account is new. 2 checks got deposited one of them bounced back the 1st 1. The 2nd one cleared I have the money in my account my account is not closed And there's no way I could touch it or use it is it and when I call a bank the they keep giving me the back-and-forth run around. I Have your family and have bills to pay and it's not fair that I can not touch my money

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 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

Complaint:
I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need these items deleted from my credit report : XXXX XXXX XXXX, XXXX  XXXX. Inquiries : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  I have contacted my local police and the FTC. I am doing this on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
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 have asked for validation of these inquiries and audit trail for them and they have failed to do so. 

please remove these errenous credit inquiries from my credit report immediately!

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 2022-04-22
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants and Medical Credit Corporation, Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

Complaint:
This was not sent in error XXXX XXXX XXXX consumer by law at XXXX XXXX XXXX XXXX XXXX  misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
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. (MI)

Complaint:
In accordance with the Fair Credit Reporting 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 customer Reporting agency cannfurnish a 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 explanation
Consumer complaint received 2022-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX account number ending in 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.

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 2017-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I have recently obtained my credit report, and I have found fraudulent account OFFICE OF THE ATTY GEN #  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 2021-09-15
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. (FL)

Complaint:
On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report. On XXXX XXXX the agency sent a letter stating they had completed their investigation and the items were not deleted, as requested. This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect. I feel like I'm being taken advantage of of and being ignored by my disputes. I demand these accounts be deleted immediately or I will file for ligation due to the stress they have cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
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. (SC)

Complaint:
I have many inquiries on my credit report showing that is not mine. I reached out to the consumer reporting agencies numerous times over 60 plus days. Letting them know that these inquiries are not mine, fraudulent, and unauthorized by me. I ask for proof and validation of these inquiries, and they refuse to send me validation only stating that it's verified. I know they haven't tried to investigate these inquiries because they are not mine and is a violation under 15 USC 1681b ( 3 ) i want them removed immediately.

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 2022-01-06
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. (FL)

Complaint:
I requested proof of debt on XX/XX/2021 of a debt XXXX reports I owe. 

I demanded copy of agreement, and none was provided. 

XXXX sent the attached letter dated XX/XX/2021, did not addressed the request, yet continues to report false information on my credit. 

Pursuant to the FDCPA ( 15 USC 1692g Sec. 809 ( b ) ), I am entitled to receive a copy of any credit card agreement and a statement of account when I request it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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: Fidelity National Information Services, Inc. (FNIS) (SC)

Complaint:
I got denied a checking account because of my chex systems credit score... etc. 

XXXX XXXX XXXX denied my application for a checking account Because of my chex systems 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 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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

The letters are stated with items and issues. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress