hpe-ai/customer-complaints huggingface dataset:
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: EQUIFAX, INC. (TX)

Complaint:
I am a natural person, I am a living human being, I have rights under the 15 USC 1681.

Equifax is govern by 15 USC 1681. They violated my rights.

I demand that the inquiries listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax to furnish these inquiries. 

Below are the attachments of following inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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: EQUIFAX, INC. (CA)

Complaint:
I have been a victim of the Equifax breach and will like to have this accounts remove immediately XXXX XXXX- XXXX - Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX  - XXXX Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX  - XXXX Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CA)

Complaint:
My account is more than {$1500.00} in debt and i would like to get it removed. I closed this account a long time ago and I am still getting charged

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

Complaint:
On XX/XX/2021 at XXXX pacific time my debit card was compromised for {$250.00} My first alert was XXXX letting me know of the suspicious charge. I then contacted my bank CHIME to make them aware that someone has stolen my information to close down my card. I received an email from chime saying they denied my refund for the unauthorized charge as I shop with XXXX often. So because ive shopped with XXXX, its ok for my information to be stolen and used to make fraudulent charges. This is unheard of and Im requesting an investigation. This has put my family in a horrible situation. I trusted chime with all of my banking including child support payments and this is unjust and unfair. XXXX agrees this was a suspicious unauthorized charge and is shocked about chime bank reply. Ive included all emails from XXXX. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} NCB ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} TRANSUNION : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1900.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$560.00}

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 non-monetary relief
Consumer complaint received 2021-03-12
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Complaint:
I disputed the 2 accounts listed on my credit report which were " verified '' by the credit bureaus. Both accounts are with capital one. Both accounts are reporting as charge off and reporting a past due balance/balance of the following : one account {$2000.00} and {$950.00} Letter of validation was sent to Capital one. Although they responded, they failed respond to the actual request for validation. They only verified the account listed. Per my request " Your failure to satisfy this request within the requirements stated in the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. A credit diclosure statment was requested to be filled out and returned. Failure to return would result in the following : Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. Original request is attached as well as their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (FL)

Complaint:
XX/XX/2020 XXXX, {$290.00}, XX/XX/2020 XXXX {$100.00} I have reached out to Capio partners in reference to these accounts. These accounts are an result of identity theft which is reporting on my report inaccurate and is violating fair debt reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
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. (CA)

Complaint:
I'm filing this complaint because Equifax has ignored my request to provide me with the documents that their company has filed that were used to verify the accounts I disputed.

They have also gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can't be verified. '' I have disputed. Please resolve this manner as soon as possible. 

Not only is the company reporting wrong information, but the accounts are also in FCRA violations. I've even provided factual proof to the company reporting many accounts. I hope we can solve this as it is hurting my overall credit willingness. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
It has been drawn out that you are not hindering records when I sent a copy of 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 needs to be removed in my file : XXXX XXXX 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 XXXXXXXX XXXX Balance : {$73.00} XXXX  XXXX XXXX Balance : {$82.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$5400.00} XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Complaint:
I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

Complaint:
I was trying to pay off the balance in a lump sum settlement or get a lowered interest rate due to losing my job from covid-19 layoffs. After a month of not getting answers via emails, a chat system that was perpetually down, and an inability to get through via phone, I was told by managerial staff that there were no options for me. 

My care credit card gained interest at a 26.99 % interest rate for the month while I was trying to get a reply. I asked if they could at least work with me on refunding that amount accrued and was told there was " nothing they could do. '' I was also told that I could not apply for a reduced interest rate because it was " no longer within the promotional period '' of the purchase. 

This company has issued many letters indicating they will help people affected by covid-19 and yet they were unable to even respond in a timely manner to my basic inquiries. They also have not clearly posted the parameters anywhere that I could find to get my questions answered on my own. 

I am jobless, XXXX, was XXXX in a XXXX XXXX  last fall, and live alone due to an unfortunate XXXX XXXX situation I had to escape from. Any help is much appreciated. I can't be expected to pick up the slack on a company that isn't able to offer basic customer service as is posted.

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 2021-12-13
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. (CA)

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : 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 non-monetary relief
Consumer complaint received 2017-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CA)

Complaint:
XXXX XXXX XXXX sent two emails stating reward credits in the amount of {$75.00} needed to be used by XX/XX/XXXX. I purchased an item using my XXXX XXXX XXXX XXXX credit card to use this reward for {$74.00}. I was advised the reward would appear as a statement credit. I called mid XX/XX/XXXX since the reward credit did not appear on my statement to dispute the transaction. I was provided a provisional credit of {$74.00}. I was then charged {$1.00} as a finance charge since the balance was not paid during the dispute but this was also provided a provisional credit. I was advised on the call during the verbal dispute that I would receive a call back from the dispute team. I did not receive any verbal or written communication so I called again two weeks later for the status and was advised the dispute was closed with no details provided. This agent opened another dispute with the rewards certificate number to the dispute team. Several weeks passed and I still did not receive a letter, email, or call from XXXX. I called again and the third agent now provided a fax number to provide supporting documents and this agent stated disputes attempted to letter the account and email and it was closed again. I received no such contact from XXXX. Fax with supporting documents and details were sent to XXXX with direction from the XXXX agent. Still did not hear anything for over a week and new statement showed a balance due so called a fourth time and agent stated fax was received but no additional details from the dispute team. I was assured I would receive a letter with the dispute details. XXXX has made zero effort to contact me to resolve this dispute and potentially cause negative impact to my credit if I did not continue to call about the provisional credit. I request XXXX XXXX to respond to my multiple dispute requests.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-05
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: EQUIFAX, INC. (NV)

Complaint:
I have filed a Dispute in regards of inaccurate items on my credit report and it's been well over 30 days and I haven't received any investigating results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation (IL)

Complaint:
On XX/XX/2019, I opened a new netspend account at my local XXXX XXXX check cashers and they notified that I would not be receiving a card and it would come in the mail. I loaded the account with {$1000.00} and that same day I checked my online banking {$960.00} was drained out of my account with a XXXX purchase not even in my area. I immediately called to dispute the charge. I was told multiple times but netspend employees that I would receive a credit on XX/XX/XXXX or even soon. I called multiple times and was then told XX/XX/XXXX is the exact day I would be credited. On the XXXX, no money was credited. I called and they told me they could not credit me the money hackers stole from me. I am so upset by this as it seems like banking security has just gone down as a whole. I was not able to pay my rent and me and my kids might have to go out on the street. I was not able to buy groceries and XXXX presents that I had promised them and XXXX was ruined. Netspend has by far the worst customer service I have ever received. I am so upset because I was told when I opened the card that my prepaid netspend debit card was protected against fraud and unauthorized charges. I have never made the unauthorized charge in question and I think I am dealing with criminals that can spoof their number to appear like mine. I also suspect the tellers at the XXXX XXXX   location are somehow involved. I just want my money back, I cant believe my money was stolen right out of my account like that. Please help.

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 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID AND OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX XXXX. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2017-06-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Superior Adjustment, Inc. (MI)

Complaint:
This place continues to call me and they have the wrong number. I have told them this several times and they do n't believe me. I 've blocked their number and now they are leaving messages from an unknown number. They also shout and use profanity and threats. They are known as a debt collection company called " Credit-Check '' in  XXXX  MI. They have the wrong number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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. (VA)

Complaint:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Weltman, Weinberg & Reis Co., L.P.A. (FL)

Complaint:
I received letter dated XX/XX/XXXX, related to student loan debt from XXXX, XXXX XXXX XXXX Co, XXXX. Within 30 days, or on XX/XX/XXXX. I wrote to them to let them know that I disputed the loan was past due. To date, I have not heard from them. The same date, XX/XX/XXXX, the loan was reported to XXXX  credit bureau as a collection account. 

I made several attempts and provided documentation to XXXX  to get the collection status removed as I had it removed in the past with previous debt collectors. XXXX  representative XXXX XXXX XXXX, on XX/XX/XXXX XXXX stated that they could not provide me with information on how the debt was verified and that my option to contact Customer Financial Protection Bureau. 

I would greatly appreciate your assistance in resolving this issue. I was paying the loan as agreed and fell behind because of my ongoing divorce matter. The payment sent was returned to me while I have another student loan that is current in payment with the same lender, XXXX  XXXX. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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. (MO)

Complaint:
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 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS.

ALL ACCOUNT NUMBERS LISTED BELOW Has violated my rights for furnishing IDENTITY THEFT to UNAFFILIATED 3rd party consumer agency Account # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

Complaint:
i have a home equity line of credit with XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX, I owed {$1400.00} on the line of credit, i called the rep that i would like to pay up the line but keep the line of credit open for future use. I sent in the funds in XX/XX/XXXX. i received statements in XXXX, XXXX, XXXX, showing that line of credit is XXXX balance, and the savings account has {$5.00} balance ( required ). 
I received the XX/XX/XXXX statement and i noticed that there was a withdrawal of {$2.00}. i called to ask what it was for, she said that it was interest for the line of credit still owed, i sent the money. 
I got my credit score and notice that XXXX is showing that i have an account delinquent for 60 days. i called the banker, it seems that XXXX requested to close the account and not sure what they show as delinquent. 
I tried to call to a few reps and each one puts me on hold and is not helpful. 
my line of credit is perfect and this is unfair for them to show that my account is delinquent. there is nothing that i owe to 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