hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Complaint:
I was trying to get a pre approval for mortgage and when my credit report was run, it showed that I had a late payment at XXXX XXXX, even though underneath that information was the monthly payment calendar showing I made each payment. This caused me to not be able to be pre approved. I have been rebuilding my credit and in fact, have been paying XXXX XXXX early. I sent the paperwork they told me to dispute this and have heard nothing. The only issue I had with XXXX XXXX ever was a direct debit issue with my Credit Union last year that was resolved. I need them to remove that late payment blemish on my Experian credit report ASAP. I filed a claim with Experian also and have not heard back. This is criminal that a credit card company can miss report something and it affects my ability to get a mortgage and miss out on a great opportunity of a home I was interested in. 
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX PA XXXX XXXX XXXX XXXX last four digits  XXXX 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 2021-05-27
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. (CT)

Complaint:
i filed ftc report for inquiries i did not consent, recognize, nor authorize.

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 2023-06-30
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. (NC)

Complaint:
I reached out to XXXX XXXX about account # XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is XXXX!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!

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 2022-02-23
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. (PA)

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. 

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. 

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. 

In accordance with the Fair Credit Reporting act 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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. 

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 2020-02-10
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. (NV)

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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. (LA)

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-02-16
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: EQUIFAX, INC. (WA)

Complaint:
1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 
2. Identity Theft XXXX XXXX XXXX XXXX    Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. Identity Theft XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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: EQUIFAX, INC. (CA)

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (TX)

Complaint:
I mailed Santander on XX/XX/2021 and filed my FTC report to verify a debt that was reported in the amount XXXX that was never verity and they sent the debt to a debt collector. They are in violation of 15 usc 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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:
I was about to apply for credit and looked at my credit report and was amazed at all the inaccurate and false information in direct violation of the Fair Credit Reporting Act. On the Attached Identity theft report the listed accounts has violated my state and federal protected consumer rights to privacy and confidentiality under 15 USC 1681. This law says i have the right to privacy and under 15 USC 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In addition, 15 USC 1681c ( a ) ( 5 ) 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. And lastly under 15 USC 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 reason to believe that the information is inaccurate. 

Accounts for deletion : XXXX XXXXXXXX reported XX/XX/XXXX Past due {$2400.00}, Accounts for deletion : XXXX XXXX reported XX/XX/XXXX {$4000.00} Accounts for deletion : XXXX XXXXXXXX reported XX/XX/XXXX Account for deletion : XXXX XXXXXXXX reported XX/XX/XXXX {$700.00} Accounts for deletion : XXXX XXXX ACCOUNT FOR DELETION : XXXX XXXX REPORTED XX/XX/XXXX {$590.00} ACCOUNTS FOR DELETION : XXXXXXXX XXXX XXXX reported XX/XX/XXXX {$18000.00} Accounts for deletion : 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 2022-01-18
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. (GA)

Complaint:
I was looking over my credit report, and I noticed some inquiries that I did not authorize or make I believe I may be a victime of identity theft. 

I did not do these inquiries listed below : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

Complaint:
This is the second complaint that I. am writing to the CFPB in regards to this issue of fraud that occurred while I was in the XXXX XXXX for the month of XXXX and XXXX XXXX. I ask Chime for proof of my signature and a copy of my passport and they have not given me these proofs that show that I made any transactions in that country. I need actual receipts and a signature and a copy of my passport showing the validity of these fraudulent charges. 

I want for CFPB to publish this everywhere so everyone can see how awful, unjust and crooked is chime. They are the worst of the worst and I want to start a class action suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
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: Experian Information Solutions Inc. (GA)

Complaint:
RE : Incorrect trade lines reporting To whom it may concern : I checked my report for accuracy and saw an account from XXXX XXXX XXXX for Original creditor : XXXX in the amount of {$1800.00}. 

According to the FCRA Section 609 ( a ) ( 1 ) ( A ), XXXX, XXXX and Experian are required by law to verify and validate all accounts reporting through physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable proof, an original signed contract with my signature, you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of the verifiable proof, you must remove the account listed above. 

I demand the following account XXXX XXXX XXXX for Original creditor : XXXX be removed within XXXX business days.

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 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (HI)

Complaint:
The attached document account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXXXXXX XXXX account : Please remove all of the inquiries as stated above, as they are listed below from XXXX report XXXX The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
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. (VA)

Complaint:
In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX XXXX XXXX Acct 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Complaint:
I previously had a state lien in the amount of XXXX that had been released and removed from my Credit Reports because it was paid and everything. It was removed from all XXXX credit reporting bureaus. It was removed sometime back in XXXX XXXX. Upon going to check into my scoring and accounts the week of XXXX XXXX, XXXX I discovered that Equifax had placed this back onto my credit file without my knowledge. They are the only bureau to do this. I immediately called Equifax to discuss disputing this since it had been prior removed and a dispute was placed by an agent there. I do not believe it was done correctly though as he was not entering in all of the information that I was trying to tell him. I received the " result '' of the said dispute today and absolutely nothing has been done to this account. This is rendering me as even though it has been paid, it still gave me a big hit being placed back onto my credit without my knowledge. I do not find that this is even legal to do this, especially when the other reporting agencies are not reporting it and I have paid all of my debt to this a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (CA)

Complaint:
I noticed on my credit report XXXX XXXX which Jefferson capital bought the debt. It appears on my credit report as an collection which they never validated the debt claiming I owe. I tried disputing online but it doesnt help. They say I owe {$1000.00} and I reached out several times but nothing is being updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

Complaint:
EQUIFAX CONSUMER SERVICES LLC continues to list a fraudulent account ( XXXX  XXXX XXXX account # XXXX ) from XXXX XXXX XXXX XXXX on the credit report of XXXX XXXX ( last four ss # XXXX ) .This matter was settled in a court of law 3 years ago ( judgment attached ). EQUIFAX CONSUMER SERVICES LLC agrees that XXXX, XXXX can pursue legal action against EQUIFAX CONSUMER SERVICES LLC if said account is not removed within 7 days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$25000.00} ; XXXX XXXX XXXX Balance : {$350.00}.

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 non-monetary relief
Consumer complaint received 2022-02-24
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. (CA)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX 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 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
I have a student loan thats discharge and its still showing up on my credit report saying i owe XXXX and was late .The school close down and my loan was discharge with oweing no money XXXX XXXX IdXXXX .its not fair its bringing my score down badily

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 2023-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

Complaint:
Back in 2022 I think it was someone took money from my bank account without my permission or authorization by hacking into my XXXX account and i contacted XXXX and they told me to contact my bank which i did and the amount was almost XXXX dollars which is almost all the money I had and was saving for a special occasion... .I had the same issues before with XXXX and XXXX and changed my password so many times but this person kept getting in there some how ... ..it 's not my fault and should not be paying the price for this ... .whoever banks with this bank better watch out cause they are giving people permission to steal money from you and they do not care .... 
Oh and their way of handling my issues with these apps and having this happen is to close my account and end my relationship with them ....

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