hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-11-13
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. (FL)

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately. 
XXXX XXXX-Date of inquiry XX/XX/2020 "

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
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: SYNCHRONY FINANCIAL (OH)

Complaint:
I saw a hard inquiry on my credit report from tj maxx/ syncb and Ive never applied for a credit card with this company

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 2023-04-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions 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

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 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Complaint:
There is inaccurate information on my credit report that needs to be removed. Have sent out letters to credit bureau have sent several letters with no response or removing inaccurate infromation.

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 2020-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (CA)

Complaint:
I am writing to request your help with TD Bank. I dont know what else to do. So I hope to have a fair solution to this issue that XXXX XXXX  has cause on my credit score. I tried to solve this with them on XX/XX/XXXX but they did not respond my dispute, and they did not even investigate the account or mark the account as disputer ( violation under the Fair Credit Reporting Act ). 

The account I am writing about is the following : FTC REPORT NUMBER : XXXX Account:XXXXxxxxxx Date opened XX/XX/XXXX. Status Closed. {$0.00} balance. 

I am demanding XXXX XXXX  to remove this related to fraud item or I will need to take this issue to court with all my proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pickett Law, LLC (MD)

Complaint:
I moved to the property where I currently live in XX/XX/XXXX. In XX/XX/XXXX, I received a bill in the mail for water and sewer for the period of XX/XX/XXXX through XX/XX/XXXX. I paid this bill on XX/XX/XXXX. Also, in XX/XX/XXXX, I received a bill in the mail for water and sewer for the period of XX/XX/XXXX through XX/XX/XXXX. Again I paid this bill on XX/XX/XXXX. 

The water and sewer bills recommend to pay the bills on XXXX XXXX XXXX XXXX, XXXX. website. XXXX XXXX XXXX  website recommends to pay the bills through a third party which in my case was XXXX. I have the receipts of payment for both bills from XXXX 

Yesterday, I found in the mail a Notice of Intention to Create a Lien against my property from Pickett Law Firm. I first called Pickett Law Firm yesterday, It was after office hours. I did not get a chance to talk to anyone. This morning, I called again around XXXX XXXX Pickett Law. They put me on the hold until the call ended. I also reached out to XXXX XXXX XXXX XXXX XXXX  after the call to Pickett Law. The lady I spoke to, indicated that the issue is already at the Pickett Law firm level. So, they can't help me. I would have to contact the Pickett Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (UT)

Complaint:
Someone filed a change of address in my name to an address in XXXX Texas. Some of our utility and credit card bills along with our mortgage statement went to the new address. Using the information in them they applied for, and received, credit cards from US Bank, XXXX  XXXX and XXXX XXXX XXXX. They also applied for a card from XXXX XXXX which I disputed before the card was issued. We have contacted each of the banks involved.

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 2023-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (KS)

Complaint:
In XX/XX/2022 I opened a commercial account with Chase bank, after having opened a personal account that there was a problem which also froze my account and they made me open another personal account closing my first account but I no longer qualified for the bonus coupon Welcome, it was disappointing. But the problem did not end there when I opened my business account for my business that started legally in the state of XXXX, did not receive my business debit card and chase financial company has been called to resolve but XXXX requests have been made that they do not I have received a debit card from my commercial account and I was affected by not being able to make my purchases with the commercial account related to my company. They say that it is a mail problem but other entities if I receive mail, then they said that they will request expedited shipping and they they would charge a fee for the shipping and to give another address, so i agreed and gave my old address and they charged me {$5.00} replacement card and to my surprise it was the same card from my personal account replaced not my business debit card, like this I still haven't received my debit card from my business account. I already tried to solve it with them but I don't know what they are playing at.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Foreman Financial Inc. (CA)

Complaint:
FOREMAN FINANCIAL-XXXX I had become ill and was on workers comp for almost XXXX years. I was unable to pay for the vehicle which was purchased for {$9900.00} and I paid {$2500.00} down with monthly car payments of {$250.00}. Due to short pay and hours due to workers comp I was unable to make the payments. Foreman Financial picked up the vehicle XXXX years ago and they are reporting the car as missed payments each month XXXX times and also shows vehicle is charged off but keeps reporting missed payments and the balance amount is false. They keep reporting {$9900.00}, {$11000.00} and {$12000.00} as owed which would mean I never made any payments at all when I did. They keep reporting this which is damaging my credit and I receive alerts XXXX times a month regarding missed payments when the debt was charged off and car was repossessed. Foreman Financial has been sued for their unfair collection and reporting practices and this company still continues to do so unfairly to damage and ruin others credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (IL)

Complaint:
This company is reporting inaccurate information on my credit report. I have no knowledge of this account or to whom it belongs to. I've reached out to them directly asking them to remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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. (GA)

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$910.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/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 2022-10-03
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. (TX)

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 15 USC 1681. 

XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, 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 1681c. ( 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.

15 U.S.C. 1681s-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 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 2023-07-06
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: Experian Information Solutions Inc. (PA)

Complaint:
I, XXXX XXXX , am verifying that I XXXX XXXX is mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything 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 2021-04-06
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: EQUIFAX, INC. (NC)

Complaint:
I contacted via phone and every rep I spoke to told me to send my disputes through mail. I sent my letter on XX/XX/2021 and havent received a response. Im unsure to why I have been ignored. I take my credit very seriously and I need the incorrect information listed on my credit report deleted asap. Being that it has been over 70 days I dont have time for them to do an investigation because it should have already been done. I need the incorrect information deleted as soon as possible and I will not wait another 30 days. This situation has been stressing me out and Im willing to file for litigation if need be if these items arent deleted asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc. (FL)

Complaint:
Received a collection letter AGAIN for a toll from using the PA TURNPIKE - this is now several that we NEVER received any invoice or ANY information that their was any amount owed. AGAIN this HAS BEEN SEVERAL. NO INVOICE- STRAIGHT TO THIS COMPANY FOR COLLECTION-NO DATE, NO PROOF of VALIDITY - NO INFORMATION AT ALL- we receive several of these and no one seems to have any Information from the STATE of PA- This latest letter for collection is dated XX/XX/XXXX. NO one has been to PA since XXXX XXXX then just received this 11 months later. In addition, I registered this car in NC in XX/XX/XXXX and I was told i had " tolls from PA '' and in order for NC to register the car these had to be paid and although they still provided no proof I paid the amount and was proven to NC and was then able to register my car. THESE CHARGES ARE NOT VALID.!!!! I have contacted several employees at the PA TURNPIKE and NO ONE WAS WORKING DUE TO COVID- THIS HAS BEEN A HUGE ISSUE ACCORDING TO MULTIPLE SOURCES at the PA TURNPIKE . This collection agency also have a history " NOT VALID '' claims- XXXX XXXX complaints for this exact issue in just a couple years.

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 2022-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (OH)

Complaint:
On XX/XX/2022 Comenity Bank took the {$37.00} payment for my Victorias Secret credit card. I paid the bill on the XXXX through their app within the Victorias Secret XXXX app. My payment was accepted without a problem. Later in the week, I went to make a purchase because XXXX was having their semi-annual sale. I was unable to log into comenity bank and kept receiving an error message. Today, XX/XX/2022, I tried to contact customer service because they have an incorrect phone number in the system that I noticed when trying to change my password. I kept receiving an error message when attempting to log in. Customer service has a recording that states Due to unforeseen circumstances, our offices are closed. They had no problem taking my money and processing it days later but now no one is in the office to take calls. Their social media channels all have the same script of a planned update that is taking longer than expected. My concern is a security breech, especially seeing they do not have my correct information on file any longer, and not being able to access my account for almost a week. I am now unable to access my account at all. Unfortunately, this is not the first run in Ive had with this company. Back in XXXX of 2022 they started automatic payments from my bank account without my consent. It took days for the issue to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (FL)

Complaint:
I'm complaining about XXXX accounts that was opened in my name that I didn't open up with TD bank I spoke with customer service and she told me that I have to come into their branch with my ID I told her I wasn't able to get to one of there branches due to transportation I am disabled so she told me she wasn't able to help me so I asked her how is it possible for someone to open up an account in my name without showing ID she told me she was able to open up XXXX online so that why I'm submitting this complaint to get this resolved the XXXX accounts numbers I'm referring to is acct # XXXX and acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
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. (TX)

Complaint:
I am submitting this CFPB Complaint to dispute the fraudulent items I notticed beiongreporting on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. The items in question are as follows : XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance {$830.00} XXXX XXXX XXXX XXXX Unpaid Balance {$93.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I can assure you that I did not open these items or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2018-12-27
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: EQUIFAX, INC. (TX)

Complaint:
XXXX XXXX XXXX hasnt reported my credit card account to equifax and XXXX  its been almost two months and i called them and never heard back from them and i closed the fraud dispute and told XXXX XXXX XXXX that this credit card account belong to me and it only been reported to XXXX  and they refuse to report to other two credit agencies and never heard back from XXXX XXXX  account number ending XXXX and i would need this account to be reported ASAP THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (SC)

Complaint:
My In-laws give us Vanilla Gift Cards at XXXX and this year when I went to use it, the money had already been used. I discovered that this is a issue with these cards where hackers just guess numbers until they get through. I tried to open a claim with Vanilla and did all the steps to do that only for it to be denied because the transaction was more than 60 days old. I asked how was I supposed to know a transaction had taken place when the card was just hacked but they did not change the denial. {$250.00} was taken from me and if this is a common issue, they either need to honor the claims or not sell a product that can be hacked so easily.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Complaint:
My credit report shows that an account with Portfolio Recovery was opened on XX/XX/XXXX for the amount of {$580.00} and on XX/XX/XXXX I sent a 609 letter to all three credit bureaus disputing this debt. I have not heard anything back from the company or the credit bureaus yet. I was recently told to check my state 's secretary of state website to make sure that all of the collection agencies on my credit report were licensed or bonded to collect in my state. While doing the search, I found out that they are not.

Company response to consumer: Closed with explanation