hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-10-25
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. (MD)

Complaint:
I have filed a complaint against XXXX XXXX XXXX XXXX or more times for this same issue. They falsely report payments as late then when a complaint is filed they admit it is wrong and remove them only to put the same information back on my account a couple months later. They are falsely reporting that I have XXXX late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (SC)

Complaint:
I was contacted by Monterey Financial and spoke to a representative. She asked to speak with XXXX. My name is similar but not XXXX. I told her that I saw their company name on my credit report so they definitely have an open collections account but my name is not XXXX, last name was correct however. I explained that I am a victim of identity theft and she hung up on me. I called back and was repeatedly hung up on after explaining the situation. They said since they couldnt verify the account was mine, they couldnt speak to me. They did not ask for any other information to verify the account, only my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
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. (NC)

Complaint:
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and they have verified it..The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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. (IL)

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. 

Account name : 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 response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
Hello I have two late payments on my account which is not true I contacted capital one many times and they keep updating the same incorrect late payment from XX/XX/2017 a 30 day late payment and a 60 day late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
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. (CA)

Complaint:
I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XX/XX/XXXX and XX/XX/XXXX did their jobs in no time. Equifax on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Equifax continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Equifax is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
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 have some inquiries I didn't recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I pulled my credit Report this morning, and there are several inquiries that do not belong to me. Please remove these unauthorized inquiries from my report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX TRANSUNION XXXX-Inquiry : XX/XX/XXXX XXXX   XXXX-Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXInquiry :  XXXX XXXX, XXXX XXXX XXXX  DBA XXXXInquiry : XXXX XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX - XXXXInquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX - XXXX XXXXInquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : 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 2022-02-15
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Waypoint Resource Group, LLC (WA)

Complaint:
I had XXXX on and off since XXXX to present between XXXX and XXXX  XXXX all personal accounts only. I am a victim of identity theft, and fraud since my information was stolen in the VA in XXXX, XXXX and XXXX since XXXX, and my professional business license in Washington XXXX since XXXX. I reported XXXX before, and fought off their past 3rd party collection agencies, and all debt was deleted. This year alone I did block all my credit reports from freezes and fraud alerts. 

Attempts to collect debt not owed ( debt was paid, discharged in bankruptcy, result of identity theft, was owed by a deceased family member ) Currently this year alone especially during XXXX history month another 3rd party predatory creditor ruined my credit report in both XXXX and XXXX as I lost between 57 to 61 points. I told the creditor to leave me alone, and they did not as I was forceful. XXXX is trying to collect on debt I do not owe as it is a false claim, especially given the money and debt I paid to them already. I moved between states in XXXX I returned the equipment, and that was confirmed when I talked to XXXX special billing department. 

After explaining my situational story, which is upsetting after they admit from coming at me before, and the debt was dropped because I turned in the equipment years ago. Then they said we can wave the XXXX debt, but you owe us XXXX plus dollars, and I said no freaking way. This guy said well we have a bounced check with your name on it with a NSF amount, and I said that is bull cause I never wrote that check. During that time I was in the process of moving, and I am certain my information was hacked by nearby thieves who was making alleged claims pretending to be me. This debt was deleted of my credit reports a few years ago. 

i am a XXXX  XXXX  veteran with limited income on XXXX who business went under who is a single father who is struggling still while raising a son, and service dog. I want all this debt deleted from my XXXX, and XXXX as in pronto as I keep disputing this outrageous debt, that I do not owe. XXXX did call me back, and the haung up nor did they give me the electronic pdf so I can itemized the so called bill, and file it in a police report because I use to be a federal police officer too. I also do not want comcast harassing me by using 3rd party lenders as this has impacted my ability to buy my first home where my credit report was close to a XXXX  plus score as it has been over 5 years rebuilding my credit reports. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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. (MD)

Complaint:
It states that I have a closed account with XXXXXXXX XXXX from 2019 but this account was closed because it paid in full. Equifax is reporting incorrect information about this account and I would like for it to be removed as quickly as possible. This is effect my credit score. This account was paid in good standing and was not delinquent. I have a new account with the company that is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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. (MI)

Complaint:
This is my second time contacting without my issue being resolve and am not being tooking serious. At this time again you are in violation of my consumer protected law by knowingly furnishing these accounts on my profile. My last complaint clearly stated I did not give these companies written or verbal approval to Inquire on my credit profile, or the permission thereafter to furnish these on my behalf. I don't have any knowledge of these transactions. You and these companies are in violation of my rights stated below and would like these inquiries removed immediately. This account is under litigation! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. 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 explanation
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Complaint:
This is XXXX XXXX XXXX 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 response to consumer: In progress
Consumer complaint received 2020-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

Complaint:
AMERICOLLECT INC. 
has an account on my credit report thats not mine and that is not owed to them. 
sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } americollect does NOT have PROOF ( VALIDATION ) of a writing contract between me and them stating i owe.Furthermore, { AMERICOLLECT } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. THERE ACTS ARE A VIOLATION OF Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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. (NY)

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payment on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX XXXX : {$12000.00}

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 2019-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (WI)

Complaint:
In XXXX, around XXXX, XXXX husband and I purchased furniture at a local store in XXXX. The furniture stores has a sign that it finances their furniture. We made a purchase and never filled out an application, instead, the gentleman filled out something upon paying after we purchase the furniture. 

We were told that it got approved {$2000.00}, never told us from where the money was coming from. We assumed they were financing. After a few days, we receive a card from Synchrony bank and we have paid the card, even though right now, my husband 's income as a XXXX veteran and i have not worked due to a fall in a XXXX place, and on treatment, we have paid up to now. 
The problem is that I called the bank due to amount no going down, instead has gone up and never comes down. The bank said that it was due to old interest charged back onto the account, since we did not cancel amount of debt in a promotional time allowed. 
We were not told of any promotional time allowed, we were just told to sell us the furniture, that if we paid it in six months or less, we wouldnt pay any interest within that time, but obviously, we could not, and so we continue paying, but it is outrage, how we pay any amount above and beyond and we get charged late fees, interest upon new totals treated as purchases when they are not and interest on top of interest. This is total abuse. We called the bank on friday XXXX XX/XX/XXXX, and they have denied us any information such as contracts etc, instead, they went ahead and closed a credit card account which I never eceived, and entered my credit without authrization to make excuse reasons for closing, in reprisal for my affirmation that I was going to report them to your Agency. And so, saturday, XXXX, I received a letter from the same bank stating that the credit card from XXXX is now closed, but it will not allowed me into the system, because i never got this card. All I had was a statement about being able to shop and so, it never came to pass.

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 2022-02-05
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: Experian Information Solutions Inc. (MI)

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (FL)

Complaint:
XXXXXXXX XXXX - HOMEDEPOT CONSUMER CARD REPORTED TWO LATE PAYMENTS WHEN I PAID CARD IN FULL IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS! UNDER ACT 15 U.S.C. 1681 SECTION 602 SAYS 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 REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 U.S.C 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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. (NC)

Complaint:
XXXX Actual Statements : The uploaded documents I received from XXXX Shows XXXX is intentionally and maliciously reporting wrong data to the credit bureaus. 

This may because I have ask for validation of this account via original signed contract, origned agreement, or signed application for credit bearing my signature and they have failed to do so after several disputes. 

As I stated, I have requested : proof by means of signed agreement, or signed contract, or signed application for credit showing I applied to this account in a joint status. i could not of signed for joint status my credit was too poor, I was an authorized user on this account and they have reported irregularities on one credit bureau its a individual account and another its joint. They do not have supporting documents required by law abd that is a second reason to remove this account! This account is over 8years old! 

I demand this malicious creditor and/or the credit bureaus remove this from my account immediately! This is damaging me And have been for years until recently noticed! 

Attached you will see where XXXX has repeatedly reported innaccurate information such as the late months and charge off. The last sheet shows one thing and these show another! Im going to sue you all if you dont remove this account immediately! 

You both are breaking federal 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 non-monetary relief
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (IL)

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX IL ) XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}.

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