hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

Complaint:
Equifax, XXXX, XXXX are reporting that I was late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, which is incorrect. On XX/XX/XXXX, a payment was made in the amount of {$1600.00}, confirmation # XXXX, which satisfied XXXX and XXXX statements. The due date is the XXXX of every month, which the XXXX payment 6 days early and XXXX payment was only 25 days late, not 30 days as it is being reported. 

On XXXX, a {$870.00} payment was made and XX/XX/XXXX there was a {$880.00} payment posted. The due dates on both payments were on the XXXX of the month, which also confirms these payments were made on time. 


This incorrect reporting is in violation of the FCRA as the payments were made and the proof of this has been provided to the three credit bureaus Equifax, XXXX, and XXXX. The following documentation is provided from the original creditor of the payment and therefore Equifax, XXXX, and XXXX credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n as they failed to accurately validate this information. 

15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies. 
15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied from XXXX XXXX XXXXXXXX and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediately and send a letter to me confirming the removal. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Complaint:
I have been disputing XXXX XXXX account reporting on Equifax XXXX XX/XX/2022. I have made at least two request in the past 75 days for equifax to delete this XXXX account because of the inaccurate information its reporting. The inaccurate information is the months reviewed which is showing 53 months. However this account was opened on XXXX XXXX. The delinquent date is XXXX XXXX. If you count the months starting 30 days after the OPEN date up til XX/XX/2022 is not 53 months! It is 65 months of reporting/reviewed information. And this acct was SOLD but it does not show who the charge off account was SOLD TO as it should! This account does NOT MATCH with the reporting information on XXXX or XXXX. But They are STILL reporting this inaccurate information which has been on my report at least 3 years. This acct is affecting my credit score and have been the reason for me being denied credit. Please take this complaint seriously by contacting this Equifax and making them DELETE this account because they are not reporting according to the guidelines of the FCRA. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appears on Credit Reporting Agency without my knowledge or permission. In accordance with the Fair Credit Reporting Act my rights were violated. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Complaint:
XXXX has reported my account 90 days delinquent although there is a current payment pause that is supposed to be in effect for all student loans at this time per the Biden Administration.

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 2023-03-12
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (NY)

Complaint:
I have been banking with key bank for over two years now and have XXXX accounts and my XXXX account my direct deposit goes in there! over the last several months key bank has decided to charge me a XXXX Atm withdrawl fee every month for over {$20.00}! each month it differs! i have contacted them numerous times in regards to these fees and have got no responses back! i want to know what these fees are for! i use one atm and thats the one at my work because my cafe does not accept debit cards and its cash only! i do get charged a dollar every time i do use the atm so why am i getting charged twice for each withdraw? this should be illegal, this is my money not theres! im sick of these hidden charges! i also would like to know why key bank offers their new customers money to sign up for a account but in the meantime their loyal customers that have been banking with them for a long time only are get money taken from them!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
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. (LA)

Complaint:
These are fraudulent and inaccurate items are on my consumer report. I havent received anything regarding these fraudulent accounts, yet they remain on my report. Someone has stolen my identity, and I have also made filed a complaint witht the police officer concerning this matter, as directed by the represented of your company they also told me to send this FTC paper which is attached. These fraudulent accounts must be removed as they are not mine and are identity theft. I am trying to get my house, so my lender told me they can not be in a dispute they need to be removed, so please remove them as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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: Experian Information Solutions Inc. (SC)

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX and XXXX XXXX XXXX # 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any 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 2023-02-23
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: Experian Information Solutions Inc. (IL)

Complaint:
I called XXXX  ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX  XXXX, representative XXXX answered the call and hung up on me. According to recent CBR, XXXX XXXX XXXX reported a visa account as ( Inactive ), all of the years, from XXXX  through XXXX  in " good standing '', account was closed by me in XXXX of XXXX. They indicate the account was in dispute, under investigation, what is not reported is the investigation was concluded to my satisfaction, and I won the dispute, and the closing account balance was XXXX  where merchant refunded the money to my Visa. 
The XXXX XXXX XXXX  either should report the dispute was resolved to card holder 's satisfaction, or remove it because the seller refunded my account, no final balance there remained. & the fact that I closed the account myself. 
If they insist on the reference to dispute to remain on my CBR, they have to warrant their position by the dollar amount that was charged off against my Visa. However there was a merchant refund, and XXXX  balance. So allegation of charge off or loss to XXXX XXXX XXXX is false and fabricated. Or inclusion of " account under investigation '', is done by XXXX  maliciously, I was the innocent party in the transaction. 
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 2019-08-14
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. (GA)

Complaint:
I was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice an item on my report that is not mine. This item need to be deleted from my credit report XXXX XXXX  XXXX and there are some inquiries also that are not mine XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX and 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 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

Complaint:
XXXX  XXXX XXXX ( XXXX ) did not follow the Office of the Comptroller of the currency regulations ( OCC ). XXXX only stated that the information reported to the credit reporting agencies were accurate. Charging-Off a consumer prematurely without abiding by the OCC rules does not constitute fairness and shows unscrupulous practices. I disagree with the validity of the charge-off. 

I would like to know why weren't the rules of OCC followed and why was my account charged off prematurely. The OCC regulations state that an account can be charged off when any loan has been delinquent for a period of time " or '' deemed uncollectible. Based on my negotiations with BOA representatives, my debt had been reduced approximately {$6000.00} within an 8 month period. I was making payments when the account was charged-off which is proof the account was collectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} - Charge-off XXXXXXXX XXXX XXXXXXXX Balance : $ XXXX Charge-off

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 2022-02-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
I did not consent to authorize nor benefit from the listed account ( XXXX ). XXXX and Remove

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 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Complaint:
To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. 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 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

Complaint:
I have credit issued to me for an overpaid balance. They are refusing to return that amount. I have fought with them over the phone numerous times. They keep hanging up on me and I have not received the amount! 

Citicards.com.

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 2022-11-04
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. (TX)

Complaint:
On XX/XX/XXXX, I received a welcome letter from XXXX XXXX XXXX congratulating me on my {$4500.00} credit limit. Account # XXXX, opened XX/XX/XXXX. I did not received a card or any other information. This is not my account. 

On XX/XX/XXXX, I checked my credit report, and saw that {$3100.00} has been charged on a XXXX XXXX XXXX Credit Card. There is a {$3200.00} credit limit. I was informed that this was an online purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Complaint:
I sent out dispute of information reporting to bureau, came back VERIFIED, sent request for method of verification as my right in accordance with FRCA, no response was given to my request within reasonable time frame ( 15 ) days to ( 30 ) days. Instead an automatic XXXX XXXX response was sent 3 times stating that it had been verified disregarding my request for what method was used to verify this account. That is clearly in violation of my consumer rights even disregarding a solution or anything to the previous complaint I submitted to XXXX. I am demanding that this account be REMOVED PROMPTLY, as they were in CLEAR violation of my rights according to FCRA 611 ( 6 ) ( b ) ( iii ) I have attached supporting documentation. 
Accounts XXXX # XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
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. (NJ)

Complaint:
I sent in a letter regarding unauthorized inquiries on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (AL)

Complaint:
I am not able to get a copy of the Target RedCard credit agreement or terms & conditions. I have attempted to use the website request and also called the customer service number on the back of the card. The representative put me on hold and then ended the call after 7m 24s.

The website gives an error message requesting a valid zip code. I have attempted my 5-digit and 9-digit zip code, neither works.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
In order to follow up on the CFPB complaint I made to the credit bureaus on XX/XX/2022, I am submitting this one. When I checked my credit report, I found that some of the data certain accounts were reporting was inaccurate. The three credit bureaus must verify these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following false information in my credit report needs to be looked into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1500.00}. I want the credit bureaus to update these accounts since they are reporting false information.

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