hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-01-30
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:
file ftc report on fraud account ftc report number XXXX sent to all three credit buearu they removed account from derogertory and placed it as closed but derogertory would like account removed and blocked company name XXXX XXXX DATE OPEN XX/XX/2015 AMOUNT THEY SAY I OWE {$420.00}

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 2023-04-27
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. (LA)

Complaint:
See Attached!! After recently submitting a dispute to your agency I see that these following accounts have come back verified when theres nowhere on my consumer report that states when the account was verfied. As a consumer it is my right to know what methods of validation was used to verify these accounts are in fact because these accounts are very much giving fraud and are not mine! If you can not provide the MOV to the below questions I must immediately demand the permanent removal of this/these items from my consumer report!.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Complaint:
I have tried to contact this company multiple times and filed dispute with the credit reporting agencies and have not gotten anywhere. Whenever I have called I reach someone that I have a communication problem with and they are not able to help me. They put me on hold for long periods of time and calls are constantly being disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
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. (CT)

Complaint:
- The FTC site says that I can go to XXXX to download my credit reports from Equifax, XXXX, and XXXX. I did that for all 3 agencies.

- There was incorrect information on all 3 reports. I called up each agency and they told me that they have different information and that XXXX does not have the latest credit reports. The wrong information on the reports from XXXX has been on those reports for years. 
- I do not want to have to create an account with these 3 agencies just to download my credit reports, but all 3 told me that I have to do that to get the reports with the real and accurate information. I understood that by law I should be able to download my credit reports.

- I also don't want to spend hours calling the 3 agencies to get my credit report.

- In addition, I don't know which version of my credit reports are being communicated to those that are checking my credit. There should only be one official version of my credit report not multiple versions. How do I know that companies are getting the right version of my credit report if there are multiple versions on the agency 's sites vs. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
Original Creditor : XXXX XXXXXXXX XXXX, Account/Card # XXXX, Original Debtor : XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX Account/Card # XXXX, Original Debtor : XXXX, XXXX XXXX, Original Creditor : XXXX XXXX XXXXXXXX, Account/Card XXXX XXXX, Original Debtor : XXXX, XXXX XXXX, These accounts have been purchased, and should reflect paid on credit report. 

THE FAIR CREDIT REPORTING ACT 623.

Responsibilities of furnisher of information to consumer reporting agencies 68 ( 15 U.S.C. & 1681s-2 ) Duty of Furnishers of Information to Provide Accurate Information ( 2 ) Duty to correct and update information. A person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transaction or experiences with any consumer and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

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 2018-04-24
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. (GA)

Complaint:
I submitted a dispute to Equifax on XX/XX/XXXX. I have confirmation of the receipt of this dispute from the post office and Equifax. This dispute was for XXXX XXXX Account number XXXX. Equifax opened the investigation on or about XX/XX/XXXX-XX/XX/XXXX. They were unable to verify as this is not my account. I have submitted documentation and police report as well to this affect. As of today, XX/XX/XXXX Equifax has re- opened the investigation, which is now allowing an additional 30 days to verify the account. This is against the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

Complaint:
I thought I was ordering a free annual report in XXXX of this year.from Experian. Turns out it was a free trial and since XXXX they have charged me {$25.00} a month!! 

Angry that the same credit reporting agency that allows thiefs to steal personal data is itself a thief. 

Outrageous scam on victims of identity theft by a credit reporting agency

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 2020-09-02
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$6200.00}, {$3100.00}, {$24000.00}, {$11000.00}, {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- STUDENT ACCOUNTS 5. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
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. (CA)

Complaint:
In accordance with the Fair Credit Reporting Act XX/XX/XXXX( Account # XXXX ) XXXX XXXX XXXX ) ( Account Status Now Closed- Date XXXX Open- Monthly 658.00 15 U.S.C 1681 section 602A. States I Have Rights to Privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b : A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (MD)

Complaint:
ERC keeps trying to collect for a debt supposedly owed to XXXX XXXX. This is not a valid debt. It is an accounting error on XXXX part. It stems from their in store employees wrongfully issuing a separate account when I joined my family 's family plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Complaint:
I recently purchased my credit report as I am trying to prepare to purchase a home and notice this company reporting a supposed collection account from XXXX XXXX. I have never entered an agreement with Portfolio Recovery and do not owe them anything. I demand that they cease and desist communicating with me and provide proof that this alleged debt is valid. I demand to see the agreement between XXXX XXXX and portfolio giving them authority to collect this supposed debt. I also want a contract with my wet signature confirming I have a legal obligation to pay Portfolio. They can also include the contract with my wet signature showing an obligation to XXXX XXXX. I am entitled to know if they were any insurance claims made by the alleged creditor about this account and if there are any judgements regarding it. If so I demand to see sufficient proof of service. On top of this, XXXX is reporting all different information to the bureaus. I assure you my disputes were not resolved because I did not validate this alleged debt. XXXX XXXX allegedly charged this debt off and I have not received a 1099-C for their write off!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
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. (CA)

Complaint:
I have 2 fraudulent accounts. the bureaus just ignore me

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 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IA)

Complaint:
Last summer I was one month late on paying an {$80.00} balance on my XXXX  XXXX XXXX  XXXX XXXX XXXX credit card. I was in the process of moving, switching checking accounts, and forgot to change the autopay setup. Again, my payment was only one month late and I paid the late fee. That {$80.00} represents <1 % of all of the credit I have used with XXXX over the past 8+ years. 

Still, it appears XXXX reported this late payment to the credit agencies ( or at least Experian ). As you can see in the attached screenshot, this one late payment resulted in a >15 % decrease in my FICO credit score. At the current rate, my credit score will take at least two and a half years to recover. 

I have repaid thousands of dollars of debt ( including XXXX in student loan debt ). One late payment of {$80.00} should not result in this big of a hit. This one month late payment - and its impact on my credit score, turning it from very good to fair/good - would probably translate into a 1 % difference in a mortgage interest rate. That in turn would mean dozens of thousands of dollars in additional interest over the life of a mortgage. All for missing an {$80.00} payment by one month!!!! ( And actually, technically I just missed the minimum payment, which is what maybe {$25.00}? ) This is usury is the highest degree.

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 2017-10-25
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 (TX)

Complaint:
cap one and XXXX inaccurate information on my credit violation of cra and hippa

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Complaint:
FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO MY FILE WHILE I WAS XXXX, I NEVER BENEFITED FROM THESE ACOUNTS OR INQUIRIES.

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 2021-01-08
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: BMW Financial Services NA, LLC (TX)

Complaint:
BMW has made an inquiry on my report which I did not authorize. I have tried to contact BMW with the address they have provided XXXX and the address is wrong. I have sent many correspondence to XXXX and BMW and BMW has not replied to any.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (NJ)

Complaint:
I was notified by phone on XX/XX/XXXX by Midwest Recovery Systems that I owed an outstanding debt of {$450.00} and to call XXXX. When I called I was informed that they were a debt collection agency that had acquired my debt on XX/XX/XXXX from a payday loan from XX/XX/XXXX from XXXX XXXX  and that they had just put the debt collections on my credit report. When viewing my credit report Midwest Recovery Systems list the date of the debt as unknown ( instead of XX/XX/XXXX ). This debt, which I disputed as I was unemployed XXXX and never received a payday loan during this time, would be coming off my credit report in 11 months even if I lose the dispute, but where they fraudulently submitted unknown for debt date it will remain for the next seven years. They also told me that I can not dispute the debit until I pushed and became angry. The statue of limitations to collect a debt in NJ is also 6 years and yet they submitted date as unknown when they clearly know what the date is as they reported it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (FL)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CO)

Complaint:
This issue is related to my Macy 's credit card. I always pay all my Credit card balances on time but on my Macy 's credit card they have charged {$2.00} interest fee and I was not even aware of that. due that I got hit XXXX point on my XXXX XXXX which is totally wrong. I am planning to buy a home soon and due to this wrong charges my XXXX XXXX went down. XXXX The moment I got to know about the charges I have paid them immediately XXXX Please do the needful. 

Appreciate your support! 

Thanks 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 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-03-23
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: Allied Collection Services, Inc. (Nevada) (NV)

Complaint:
I Supplied XXXX with detailed information and Legal Federal regulations in reguards to the cares act it took them over 30 days and I recieved back the same results I spoke with a lady on XXXX XXXX @ XXXX XXXX confirmation # XXXX and stated they have to remove this imediatly as Allied Collection has not provided anything relevant to proceed with the negative report XXXX is operating against federal reporting guidelines

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 2023-01-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP (FL)

Complaint:
I ask the company for specific paperwork to send me and didn't receive. 
Violated my rights

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