hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-03-29
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. (NJ)

Complaint:
I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Complaint:
I purchased a XXXX from a breeder and used my credit card to pay in XXXX. The puppy started having ailments in XXXX and I reached out to the breeder. The store was closed. I even took a screenshot. I had to take the puppy to a vet in late XXXX and paid out my pocket. 
I reached out to Bank of America in XXXX and initiated a dispute. 
I advised I purchased a warranty and the breeder is closed. I realized XX/XX/XXXX that the credit was reversed. Being XXXX weekend, I had to wait till today to call Bank of America. They advised the breeder responded and that because they did not receive a letter of 2nd opinion from me, the dispute was in favor of the merchant. I advised them I could not get a 2nd opinion as the initial vet treated her. I mailed them the invoice specifying the ailments with a prepaid envelope they sent me. At this point, my dispute is that the dog was ill and the breeder was closed, they never called me. 2nd opinion does not matter 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 2023-05-29
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Henley, Lotterhos & Henley, PLLC (MS)

Complaint:
I was contacted by XXXX XXXX regarding an alleged debt owed. This is hearsay as XXXX XXXX has no firsthand knowledge or bore witness to any of my Consumer Credit Transactions. Be it known, that I hereby dispute the validity of said debt in question. In accordance with the Federal Fair Debt Collection Practices Act, 15 USC 1692, XXXX XXXX and Henley, Lotterhos, & Henley, PLLC have been notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. I will work directly with the alleged original creditor to resolve this matter, as warranted. Please take note that I am declining any attempts by or any other collection agency with regards to this matter. In addition, Henley, Lotterhos, & Henley, PLLC are hereby requested to inform and / or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. As mentioned in the beginning of my notice XXXX XXXX and Henley, Lotterhos, & Henley, PLLC alleging that I owe any debt is hearsay and borderline defamation of character because they do not have firsthand knowledge of or bore witness to any of my Consumer Credit Transactions because I have no account with them, nor am I their customer, nor have I ever entered into a legally binding contractual agreement XXXX  XXXX and Henley, Lotterhos, & Henley, PLLC. I request the following information that I entitled under Title 15 USC 1692 ( The Fair Debt Collection Practices Act ). 1. ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. ) What is your authorization of law for your collection of information? 3. ) What is your authorization of law for your collection of this alleged debt? 4. ) Please evidence your authorization to do business in my state. 5. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in initial correspondence.

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 2022-07-10
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 XXXX XXXX XXXX Account # 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 explanation
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 are listed on my credit report : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00}

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 2022-02-13
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. (MI)

Complaint:
I, XXXX XXXX, Living Person And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

Complaint:
In XX/XX/XXXX, I disputed a credit card account that I had not opened, applied for, nor had I ever used with XXXX  XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX acknowledging this dispute was fraudulent and that they had submitted a request that the tradeline be removed from my credit report and to allow 60 days for that to take place. On XX/XX/XXXX, I disputed the XXXX  XXXX account that True Accord had notified me about ( True Accord is contracted for XXXX XXXX ). I sent in the letter to True Accord for verification that this account should not be in XXXX XXXX 's possession and I am not liable for it. On XX/XX/XXXX I received another notification from XXXX XXXX attempting to collect the debt. I responded requesting a cease and desist and that I had already consulted an attorney and was prepared for Litigation if collection didn't cease and the account was removed from my credit report with all 3 bureaus. On XX/XX/XXXX, I received confirmation that collection activity had been halted and XXXX XXXX would investigate. Apparently, this debt has now been sold to Resurgent Capital Services whom I started the whole dispute process over with. Beginning of XXXX, I spoke with a representative who told me to fax in the letter. On XX/XX/XXXX I called Resurgent to obtain the fax number again. At this time, XXXX told me that not only did I have to send in the letter, but I also needed to complete the Fraud/Identity Theft Affidavit and have it notarized and send it back in. I asked XXXX if I did all of that, is it possible that the findings would be different from the Original Creditor? She stated she could not advise, but that my account will only be investigated once I complete that affidavit and there was no way around it. I asked for the account to be recalled to the Original Creditor and XXXX informed me that it could not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (TX)

Complaint:
XX/XX/2018 XXXX : I owe no monies to XXXX City of XXXX or your collection agency and I have no intention of paying {$1.00}. In fact, the hospital owes me {$300.00}. 
I am XXXX I am Medicare I live in XXXX XXXX Housing I am certified XXXX by the State of Texas I live on Social Security Income. 
I have no assets I own XXXX, XXXX in Credit Card Debt. 

The amount in question of {$520.00} is a Medicare Bad Debt reimbursable to the Hospital as a claim to the Federal Government on their annual Medicare Cost Report that they file with the Medicare program. The hospital has an XXXX policy and is only required to make reasonable collection efforts per Medicare Law as explained in the Federal Regulations as explained in the Medicare Reimbursement Manual which I have attached. The Hospital and your firm are forbidden by Law to harm a Medicare recipient by turning an unpaid account over to a Collection Agency who in turns reports the amount to Credit Bureau which hinders a Medicare recipient from obtaining housing due to a delinquency on his credit report. I can not be harmed financially when I am unable to pay. 
Since I am unable to pay, you are required by Federal Law to  return the account back to the hospital. Further collection effort has been exhausted by law and you and the hospital are breaking Federal Law by damaging me in any way from obtaining housing by reporting the amount to any Credit Bureau. 

I have attached the appropriate section of the Provider Reimbursement Manual governing the reimbursement of Medicare Bad Debts by the Hospital. And because your company and the hospital are fully knowledgeable and aware of this Federal Policy about the Federal Law regarding a Hospital claim for Federal Reimbursement for a Bad Debt related to a Medicare recipients Deductible and Coinsurance, you and the hospital are in violation of Federal Law and are now being reported to the Consumer Finance Protection Bureau. 

Furthermore, the hospital extorted {$300.00} from me before my operation when they knew I was XXXX. Therefore, the Hospital can now be sued in Small Claims Court in XXXX County, Texas which I intend to do along with a claim for XXXX my XXXX XXXX XXXX in an operation at their facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OH)

Complaint:
On XXXX I XXXX  chime to see why in my chime app it had said card delivered but when I checked my mail i never received it so that is when I dialed XXXX the number on XXXX with the chime logo XXXX etc, ,THEman answered & said hello this is XXXX how can I help u, I then informed him that my card said it arrived but I never received it so he then stated I would need to do a secure verification where I send the funds to the secure account & then the fund would go automatically to my temporary card that they send u virtuall.I was under the impression I was talking with a chime representative, I have direct deposit thru chime for my paycheck this is my 4 year with them this is absurd.I disputed it 4 times to get the same run around & the last time I asked to speak with a manager or supervisor he got on the line & stated no customers never receive the money back like I thought that was very unprofessional I would never to business with chime after this nor will I recommend then to any one

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (FL)

Complaint:
as was my prior complaint # XXXX I did not authorize any inquiries and these were not removed These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-02-03
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: EQUIFAX, INC. (CA)

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 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following accounts and inquiries from my credit report 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 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp (DE)

Complaint:
CIC has stolen my personal private information and shared it without my permission. Sold my personal rental records without my permission, obtained and published my private personal information without my knowledge or permission. Published false and misleading documents to potential landlords causing my denial of housing based on inaccurate information regarding XXXX XXXX XXXX Placed active judgements on my rental record when there are none. Will not allow for disputes to be levied on their website. I demand that all records be deleted immediately, and not report, or collect my information without express written consent or legal action will follow for aggravated identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (KS)

Complaint:
Sometime ago I had car insurance with XXXX, I had this insurance for about 2 months and then I decided to cancel my policy by phone, which XXXX recently told me did not happen, when I know I spoke with a XXXX agent to cancel it. I recently spoke with a XXXX agent and this agent asked me why I cancelled, even when this person at first claimed that they did not have a recorded call of me cancelling my policy. 

I told this agent that the reason why I cancelled was my choosing and an explanation from me as to why I cancelled was my business. 

Just yesterday, XXXX/XXXX/2016 I see that

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Complaint:
ID theft victim Another account on my report XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} This is not my account/Fraud i have added my Id theft reporrt as well

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 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Complaint:
On XX/XX/2020 I sent a letter regarding unknown and inaccurate things on my credit report. To date, over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored on my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately removing those items from my credit report. It has been a over 30days so they should be deleted promptly. I demand these items be deleted immediately or I will move forward with filing litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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. (PA)

Complaint:
I am a victim of identity theft since XX/XX/XXXX. Checking account and saving account was not impacted by this. Individual took out personal loan and opened bank credit card in my name. I have been alerted of multiple inquiries that individual has attempted to take out additional loans in my name.

I've taken all necessary actions best to my knowledge to have this resolved. I reported identity theft though the 3 credit bureaus, IdentityTheft.gov, ssa.gov, and my local police station. I froze my credit with the 3 bureaus, closed my bank accounts and created new. 

Here are details of the accounts opened fraudulently : XX/XX/XXXX Account Balance {$9100.00} Account Number XXXX Address XXXX XXXX XXXX, XXXX XXXX OH, XXXX Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed a fraud dispute on this account XX/XX/XXXX through XXXX. A dispute was filed through XXXX XXXX on XX/XX/XXXX. After investigation, XXXX concluded that I am not responsible for this dispute balance amount on XXXX XXXX. Complete and notified on XX/XX/XXXX. 


New Inquiry XX/XX/XXXX / New account XX/XX/XXXX Account Balance {$9600.00} Account number XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX Creditor Name XXXX XXXX XXXX XXXX  Industry Type Personal Loans Companies I filed a dispute through XXXX XXXX for this account XX/XX/XXXX with no update. I filed a second dispute through XXXX XXXX on XX/XX/XXXX that was submitted to TransUnion. on XX/XX/XXXX I received results that the dispute information was verified as accurate and Transunion did not change my information. This is the last and final dispute that has not been resolved. This account is significantly impacting my credit score negatively. 

I am XXXX XXXX XXXX and have never owned a credit card. The only loans I have are XXXX loans. I am recently XXXX and me and my husband are not able to purchase our first home because of this. In addition, I am unable to get my first credit card to improve my credit score since I do not qualify.

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