hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-02-03
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. (UT)

Complaint:
I am making this complaint by my own free will not with a third party but me myself and I so please do not close it down. Please submit it to the credit reporting agencies. so i was looking at my credit report and i noticed that there were some accounts i didn't recognize so i wrote to the credit bureaus asking them to remove the accounts that didn't belong to me and i never heard anything back and the accounts are still on my credit.

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 2023-02-02
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. (MO)

Complaint:
Experian has violated my consumer rights repeatedly. I have sent a cease and desist and unfortunately, that is still being violated. I have sent identity theft affidavits, but they were ignored. The accounts in question are still being reported on my consumer report which is a major 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 explanation
Consumer complaint received 2020-04-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (FL)

Complaint:
Approximately two weeks ago, the balance in my Total Checking Account temporarily fell below {$1500.00} to around {$1400.00}. Within two days, I had replenished the account such that the average daily balance was still well above the {$1500.00} limit. To my horror, despite a global pandemic and severe financial distress around the world, Chase still charged me a {$12.00} service fee. I want that fee refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (FL)

Complaint:
I made a payment on XX/XX/XXXX of this year to westlake financial, and they subtracted the same amount on the XXXX of the same month as there was a scheduled payment when I do not have a self-payment or scheduled payments with them, I have called them since that day to return the money and it was not like that, I even told them they will take it as payment for the month of XXXX and they have not done it and they are charging me daily default interest for course delay, they do not want to solve this situation and that brought me consequences with rent payment.

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 2019-02-23
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: LEXISNEXIS (GA)

Complaint:
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove these items, any none account holding inquiries and any address other than my current address to prevent any further damage to my credit report.After you have remove items please send me copy of updated report. 
An FTC had been filed and a police report will be filed. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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. (AZ)

Complaint:
Thank you for your letter dated XXXX XXXX wherein you confirm my outstanding balance as requested. 

It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. 

Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form on or before XX/XX/2023, I will conclude that you are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
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: EQUIFAX, INC. (NJ)

Complaint:
EQUIFAX Placed an Unauthorized Hard Inquiry on my credit report without my consent from " Factual Data Inquiry from XX/XX/2018 ''. 
I personally called the Equifax consumer support to remove this Hard inquiry as i personally have not authorized anyone to pull the hard inquiry. 
They irresponsibly reply that they can pull hard inquiry when ever they want and that the consumer can not do anything about it. I did specify that what they did is not authorized per the financial laws, and the customer support representing equifax did not see to care and I did ask them where do i file complaint against EQuifax and they casually replied do a XXXX search. They did not give me this website ( XXXX ) information. 

Please help to work with Equifax to remove the hard inquiry on my report as Equifax doesnt seem to care and playing hard to work with consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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. (GA)

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. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2019-05-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (OH)

Complaint:
CHOICE RECOVERY INC # XXXX I dispute this account I have never done any business with this company. Please forward me any and all documentation concerning this debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY INC Provide verification of the following account # XXXX. please fill out and return the attached CREDITOR DISCLOSURE STATEMENT, or I can not take this account to be valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
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. (CA)

Complaint:
There are 5 accounts that are appearing on my credit report that are not mine I have been mailing disputes to the bureaus and the furnishers saying these are not mine because I have not signed or used or accepted any of these charges or cards. 
The accounts are : XXXX XXXX XXXXXXXX - Acct # XXXX Amt {$3700.00} XXXX XXXX XXXXXXXX - Acct # XXXX Amt {$11000.00} XXXX XXXX XXXXXXXX - Acct # XXXX Amt {$7300.00} XXXX XXXX- Acct # XXXX Amt {$6600.00} XXXX XXXX- Acct # XXXXAmt {$9.00}

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 2023-06-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2018-05-30
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. (AZ)

Complaint:
During XX/XX/XXXX, XXXX XXXX negotiated with XXXX - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/XXXX without any interruptions. However, XXXX is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with XXXX that I hired XXXX XXXX XXXX to help. To this date, XXXX XXXX XXXX have not been successful either. Please resolve.

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 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

Complaint:
I have been disputing an item on my credit report through experian since XXXX of XXXX regarding XXXX XXXX XXXX  orignal credit, XXXX XXXX XXXX that has been paid in full through employee garnishment Between XXXX and XX/XX/2018 from the joint applicant. I have submitted to the credit agency the payslip that reflects the proof of payment and they refuse to update with paid or removal from the report in which it has been removed from the joint parties report instantly. The original debt is erroneous due to me never being late on my rental obligation as reflected on the report, all of sudden the company was in the process of selling and refusing to fix water and gas problem when the issue was raised they then began to refuse my rents because they knew they sold the complex causing me to have the judgement because the judge refused to listen being a landlord state. The joint party moved to a state where garnishment isn't permitted and they still took the money. Which the judgement reflects XXXX and the reports is XXXX. I was the innocent consumer penalized as a result in a business deal with XXXX  XXXX  XXXX  and XXXX XXXX XXXX  deal left to face eviction because I only had a month to go on my lease and ended up having to pay for months I wasn't there as a result of the faulty judgement. This is how states and courts operate that aren't for the tenant, the judge refuses to hear the facts or the cause of the situation not why you didn't pay in this case XXXX XXXX the agent at the time refused the rents multiple times because he knew they were no longer responsible for the property leaving multiple tenants struggling.

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 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MD)

Complaint:
My loan with Wells Fargo was under Covid forbearance for 15 months. After the forbearance period I was approved for a Covid Relief loan modification. Now that the forbearance period has ended Wells Fargo is now reporting that I was late during the forbearance period ( 15 months ) worth of late payments. 
I can loose my job over this inaccurate credit reporting.

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 2021-09-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (CO)

Complaint:
Cold call from Central Portfolio Control stating I owed a debut for a rental apartment from 5 years ago asked for proof of debut never received, company continues to call weekly for last 2 months with out ever sending proof of debut. I have asked them to stop calling until proof of debut can be provided as this debut was already discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

Complaint:
I have contact IC Systems and the credit bureau to share that this debt in the amount of {$3300.00} is not mine. This is my spouses debt. He received XXXX XXXX from XXXX XXXX and signed to pay for the dental work and is legally responsible for the debt. XXXX just recently followed up on this dispute and closed the case shared that it is valid when it is not valid.

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 2017-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

Complaint:
I do not have a signed contract nor any contract with CommonWealth Financial. I have never done business with this company. I am not liable for collection from this debt from CommonWealth Financial. I am not responsible for this debt with XXXX XXXX XXXX. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of Florida to collect any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (CA)

Complaint:
I have been a victim of identity theft and numerous utility accounts have been opened and charged up and unpaid in Texas. I have been able to clear some of these thus far and have placed a freeze on my credit. I have never lived in Texas ( have resided in XXXX since birth ) and have not given my permission to anyone to use my information. My former name is being used as well as my birthdate and social security number. XXXX XXXX XXXX XXXX {$660.00} ( reported as XXXX filed dispute ), XX/XX/2021 -- XXXX XXXX : {$420.00} ( reported as XXXX filed dispute ). I was made aware of both of these fraudulent accounts via debt collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
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:
I am a victim of identity theft. Experian, XXXX, XXXX and their nonaffiliated 3rd parties are violating my federally protected RIGHT TO PRIVACY. They are using and furnishing information on my consumer report without my consent which is causing damage to my reputation and character! This constitutes as a violation to the Fair Credit Reporting Act and the Gramm Leach Bliley Act. SEE ATTACHMENTS

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 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Complaint:
I have a paid and closed account on my credit file from XXXX XXXX XXXX. This account was paid and closed in XXXX of XXXX to this day equifax & XXXX XXXX the CURRENT STATUS as 120+ days past due. How can that be a current status when the account is paid and closed? and has been for over 3 years now. 

The current status should be reporting as XXXX & XXXX or XXXX, not late! 

This reporting is very damaging to me, and is causing me problems when I try to pursue a mortgage. this current status reporting needs to be corrected as its incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Complaint:
I would like to file a complaint against three credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party. Not from my own filings or from a court. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions , Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
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. (AR)

Complaint:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TD BANK US HOLDING COMPANY (FL)

Complaint:
ON OR ABOUT XX/XX/XXXX AND XX/XX/XXXX. WE FILE A COMPLAINT Against TD.Bank about Problem that they need to fix we send our finical statement to the NJ XXXX XXXX XXXX. the report number was CFPB # XXXX And on or about XX/XX/XXXX respond back to consumer Financial protection Bureau CFPB ) states that they has correct the problem but failed to increase the credit that we request XXXX to fix the problem by increase line. yes they gave us our line back of XXXX but that did not fix the problem. this is not a credit bureau problem this is a T.D Bank problem iam request a XXXX increase to fix the problem and the bank do not need to pull the credit because they already pull the credit to cause the problem. in a Letter date XX/XX/XXXX from T.D.Bank they did not address the issue. the after problem from the damage that done. for drop the limit to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (MD)

Complaint:
After seeing a reported collections amount on my credit report in the amount of {$1000.00}. I contacted Credit Control Corporation to understand further. They sent me a bill of {$1300.00} on XX/XX/XXXX to which I sent a validation later via US mail on XX/XX/XXXX to their po box . It was not returned and thus assumed delivered as addressed. CCC has still not sent me a validation package validating this debt of {$1300.00} they say I owe. It's been over a month now, the collections item hasn't been investigated at all, nor have I recieved validation that I owe this debt. This reported collections bill has taken a toll on my everyday life as I am trying to find a home and I would like to get the issue resolved as quickly as possible.

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