hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
On XX/XX/2020, A Bankruptcy reported on my credit report. A numerous of dispute letters, call, and faxes was sent credit bureau. 
I am writing to dispute the following information that appears on my TransUnion consumer report : U.S BANKRUPTCY COURT Ive contacted the Bankruptcy Court, received letters from the court and forwarded to Transunion stating that the Bankruptcy was not verified as mine. As the debtor has not verified. also, there was no written form of communication, contract, or signature for this accrued debt. A letter without my signature does not validate that his bankruptcy belongs to me. According to the FCRA Transunion has violated my rights as a consumer and Im requesting legal action to remove this public record 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 2023-05-08
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. (CA)

Complaint:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXXXXXX XXXX, DEPT OF EDXXXX XXXX, and DEPT OF ED/XXXX XXXXXXXX. Please delete ASAP.

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 2023-05-24
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. (FL)

Complaint:
EXPERIAN AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT. BELOW ARE THE ACCOUNTS AND INQUIRIES " XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX WA, XXXX. Date opened : XXXX. Balance : {$8900.00} Inquiries : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX ( Bank ) Date Opened : XX/XX/XXXX XXXX XXXX ( Bank ) Date Opened : XX/XX/XXXX XXXX XXXX, XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : 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 explanation
Consumer complaint received 2022-01-28
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. (TX)

Complaint:
I acquired a copy of my credit report and discovered the following item ( s ) to be incorrect ; also, the following are in violation of the Fair Credit Reporting Act ( FCRA ).

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 2023-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

Complaint:
I lived in the apartments XXXX XXXX and one day someone was visiting my apartment and they hit her gate coming in or out. The apartment have video of the person who hit the gate and know that it was not me and also that they were not a resident of my apartment just someone stopping by. I have disputed this debt as well as provided the person who did hit the gate name which is XXXX XXXX she should be responsible for this debt as I explained to the apartments. They have a clear video of this lady hitting the gate and have continued to be a nuisance on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
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:
My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... GENESIS CRDT ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX ... XXXX XXXX that listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want their alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
XXXX XXXX Bank had a balance of {$2700.00} was closed XX/XX/XXXX. Was sent to collections and a law firm named XXXX and XXXX. XX/XX/XXXX I settled with the law firm and made a payment of {$2000.00}. My credit report states I owe XXXX XXXXXXXX {$680.00} however I have a letter from the law firm XXXX and XXXX that the account is settled. This account should be removed as I paid the law firm then settled amount.

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 2016-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (NC)

Complaint:
I received my XXXX degree in XX/XX/XXXX. I began paying monthly installments on my student loan sixty days later. In XX/XX/XXXX, I received a XXXX certificate and I consequently took out another student loan. In XX/XX/XXXX, I was having financial difficulties. I called to see if my payments could be reduced. They said i needed to consolidate my students loans in order to make the payments lower. 
Today, I still owe {$12000.00} and I still need to make 7 more years of student loan payments to this loan. I would have never agreed to consolidating my student loans had I been properly informed by the lender that the lower payments would equal more payments ( extended period of time ) and more interest paid : I would have never agreed to consolidation. I do not feel I was properly informed about the disadvantages of consolidation on the phone at the the time of asking for help with lowering my payments. I feel that I was pushed into the consolidation program without receiving complete information about the program or given time to consider the action. 
Now, I am applying for a XXXX plus loan and my prior student loan history is weighing heavily negatively against me and effecting my chances of receiving my XXXX plus loan. I have been accepted to start an XXXX program in XX/XX/XXXX. I will focus on XXXX and plan to work towards my XXXX after graduation. My student advisor emailed me yesterday : he said if i can not get my XXXX student loan, I should consider not accepting the XXXX program in XX/XX/XXXX. 
I want to become a XXXX more than anything.I was affected by my mother 's XXXX at a young age. I am a single woman and I need to support myself. Additionally, I am my mother 's primary caretaker. I need this XXXX education in order to help the children XXXX reach a healing point. 
XXXX XXXX XXXX University and University 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 2019-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Complaint:
XX/XX/2019 I was access a late fee of {$38.00}. Now in XX/XX/2019, I was access a late fee of {$38.00}. I called to pay my XXXX bill and was told that I owed {$150.00}. Now they have accessed me a late fee on the XXXX bill which isn't due until XX/XX/2019. Hence {$150.00} ... my monthly payment is {$39.00}. Now customer service say they can dismiss the XXXX late fee, ok that should just leave XXXX late fee, which would bring total cost to about {$75.00} for XXXX. Now that should get things on track ... but no they want that access fee for XXXX to bring it current. Now, when I asked about the XXXX bill they say I owe {$77.00}, this is why the late fees total {$78.00} for XXXX and XXXX and the payment being {$150.00} to bring current, why is that if XX/XX/XXXX is not here yet. They keep talking about the total bill going down, of course that will happen if I pay all these fees I dont owe. XXXX bill should not be in picture with a late fee attached if that payment has not come due to XX/XX/XXXX. To me these people are crooks. I dont mind paying but not for them to extort money from me.

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 2019-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (NV)

Complaint:
I recently had my debit card info stolen and charges were made on it without my knowledge. A transaction for XXXX dollars and another for XXXX dollars along with 2 small charges of approximately XXXX dollars. I notified the bank right had card canceled and reissued, i changed the pin and info associated with the card. I then made a claim for the charges. Now 2 very important factors 1 i always use the same machine when pulling money because i am not charged a fee and this fact is provable based on my account 2 I went to the location that it was used and was told that several people had the same issue with their cards being skimmed or cloned and money being taken. The claim i placed to the company they refunded the 2 small charges because i never made them but the two large amounts they denied with no explanation or options for resolution. I think this is a gross injustice to my use of the card. Knowing i had not made charges they refund 2 charges but the other 2 made at the same time they did not. Even after seeing i don't use the card at any other location and that others has had this problem. I don't understand how they can refund 2 charges but not the other two and only chose ones that are of small amounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03
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 reviewed my credit report and noticed someone was using my identity fraudulently. I contacted the credit bureaus and the credit companies, Ive explained that those accounts werent mine and i opened a dispute. The company conducted an investigation but nothing was done to fix the problem.

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 2019-04-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (IN)

Complaint:
My loan with Credit acceptance was being taken out directly from my checking account. My bank removed the payment without notice therefore, I was unaware it was not being paid. By the time I discovered it my payments were behind several months. I have started giving higher payments since then. First payment was {$500.00} & then {$190.00} every 2 weeks. As you can see loan is going down? This is highly affecting my score & very unfair. Please help? 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 2023-04-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management (TN)

Complaint:
I contacted the agency back on end of XX/XX/XXXX to verify debt. I told them I didnt think the debt was mind because the address used at the time I hadnt lived there in a year. I specifically asked for something showing my signature on it to prove that debt owed was mine and they told that wouldnt be a problem. I then contacted them again in XX/XX/XXXX and they said they had sent me a letter which they claimed verified debt but in the letter there was not my signature or any other signature just a doctors name from the emergency room. So I called again to say which is XXXX XXXX XXXX and they said XXXX a supervisor would contact me in 7 days and it has already been 90 days the date of delinquency is XXXX and the other Is XXXX I asked them if that can at verify debt to remove the debt from my credit profile and they havent. Fox collections is the name of the Agency and one debt is for XXXX and the other is for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Complaint:
one XXXX XXXX XXXX account number XXXX date opened XX/XX/2004 is reporting under my equifax credit file, which does not belong to me, this is an inaccurate information reporting under my name on my equifax only. they have not disputed properly for this inaccurate account to be removed every time o call they are not helpful. i am tired and not know what to do. i am trying to rent a place and it has been giving me a problem, this does not belong to me, please have equifax to remove this account from my credit file thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
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. (VA)

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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: Experian Information Solutions Inc. (PA)

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK ) 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 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
Should Not Reporting On My Credit Report Under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681 ( 5 ) this acoount in violation not reporting 100 accurate it list the child support court as the furnisher thats forgery and misleading when the courts don't report this type of account should not be listed on my credit report I've never did any business with that company i did not authorize this account. List of other companies 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 2022-11-18
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. (CA)

Complaint:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$530.00} ; XXXX & XXXX XXXXXXXX Balance Owed : {$940.00} ; XXXX XXXX Balance Owed : {$5400.00} ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
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. (NY)

Complaint:
I recently noticed that Experian had added an ( AKA ) name, XXXX XXXX XXXX, I am not now nor have I ever been XXXX XXXX XXXX. I have never been known or called anything other than my name which is XXXX XXXX XXXX, short for XXXX XXXX XXXX. Rather than back up or prove their erroneous action they insist I prove my innocence. Exactly how does one prove they have never gone by a different middle name? This is absolutely ridiculous

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 2023-04-14
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. (IL)

Complaint:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start 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 2018-09-18
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 — Their investigation did not fix an error on your report
Company: FACTUAL DATA CORP. (CA)

Complaint:
This company ran a credit check on my without my consent or authorization. I have no idea who they are or what this was about. I disputed it but they did not delete it off my credit history with each of the three credit bureaus. This should be deleted off my credit report on / with each of the three credit agencies immediately as it was unauthorized. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Colony Brands, Inc. (AR)

Complaint:
XXXX XXXX keeps ignoring my request to discharge debt as fraudulent debt the charges are fraud related. and stop calling my cell and family cell numbers.FURNISH COLLECTION AGENCY INFO.

Company response to consumer: Untimely response