hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Complaint:
I disputed this account with all three credit reporting agencies. After reviewing my consumer report this account is still showing inconsistencies and inaccurate information. 

The amount {$7700.00}

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 2017-09-08
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. (PA)

Complaint:
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. This occurred at some point fromXX/XX/XXXX with the news being broken on XXXX XXXX, XXXX. 

Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. 

As of XXXX XXXX, XXXX ( when I last had my own free credit report generated by all 3 credit bureaus ), my personal line of credit and identity do not appear to be compromised. However, if the hack occurred within the last few months, the sensitive information will likely be sold to identity thieves and used some months after the incident. 

Equifax, up until this point, has only offered to have customers run their last names and last 6 digits of their social security numbers through a web page on their website to determine if the customer has been impacted. According to Equifax 's website, I was impacted by the hack. They are offering credit monitoring, which I am denying, because I do not believe they can provide quality service in a secure fashion in any agreeable manner. 

Thus far, I created a fraud alert through XXXX XXXX website for the next 90 days, and will continue to reactivate that fraud alert for the foreseeable future once the alert expires. In addition to that, I am paying money out of my own pocket to protect my information from being used to open lines of credit. I am creating a credit freeze with all 3 credit bureaus after filing this complaint.

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: 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. (MI)

Complaint:
Ive been submitting disputes to Experian credit bureau since XX/XX/2023. This company has failed on multiple occasions to provide proper documentation for 3 accounts listed on my report & falsely claiming they are verified. The other 2 credit bureaus removed the unverified Items & Experian keeps claiming that Im not the one filing disputes. They are being lazy & not properly Investigating two XXXX XXXX accounts as well as XXXX  XXXX. PLEASE INVESTIGATE MY CONCERNS 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 2021-12-13
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: Experian Information Solutions Inc. (NC)

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2020-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I submitted a dispute to Transunion on XX/XX/2020. I did not receive a response until XX/XX/2020.

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 2023-03-28
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. (IL)

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Place XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1984 I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX CO XXXX {$12000.00} XXXX XXXX XXXX {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Penn Credit Corporation (FL)

Complaint:
XX/XX/2023 I have been receiving a high volume of solicitor phone calls from debt collectors PENN CREDIT CORPORATION and attempt to collect a debt that I believe that I have not have Permissible Purposes FCRA 15 U.S.C. 1681 b Per FCRA Consumer have the rights Penn Credit Corporation committed acts of violations of the FRCA In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 
15 USC 1692 Section 806 Section 5 Causing a telephone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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. (OH)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$19000.00}

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 2022-01-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (FL)

Complaint:
I thought I was paying for goods and services from the XXXX XXXX XXXX. I immediately realized I had been scammed over the phone and tried calling Suntrust ( Truist ) bank to cancel the XXXX transaction. I was on hold and couldnt get through so I drove directly to the bank. They told me I couldnt handle it there and to call the XXXX number and gave me the number to customer service. I explained I wanted my account either frozen or shut down as I didnt want this transaction going through. They said I had to call the customer service line. I explained the time may run out that i have already been trying to get through so this is why i came directly to the bank. I called immediately again but they seem to be short staffed so I was put on hold. After XXXX on hold I drove to another Suntrust ( Truist ) bank trying to get immediate help for canceling the transaction. In that bank I remained on hold and the suntrust employee and I sat in her office as she also tried calling. After she was on hold too for XXXX she told me the pending transaction went through even though it still said pending in my account. I was still on hold with my phone still and she told me to stay on hold and speak with the fraud/claims Dept for a possible refund since it still showed pending. After being in hold for XXXX someone picked up and transferred me again. It wasnt until XXXX of being on the phone that someone picked up and told me the transaction went through and it was too late even though it still was showing pending. I explained that if I hadnt been sent to 2different banks, been on hold XXXX for this phone call and almost XXXX prior, and also tried calling right after it happened which wasted an extra hour of being on hold again I wouldve been able to cancel it in time. I never received the services I thought I was paying for. It was a scam and because it took me close to XXXX to get someone on the phone to cancel the transaction, they say it cant be cancel and I lost the money. I feel this isnt right and I shouldve been protected. If I had access to actually speak to some right away, it wouldve been canceled in time. Again it still hasnt been resolved because they wanted to transfer again back to the claims dept. They bounced me around on the phone for XXXX and bcuz XXXX couldnt speak to anyone, I missed the transaction time frame period. Although it was a scam I was under the assumption that it was service via XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX ) and they were threatening to cut my electric within the hour. Please help me rightfully get my refund from Truist Bank.

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 2022-11-04
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. (NC)

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-08-25
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: Experian Information Solutions Inc. (WA)

Complaint:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-11-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Complaint:
On XX/XX/XXXX of this year, I received notification that a collection account had been added to my credit report by Midland Credit Management for a debt supposedly originating on XX/XX/XXXX, which was said to have been a debt they bought from XXXX XX/XX/XXXX, with whom I have never done business. XXXX XXXX  confirmed this debt referred to an inaccurate debt with XXXX that I successfully challenged in XXXX with an actual last reported date of XX/XX/XXXX, fully 10 years before the date implied on the reported account. I further learned that XXXX XXXX  bought XXXX recently and sold off this account to Midland Credit Management and had no knowledge of the XX/XX/XXXX date origination. As a result, I challenged the debt with XXXX  noting that Midland Credit Management violated Fair Debt Collection Practices Act 807 ( 2 ) [ a ] by fabricating a non-existent account opening date with which XXXX  agreed and Midland Credit Management was forced to remove the fraudulent item from my credit report ( screenshot included ). 

I hadn't heard anything more about it until XXXX of this year when I received a threatening letter from Midland Credit Management ( also included ). In this letter, they again violated Fair Debt Collection Practices Act 807 ( 2 ) [ a ], this time indicating the date of the debt origination to be XX/XX/XXXX. In addition to this, they have also violated Fair Debt Collection Practices Act 807 ( 5 ) by threatening me with an action they can not legally take ; in this case manifesting itself with a threat of legal action many years after the expiration of any applicable statute of limitations. 

At this point, I wrote a letter demanding they verify the debt per my legal rights and sent it via certified mail on XX/XX/XXXX ( receipt and letter included ). It has been over three months now and they have refused to answer my request thereby violating Fair Debt Collection Practices Act 809 ( b ). However, They attempted to call me again at XXXX XXXX EST and again today at XXXX XXXX EST, which they are also forbidden to do until they have responded to my request to verify the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
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. (MD)

Complaint:
XX/XX/22 I reached out to Equifax to investigate the inaccuracies reporting on my consumer report. 
Equifax verified the account information although I have proof that they are wrongly reporting. 

I know you have many cases so they may have overlooked things but please remove XXXX XXXX # XXXX for the following inaccuracies Date of last activity Date reported Date opened and everything else highlighted in my attached picture

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: EQUIFAX, INC. (FL)

Complaint:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MS)

Complaint:
Equifax is reporting erroneous information on my credit file. Equifax has refused to properly investigate my dispute and provide me detailed documentation, and DELETE this incorrect item from my credit file. 

Equifax is refusing to delete the following erroneous item from my credit file : Chapter XXXX Bankruptcy I filed this dispute with Equifax online on XX/XX/2020 and less than 24 hours ( XX/XX/2020 ), I am being told it has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
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: AES/PHEAA (NY)

Complaint:
XX/XX/XXXX - sent letter to all 3 credit bureaus and XXXX XXXX ( creditor ) disputing loan balance and payment history XX/XX/XXXX - send 2nd letter to all 3 credit bureaus and XXXX XXXX ( creditor ) disputing loan balance and payment history Both instances where letter was sent, the only response I received was " verified ''. 

Currently that is the only response i received from anyone regarding my issue since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
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: EQUIFAX, INC. (WA)

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
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. (UT)

Complaint:
While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.

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 2022-11-29
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. (NC)

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 XXXX 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 2022-11-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Synergetic Communication Inc (LA)

Complaint:
This company has called my phone multiple times under different phone numbers and using different agents requesting that I confirm my name, address, and DOB. When I requested why the need for my personal information, they only state that it is a " personal matter between myself and my mom ( they use her given name instead of stating XXXXyour mom ' ) ''. Due to security risks, the very vague answer, and being unfamiliar with their company, I blatantly refused to provide any information unless they will tell me what the so-called personal matter is. They also threatened to call my mom. I refuse to allow my mom to be harassed by them as scammers have called her in the past resulting in her having panic attacks. They have also been known to call during my standard work hours of XXXX to XXXX which puts my job at risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Complaint:
previously disputed XXXX BANK, account with a balance of {$2100.00} because its factually disputing incorrectly on credit report. I strongly disagreed with the results. XXXX is reporting account type open with comments stating collection account yet payment history XXXX as agree all the way. XXXX is reporting account type installment and account type detail Debt buyer with consecutive charge off all the way from XX/XX/XXXX through XX/XX/XXXX. XXXX XXXX reports account open with no data on payment, history. Date last active for XXXX reports as XX/XX/XXXX while XXXX XXXX report XX/XX/XXXX and XXXX reports XX/XX/XXXX. There is no way that account can be reported as open with XXXX bureau while the other bureau is reporting collection and theres definitely no way that account can be reported open and being in collection yet perfect payment history all at the same time. Account is a total mistake itself. There is no way that all three bureaus can be right if information is coming from the same furniture data.

Company response to consumer: Closed with explanation