hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-12-09
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: Choice Recovery, Inc. (OH)

Complaint:
On XXXX XXXX, 2020, CHOICE RECOVERY INC add a derogatory mark on my credit reports. CHOICE RECOVERY INC did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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:
I am a natural person, am a living human being, have rights under 15 USC 1681. 

XXXX, XXXX, experian are governed by 15 USC 1681. And they violated my rights numerous of times. demand the accounts listed below be remove because According to 15 USC 1681 : have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

BANKRUPTCY

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 2021-08-31
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXX  and XXXX  stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (FL)

Complaint:
I need help it's been 2 years now and Venmo has held my balance of {$750.00} from me will not release it will not let me transfer it nothing. 
There terms of service state after 180 days they will send a check in the mail of the funds in the account. Well now it's been so long I have no longer live at the address on the account and I just want the account to be closed and my funds sent to an updated address please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Complaint:
I was looking over my credit report and noticed some information that looked kind of weird. Please investigate this and remove all incorrect and unverifiable information and send me an updated copy of my report please. Thank you. I'm trying to get a house and I can't do it with this crazy stuff all over my credit report. LOL Thank you for all of your hard work and dedication. I appreciate you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
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. (CA)

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Complaint:
XXXX XXXX ACCT # XXXX*** OPENED XX/XX/2012 BALANCE REPORTED {$11000.00} AS AN UNPAID CHARGE OFF IS INCORRECT. THIS ACCOUNT WAS TRANSFERRED TO ANOTHER CREDITOR BY THEM AND PAID. I HAVE CONTACTED THEM SEVERAL TIMES AS WELL AS THE CREDIT BUREAUS EXPLAINING AND PROVING MY SITUATION AND THEIR HAVE BEEN NO CHANGES. IF IS AFFECTING MY QUALITY OF LIFE. MY CREDIT SCORE IS SUFFERING.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Complaint:
I was told that if paid in full this would be deleted from my report. I did not get this in writing but did get audio. They convince people to pay by promising things that they do not deliver.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (IL)

Complaint:
Recently I noticed that when I travel international ( XXXX ) to be more specific I noticed whenever I use my US Bank Debit Card I have been charged both an ATM fee, a transaction fee and an international transaction fee. On XX/XX/2023 I made a purchase XXXX XXXX  XXXX XXXX  in XXXX @ a total cost of {$7900.00} and I was charged a processing fee of {$230.00} there are many other processing fees that has been charged to my account in different amount from {$3.00} and up. I was not informed about these charges so I think that the bank should reverse these processing fees.

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 2019-07-30
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

Complaint:
TryingtoremovedisputeswithExperianandXXXXisbeyonddifficult.

Agentshavedifferentanswersandcantseemtofixanythingcorrectly.

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 2021-03-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

Complaint:
Since the begining of 2020 i been try to resolve this matter but the company XXXX XXXX is not willing to help me and since about 6 month they start to impose a fee increasing the amount that they said i owe wich star as XXXX and now because of all the fees that they are adding in violation of the contract is more than XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc. (CA)

Complaint:
Account Number  XXXX  Debt Collect or : USCB AMERICA Date Op ened :  XXXX / XXXX /  XXXX   Past Due Amount : {$260.00} Contact Phone : (  XXXX  )  XXXX  Contact Address :  XXXX   XXXX   XXXX    XXXX   XXXX  ,  XXXX   XXXX   XXXX  CA  XXXX  Original Creditor :  XXXX   XXXX  Account Number  XXXX  Debt Collecto r : USCB AMERICA Date O pened :  XXXX / XXXX /  XXXX   Past Due Amount : {$290.00} Contact Phone : (  XXXX  )  XXXX  Contact Address :  XXXX   XXXX   XXXX    XXXX    XXXX ,  XXXX   XXXX   XXXX  CA  XXXX   XXXX  Creditor :  XXXX   XXXX  I foun d two collection account posted in my credit account, by USCB Collect  ion . I wa s never aware of this account, i never received single letter or phone call regarding this account. It looks wife visited hospital hospital when we were separated, I was never aware of this account or her hospital visit. without sending the bill and letter debt collector just posted collection account in my credit. I contacted them an d payed in full. still they refused to delete. even though if account will be updated as paid in full, still it will affect my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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. (MO)

Complaint:
This is XXXX XXXX XXXX and this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance {$990.00} XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX Balance - Bankruptcy chapter XXXX Reference Number 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 2022-10-16
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: Experian Information Solutions Inc. (MI)

Complaint:
I have two fraudulent accounts that are someone using my identity to open up these accounts. 


XXXX XXXX XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX. - {$1100.00} XXXX XXXX XXXX XXXX  - {$100.00} 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 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Complaint:
I sent letters to the bureaus on XX/XX/22 and XX/XX/22 letting them know these accounts are a violation of the FCRA and should be deleted. These accounts are not accurate as they are not reporting the same across all three bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ASST XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
You are my last chance because I want to have justice because I have found account that I do not recognize. I can not understand why I have fraud account in my report. I am used by someone and Its Identity theft issues I am sure. SO I am begging you to help me and delete this account because its killing my score.

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 2019-12-17
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: ONEMAIN FINANCE CORPORATION (CA)

Complaint:
I reviewed my XXXX, XXXX  and XXXX  and l discovered a fraud unauthorized inquiry on my credit report .A Financial Institutions by the name of One Main Loan in XXXX Indiana . 
I didn't apply or authorize no creditors to pull my credit online or by phone and l didn't sign me documents with my official handwritten I am XXXX XXXX and Retired.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (PA)

Complaint:
I have a checking account with a bank name Current i recieved two stimulus checks to this account unknowingly the money sat in the account for over 8 months In XXXX my account was charged XXXXXXXX XXXX  numerous times collecting all the funds from my account i now have XXXX XXXX  in my account The bank is saying they see no fraud in the transactions but every charge have been fraud to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Monterey Financial Services LLC (NC)

Complaint:
I spoke with Monterey sometime in XXXX, stated that I could have been a possible victim of identity theft. Later while speak with the gentleman on the phone ; I researched my bankruptcy documents ; and noticed that XXXX and Monterey was listed in my bankruptcy proceedings. I explained to them that this collection was included in my bankruptcy. I also have written proof that it was included in my bankruptcy. The collection account was removed from my account. The following month ; this collection was added back to my credit report. This needs to be permanently removed from my account. The documents attached on page 14-15 clearly show XXXX and Monterey listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Complaint:
I received a text message stating the following : Citizen : Your {$870.00} XXXX XXXX transaction is pending. Please respond YES to confirm your approval, or visit our branch or https : //xrl.today/rKIKv to reverse it. 
My Citizens bank account is now closed and has been for some time. Seems to me that they are fishing for information. The the URL was blocked by my virus protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
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. (NV)

Complaint:
In accordance with the Fair Credit Reporting act XXXX  *Account # XXXX ( XXXX XXXX XXXX ) *Account # XXXX ( XXXX XXXX XXXX XXXX  ) *Account # 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 2022-03-09
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. (LA)

Complaint:
TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX Balance : {$0.00} CONNS XXXX Balance : {$2800.00} CAPITAL XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry 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 non-monetary relief
Consumer complaint received 2022-03-21
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. (MI)

Complaint:
Hello, I have been Seriously Scammed a few times by people I have trusted, However, these people had sent me bad checks and I had cashed them not knowing they were bad and I was punished for it by my Banks and it was not my fault! It shut my bank accounts down and the cashed checks that were bad went on my credit report. The amount is so high I can't remove it, and I have no help from anyone. I am on long term XXXX and have been for over 25 years, I just wish to get mt Credit Score straightened out, I know I will never see that scammed money to pay the banks back which totals {$21.00}. 
Warm Regards, 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 2022-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (FL)

Complaint:
Date : XX/XX/2022 Company : XXXX - XXXX Company Phone Number : XXXX I XXXX XXXX XXXX Paid A Settlement Amount Of {$280.00} ( Confirmation # XXXX ) For A Collection Account To Be Removed And Was Told In 21 Business Days The Account Will Be Removed From All Credit Bureau Reports/Account .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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: CITY NATIONAL BANK (OK)

Complaint:
City National Bank shows that I owe them money and is reporting that alleged debt on my credit report. I did not authorize the charges on the account, and have no knowledge of them. Although I have requested verification from the credit bureaus and City National Bank, they have failed to investigate and have failed to provide me with any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
In accordance with the fair credit Reporting act, Transunion has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open an end consumer credit plan as late for any purpose. It is showing a late payment for XX/XX/2022 on my XXXX XXXX  ending in # XXXX on file AND a late payment for my XXXX XXXX XXXX  beginning in # XXXX for XX/XX/2022 TOO. This is simply not true. I would like an investigation launched about this supposed late payments.

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 2022-12-10
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. (SC)

Complaint:
I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items 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 {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$450.00} ; XXXX XXXX XXXX XXXX XXXX  {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (FL)

Complaint:
This is bill os for  XXXX , I had there service for 1 day, I went back the next day and turned in all phones. I cancelled within my 30 days., this account has been deleted from my credit file numerous times, they keep harassing me buy getting other collection agencies to pursue collect money that is not owed, this is against the law. i need them to send me a letter of deletion of all credit reporting agency and to stop bothering me, or i will take legal action.  XXXX  removed from credit file company name : Sources   XXXX   removed  XXXX   XXXX   XXXX  removed  XXXX   XXXX ,   XXXX     XXXX   versified  XXXX   XXXX ,   XXXX   Thank you in advanced

Company response to consumer: Closed with explanation