hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-08-25
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 (NC)

Complaint:
On XX/XX/XXXX I sent a registered letter to XXXX XXXX XXXX regarding account # XXXX about their reporting of this account with all 3 credit reporting agencies. My complaint was their reporting a late payments some 8 times. I requested validation that this was even my account by proving my signature and while this was going on to list this as disputed. This account was also listed as the credit line was closed by the grantor. 

I sent a second letter on XX/XX/XXXX giving them an additional 30 days to provide this information and informing the credit bureaus that this is disputed. 

Since they have refused to provide proof that this debt is/was mine they are defaming me and my name, lowering my credit score which requires me to pay much higher interest for any future loans and the inability to refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

Complaint:
This was not sent in error. All of the 8 accounts under the Dept of EducationXXXX were deleted before but why it come back again? Please investigate all those accounts and delete them immediately. The same applies for XXXX account. In total of 9 accounts.

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 2022-03-24
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: Experian Information Solutions Inc. (TX)

Complaint:
I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However, all under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The XXXX Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2020-07-23
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. (TX)

Complaint:
Contacted Experian, XXXX, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 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 2021-04-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlanticus Services Corporation (MI)

Complaint:
Repeated calls from aspire claimed XXXX due back from 2013 the company went out of business

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (GA)

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2023-03-03
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. (TX)

Complaint:
The unverified items listed below remain on my credit report in violation of Federal Law. Rather than immediately remove the items listed below per federal law, you opened up a dispute for these items, contrary to my request. I am NOT disputing these items, I am demanding that they be removed if you can not provide me visual proof that I have signed a contract for this account. 

You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing dated XX/XX/23, received in the mail by me XX/XX/23, that you " verified '' that this item is being " reported correctly. '' Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a serious consumer fully intent on pursuing litigation in this matter to enforce my rights under the FCRA.

According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit and has. Caused me emotional distress. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

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 2019-12-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (NJ)

Complaint:
Hi I called Citi Bank executive regarding my issue charge came wrongly .. I told him this guy was nasty not listening keep on harassment Nd abuse This Citi bank total time fraud for customer

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 2018-03-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (PA)

Complaint:
I was hit by another driver and my vehicle was deemed a total loss. This occured on XX/XX/18. XXXX has been ready to send a check to Chase for XXXX toward the loan but Chase has not reached out and is causing me to make higher interest payments on a loan that should not be this high. I have called them multiple times, as did XXXX to get this resolved but they have not cooperated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-31
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Account Control Technology, Inc. (PA)

Complaint:
The company is called account control technology. They have contacted several colleges of mine that I work with inquiring about information for me. They say that they have a personal business matter to discuss with me. They have also called my phone directly so they have access to me. As a result I am suffering from embarrassment and may be discriminated against. The last incident was last Friday where I received a random contact via XXXX XXXX from someone trying to contact me. I have no connection with that person.

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 2021-01-14
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. (WA)

Complaint:
Transunion, XXXX  and XXXX  are purposefully, willingly and knowingly lowering peoples scores and reporting inaccurate information on reports. I get my score of XXXX and then go to the bank the next day and it is 200 points lower for no reason other than they are purposefully lowering peoples scores. I will never finance anything ever again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
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: C/C Financial (PA)

Complaint:
I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Complaint:
I reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 
I have previously disputed this information and received a response that the creditor verified the information. However, this verification was inadequate and violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which governs the accuracy and completeness of consumer credit reports. The creditor and credit reporting agency did not provide me with the name of the person who verified the information or any evidence that the creditor conducted a proper verification. The creditor and credit reporting agency did not update the balance or the date of the account as required by the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 2 ). Furthermore, you failed to conduct a reasonable investigation within 30 days ( or 45 days in some cases ) of receiving my notice and report the results of the investigation to me as required by the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Please investigate this matter and update my credit report accordingly using the Metro 2 format and in compliance with the consumer law from the USC, Title 15, Chapter 41, Subchapter V, which protects consumers from unfair or deceptive acts or practices in connection with credit transactions.

I have enclosed a copy of my identity theft report as proof of identity theft, a copy of my ID, Social security card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Focus Holding Company (TX)

Complaint:
I XXXX XXXX just recently checked my XXXX credit report and discovered a new collection that I have no knowledge of whatsoever.From a company named XXXX with a parent company of Focus Receivables Management. No account number is listed. Neither of which I have ever had an account with or done business with. So then why are they trying to collect an alleged debt from me? Also I was NEVER sent any communication at all from this company about this debt, my right to dispute it within 30 days.Nor any sort of validation on the account. And if so I am requesting to be shown these documents with dates and to what address they were sent because I believe that they weren't. Clear violations of FDCRA.I am submitting:  1.  a screenshot of the entry on my XXXX  credit report.                            2. copy of cease and desist letter sent to them back on XX/XX/2019. They were going by the name XXXX XXXX  XXXX then. Same account number and same alleged original 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 2023-01-18
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. (CA)

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CCS Financial Services, Inc. (IL)

Complaint:
My realtor checked my credit profile and there is a collection on all three bureaus for {$290.00} from CCS COLLECTIONS ALLEGED ACCOUNT # XXXX that does not belong to me I sent CCS a certified letter DEMANDING FOR VALIDATION AND PROOF OF CLAIM and received no evidence of such a debt from CCS XXXX This Notice is being sent to you in response to the reporting on my credit profile which is not VALID. I called the XXXX to verify this debt and no one could give me information on such a claim. Be advised that your reporting is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the The Fair Debt Collection Practices Act,15 U.S.C. 16921692p, and as amended by adding the following new Title 8 USC 802., and the Fair Credit Billing Act, 15 U.S.C . 1666- U.S.C . 1666- All of which work in conjunction with each other, including the XXXX XXXX XXXX ( XXXX ) 15 USC 1601 et seq. In accordance with the Fair Credit Reporting Act Alleged account #, has violated my rights. 15 U.S.C 1681 section 602 A. { States I have the right to privacy. 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I am in the process of filing for {$1000.00} per violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2020-10-15
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. (VA)

Complaint:
experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (PA)

Complaint:
This company has violated my rights as outlined within Section 604 of the Fair Credit Reporting Act. I never authorized this company to pull my information. Please remove this inquiry 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 2018-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (WA)

Complaint:
There is a collection placed by XXXX XXXX. All of my XXXX XXXX accounts were filed in bankruptcy. I believe this account to be erroneous.

Company response to consumer: Closed with non-monetary relief