hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-10-18
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: JPMORGAN CHASE & CO. (NY)

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

11. Identity Theft DPT ED/XXXX Account Number : XXXX This is not mine. 

12. Identity Theft DPT ED/XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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. (MD)

Complaint:
I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX  ( XXXX Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Complaint:
I called Experian and XXXX credit bureaus after I purchased a credit report from XXXX XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there were : XXXX XXXX XXXX XXXXXXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$640.00} on my credit report which are UNKNOWN to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud account on my credit report all this time. XXXX of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent account and have it BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of thief identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2016-01-11
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (KY)

Complaint:
Kay Jewlers will call from blocked numbers, random numbers and blocked numbers at all hours M-S, even at night or very early sometimes 15 times a day.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2021-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NM)

Complaint:
I was notified by National Credit Systems ( NCR ) of a debt I fraudulently owed to the XXXX XXXX apartments in XXXX, TX in XX/XX/2021. I submitted a fraud claim within the month only to have the same debt notification sent again in XX/XX/2021. In addition, the same fraudulent individual used my information again at the XXXX XXXX Apartments. Both apartment complexes are within 10 miles of each other in XXXX. I have never lived in XXXX and have no idea how my information was compromised. I am shocked and disappointed that letters to NCS and the XXXX XXXX apartments have not stopped XXXX XXXX XXXX from fraudulently using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
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: WAKEFIELD & ASSOCIATES, INC. (CO)

Complaint:
I have filed police reports and submitted everything that was requested of me both to the company and the credit bureau and its still remaining on my credit report. I did not have this account I wasnt even in that state when the loan was initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

Complaint:
They ( the original creditors ) refused to provide the original resciepts for me to keep for my records and to make sure they are n't over charging 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 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Complaint:
I have tried too many times to resolve this issue with XXXX. They have a LEGAL obligation to update my credit report with true information and they refuse. If my claim isn't taken seriously I have sought counsel and I will pursue a lawsuit. I think this route will be cheaper for 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 2020-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (SC)

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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: CORELOGIC INC (TX)

Complaint:
I was checking on my credit report when I found out that there are so many incorrect information, and unverifiable information being reported in 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 2023-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-02-02
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: Experian Information Solutions Inc. (FL)

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Bankruptcy Reference # : XXXX DatXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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 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 2022-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

Complaint:
this account was removed by CFPB from all three credit reports due to not being verified as being mine According to the Fair Credit Reporting Act, 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.

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

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 2022-12-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

Complaint:
Hello : Once SunTrust merged and became Truist I began receiving overdraft fees in abundance. On XX/XX/22 I contacted Truist and told the Customer Service agent that their Available Balance info was not being properly updated to include ALL transactions, holds and pending items, despite Truist having a note next to the available balance that reads : " Your available balance is the money currently available to make purchases, withdrawals, and payments. This balance is updated throughout the day with the transactions you make, including pending transactions and holds. It does not include bill pay checks or checks you've written or deposited that have not yet posted. This balance is used in making payment decisions and triggering overdraft fees if applicable. '' Despite that statement, I would later be charged overdraft fees for items listed in " XXXX XXXX Transactions '' as pending transactions when balance available above does not show a negative balance. I have screenshots and phone recordings with the bank. There is no way I should be charged an overdraft fee for a charge that's listed as pending when according to Truist 's statement right next to my available balance, that pending transaction would have been included in my available balance above. Therefore, as soon as that transaction is pending my available balance should've been negative. Yet my balance never showed negative for this transaction. In fact, I received a bank notification at XXXXXXXX XXXX stating my balance was {$19.00}, then at XXXXXXXX XXXX I received a text saying my account was negative {$14.00}. Then at XXXX I checked my account to find it's negative {$42.00}. 

I was also charged overdraft fees on XX/XX/22, XX/XX/22, and XX/XX/22. I truly believe Truist is not accurately reflecting all transactions, holds, and pending transactions in customer available balances. I do not write checks, so that is not applicable to me. These frequent overdrafts make me look financially irresponsible when I am not. I pay my bills early or on time and keep a running budget of expenses, spending, and bill due dates. This should not be happening and I want to close my account with Truist and go to another bank. Myself and many of their customers feel they are crooks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I checked customer complaints online and on XXXX and found many customers have been receiving constant XXXX fees since SunTrust became Truist. I think they are being dishonest in the way they post customer available balances in order to charge overdraft fees. I have screenshots and dates that I'd like to provide. 

Thank you.

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 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

Complaint:
This is my next stop to get the corrections needed on my credit report. About 4 letters and 2 phone calls each have resulted in no corrections so far from Experian, XXXX, and XXXX. LATE payments listed on XXXX to whom just took over the account is not correct. Personal informations listed that I have never resided. The incorrect reporting to my credit file has cost me a promotion and stopped me from growing with the company I work for. This is wrong and I demand it be corrected.

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 2018-06-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Complaint:
XXXX XXXX pilot who travels a lot and has been loyal Bank of America Customer since early XX/XX/2000, back then they had best online bill pay. Signed up or responded to B of A Credit Card offer that had points like XXXX & since I travel a lot I realized I was not getting a bill / paper statement of which I always want not an online bill which disappears when computer has a bad day or lighting or you pick the reason. I called them & they say I choose paperless which I never do since my dad 's business got audited twice when I was a kid and he always said thank XXXX for the paper trail!! I have always had over 800 score until now I have a Adverse Acct. / B of A Credit Card / late of which they blame me when I always have a min. of XXXX to XXXX XXXX  in their Bank which will change soon & Direct Deposit from XXXX XXXX which will change soon. Why would I have Thousands in their bank & have a title of Premier Customer & get a XXXX K limit of which I did not need. Why would I not pay a couple XXXX dollar bill, DOH?? 
I will be switching to my more local banks whose online bill pay has improved & who I can look in the eye if I am unhappy or they can call me if something is late. 
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 monetary relief
Consumer complaint received 2018-03-16
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

Complaint:
I have had a mortgage with Bank of America from XXXX to XX/XX/XXXX XXXX when I paid it off early in full. I have never not once in 13 years missed or been late on a payment. Back in XXXX, I was going to file bankruptcy but changed my mind and did not go to the first court date so it was dismissed that same day its like it never happened. The court has provided me paper work stating so. Bank of America WAS NOT part of the list of creditors I would have paid, had I went through with it. In fact if I were to go through with it I would have to put my house up for collateral therefore I could not claim that debt even if I wanted to. Now all 3 credit bureaus have me defaulting on a XXXX home loan under bankruptcy when I paid it off in full never late XX/XX/XXXX. Bank of America is denying they are reporting me even sent me 2 letters stating they sent this information to all 3 credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX XXXX. I have disputed XXXX, XXXX and XXXX bureaus 2 times to have this taken off and each time they all ( except XXXX took it off finaly ) tell me Bank of America is reporting to them as correct Bankruptcy?? How can this be when they were not part of my dismissed bankruptcy ( all I did was decided not to go through with it and now that's on my credit for 7 years. XXXX money was paid out to zero creditors ) I just called Bank of America Again yesterday and they still are denying they are the ones who are reporting it. Plus they said they had sent in another update stating I have never not once been late or missed a payment. Then today XXXX sends me a letter stating it will remain on my credit because BOA said it's true.How can I get this solved if no one is confessing to reporting it. My last name on my mortgage was XXXX. I have since divorced and it's XXXX on my credit reports. Did someone stop to think this might be a problem causing some if the confusion? But either way I have busted my XXXX and spent hours on repairing it. I feel like neither of these companies have tried very hard or it wouldn't be on there. It's not correct information and Nice way to treat a customer that paid on time and paid the loan off early in FULL. I don't know what to do at this point. Someone is not doing their job or lying to me. I'm thoroughly disgusted how much time and effort I've had to put in trying to get this removed.

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 2022-05-04
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. (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. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have notreceived any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts 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 unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (OR)

Complaint:
I received a call from XXXX advertising their services and offering if I signed up with them they would give me a free tablet. I agreed to their services. They came out to hook up the cable and I asked for the tablet and they said I did n't get one. They lied to me. I told the person hooking up my cable that I did not want their service. the next day I returned the box, modem everything that they left. 
I called XXXX on XX/XX/XXXX once I saw I had a collection from them. They told me that I never called them and canceled my service with them so they billed me for 3 months and than sent me to collection. I did cancel my service and I returned the equipment and canceled my service again. 
I never received anything from the collection company notifying me that I was going to collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

Complaint:
see attached dispute letter I got from the CFPB

Company response to consumer: Closed with non-monetary relief