hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-09-22
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. (OH)

Complaint:
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine US DEPARTMENT OF EDU Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine US DEPARTMENT OF EDU Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : 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 2017-03-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (OK)

Complaint:
I cancelled my XXXX service after 30 days due to non performance and numerous service calls. I have NO signed contract either ohysical or electrnic with them. They firgot that oart and I signed up by phone. I requested several times they pick up their equipment and they have ignored these requests. They have placed it for collection. An " early termination fee of {$400.00} and non return of equipment {$90.00}. I have NO contract to terminate " early '' This is merely a greedy attempt to get money for a service that was cancelled because they did not provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$240.00}, XXXX XXXX Balance : {$1600.00}

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 explanation
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (SC)

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. 

FOR 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2023-01-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

Complaint:
The debit collector has called my landlord acting like my friend and causing us to have to move. The debit collector had called friends and family members about a debit and has harassed my friends, family to the point I have lost friendships and family due to their actions. They continue to call my old job even when the manager has stated I dont work there anymore. I feel this debit collector is out for me due to they keep finding old debits and are constantly taking me to court and harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EdFinancial Services (FL)

Complaint:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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:
inquires are showing up on my credit report that was not authorized by 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 non-monetary relief
Consumer complaint received 2023-02-12
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: Experian Information Solutions Inc. (TX)

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15U.S.C 1681 section 602A states I have the right to privacy 15U.S.C 1681 section 602A section 2 : it also s a consumer reporting agency can not furnish a account without my written instructions 15U.S.C 1681 ( a ) 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information any and 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 16812 ( A ) ( 1 ) A person shell not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason 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 explanation
Consumer complaint received 2021-02-26
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: Experian Information Solutions Inc. (NY)

Complaint:
I am a victim of identity theft, as I have already notified Experian of this information thru my membership with them.

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 2015-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (AL)

Complaint:
Have not received any written notices called them after they put on my credit report no Mini Merada and no verification of debt..was told they did not have to verify and how would I like to pay now over the phone.Then they took it off my credit and then put it back on still no notifications

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Collection Agency LLC (NE)

Complaint:
On XX/XX/23 and XX/XX/23 Yesterday XX/XX/23 I received notice from the collection agency that I owe 2 debt 1 from XX/XX/23 for XXXX from XXXX XXXX XXXX and on XX/XX/23 for also XXXX and also from XXXX XXXX XXXX no action as been taken by me at this time because I don't know what these debts are for or why I even owe these debt I also don't know who they are for either because I was never at the above company during the above dates so don't know why I have been sent to collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
CRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The block must be no later than 4 business days The information is fraudulent.

The block wasnt made in error and I never received goods or services. Its identity theft. Plain and simple. These was someone using my identity therefore its fraudulent and must be removed or the next step will be to sue the consumer reporting agency who is violation the FCRA. 

The other major consumer reporting agencies immediately removed and blocked the fraudulent accounts when proper documentation was received which is what XXXX received. Maybe they arent familiar with XXXX or dont care about it but they are violating it nonetheless

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
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. (MN)

Complaint:
This is XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ARVEST BANK GROUP, INC. (AR)

Complaint:
I was working in XXXX Florida from XX/XX/2023. I traveled from XXXX Airport, through XXXX XXXX Airport , and then to XXXX on XX/XX/2023. 
On XX/XX/2023, I received a text notification from XXXX XXXX that a charge was made to XXXX XXXX XXXX XXXX XXXX Florida for {$2700.00} and another one for {$300.00}. I got on the XXXX app on my phone and saw the fraudulent charges, which I disputed both at that time and requested the credit card locked and to have a new one sent to my home address. I let them know it was not myself or anyone else in my family and that my credit card was in my possession so somehow the scammer had my credit card number. 
I then, from the XXXX App, reset my password and was sent a message through the app that the new password had met their requirements. However, I noticed they misspelled the word and by putting " requirments '', leaving out the " e ''. I contacted XXXX XXXX XXXX XXXX on the phone number on the App, and when the person answered, with very broken English and a lot of noise in the background, and requested my SS #, I hung up. I then looked at the back of my credit card and called that number for the Fraud department. The text I had received earlier about the 2 charges was indeed XXXX, however, the scammer somehow got into the App, and I did report this to XXXX. Also, the following day I received another text, from the exact same number from XXXX that another {$5000.00} had been charged, but when I called XXXX, they stated that wasn't true, but the scammer had gotten their text number. Then on XX/XX/XXXX, I noticed 2 charges on our Health Savings account card for {$610.00} and another for {$120.00}. We notified that company, and they opened a fraud report. Then on XX/XX/2023, I noticed 8 drafts on my checking account that totaled, {$3100.00}. I contacted my bank right away and they canceled my debit card and issued a new one. I went to my bank the next day and disputed each charge. The drafts were to the following on my checking account at Arvest Bank, XXXX XXXX XXXX XXXX {$50.00}, XXXX XXXX {$7.00} and {$14.00} XXXX XXXX {$240.00} XXXX XXXX XXXXXXXX {$44.00}, {$1000.00}, and {$1700.00} XXXX XXXX XXXX {$36.00} With all the fraudulent charges, I was in possession of my credit card, HSA Medical savings card, and my bank card, so I am not sure how they got into these accounts. 
I was staying and working with a new hotel, and I think someone could have gone into my room and taken pictures of the cards in my purse that was left in the room during my work hours but hidden. I did notify the hotel and they stated they would have the locks read, however, they have not received a response from their lock company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

Complaint:
There is a company called " XXXX XXXX XXXX XXXX reporting a collection amount of {$880.00}, and they are NOT reporting this account accurately, because it is reporting on my credit report under a middle name spelled " XXXX ''. That is not me and that is not my name, and I don't remember this alleged debt, and they are NOT suppose to be reporting late payments, because this account is labeled as a collection. Even though they are reporting late payments for the month of XXXX, XXXX, and XXXX of XXXX. Also, I sent a validation letter to this account on XX/XX/XXXX. This company was NOT able to validate this account. It has been very stressful and I have even sent an " Affidavit of Truth '' along with a " Cease And Desist letter on XX/XX/XXXX and they have had plenty of time, over 30 days ago to fix this problem, but they STILL haven't. I also sent a " Reinvestigation Request Letter '' to " XXXX '', " Equifax '', and " XXXX '' on XX/XX/XXXX and I STILL have not received any reply from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
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: EQUIFAX, INC. (ND)

Complaint:
I have previously disputed with XXXX XXXX  and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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: EQUIFAX, INC. (FL)

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 2019-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCC Business Services, Inc. (NV)

Complaint:
My monitoring service is reporting a fraud account from NCC BUSINESS SERVICES in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC reporting a debt of {$2500.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
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. (AZ)

Complaint:
The HELOC is a secured loan on a property that was foreclosed. The foreclosure date is XX/XX/2012. I stress that the delay in recording the trustees sale is a manipulation of how their items is reporting to the credit bureaus and is a violation of the FTCs Fair Credit Reporting Act guidelines as this is not reporting to your credit fairly or accurately.

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