hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-12-03
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: EQUIFAX, INC. (FL)

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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. (MN)

Complaint:
Private student loan with XXXX was discharged in XXXX XXXX bankruptcy on XX/XX/2023. This loan was above and beyond costs to attend the university, and therefore dischargeable in XXXX XXXX XXXX continues to report a charge off, balance due, and late payments.

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 2022-07-18
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. (RI)

Complaint:
These were illegally added to my public credit profile on XXXX. 
I've mailed and called numerous times to explain that I had been a victim of identity theft between XXXX. The below list of items were never added by me and respectfully wish these to be removed. 

I filed an FTC complaint as well as an identitytheft.org on the following items. 

BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( NEVER LATE ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Complaint:
Somebody has obtained my personal information and has opened accounts in my name. 
XXXX XXXX XXXXXXXX : {$2400.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX : inquiry XX/XX/XXXX capital one : inquiry XX/XX/XXXX Please remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/ identity theft, all is investigated by the FTC . According to FCRA 605B This information must be blocked immediately until the investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
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. (PA)

Complaint:
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 is the inquiry that is still reporting on my account : XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
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: AMERICAN EXPRESS COMPANY (GA)

Complaint:
I don't recognize these inquiries XXXX XXXX XX/XX/XXXX no action XXXX XXXX XX/XX/XXXX no action XXXX XXXX XX/XX/XXXX no acton  Amex XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
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: SUNTRUST BANKS, INC. (FL)

Complaint:
XXXX XXXX SUN TRUST BANK/XXXX To whom it may concern, I would like to see the accounting records on the loans that you are accusing me of owing. Are you aware that 's it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. I am aware of my rights and the statue of limitations in my state as a borrower. According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! the courts had historically misinterpreted the laws, falsely deeming student debts as student loans under the bankruptcy code. At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. The debt was deleted several months ago and it was reinstated back on my credit file just recently.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

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 2022-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 


CAPITAL ONE Bal. {$0.00} Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
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: Experian Information Solutions Inc. (LA)

Complaint:
On my experian credit report there are some inquiries that I did not authorize and that I would like removed and are as follows : 1.XXXX XXXXk / XXXX XXXX 2. XXXX XXXX/ XXXX XXXX 3. XXXX XXXX/ XXXX 4. 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 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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. Upon reviewing my updates, incorrect personal information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is reporting on my Credit Reports and needs to delete immediately : Employer : XXXX XXXX Date Updated : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Complaint:
I am currently in the process of trying to buy a home and pulled my credit report and realized there are a lot or fraudulent activities of identity theft on my report. I filed an FTC report to have these removed due to law 15 u.s.c 1681 there should be no damages to my report as this is XXXX defamation to my character and they have refused to remove these items. XXXX, XXXX and TransUnion have all Refused to remove these after numerous attempts. The fraud happened in cities and states I have never been to and I would like these removed from my credit report as they do not belong to me. This is hurting me from being able to purchase a home my current home is being sold and without these off my report I do not qualify for a mortgage. After multiple attempts these companies refuse to investigate and remove these from my credit report this is a defamation to my character I have sent these twice to each company and I will upload two separate copies of two separate reports that were made.

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 2018-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Complaint:
I am writing regarding charges XXXX XXXX XXXX XXXX is trying to levy against me. 
Sometime in XX/XX/XXXX or XX/XX/XXXX I opened an account with Capital One. In XX/XX/XXXX or XX/XX/XXXX I got a call from the bank saying they were seeing suspicious charges and wanted to close the account. I said OK, the travel rewards promised were never delivered anyway. In XX/XX/XXXX I purchased 2 tickets from XXXX to XXXX XXXX with my rewards. I elected an electronic purchase, but there was no record of my purchase when I arrived at the airport. I had to pay $ 400-500 for my tickets. 
In XX/XX/XXXX, I received a call reminding me that I had not paid $ 15-16 owed on my account. I quickly called ( on XX/XX/XXXX ) and told them : 1. I no longer had an account and 2. I hadnt made any charges. 
The person I spoke to agreed to reverse the charges since they were not mine. I do not have a recording of the call, but can show I made an approximate 12 minute call to Capital One. 
Since that time I have received repeated requests for late fees. I have written 2 letters to the company ( attached ) explaining again that the charges are not mine. The total requested is now {$62.00}. 
I have 3 credit card accounts that I use for convenience. I pay the charges every month online ; approximately {$3000.00} per month. If I made a $ 15-16 purchase, I would pay it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-16
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: PHH Mortgage Services Corporation (PA)

Complaint:
PHH Mortgage has called me multiple times a day for months. Most times, the line is quiet when I pick up, immediately followed by a disconnection sound ( an audible click ). They foreclosed on my property, and I requested a reinstatement amount from them ( I had to request this several times now, and still have n't received an amount ) through their lawyer. Today, PHH called me directly from the number listed on the complaint. They wanted to know what my intention was with the property. Since I have made several requests, even speaking directly with their lawyer, they already knew my intention. They provided me with no new information, and simply stated they would pass on a total to the lawyer. I believe this constitutes a breach of FDCPA ss. 806 ( 5 ) and ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
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. (CA)

Complaint:
I have sent over 3 letters to Experian showing them proof that the information they have on file is incorrect and they have refuse to fix the issue. I have show them I was issue XXXX by the following company back in XXXX which my balance should be {$0.00} and the charge off date they have on file shows XXXX which is incorrect. They are refusing to remove it there inaccurate information and stated they have verify with the company which is wrong if they did they would see a XXXX was issue.

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 2023-03-15
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. (MD)

Complaint:
XXXX  original debtor XXXX has received a check and cashed agreeing that the debt has been paid in full and will remove the debt from the credit report if cashed. The check was cashed on XX/XX/2023 and I received a call on XX/XX/2023 advising me they have a balance left and they do not have anything to do with the updating of my credit report. 

Please have this debt removed as a negative remark on my credit report as the debt has been paid in full and the agreement must be honored. 

Attached is the cashed check with the agreement of being cashed debt will be PIF and removed from my 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 2022-02-23
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. (NV)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXXXXXX 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.

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 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$910.00} ; XXXX XX/XX/2021.

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 2018-11-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT CONCEPTS, INC. (WA)

Complaint:
XX/XX/2016 Dispute 1 : slammed with GAP insurance. No signed agreement. Refuse to recalculate loan with GAP insurance removed and not disbursed over 36 payments. 

Dispute 2 : Charged 29.95 % on sales tax, and disbursed over 36 months.

Dispute 3 : XX/XX/2016 paid receipt not applied to account. ( See receipt and account print out. ) Dispute 4 : Fee simple loan they are allocating over payments to their interest. See print out, Interest.Recast # nn nn is future interest payment

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
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. (WI)

Complaint:
I received my credit report on XX/XX/XXXX and Notice there we're hard inquiries are Hurting me from getting approved for loans and cars. 
I've already reached out to the following credit bureaus and they keep violating my rights under 15 USC 1681B. I also attached the XXXX Inquiries that does not have any purpose on my credit.

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 2015-05-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ORG GC GP Buyer, LLC (TX)

Complaint:
Back in XXXX, I received a letter that says that I owe XXXX {$3600.00}. The problem is that I never started an account with XXXX, nor had the knowledge of it being in my name. Recently, the false debt has been reported to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Complaint:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXXXXXX XXXX XXXXXXXX {$110.00} XXXX XXXXXXXX {$100.00} XXXX XXXX XXXX XXXXXXXX {$5100.00} XXXX XXXX XXXXXXXX {$220.00} XXXX XXXXXXXX {$210.00}

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 2023-01-29
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. (OK)

Complaint:
Someone fraudulently opened a XXXX credit card under my name. I did not open any new accounts or have my credit checked. I contacted XXXX and they closed the account. I told them to remove that fraud from my credit report. I then disputed the fraud on my report with all 3 credit bureaus and XXXX twice now just says they verified the account information. It is not me and i want this fraud removed ASAP

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 2018-09-20
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. (GA)

Complaint:
I called into the agency to dispute fraudulent inquires on my report. My purse was lost with my information inside and I made a police report and sent it into Equifax along with the other 2 credit agencies. I got a notification from XXXX that my information as listed on the black market this morning XX/XX/XXXX. 

I called equifax and they said they can not dispute the inquires even after me providing my police report. This is against the law. 

I contacted each company, who conducted the inquiry and asked them to remove their credit inquiries from my credit profile. They have no information for me and have no records of these inquiries. 

I have attached my police report as well. Please remove the unauthorized inquires XXXX  XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX Dba XXXX   Inquiry from XX/XX/2018 All Banks XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Credit Unions XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20
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: Express Recovery Services, Inc. (UT)

Complaint:
Express Recovery Services # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation