hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-05-13
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. (AR)

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, the incorrect information was sti
ll found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to EXPERIAN, XXXX XXXX XXXX XXXX  XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries and accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Complaint:
on XX/XX/2020 I wrote to Experian and XXXX  credit bureaus regarding some suspicious accounts reporting on my credit report. i also tried contacting the business that is reporting this information but XXXX  and Experian do not have any numbers or addresses listed on their credit report so i can contact them. Experian and XXXX  are reporting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (FL)

Complaint:
An dispute letter was sent on on XX/XX/XXXX and I have not received an respond. It surpassed 30 days and no update so I mailed an second letter to delete XX/XX/XXXX, however the consumer served me court documents XX/XX/XXXX. Clearly they received my updated information because it was on the first dispute letter. This item is to be removed. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Closed. {$1500.00} written off Original Creditor : Balance : {$0.00} Highest Balance : {$1500.00} Explanation of item being disputed : The account/item is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Complaint:
I applied for a credit card with capital one on XX/XX/19 over the phone, in doing so the representative that did the application did not disclose all the information of the process of the application. I was not told that my credit would be pulled from all three credit agencies. I called back in to inform them of the situation the same day because I have a credit monitoring service that alerted me of this. The person at capital one told me I can call in to have them removed or to redo the application. I told him that I didnt want to do the application again because that would put more inquiries in my credit reports. I called in on XX/XX/19 to see about getting them removed and was told by a supervisor name XXXX that my credit was not pulled but that was not true and I read her off the proof that came from the credit service. We went back and fourth about it until I asked to speak to someone else. The person I spoke with said that he seen the inquiries on my credit reports and there was nothing he could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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. (GA)

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have 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 items that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00}

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 2020-05-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

Complaint:
This debt is not mine I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity thef I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform me that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
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. (PA)

Complaint:
I want you to delete this account from my credit report. This account is not mine, i would never ruin my credit this way. Its affecting my everyday life, I'm not able to get insurance or anything. I already try to fix it with the store and they told me they cant do nothing about it and i believe this is very unfair. to have to pay for something that's not mine.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX. : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2020-07-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (OH)

Complaint:
XX/XX/2020 my leased vehicle was involved in an accident which resulted in a total loss of the vehicle. The lease was with Honda Financial Services ( HFS ). HFS was notified by my insurance company of the loss and payment was made to HFS by my insurance company. HFS continued to process the monthly payment on the vehicle for the months of XXXX and XXXX even though they were aware the vehicle was a total loss. The last billing statement I received for this vehicle was in XX/XX/2020. The statement indicated {$0.00} due and I believed this account was settled with my insurance payment.On XX/XX/2020 I received a notice from HFS indicating my lease had expired and I was in default of the lease. On XX/XX/2020 I received a notice from HFS indicating they wrote off my account and sent it to a debt collection company. I tried to access the account on the HFS website, however, all access to this account has been denied and I was referred to Customer Service. When I spoke to a Customer Service Rep and requested to escalate my call to a Manager, I was denied and eventually hung up on. I believe that HFS violated several consumer protection laws in not allowing me access to my account, taking negative action against me without notice and not allowing me to dispute and/or resolve my concerns with the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Complaint:
In accordance with the FAIR CREDIT REPORTING ACT the following collectors are in violations of my rights as an consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also FRAUDULENT INQUIRIES FROM ALL Credit Bureaus. I have provided an FTC identity theft report with the inquiries! 

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. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC (NY)

Complaint:
This alleged debt was created and contracted with my employer I have no responsibility or obligation to pay this alleged debt, because this a workman s comp case. The responsible party is my employer XXXX medical claims. This company has being harassing me and still have not contact the responsible party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
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 — Investigation took more than 30 days
Company: Mercedes Benz Financial Services (CA)

Complaint:
MERCEDES-BENZ FINANCIAL SERVICES Account XXXX ******* XXXX has been paid and closed on my report, this is still showing that it is 30, 60 and 90 days late with a balance. How can this be? They should be reporting the account paid. This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be fix immediately! 

MB FIN SVCS ******* XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
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. (FL)

Complaint:
In XX/XX/XXXX-XX/XX/XXXX somebody opened student loans in my name without my knowledge I reached out to XXXX XXXX and they are working to fix the issue I do have student loans that are mine but they don't add up to the amount that's being reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
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. (FL)

Complaint:
On XX/XX/2023, XXXX : I submitted the enclosed disputes regarding my federal student loans through XXXX. The dispute was sent to Experian, XXXX, and XXXX. I have been in the process of purchasing a new home and my loans went through the Fresh Start program. As per the two conversations that I had directly with the Department of Education, I was told that all negative information that was previously reported would be removed. The disputes were specific to each bureau. XXXX decided not to pursue the disputes. Instead, I received a letter dated XX/XX/2023, with contradictory wording. It starts off by stating that after a careful review of my account, a determination was made that no adjustments are needed. The reason provided was because of an incomplete or invalid dispute. This was followed by claiming that under the FCRA a data provider doesnt need to investigate disputes received directly from consumers. For starters, the dispute came directly from the bureaus. Furthermore, the results should have also come back from the three bureaus. That never happened. Just a form letter from someone who didnt take the time to review the disputes. 
XXXX, EXPERIAN, & XXXX The attached response from XXXX indicates that you didn't provide the information listed in my individualized dispute sent to all three bureaus. You too share a part in the blame for my credit reporting incorrectly.

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 2022-03-05
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:
On XX/XX/2021, I sent a letter and file a CFPB to dispute the negative accounts and Hard inquiry. Shortly after Filing, I was denied a car loan and apartment because of your failure to report with my written consent. I was able to sleep on my friends couch, but suffered a financial injury in the process. 
As a direct result of the Failure of reporting without my writing consent, I paid the necessary credit repair work. I enclose a copy of their invoice. 
In addition, as a direct result of the Failure, I was without an apartment and had to sleep on my friend couch till to this day and XXXX to stay shelter. I enclose a copy of an invoice for the XXXX cost of {$500.00}. 
In a recent phone conversation, you claimed that the Failure of reporting without my consent wasn't the result of your negligence and would have happened anyway. You also claimed that, even still I have not written an consent the items on my reports are verified, I should contact the creditors and lied about my debt being sold. 
As to the first issue, XXXX XXXX XXXX Of Trans union is prepared to testify in court that the negative items and hard inquiries reporting on my credit report without my writing consent. 
Second, I had no obligation to file another dispute to further resolve. I had the damage you caused and am prepared to prove this In court. 
As settlement of all claims related to this matter, please send me a check or money order for {$5000.00} on or before XX/XX/XXXX. This amount apartments denial, and fair compensation for my inconvenience and the discomfort brought on by my injuries. If I don't receive payment by that date, I intend to discuss this matter with a personal injury lawyer, and explore all my options for getting fair compensation. 
You may reach me during the day at XXXX in the evenings until XXXX XXXX. 
Sincerely, 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 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021, exercising my rights under FCRA 611 ( a ) ( 15 U.S.C.1681i ) I challenged the accuracy, compliance and report-ability of these accounts below 1. XXXX XXXX : Account number : XXXX, How did you verify this account. 

2. XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. 

3. XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. 

4. XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. 

5. XXXX : Account number : XXXX, How did you verify this account. 

6. XXXX XXXX XXXX : Account number : XXXX, Please remove this account from my credit report. This account is showing several late payments, and I am for certain that I was not late during these months. 

7. XXXX  XXXX : Account number : XXXX, How did you verify this account. 

8. XXXX  XXXX : Account number : XXXX, How did you verify this account. 

9. XXXX  XXXX : Account number : XXXX, How did you verify this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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: Genesis FS Card Services, Inc. (NY)

Complaint:
I contracted with the GENESIS FS CARD SERVICES for a credit card AND UNBEKNOWNST TO ME I was not given full disclosure which is a violation of Regulation Z of the TILA ( TRUTH IN LENDING ACT ). I authorized permission to representatives of the company to discharge the total amount of the debt in full pursuant to HJR 192 and Public Law 73-10 and was not given proper remedy.

Company response to consumer: Closed with explanation