hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-11-25
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: EQUIFAX, INC. (NC)

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific items in my credit file that do not belong to me, or that I have signedany agreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following : XXXX 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 Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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. (AL)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # xxxxxxxxxxxx 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 2017-10-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Complaint:
On XXXX, XXXX XXXX to my surprise I received a letter that stated that I had been served with a Continuing Writ of Garnishment and that they would be required to withhold a certain amount starting on XXXX XXXX, XXXX. In the court document, it states that an amount of XXXX remains unpaid to XXXX XXXX XXXX. I have no idea of what this is all about. 

I reached out to a paralegal and they told me to file for a hearing in front of a judge. I was also told to contact you and file a complaint. Then the paralegal told me to file for a hearing in front of a judge to stop the garnishment. 

I am the the head of household with a son and can not afford to have my check garnished for any amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Complaint:
In XXXX, I filed for Forbearance and did the extensions in XXXX. I was 1 month behind at the time of the initial filing which is why I needed the forbearance. I was lead to believe that payment would be included in the forbearance. 

Every month XXXX reported the loan as 30 days late in accordance with that missed payment that should have been rolled into the forbearance. 

Every month XXXX accrued interest on that payment and forced collections on it once the forbearance period was over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

Complaint:
I tried to dispute with Equifax a credit card on my account they showed I owed XXXX , it was actually XXXX and paid off, but they wanted to prove it was me by asking when my report was locked, I looked at my report and it showed no previous lock, but he said it did and I would have to file by mail ... 

Here is the problem : all my credit report said was { File Blocked For Promotional Purposes } The other two credit reporting agencies allow for disputes without having a 10 digit number, I don't understand Equifax 10 digit number cause it doesn't show up on my report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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. (NJ)

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. I have identified several items that I believe are inaccurate, and I request that you investigate these items and take appropriate action to correct or remove them. 

Firstly, I have no recollection of authorizing the credit pull by XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX, respectively. Therefore, I demand that these inquiries be removed from my credit report. 

Additionally, several inquiries were made without my authorization, including inquiries made by XXXX XXXX, XXXX XXXX XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. As these inquiries have reached the statute of limitations, I request that they be removed from my credit report. 

Furthermore, I dispute the accuracy of several accounts on my credit report. Specifically, I request that you verify the payment status, balance, comments, payment history, and account number for the following accounts and either fix or delete them from my report completely : XXXX ( account number : XXXX ), XXXX ( account numbers : XXXX and XXXX ), and XXXX XXXX ( account number : XXXX ). 

I also dispute the account reported by XXXX XXXX XXXX, XXXX ( account number : XXXX ) as I have no record that this account belongs to me. Therefore, I request that this inaccurate information be removed from my credit report immediately. 

Finally, I request that you investigate and correct the incorrect late payments reported on my XXXX ( account number : XXXX ) and XXXX XXXX ( account number : XXXX ) accounts. These accounts were reported as updated, but the same incorrect information is still being reported. 

Thank you for your attention to this matter. I expect a prompt response regarding the action taken to correct the inaccuracies on my credit report. 

Sincerely, 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 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Complaint:
Hello, Experian has been reporting erroneous information on my credit report and and I've tried several times to have this information corrected. I have a public record on my report that is not accurate and have disputed this account and asked for validation several times from Experian. Experian has stated this information was verified by the courts and XXXX XXXX. I initiated an investigation with XXXX  and XXXX XXXX ; both confirmed that this account was not mine or was not provided to Experian. I presented this information to Experian and they have responded with false information, stating the public record has been verified. This should be illegal and I'm considering filing a complaint with my state AG office and will consult an attorney. This is a serious violation of the FCRA. 

Below are the steps I've used to correct this information : XX/XX/2020 I contacted XXXX  to verify verification process related to XXXX  reporting, XXXX  responded on XX/XX/2020 stating they do not verify bankruptcies with third party agencies or Credit Bureaus. 

XX/XX/2020 I submitted a complaint to CFPB concerning incorrect information reporting on my XXXX account. 

XX/XX/2020 XXXX responded with a letter stating the public record was deleted from my file and was not accurate. 

XX/XX/2020 I submitted an online dispute with Experian and attached supporting documentation from XXXX. 

XX/XX/2020 Experian responded to my dispute stating the public record will remain and has been verified. This is a blatant lie! I believe this is a tactic used by Experian to keep erroneous information on consumers reports without actually validating any information. 

My rights have been violated and my next course of action is litigation. I've provided attachments to show proof of my actions and investigation. Please remove this pubic record from my account ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

Complaint:
U S DEPT OF EDXXXX XXXX XXXX, US DEPT OF EDXXXX XXXX, U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, ONLY NAME IS XXXX XXXX, ONLY XXXX IS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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. (NH)

Complaint:
I have been reported dead to the credit agency and no matter what I do I cant get it fixed. Please help XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

Complaint:
Experian continues to manipulate my credit rating. On XX/XX/2021, my XXXX XXXX was " XXXX '' although I have an " Excellent '' credit rating with my creditors. My credit rating decreased by XXXX points on XX/XX/2021, and changed from " Exceptional '' to " Very Good '' for no apparent reason. Experian continues this pattern for no apparent 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 2022-01-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Recovery Systems, Ltd (TX)

Complaint:
received a statement on XX/XX/XXXX for {$160.00} and XX/XX/XXXX {$5900.00} for services received on XX/XX/XXXX. 

XX/XX/XXXX spoke to XXXX XXXX at XXXX Ref # XXXX, amount due is {$38.00}, she requested a corrected statement from XXXX XXXX XXXX XX/XX/XXXX received letter from XXXX XXXX for final notice for payment XX/XX/XXXX check # XXXX cleared bank for amount due {$160.00} XX/XX/XXXX Final notice received from XXXX XXXX XX/XX/XXXX spoke to XXXX Ref # XXXX sent letter stating amount has been paid by XXXX, requested itemized statement XXXX XXXX from XXXX XXXXXXXX XXXXXXXX XXXX faxed to XXXX at XXXX XXXX XXXXXXXX on XX/XX/XXXX SEE XXXX page XXXX of XXXX  XX/XX/XXXX XXXX  sent a letter to XXXX XXXX stating per the contract in network doctors and facilities can not bill for services per their contract XX/XX/XXXX XXXX spoke to XXXX at XXXX XXXX stated XXXX at XXXX sent an explanation of benefits to management at XXXX XXXX XXXX was told not to pay at this time because amount due was to be zeroed  out

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (PA)

Complaint:
I recently obtain a copy of my credit report and notice fraudulent activities. I have provide a copy of my FTC report along with proof of ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$700.00}, {$330.00}, {$190.00}, {$54.00}, {$210.00}, {$22.00}, {$1600.00}, {$190.00}, {$870.00}, {$83.00}, {$1800.00}. 
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 ) -- CLOSED ACCOUNTS -- 1. XXXX XXXX   XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$330.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account. 

4. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$54.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$210.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22.00} -This is not my account. 

7. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1600.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$870.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$83.00} -This is not my account. 

11. XXXX XXXX XXXX/ with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account.

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 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
It is the very tricky fraud Capital One uses to deceive its clients and I want to report it. 

I opened a credit card in XXXX, XXXX XXXX, and received 0 % introductory APR for 9 months. 
My 0 % introductory APR expired on XX/XX/XXXX and my billing cycle also closed on XXXX  of every month. 

I have XXXX in XXXX and I saw a very dubious situation - what happens if I pay my balance in full after XX/XX/XXXX. I called to capital one and asked this question and I received an unambiguous answer : they told me that I would get my statement for XXXX XXXX exactly on XX/XX/XXXX and if I pay it in full during a grace period they would not charge any interest. 

They record all calls I believe. 
I had XXXX balance, I paid in full on XX/XX/XXXX. Today I got my next statement and it shows interest only since I had no charges. 

I am in-furious. I called them and reported this fraud, they said they are willing to write off this interest, but I am mad because of this practice - they lie to their clients. 

They charged the interest, and a supervisor tried to explain me that I should have closed my balance before the expiration of the intro APR to avoid the interest charge, but when I insisted he would listen my previous call to the bank, he put me on silence, and when he returned back he wrote off interest rate. 

I complained that I have no tolerance for that but they do not care. 

They also do another nasty thing - they do not report the date of 0 % APR expiration on statements, you never know when it expires. you only see it online, but not on PDF statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (MD)

Complaint:
Incorrect information needs to be removed and 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 explanation
Consumer complaint received 2019-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
EXPERIAN HAS INFO ON MY CREDIT REPORT THAT IS INACCURATE. 

NOT MINE : XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Complaint:
Hi there, I have had issues with XXXX XXXX not accurately reporting positive activity on my account. 

My score dropped XXXX for 1 late payment and when I made a payment to catch up on the payment it was immediately not shown positively on my account. I also noticed this for XXXX too. I should have gotten points for paying down my credit cards which still shows that the cards were not paid down. And I should be given positive points added to my credit score reflecting this because I am working on building better credit so I can have fair housing. 

I also noticed that equifax did the same thing I paid down 3 different credit cards and positive activity was only given for one card. And for XXXX no positive activity was given. Not having my positive paying reflecting on my credit does not allow me to have fair housing opportunities because of a low score when I hardly have credit and is making efforts in paying down debt to receive positive score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

Complaint:
During my aqua period my debit card was used, upon finding out I reached out to several people in the bank and notified them of the transactions

Company response to consumer: Closed with explanation