hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-05-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

Complaint:
This complaint is towards Experian Credit Reporting agency And the XXXX XXXX XXXX XXXX XXXX 

I've uploaded documents and updated my consumer statement in which The credit reporting agency and Debtor/Creditor are still causing personal and financial injury towards Me as a consumer. Experian as Violating Consumer Laws Section 15 U.S. Code 1611.

It states on Experian This is your history of paying bills on time. Late payments can stay on your report for up to 7 years. This account was open XX/XX/2018 which Experian as deleted reports from ( XXXX ) and now only showing reporting dates from XXXX. And I have proof of of all reports.Therefore Experian and this Debtor/Creditor showing action of another consumer law violation section 15 USC 1681B . 

In which I gave no permission to update/Delete any information from my credit report. I Demand for Experian to remove These Negative items from my Credit report 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 2023-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (TX)

Complaint:
I dont know why they call 10 15 times a day. I have never bought anything from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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. (FL)

Complaint:
I tried several times sending Equifax an FTC report about fraudulent inquiries on my credit report and those inquiries are still there : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
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: EQUIFAX, INC. (OH)

Complaint:
I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (MD)

Complaint:
Multiple attempts via emails and their website contact page to get information, resolve, etc, have been ignored. I have sent 5 emails, and sent 3 website inquiries starting XX/XX/2021. 

Their lack of response, and continued aging of the account has caused damage to my credit report, and reputation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Complaint:
To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX opened XX/XX/XXXX for {$130.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$400.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$810.00}, XXXX XXXX opened XX/XX/XXXX for {$1100.00}, XXXX XXXX XXXX opened XX/XX/XXXX for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING XXXX XXXX XXXX ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-05-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Netspend Corporation (CA)

Complaint:
in about 2015 I request that XXXX XXXX XXXX XXXX cancel a XXXX XXXX  monthly subscription. however, they continued to charge me for the account. I contacted my credit card agency and reported the incident and requested a new credit card. They informed me that they would take care of the issue by replacing the card. I don't know how the company got access to my new card, but the charges continued to come. throughout the COVID crisis and it became a low priority, and I had other problems to deal with and did not check my account because I relied on the company to honor my request to stop deducting and cancel the subscription. within the last year after auditing my account I noticed that XXXX was still deducting {$85.00} from my account. I contacted both the agency and the credit card company and request that stop the charges immediately. as of XX/XX/XXXX2023, I am still getting charge considering my ongoing request to cancel. I feel Net spend should have protected my account but for some reason they continued to allow this company to continue to charge me after replacement of the cardXXXX

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 2022-05-04
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: EQUIFAX, INC. (TX)

Complaint:
In accordance with the Fair Credit Reporting act 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 has reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

Complaint:
I had a Chase XXXX XXXX checking account about 3 years ago and i was a victim of theft and fraud. My Debit Card had been stolen and was used to deposit fraudulent fake checks through my account and the money was then withdrew in advanced. Of course the check bounced and i was left with an outstanding balance of around {$4000.00}. At that time i was a minor and didnt know much of anything. I made a report with chase and told them that i did not make any of those transactions and they didnt help at all. They closed my account and left me with over {$4000.00} to pay in an outstanding balance. I think this is unfair because i was a victim in fraud and being a minor i was scared and didnt know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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. (MI)

Complaint:
Experian has violated my Federally Protected rights under the FCRA. I have tried everything to rectify this issue and you failed have negligently and willfully failed to comply. So I am not disputing or no longer asking for substantial credible proof that you failed to provide, but I am now putting you on Notice to Cease and Desist Communication from me within 30 days including the removal of the accounts in the attachment. Failing to comply will result in Legal Matters in Federal Court. Not only has my livelihood been affected but my children as well. These injuries has caused me huge damages including mental anguish, and mental distress. My consumer report is suppose to be equitable and fair to me according to the FCRA and it has not been it has been used with Extortionate means for you to benefit from it. I never received disclosures from you according to the Gramm Leach Bliley Act, which is also a violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
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. (FL)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2021-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my credit report and it shows the inquiries above are fraudulent and I have a sent a copy of the FTC report to request removal. I have not been successful and I need these removed due to attempting to purchase a home.

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 2021-10-06
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 am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was 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 inquiries that are reporting on my Credit Reports and needs to delete right away : XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (MO)

Complaint:
Us bank is racially discriminating against me. They closed my business checking account and debit card for no reason.

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 2021-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

Complaint:
ON XX/XX/2021 I sent in a debt validation letter which wasn't answered, according 15 USC 1692g which said I can ask for debt validation. 
my information was sold to CMRE which was a medical account from XXXX XXXX XXXX XXXX 
15 USC 1692d I was being harassed by this said company CMRE to pay a debt which was reported to my consumer report which harmed my reputation with others. 
account was paid but harm was still on my consumer report from this matter. 
pursuant to 15 usc 1692h if any consumer owes multiple debts and make any single payment to any debt collector with the respect to such debt, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the Consumer directions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (CA)

Complaint:
Lvnv funding LLC amount is XXXX date is opened XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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. (MI)

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc (MA)

Complaint:
I have never heard of The Best Service Company. When I called on XX/XX/2020 at XXXX XXXX  the representative on the phone, they could not verify that the debt in question ( of {$2400.00} ) was mine. They requested my social security number and I declined to disclose that information. Instead, I presented the account number listed on my credit report, the amount of alleged debt, my name, date of birth and several other identifying data points. They could not verify that the debt belonged to me but offered the opportunity to pay off the debt for removal. I made it extremely clear that the debt was not mine, that I had never heard of their company and that I would file a report with the Federal Trade Commission regarding this fraudulent claim due to how it has impacted my credit score. I also made it clear that I suspect that this is fraud and they asked me to submit proof of fraud. Due to the fact that there is no concise way to prove fraud, I am submitting this complaint regarding my experience with The Best Service Company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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:
My insurance paid off my XXXX after an accident but XXXX XXXX has it as a charge off on my credit report and has caused my score to suffer tremendously and really has limited my financial flexibility! This loan has been paid off and I want this reflected in my credit report! In the notes when I click on that account through credit karma it says that it has been paid off and dispute has been resolved! I also got a letter from XXXX XXXX saying that it was paid off and this was XXXX off last year. Im not understanding y 7-8 months later it still hasnt been reported to my credit monitors!

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 2016-09-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Ashton & Weinberg, Inc. (AL)

Complaint:
I received a call from Ashton and Weingberg XXXX and XXXX after having advised them to no longer call me unless they provide written verification of the debt they allege I owe. They have provided no verification and are still calling as of today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (PA)

Complaint:
On XX/XX/2020 I received mail from US bank/XXXX  with a debt card produced in my name. I did not apply or this card nor did I request any information for this service. Fraudulently this card was generated without my approval. 

Section # 2 didn't offer the option to list a debt card was generated without my approval.

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 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Complaint:
I have 2 random 30 day late payments from Kohls but i never received a bill. Not sure if they sent it to the wrong address and auto payment isn't an option. They only call me after the payment is missed and then I pay right away but 2 times they put late payments on my credit. It should not be on there because it was not my fault since i didn't know that it was due. Can you please help me get it removed? I have tried disputing it with the bureaus but not had success. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Complaint:
I fil a dispute later to the company no respon

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