hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-06-02
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. (FL)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9400.00} ; XXXXDEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$3600.00} ; XXXX/DEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$6600.00} ; XXXX/DEPT OF ED XXXX Date opened XX/XX/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 non-monetary relief
Consumer complaint received 2022-05-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Complaint:
CFPB Write up n 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 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 non-monetary relief
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Complaint:
Someone stole my ID and Social and later opened the following fraudulent accounts in my name : XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX I have already spoke to these companies and they have agreed to remove these fraudulent accounts. I have provided them with my Police Report ( Incident # XXXX ), I also provided them with my Identity Theft Report # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : {$7900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Complaint:
Secured line of credit opened for {$200.00}. {$99.00} deposit was required and paid. Account was blocked and flagged for fraud due to deposit coming from bank account that did not belong to account holder but was authorized. Capital one requested identification, bank statements. Identification was provided and bank statements verifying account ownership was verified. Capital one further requested social security card ; due to extingent circumstances and time constraints a social security card was not obtained and account holder requested the account to be closed. Capital one closed the account ; however there is a credit/refund balance due. Capital one issued a refund payment ; however account holder has since moved and refund payment was returned. Capital one is refusing to update address and has further more requested ssa card, utility bill, and bank statement for account holder! It 's absolutely ridiculous. Account holder only wants to receive balanced owed to them, Capital One has suffered no loss and there is no risk.Account holder has been 100 % cooperative with Capital One ; however Capital One is being egregious with their assumptions of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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. (MI)

Complaint:
In accordance with the fair credit reporting act XXXX account : XXXX XXXX : XXXX has violated my rights. 

15 U.S.C. 1681 section 602a states I have the right to privacy.

15 U.S.C. section604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (MS)

Complaint:
opened a Wells Fargo account online and when you open online you dont get to set your pin they mail you one after they mail the card my mailbox was broken into and card and pin were stolen there were multiple transactions that were made using my card that were somehow reversed except for 2 atm withdrawals and and a cashapp transfer since I never received my card and pin I had no access to my online banking which the thief locked me out of and changed my address my phone number and email address XXXX transfer was credited back to account and stolen again and atm fraud claim were denied and now Im out of about {$2500.00} XXXX XXXXXXXX XXXX transfer and {$700.00} atm withdrawal XXXX XXXX {$700.00} atm withdrawal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
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. (PA)

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : 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 2020-10-15
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: JPMORGAN CHASE & CO. (CA)

Complaint:
Chase Bank has frozen two of our business accounts ( for 2 separate businesses ) with no explanation. They froze the first about 2 weeks ago. We logged in to the account to pay bills and found our account negative {$280000.00}. We spent hours on the phone with about 8 departments, no one could figure out what happened. They finally transferred him to the " executive department ". They didn't know what happened but said they'd look into it. We called them day, they kept saying they didn't have any information. Then, this past Friday  XX/XX/XXXX, they did the exact same thing to our other business account. Again the exec department said they didn't have any information. Our attorney called them and was told that Chase is within their rights to do an investigation and we would just have to wait. These are business accounts. We can't pay our employees. We have operating costs we can't pay. They've put us out of business! We are
going to have to file for bankruptcy because of yhe position they've put us in.

This has all happened with no notice. We have no idea what's going on. Shouldn't a bank have to give you some sort of notification that your funds are being held? And for what period of time? And if there's an " investigation '', why haven't they asked us for documentation that could resolve the issue? They've just left us hanging with no end in sight.

( I have no documents to upload because they haven't sent us anthing )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Complaint:
I sent a letter multiple times to XXXX, XXXX, and Equifax. Here are my tracking numbers : USPS XXXX XXXX, USPS XXXX XXXX, USPS XXXX XXXX, USPS XXXX XXXX, USPS XXXX XXXX, and USPS XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
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. (IL)

Complaint:
My name is XXXX XXXX. I have been battling with these credit reporting agencies since 2021 regarding incorrect information on my reports. I have done all I can do and need help. I've gone to the police and filed a report. I've even gone to the FTC and filed reports but they refuse to do their job. My purse was stolen a few years back at a nightclub and I've had credit issues and ID theft issues ever since. This is effecting my life!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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. (MO)

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX  BANK XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXBANK XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$240.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-06-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : ACCOUNTS ; XXXX  XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed : {$290.00} ; XXXX  XXXX XXXX Owed : {$3100.00} ; XXXX  XXXX Balance Owed : {$3400.00} ; XXXX  XXXX Balance Owed XXXX {$1400.00} ; XXXX  XXXX Balance Owed : {$870.00} ; XXXX  XXXX Balance Owed : {$1400.00} ; XXXX  XXXX Balance Owed : {$10000.00} ; XXXX  XXXX Balance Owed : {$4500.00} ; XXXX XXXX Balance Owed : {$6100.00} ; XXXX  XXXX Balance Owed : {$2700.00} ; XXXX  XXXX Balance Owed : {$5000.00} ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 
XXXX {$3500.00}

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 2023-04-27
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: Fidelity National Information Services, Inc. (FNIS) (TX)

Complaint:
There are MULTIPLE fraudulent items on my CHEXSYSTEMS report. I have reached out to these companies MULTIPLE times in regard to the fraudulent items and they're still reporting on my CHEXSYSTEMS report. 
I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. These accounts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

Complaint:
We make our payments early ( paying minimum due bi-monthly plus alittle extra ). All payments are received before the due date. CareCredit ( Synchony Bank ) is penalyzing us for making payments before they mail the bill out. When this happens they are charging us late fees and reporting negatively to the credit bureaus which is a predatory practice. I have never heard of being penalized for not only paying extra but paying early as well. Payments were due on the XXXX of every month and we paid on the XXXX and XXXX of the prior month. CareCredit does not have their act together and as a result the consumer is penalized. We were able to get them to refund the late charges and supposedly fix our credit reports which we will fllow-up on. They also told us that since they incapable of taking payments early that we need to make payments between when the bill is recieved and the due date. The representative could not tell us a good datew to setup our auto-pay. Additionally they kicked us off of the promotional APR with fixed payment amount because of their bogus late fee. We have another account with CareCredit which has a 0 % APR and we pay ahead on this one as well and this account never has an issue with getting late payments for paying early. This clearly tells me that CareCredit is penalyzing customers for paying early on interest accounts because it means its less interest for CareCredit to earn.

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 2018-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Complaint:
I had issues while trying to make my payments online for my cabelas credit card I was assured that my payment went through over the phone but in fact it never did. I called again after I found out that my payment was over thirty days late via my credit report. Ive disputed with the credit bureaus and that didnt work. The first time I called I was told that no late payments were in their system. The latest time I called I was told that there is two late payments. I should not be faulted for issues with online payments and poor customer service. I closed my accounts as soon as problems started to occur. I will close my second capitol one acount as soon as I pay it off. I will not use them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
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: Navient Solutions, LLC. (OH)

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This just proves that XXXX and XXXX Credit Bureaus are lack proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
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:
Equifax and XXXX XXXX still report account XXXX XXXX despite identity theft report file with XXXX XXXX Sheriff 's Department report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Complaint:
There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items : XXXX XXXXXXXX XXXX  XXXX XX/XX/2022 XXXX  XXXX # XXXX Collection XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-11-17
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. (MA)

Complaint:
I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND XXXXXXXX XXXX XXXX ABOUT THIS. They even have the account DUPLICATED on the profile which is double damaging!! 

I looked over the credit report and found some addresses that appear incorrect.. EVEN ONE OF MY NAMES ARE INCORRECT " XXXX XXXX ''. 

Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ).

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 2022-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Complaint:
Since XX/XX/2020 someone opened credit card on XXXX as my name, and bill went to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Account number : XXXX Seller : XXXX XXXX Merchant : XXXX Current Creditor : PORTFOLIO RECOVERY ASSOCIATES. Balance : {$800.00} But until recently I received this bill at my XXXX XXXX XXXX

Company response to consumer: Closed with explanation