hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (GA)

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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. 

EQUIFAX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

EQUIFAX INACCURATE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: New Era Asset Management, LLC (NC)

Complaint:
New Era Assets has called my work and family members for a debt that I have paid on from another collector

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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. (NY)

Complaint:
These accounts are currently on my credit reports even though president Biden has passed a law to remove/forgive all student loans.

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 2020-12-03
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: EQUIFAX, INC. (TX)

Complaint:
reporting public records opt out b/c of ID theft please remove from all records ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DISCOVER BANK (FL)

Complaint:
DISCOVER BANK IS REPORTING THAT I OWE A DEBT IN THE AMOUNT {$1100.00} I REQUESTED VALIDATION OF THIS DEBT FOR AT LEAST 90 DAYS. THEY HAVE NOT VALIDATED THE DEBT TO SHOW HOW I OWE THIS BALANCE TO THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (GA)

Complaint:
Being in business for 44 years I made an application for Paycheck protection program for {$4100.00} in XX/XX/2020 with Wells Fargo bank with whom I have had 2 XXXX  checking accounts for over 25 years ( the bank used to be called XXXX XXXX then XXXX before it was sold to Wells fargo ). I finished the application, uploaded all the supporting documents on XX/XX/2020 and Docu-signed it. I did not hear from them at all. They did not provide any contact information and asked customers not to try to contact them. I am afraid Wells Fargo might have stolen the fund from me just like years ago on 3 different occasions that I had noticed monies were missing from my 2 XXXX  accounts. Their branch employees and managers who later suddenly disappeared had no explanations on why and how money was taken from my accounts until we found out later about the big Wells Fargo scandal in the news.They never returned the stolen monies to me.

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 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Complaint:
Notice to agent is notice to principle notice to principle is notice to agent. 
After reviewing my credit reports I noticed that you are alleging that the following accounts are negative. 
without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore, you must remove all negative and adverse. 
remarks XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence. 
of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then. 
you must remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: P&B Capital Group, LLC (MD)

Complaint:
I have been repeatedly called by P & B Capital Group ( XXXX ) regarding debt for XXXX XXXX, NOT MY DEBT. 
Multiple family members have also been called regarding XXXX XXXX. None of us are XXXX XXXX. 
He is my nephew and does not live with me or any of my family members that this agency is contacting. 
I have told this company and others that I am not XXXX XXXX nor does XXXX XXXX live with me. 
This particular company told me that XXXX XXXX listed myself, my XXXX sons and my XXXX daughter-in-law as contacts ... absolutely NOT TRUE ... I can guarantee that that was not done as I spoke with my family about this issue and was assured that none of us were listed as contacts. 
This particular company is lying..all one has to do is XXXX someone's name and it will listed " contacts '' ... they are not getting our phone numbers from the debtor directly. And all of our numbers are on the do not call list..they get around that by simply XXXX  the names of the debtors and targeting family and friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
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: Fidelity National Information Services, Inc. (FNIS) (TX)

Complaint:
hello i have some inquiries that i didnt apply for i have about XXXX hard inquires from chexsystems and im a victim of identity theft and i didnt apply for a bank accounts in my name the only bank account i apply for is XXXX XXXX the others are fraud and i contacted chexsystems inc about this and they told me to call the banks and send a letter in writing and i dont have any stamps and i dont work and i still getting denied to open up a credit union account and they dont have a freeze system and the rep was rude to me and kept me on hold for a long time

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 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I have been trying to get information corrected on my credit bureau report with Transunion and XXXX. XXXX XXXX of XXXX Texas are reporting a medical bill dating back to XXXX of 2014 as a new account.

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 2016-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Debt Recovery Solutions, LLC (NY)

Complaint:
I 'm a victim identity theft and someone open accounts in my name this account was removed befor and now it 's back

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 2023-01-17
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. (CT)

Complaint:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXXXXXX XXXX ), XXXX ( Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5900.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$240.00} ). Its been over XXXX  days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (TX)

Complaint:
I have something on my derogatory marks that say I owe XXXX for Enhanced recovery compan, I dont know who open that, I never open this account Ive Ive been trying figure out my my account keeps going down and thats why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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: ENOVA INTERNATIONAL, INC. (OH)

Complaint:
There is a inquiry that I do not know about on XX/XX/2023 I never applied for

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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. (NJ)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-12
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 have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOUTHSTATE CORPORATION (FL)

Complaint:
My account was compromised & with that being known by the financial institution & my account is still locked. I dont understand this. I have no transportation to go to the bank but they have no reason to not fix ny account and give me access to it if its comprised and the rightful owner is here with proof. The fact that I told them it was compromised the situation shouldve been handled as in my account fixed & returned in good standing now I have no account to receive deposits or do normal things!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-05
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. (AZ)

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 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 2020-09-21
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: ENOVA INTERNATIONAL, INC. (CA)

Complaint:
On XXXX XXXX I paid my loan in full and received document that the account was " PAID IN FULL " from NC FINANCIAL Solution on XX/XX/2019. Upon checking my credit report they reported me 30 days late on this specific account for XX/XX/2019. 

I follow-up with NC FINANCIAL Solution and XXXX XXXX to try and resolve account amicably and they do not want to resolve this 30 day late when I have provided them documented proof they actually issue for final payment.

NC FINANCIAL SOLUTION replied as reported late although I have paid the loan in full.

It appears that these consumer disputes only go one way from DATA FURNISHER to Consumer reporting Agency. THE CONSUMER HAS NO RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
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. (WI)

Complaint:
I have multiple fraudulent inquires on my credit Report none of which I Have NOT authorized to do so the FCRA states hese need to be removed such as XXXX  on XX/XX/2022 and XXXX  on XX/XX/2022 and XXXX  XXXX on XX/XX/2022 and XXXX XXXX XXXX  on XX/XX/2022 and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/2022 and XXXX XXXX XX/XX/2022 and XXXX XXXX XXXX on XX/XX/2022 and XX/XX/2022 and XXXX XXXX XXXX on XX/XX/2022 and XXXX XXXX XX/XX/2022 and XXXX XXXX XXXX  on XX/XX/2022 these need to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Complaint:
I sent a letter asking XXXX to remove the incorrect names and addresses from my report. I also requested that several of the inquiries, Collections listed were not mine and/or not authorized. The information is still listed on my report and I never received a response from 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 {$0.00} XXXX XXXX XXXX XXXX {$59.00} XX/XX/XXXX XXXXXXXX {$280.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Complaint:
The Quicksilver from Capital One card is listed as a {$0.00} Annual Fee, and I just found out today that I have been charged a {$39.00} Capital One Member Fee since XX/XX/2014. This Fee went unnoticed until today, and the Capital One Customer Service reps informed me that it is what I signed up for. I only sign up for {$0.00} Annual Fee cards due to this, of the many cards I hold. So I find this to be unlikely that I would have registered for a card with this fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Complaint:
A bank account statement was received by an associate of mine at an address I have not lived at in over XXXX years. This account was for a checking account with Bank of America. 

I have confirmed with Bank of America that the account exists, and contains my information. This account is not one I have created, and I have not been able to actually speak to an individual at Bank of America regarding it. The Fraud department is unreachable via phone, and no emails have been replied to. 

I am concerned that this account was opened using my social security number, and will have a negative impact on my financial health.

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 monetary relief
Consumer complaint received 2020-08-21
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: Experian Information Solutions Inc. (VA)

Complaint:
It's a {$170000.00} loan my ex wife has thru our divorce. I signed the house over in the divorce. I've tried putting in a dispute when i saw it on my credit report. I have no ties to that house. I did try contacting the creditor, left a voicemail and still haven't gotten any responses. It's thru XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX I just want it off my credit report. Like i said, i signed the house over in XX/XX/2010.

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 2022-05-13
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:
The accordance with Fair Credit Reporting act these accounts has violated my rights. 

XXXX XXXX XXXX Account # XXXX U.S. Bankruptcy Court Reference # XXXX U.S. Bankruptcy Court Reference # XXXX U.S. Bankruptcy Court Reference # XXXX 15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 Section 604 A section2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2020-07-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX Company   Inquiries : XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau (UT)

Complaint:
Knight Adjustment bureaus is double reporting 2 debts on my credit file with XXXX XXXX XXXX XXXX. I recently checked my credit and noticed that Knight Adjustment and XXXX XXXX were reporting on the same debt. I paid this debt off a long time ago so it shouldn't be reporting on my credit file at all. However, XXXX XXXX never closed the account and updated it to a XXXX balance with a " charge off '' status and Knight Adjustment is reporting this as a paid collection. This is a violation under the FCRA and the FDCPA and needs to be fixed ASAP!!!

Company response to consumer: Closed with explanation