hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Complaint:
I have sent several notices over the past year or two to the XXXX main credit bureaus ( EXPERIAN, XXXX, AND XXXX ) to dispute information on my report that should not be on there as well as advise them that they are in violation of many federal laws with the way they have been handling my credit profile. 

First of all, i have not given these companies any authorization to utilize or distribute my personal identification documents or authentication features. It is a violation to obtain my personal data and report information attached to said documents without my consent. 

There have been multiple inaccuracies across all three bureaus on most of the accounts they are reporting on. From account opening/closing dates, balance amounts, status of the account, payments made.. etc. Neither company has consistent information reporting and i requested that they validate all the information and authenticity of the accounts that they are reporting on. But they have not supplied any detailed information about whats going or the source of their information. These accounts need to be removed from my report immediately since they are not doing their due diligence to validate and certify that the information they are reporting on is true. 

They have also allowed fraudulent collection agencies to report on my account as well and refused to properly verify and validate the information being reported. 
Its seems like any company can just obtain my social security number and name, pay them some money, and they can start reporting on my account even though no debt is owed to them and i have no knowledge of said company or any agreement with them. 
This is a violation and is fraudulent. 

The inaccuracies of these reports have caused a lot of damages to me mentally and physically and limit my ability to prosper in life. 
As a consumer, i have rights and protections under the law and these companies need to be held accountable for the many violations they are committing. 

I want these issues looked into and handled immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
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:
XXXX  ONLY responded with the info and history of the charge off. XXXX  DID NOT address the complaint and remove the Paid in Full charge from the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
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. (DE)

Complaint:
Today I called and spoke with Transunion. The representative I spoke with was XXXX work ID # XXXX. There were fraudulent inquiries placed on my report. The representative denied my right to seek remedy in removing inaccurate information from my consumer report. As a consumer who understands federal law, this is a direct infringement on my rights to truth on my credit profile. This is not right and I am seeking remedy.

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 2022-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (KY)

Complaint:
I had a balance of {$410.00} on my Macy 's credit card which paid in full and on time last month. However, I just received another bill for {$3.00} for interest this month. I should not be charged for interest when I paid the balance in full. It even says the on the back of my statement. This is the second time they have tried to do this ( see my complaint from 2020 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge 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: SYNCHRONY FINANCIAL (WA)

Complaint:
In XX/XX/XXXX, someone stole my identity and used it to open a pay pal credit card issued through Sychrony Bank. I didn't find out about this fraudulent account until XX/XX/XXXX, during the underwriting process for a home loan to purchase my first home. This fraudulent account dropped my credit score by 250 points and the purchase of my first home fell through. Naturally, I contacted the bank, the credit bureaus, the police department and the FBI website ( www.IC3.gov. ).

I believed I had taken all the necessary steps to have my name and credit cleared of this theft/fraud. Today, I learned that an investigator for Synchrony Bank had denied my claim and closed the fraud case because Synchrony bank had sent a statement to the fraudulent person at their address, not mine, and that person then made a payment on the fraudulent account.

The investigator assumed since a bill was received and payment was made there must be no fraudulent action and closed the case.

Synchrony never updated their system with my actual information that I provided them when I discovered the fraud. Of course, whoever stole my identity is going to receive mail to the address they provided! My  credit has been destroyed, this company is the antithesis of helpful. I am homeless. My credit is destroyed and this makes renting and buying almost impossible. I am living with my parents because of the lack of accountability within this 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 non-monetary relief
Consumer complaint received 2021-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (AR)

Complaint:
On XX/XX/2021, a purchase was made on our XXXX Account for a XXXX XXXX XXXX unlocked XXXX XXXX XXXX XXXX XXXX, XXXX. Neither I nor my husband made this purchase. We have since made several unsuccessful attempts to have Capital One remove this from our credit card statement, and we have refused to pay as this was a fraudulent purchase. To add insult to injury, we have since received correspondence from Capital One stating that the fraud investigation is resolved. This could not be further from the truth. Also, in the next letter sent to us, they falsely stated that we have agreed that the charge was actually valid. We never agreed to such a thing. 

We have since that time contacted XXXX, and they agreed that this was an unauthorized purchase on our account. Since that time, XXXX has reversed any modifications made by this party and disabled our account, prior to our updating the account with a new password. 

The charge for {$500.00} was not made by us or anyone that we know. We have always paid our bills in full and on time for the duration of our credit history and believe that Capital One is attempting to take advantage of an elderly couple without any recourse to their unwillingless to remove the charge and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ditech Financial LLC (AL)

Complaint:
I believe I, and Ditech Financing LLC may be victims of Escrow Fraud. Please see attachments ' for a detailed explanation of the event. You must start with the letter to XXXX ( Ditech Holdings ). This a time sensitive matter due to start in XX/XX/2019. The letter and attachments are self explanatory. If I were to write the communication into this box, it would be redundant. 

Thank you for your attention XXXX XXXX " I'm being robbed in slow motion '' ...

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
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. (KY)

Complaint:
I have advised TransUnion on several occasions that the information being reported on my credit report is inaccurate and have provided them with proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (IN)

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 XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, WORLD FINANCE CORPORAT XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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. (IN)

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 ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of 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 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 2018-03-31
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. (CA)

Complaint:
I have submitted over ten disputes with Equifax, for 1 account with the XXXX XXXX XXXX  Account # XXXX  to be reported correctly, it has been listed on my report with comments as Bankruptcy Chapter XXXX with an account status of included in Bankruptcy which is incorrect. I have request to have proof provided to me to show verification of the account status, I still have yet to receive this information or removal of the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
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: EQUIFAX, INC. (NY)

Complaint:
Not my items

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (NJ)

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these 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 and correct or remove them immediately in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
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: EQUIFAX, INC. (NJ)

Complaint:
I ask them to remove information along with the letter again nothing has been done. The inquiries from XXXX XXXX  XX/XX/XXXX has informed me they do not have a request from me and can not verify my social number. XXXX XXXX XXXX XX/XX/XXXX also informed me they did not have a recorded of my credit request. UCS XXXX did not have my permission to run my credit score. XXXX XX/XX/XXXX did not have my permission to run my score. XXXX XXXX XX/XX/XXXX I have an account with XXXX for the past 20 years and there is no need to have my credit checked. I never authorized any credit check from XXXX, I did not have my permision to run my score.

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: Experian Information Solutions Inc. (FL)

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
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

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 2018-05-19
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:
XXXX XXXX  has 2 fraudulent collections under on my credit reports.

Two charges : one for {$500.00} and a second for {$280.00}, both from the same facility and same date of service of XX/XX/XXXX.

I have never received medical treatment in the state of Pennsylvania.

I disputed these fraudulent collections on my credit reports with Equifax, XXXX  and XXXX  approximately one month ago and I received an email alerting me that my disputes had been resolved. However, when I went to check my credit reports, they showed the 2 above referenced collections are still on my reports. According to the reports, XXXX XXXX claim the collections are correct and the credit bureaus still have them on my record.

I have been on the XXXX XXXX plan since XX/XX/XXXX and once again, have never received medical treatment in the state of Pennsylvania.

Please help remove these 2 fraudulent collections on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (IL)

Complaint:
Calling and forcing debts that not mine. Call every hours saying different thing to play on my phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-10-12
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. (NY)

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$160000.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$560000.00}.

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 2022-08-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Complaint:
I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Here are the accounts that I wanted to fix. 
XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXX XXXXXXXX Balance : {$440.00}

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 2023-05-15
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. (IL)

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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