hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-03-09
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. (FL)

Complaint:
I have anunverified account from XXXX XXXX  I had previously disputedthis account. I have never done business with XXXX XXXX Pursuant to the Fair DebtCollection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debtpurport I owe.I request that XXXX XXXX provide verification of the following : 1.The original Application or contract ; 2.Any and all statements allegedly related to this debt ; 3.Any and all signed receipts ; 4.Any and all canceled checks ; 5.Original date of default and collection activity begin 6.Whether you purchased the debt, and if so, the amountpaid for the debt 7.The date ( s ) the debt allegedly accrued ; 8.An itemization of thecosts, including an accounting, forany additional interest, charges, or other fees placed on this account. I want to requestthat XXXX XXXX  Cease and Desist all further communications and collection activesand provide the verification of the purported debt.

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 2020-10-26
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: EQUIFAX, INC. (SC)

Complaint:
I mailed in a copy my dispute letter to equifax on XXXX. It has been over 30 day and I have not gotten a response. I have Uploaded A copy of the letter and a copy of my driver 's licence and A utility bill

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Complaint:
Please Help! Capital One has furnished a charge-off on my consumer file that does belongs to me. As stated before I never authorize this account. I have attached a copy of debt validation Exhibit A. Exhibit B a letter from Capital One stating that the account in question was taken over the phone or the internet. Exhibit C and FTC report, Exhibit D a letter from Capital One stating that they are closing the account. Exhibit E is a letter from Capital One stating that they will be forwarding my fraudulent application to their fraud department which they never did. Exhibit F is a cease and desist letter to Capital One which they continue to violate. Capital One just placed an account on my consumer file with the attempted to ruin my credit worthiness without being able to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
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: NAVY FEDERAL CREDIT UNION (FL)

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
/ :. NAVY FEDERAL CREDIT UNION ACCT NO : XXXX PLACED ON MY XXXX CREDIT REPORT. 
/ : .NAVY FEDERAL CREDIT UNION ACCT NO : XXXX PLACED ON MY XXXX CREDIT RPORT. 
/ :. NAVY FEDERAL CREDIT UNION ACCOUNT NO : XXXX PLACED ON MY XXXX CREDIT REPORT. 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. 15 U.S.C. 1681 C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 45U.S.C. 1681 S- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Complaint:
I checked my personal credit report, which I acquired from the three bureaus on XX/XX/XXXX and I noticed multiple unauthorized credit inquiries had been made. 
I contacted all parties involved, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the following companies who made an inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX, Inquiry date : XXXX XXXX, XXXX, XXXX XXXX, Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/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 2022-06-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately :

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 2023-05-19
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. (NC)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and listed on my credit report XXXX XXXX Balance : {$250.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (OK)

Complaint:
In or around XX/XX/XXXX-XX/XX/XXXX, ( can't remember exactly dates due to having mild XXXX from military service ) my wife and I had secured phones with XXXX XXXX, however, upon getting to our house and that following week, our services and phone signal was not-existent, calls were dropped, couldn't get a signal, so I contacted their customer service and was relayed to their technical service department. They opened a ticket and they researched why our services wouldn't work at our house. The response from them was this, their equipment in our area was old, does not work well and they aren't going to update soon. The equipment was their cell towers, the field techs confirmed that their services was not right for us. We took this to their customer service, it was escalated to their management team, it was agreed that we take our equipment ( phones ) back to the store and all contracts would be dropped due to their services would not be available at our residence. My wife owns her own business and her phone is her lifeline, I am in the military and mine is too me as well. We left that day with no contract with XXXX XXXX and no balance, we immediately went to XXXX and was with them up until we moved to XXXX XXXX XXXX 2 years ago. This is an attempt to get money out of me that this company has no contractual agreement to nor do they have any legal recourse to do so. This should be deleted IMMEDIATELY and XXXX XXXX should CEASE any and all attempts to steal illegal funds from me. Their illegal reporting is causing undue harm to my credit and is defamation of credit.

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 2020-01-17
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: EQUIFAX, INC. (TX)

Complaint:
On XX/XX/XXXX, I sent Equifax a dispute via certified mail regarding an account with XXXX XXXX XXXX XXXX that was showing inaccurately on my report. The account was showing an inaccurate date of last payment of XX/XX/XXXX, a comment that I never made the first payment on the account, and an incomplete and inaccurate payment history. As of today, XX/XX/XXXX, Equifax has not completed the investigation of this account. I have disputed this account several times and the inaccuracies are still present. Equifax has violated the FCRA by not completing my dispute within 30 days and by failing to investigate obvious inaccuracies on the account I disputed. I called Equifax on XX/XX/XXXX and informed them that the 30 day period had ended. The representative on the phone looked up my dispute, which has a confirmation number of XXXX, and confirmed that Equifax was still investigating and that there was nothing he could do to fix the situation. Attached is a screen shot taken today showing the investigation was still pending as of XX/XX/XXXX at XXXX and that the dispute was received and processed by Equifax on XX/XX/XXXX. The extra time is not the only issue here : Equifax has repeatedly verified inaccurate information relating to the XXXX account on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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. (TX)

Complaint:
I recently pulled my credit report and noticed that you are reporting against the FCRA standards. How can Ipossibly owe XXXX balances from XXXX companies for XXXX account? Please explain to me how I owe this debt to XXXX people? It seems to me as if you are unclear yourself otherwise you wouldn't be reporting these erroneous accounts.You have been reporting this error on my account damaging my credit. 

Please delete BOTH of these accounts from my credit report immediately. I would like to resolve this before I consult with my attorneys to pursue legal action. 

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 2020-09-11
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:
They are reporting a 90 day late payment for XX/XX/2020 when I paid on time in XX/XX/2020. How can I pay on time in XX/XX/2020, and then become 90 days late for XX/XX/2020? From my understanding, I would have to have been 3 months late to receive a 90 day late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
I am contacting your agency because I am having a tremendous problem with all 3 major credit bureaus inaccurate credit reporting which is affecting my credit scores. I am a victim of identity theft and I have made these companies aware of the situation but yet and still they keep allowing fraudulent credit inquiries on my credit report which lowers my score normally this happens right after I report the credit agencies to your company for falsely reporting on me. Please force these companies to remove the fraudulent inquires off my credit reports and raise my score to where it is supposed to be. Because these inquires I am going to list do not belong to me and I had no knowledge of XXXX/XXXX  Inquiry : XX/XX/XXXX XXXX also destroyed my credit there were two applications that were done and it's fraud please remove it off my credit report I am supposed to be called to verify information when someone applies for credit in my name because someone has stolen my identity XXXX XXXX XXXX/XXXX  ( XXXX ) XXXX And these accounts listed below are also fraud XXXX XXXX Reported : XX/XX/XXXX + {$390.00} Closed XXXX XXXX/XXXX  Reported : XX/XX/XXXX + {$420.00} Closed XXXX Reported : XX/XX/XXXX +  {$420.00} Closed Hide closed ( 3 ) And I want these removed at once because they do not belong to me and are fraudulent

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 2021-01-13
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. (CA)

Complaint:
XXXX XXXX Balance Owed : {$1800.00} This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account. 

XXXX XXXX Balance Owed : {$2800.00} This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX Balance Owed : {$1000.00} This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX  XXXX Balance Owed : {$160.00} Reporting unknown which means it's incomplete, please delete this 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 2018-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

Complaint:
In XX/XX/2014 my father died. A person ( now deceased ) removed monies from a Chase savings and checking account that belonged solely to my father. That Person was not signator. Chase has repeatedly refused to explain or provide an accou t beneficiary form. these are the two accounts # XXXX {$9600.00} # XXXX {$6600.00}. The estate of XXXX XXXX is now closed as the heir I am requesting the the CPFB have the bank Chase # XXXX return the stolen monies. The bank had no right to release any of that money and they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (MN)

Complaint:
I contacted Diversified Adjustment to dispute the debt. On their notice is explicit writing that says call or write us to dispute the debt. Their customer service rep said I could only do this by visiting their website but it clearly states that I can do this by calling them directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Complaint:
I have been a victim of identity theft and I have a number of fraudulent accounts on my report that I did not authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
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. (NJ)

Complaint:
XXXX XXXXXXXX XXXX XXXXXXXX is reporting two duplicate accounts to Equifax, XXXX, and XXXX. Both accounts are in chargeoff status. It is the SAME account reporting twice to ALL THREE bureaus, impacting my credit score in extremely injurious ways as my home purchasing process was stalled as a result of the erroneous entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
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: Santander Consumer USA Holdings Inc. (OH)

Complaint:
My credit report shows multiple hard inquiries on XX/XX/2021 for auto financing. I did NOT authorize any of these banks to run my credit. I am suspicious that a car dealership illegally sent my information to these banks without my consent and attempted identity fraud. Regardless, I have no knowledge of any application sent to the banks and did not apply for credit with any of the banks. Below is a list of inquiries from XX/XX/2021 on my XXXX  credit report. 

XXXX XXXX Santander XXXX XXXX - XXXX applications on same day! 
XXXX XXXX XXXX XXXX XXXX XXXX is a list of inquiries from XX/XX/2021 on my XXXX  and XXXX  credit report. 
XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
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. (FL)

Complaint:
I have two loans with XXXX XXXX XXXX. They were both purchased and enrolled the same date and due the same month. I do make both payments the same date and for the same period at the same bank. I have always made the required payment. However, for some reason, one of my loans has been showing up consistently late for the past 8 months, since XXXX of 2018. I requested correction, made numerous of phone calls, spent lots of hours on hold and spoken with almost about 30 people including senior managers but they all seem to not understand how to correct the error on my account. I last file a credit dispute in XXXX to both credit rating agencies for correction because their irresponsible behavior impact my credit rating. The rating agencies temporarily made an adjustment to my credit because XXXX XXXX XXXX could not prove me wrong. Whatever, XXXX XXXX XXXX did at the time, it seem the did not correct the problem in their system. Since my last communication with XXXX XXXX XXXX in XXXX, I recently check my credit reporting and it shows I am again 3 months late with my payment and one month of no payment. This is really frustrating and I am getting nowhere at this point.

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 2019-10-28
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. (SC)

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
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:
After looking at all of my credit reports i noticed accounts that i didnt recognize, i have had my information compromised a while back and i think some information has been falsely used. Please remove the following account and account number from my report. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Complaint:
An account with XXXX XXXX was opened with a deposit of XXXX us dollars. The card only had a limit of XXXX which included my deposit that was in XXXX, It was passed on to portfolio dept. collection. On my credit report today they have it as the account was newly opened in XXXX. I have disputed it more than once and the dispute results that they agreed to take it off. They haven't and are still calling me for XXXX just this pass month

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (NY)

Complaint:
XXXX XXXX XXXX And Eastern Accounting System submitted a false workers comp statement to the credit bureau for {$200.00} which made my credit score drop 92 points. I tried contact both companies to remove the inarticulate information for my credit file. Workers comp bill should not be sent to collections and I also never received any written letter from XXXX XXXX or Eastern According System. The federal Fair Debt Collections Practices Act prevents debt collectors from engaging in abusive, deceptive or unfair debt collection methods. This method was unfair and it damage my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation