hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-01-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2017-12-18
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: Experian Information Solutions Inc. (TX)

Complaint:
XXXX- no knowledge of account in violation of HIPPA and CRA

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 2021-03-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
I have personal checking Acct ( ACCOUNT XXXX ) and DBA Business checking Acct ( ACCOUNT XXXX ) at CAPITAL ONE BANK. 
Account 1 had a balance of {$8300.00} Account 2 had a balance of {$5600.00} Total available at the Bank was {$14000.00}. ( Attachment 1 ) The Bank froze my accounts, denying my all scheduled payments- and claimed my Accounts were under investigation ( BY THE BANK. ) ( Attachment 2 ) They weren't forthcoming with any information even after in person visits or through phone conversations. Since XXXX XXXX. However, I could still review my accounts online. 
Suddenly, my online balance, went to {$0.00} and showed withdrawal. ( Attachment 3 ) Again I visited a Branch in person to find out where my money was, who did the withdrawal. The Bank provided numerous and different places my balance money was sent to. the bank claimed my money was sent to Secret Service, FBI, IRS and finally SBA. No agency had a report of the money. 
On XXXX I received a Letter dated XXXX that the Bank CLOSED my account and WOULD BE SENDING CASHIER 'S CHECK. ( Attachment 4 ) As of XXXX NO CASHIER '' S CHECK has arrived. I have contacted Bank on several occasions and again been told- " It was sent to SBA '' however, SBA hasn't received any CHECKS from the Bank . 
CAPITAL ONE BANK HAS BASICALLY STOLEN MY MONEY! I tried filing a Police Report for my money but XXXX County Sheriff Office refuses to write it up. 
RESOLUTION BE PROVIDED MY {$14000.00}. STOP THE ABUSE/THEFT FROM THIS BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
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. (CT)

Complaint:
I contacted XXXX XXXX regarding the inquiries listed on my credit report that were not authorized and done by myself on X/XX/2017 and they explained that I needed to contact them in writing to dispute them. On X/XX/2017 I did contact them via mail and rquested that all inquiries be removed at once because they were not authorized to pull my credit and I have n't applied for any cards with this bank. XXXX XXXX never responded to my initial written request so again I called the TransUnion X/XX/2017 and again on X/XX/2017 to explain the situation once again looking for some type of resolution and was told to call the creditor that there was nothing that can be done without written letter stating they ( XXXX XXXX ) wanted the inquiries removed. I decided that I would again send out letters as well as contact the CFPB to notify you of this situation as well as send out a second letter to the creditor as well as a letter to the bureau for each unauthorized inquiry from XXXX XXXX although I was told that nothing would be done without written permission to be removed from the creditor. I find it very upsetting to have my credit score impacted by inquiries I myself have n't done and to have the bureau and XXXX XXXX just " bounce '' me back and forth between the two of them I ca n't seem to get to a point of resolution please help me resolve this matter because I have exhausted all attempts 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 2021-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (IA)

Complaint:
I was a victim of a scam a company name XXXX took XXXX out of my accounts I filled a claim with my bank and the bank denied the claim Wells Fargo

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 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

Complaint:
XXXX XXXX XXXX XXXX XXXX Has Violated My Rights 15 USC 1681 Section 602A States I Have The Right To Privacy 15 USC 1681 Section 604A Section 2 It Also State A Consumer Reporting Agency Can not Turnish A Account Without My Written Instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
TransUnion was incorrectly reporting my account with XXXX XXXX XXXX XXXX as closed, even though it is open and active. On XX/XX/2018, rather than correcting the error, the account was deleted. I am a co-applicant for the account.

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 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I recently looked over my credit report and I noticed some inaccurate accounts that are reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of those accounts. I also have no understanding of how or who could have access to my credit. Now because of this issue, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have these derogatory accounts removed from my credit file.

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 2023-08-29
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: Experian Information Solutions Inc. (TX)

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (TX)

Complaint:
Consumer Adjustment Company , XXXX illegally re-aged an old debt that is past the statue of limitations and has failed to provide paperwork to validate the alleged account and/or debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
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: Thaxton Investment Corporation (TX)

Complaint:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SIMM Associates, Inc. (AK)

Complaint:
XXXX XXXX keeps calling after I have asked her to stop. I told her to only call a certain number & then to stop calling all together. She has been calling without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (NC)

Complaint:
There are 3 Credit Ratings Companies ( Top 3 ) all give me a credit score from XXXX to XXXX out of XXXX. Now it is very puzzling when they decide to give someone a credit card, why they fail to use the credit score? Or why they refuse how good this guy credit rating is? 

when I go buy a car, They tell me your credit score is in 5 percentile and very good. 

I have had business both personal and corporate with Wells Fargo BanK long before that started with XXXX XXXX XXXX XXXX NC and then Wachovia Bank, all of these are now within Wells Fargo Bank. So there is a clear knowledge base for the company to make decision. Nothing more important than the Credit Score which clearly show the character of the person getting the credit card. I had never had a returned check through out the 50 years of work experience and never failed to pay my bills, if they were mine, and not paying them ontime. 

The excuse they bring is " you need to do things to improve your credit score ''. This clearly show the persons who is actually reading and sending out these letters are not highly qualified people. 

The only plausible explanation is the pure prejudice because of my XXXX name, which by itself does not necessarily determine the character of the person. 

I would like to send you the two letters I received from these folks and you would explain how this can be anything else other than prejudice. 

The letters provide details needed, I did not include those details here. 

Please allow me to know how I can send you the letters from Wachovia. 

Sincerely

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 2022-07-04
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. (OH)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX Account XXXX XXXX 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 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 2023-03-29
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. (NC)

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX  XX/XX/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 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Complaint:
my accounts XXXX account number XXXX date opened XX/XX/XXXX and XXXX XXXX account number XXXX date opened XX/XX/XXXX, are reporting one late to credit reporting agencies. which are inaccurate, so please have these inaccuracies removed especially when i have the creditors letters as approval to do so. 
thank you for your cooperation please find attached the creditors 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 explanation
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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: Helvey & Associates, Inc., Warsaw, IN Branch (NY)

Complaint:
Helvey Associates are reporting a fraud account on my credit. I didnt open this account nor did I utlize it. Someone used my personal information to open an account that eventually was transferred to Hevel Associates. I paid Helvey Associates {$100.00} with the agreement that this account will be remove from my credit. Despite the payment the account is still reporting. This account was NOT mine in the first place and thus I am requesting the removal of this account from my credit. Please see the attached FTC report and my driver license and remove this account from my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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. (NJ)

Complaint:
This is my fourth endeavor 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 XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on 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 2023-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
Deposited {$500.00} on XX/XX/XXXX from my XXXX  checking account through ACH debit Deposited a {$30000.00} check on XX/XX/XXXX at Capital One ATM branch at XXXXXXXX XXXX XXXXXXXX, XXXX  branch Current Online checking deposit shows the amount of {$30000.00} balance including interest paid by the bank On or about XX/XX/XXXX, I tried to call the number the bank gave online which is XXXX because the bank says that there is a problem with my deposit. I requested to speak with a bank representative on that number but the automated call only instructed me to leave my number and they are going to call back. The bank never called back and I repeatedly called them with the same result. Alarmed, I went to the bank ATM branch at XXXXXXXX XXXX XXXX XXXX to directly speak with their branch representative in person. The bank rep was able to finally get hold of the banks rep and the bank rep told me that they have decided to close out my checking account and that they will send me a check. It's been almost a month now and I have not received the check yet from my closeout account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Business & Professional Collection Service Inc (AZ)

Complaint:
The collection agency is attempting to collect a utility bill that was discharged in bankruptcy ( District of  Nevada # XXXX ). I have disputed this numerous times on credit report & the company still reports it as a collection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
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: SYNCHRONY FINANCIAL (NY)

Complaint:
Syncb/Walmrt inquiry from : XX/XX/XXXX est date of removal : XX/XX/XXXX this is a result of identity theft. 
i paid XXXX XXXX & the credit people to deal with this.

however, This Hard Inquiry is still 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 non-monetary relief