hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-12-23
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. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX  has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the rights 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. 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 2022-03-01
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. (FL)

Complaint:
In accordance with fair credit reporting act XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2023-02-22
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. (MN)

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Dear Sir/Madam, I am writing to dispute the accuracy of the information being reported on my credit report regarding the above-referenced account [ or accounts ]. I believe that there may be a violation of several federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 
Specifically, I dispute the following : XXXX. XXXX [ Account XXXX : XXXX ] - XXXX is reporting a 120-day late payment, but according to other credit bureaus, there are no late payments. This may be a violation of the FCRA. 
XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX ], XXXX XXXX XXXX XXXX Account Number : XXXX ], XXXX  [ Account Number : XXXX ], XXXX XXXX [ Account Number : XXXX ], XXXX [ Account Number : XXXX ], XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX ]XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Account XXXX : XXXX ], XXXX XXXX XXXX  [ Account Number : XXXX ] XXXX XXXX XXXX XXXX  [ Account Numbers : XXXX and XXXX XXXX, XXXX XXXX [ Account Number : XXXX ], XXXX XXXX XXXX XXXX [ Account Number : XXXX ] - There may be violations of the FDCPA, TILA, RESPA, ECOA, and/or FCBA with respect to these accounts. I would appreciate if you could provide me with additional information regarding these accounts so that I can better understand the basis for any charges or collections.

I request that you investigate and correct any inaccuracies or incomplete information regarding these accounts as required by the FCRA. I also request that you cease any collection activities related to these accounts until the dispute has been resolved. Please provide me with copies of any documentation that you may have regarding these accounts. 
Thank you for your attention to this matter. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Valentine and Kebartas, Inc. (UT)

Complaint:
I had an account with XXXX XXXX but was mislead from the beginning on what the monthly payments would be. After that I switched my account over to XXXX who was supposed to pay off the transfer fees but never did. I received Collections calls from a company called Valentine and Kebartas regarding the debt. I worked with them for some time making bi weekly pmts of XXXX dollars. I had paid off almost half of the debt and came upon harder financial times. I spoke to a single rep regularly, but one day when i called back I spoke with a rep I had never before spoke with. I made a pmt of XXXX dollars and made him aware that I would only be able to pay monthly and that I would not be able to afford to pay what I was paying before. He told me that was fine and that he would schedule for me to be called in a month. Following that payment and agreement with the rep, I continued to receive up to five collections calls per day. After a week of receiving those calls during work and at all hours, I finally answered and spoke with the rep that I normally worked with. I asked why I was still receiving calls after having made a payment and worked out an arrangement with the other agent. She told me that the payment I made was not enough and that the account had been sent back by the " System '' and that is why I was still getting calls. After having worked with them for so long and even having made a payment as recently as the day before, that amount of calls was definitely harassment. Statements of my account automatically being sent to the system were also false and misleading. I work in collections and am very familiar with the way an auto dialer works and the work that is taken to load them. Arrangements should not have been agreed to if they were supposedly not " sufficient '' to keep them off of the dialer. receiving collections calls the next business day after having made a payment and agreements, is harassment and not fair collections practices. And blaming those tactics on the " system '' is misleading and a downright lie. 

I discussed witht he rep and a supervisor settlement options to avoid legal assistance or escalated complaints, but was not given any real help. I have already paid over half a debt for a service that I practically never used, and canceled because of misleading and deceptive tactics used by a sales rep belonging to the same mother company, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
I submitted a Dispute at the hard inquiries on my credit report from banks and creditors I did not apply for.. 
I have disputed the information twice and only got one response, which they refused to furnish any viable proof of this inaccurate information According to the ( FCRA ) section 611 and 609 .... 
The reporting agencies are supposed to furnish the original instrument barring my wet ink signature or any contact that I have signed.. 
They never furnished any proof according to the guidelines of the ( FCRA ) In addition they never showed proof of any investigation or their methods of investigation which I am entitled to

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 2023-06-20
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. (FL)

Complaint:
My name is 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 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2017-07-24
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: Byrider Franchising, LLC (OH)

Complaint:
I authorized a hard inquiry from  XXXX    XXXX   XXXX   on  XX/XX/XXXX  for a car. I have notice that since then the same finance company continued to pull my credit report. This company has obtained my credit report  XXXX  more additional times without my permission, adding  XXXX  more hard inquiry 's.  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  were all unauthorized. Also, in addition to affecting my  credit score , this company obtained my information and addresses that were unknown to them with out my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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: ALLY FINANCIAL INC. (FL)

Complaint:
I am filing this complaint against [ ] because they have violated my rights as a consumer and failed to respond to several demands for resolution. They are in willful violation of the FCRA and they clearly have no desire to act beyond evading responsibility. I have given them ample opportunity to resolve these issues. These incorrect files are having a severe impact on my credit bureaus and XXXX scores. This inaccurate information is preventing me from moving forward with several financial plans. I have sent letters to the credit bureaus and to them specifically on [ Dispute and letter dates from results portal or we can provide these ] with no results and with no response. They are engaging in plausible deniability of the following issues. 

account closed XX/XX/14 We bought a brand new XXXX XXXX with a loan from Ally Financial. Along with that we also purchase the GAP insurance incase anything were to happen. Unfortunately a year after purchasing the the car. My wife was at a light with our children in the car and a drunk driver came over the from the other side of traffic and ran into the truck head on and totaled the vehicle. We only had one car at the time and didnt have means to keep making payments before all the approval that the car was totaled and GAP kicked in to pay off the vehicle. During this time our account went past due and as you can see in the account it was paid off by GAP insurance because it was deemed totaled. Since then if you look up my history with Ally weve purchased and sold many vehicles using Ally. We currently have a longterm savings account with them. So our track recored with getting and paying off loans is there. This mark on our credit is a faulty example of what occurred and were asking for it to be removed or we will take a legal action.

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 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
All those student loans accounts were result of identity theft, Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of XXXX  that I did not authorize see the attachment.

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 2021-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vengroff Williams, Inc (CT)

Complaint:
On XX/XX/2021 I received a first communication from Vengroff Williams regarding a supposed overpayment on short term XXXX related to my prior employer ( via insurance company The XXXX ). Around that time I spoke with a VW representative explaining that the issue regarding employment end date and the " overpayment '' existed somewhere between XXXX and The XXXX. Per VW 's recommendation, I attempted to work with XXXX to address the issue with them - they were ultimately unresponsive. 

On or about XX/XX/XXXX, I contacted VW at XXXX to let them know that the error between XXXX and The XXXX could not be resolved due to unresponsiveness, but that I had written proof of the claim end date and my employment end date lining up and disputed the debt. Per VW 's instructions, I provided said evidence and my written dispute of the claim to XXXX with the claim number in the subject line on XX/XX/2021 at XXXX. 

There has been no response from VW providing any contrary evidence since that dispute and they are now well beyond their window of time to continue to harass me over this claim. Still, today I received a letter dated XX/XX/2021 stating that " Despite repeated requests for payment, the balance remains delinquent and unpaid ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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:
I have tried to get this account remove from my credit file because it is FRAUD!!!!! Several times I have disputed this account that is on my report fron Experian from XXXX XXXX XXXXfor {$2400.00}. I don't what else to do except get a lawyer and file suit against Experian.

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 2017-09-05
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. (CA)

Complaint:
I saw a credit inquiry on my Equifax credit report from XXXX XXXX XXXX XXXX XXXX. I called and the person I spoke to said there was nothing they could do about it. I aksed about placing a fraud alert and the person I spoke to said they could not do so. 

I asked for a phone number or contact information for XXXX XXXX XXXX XXXX XXXX XXXXXXXX and the person refused to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

Complaint:
Barclays Bank is reporting an erroneous late on my credit file. I have a couple accounts with Barclays and make sure to make all my payments on time. I have perfect credit and have never made a late payment. I called Barclays to make a payment on my accounts as i normally do and went on with life. When i checked my credit later i noticed i had a late remark for the month of XX/XX/21. When i called in to see why or where the late remark came from they advised that i made a payment late. I told them i didnt and to check because i called in to make the payment. When they reviewed they said the representative who helped me applied the payment to the wrong account and refunded the late fee. When i asked about the late reporting on my credit file they said there was nothing they can do. That is the most ridiculous thing i have ever heard of. How can they admit the wrong doing and missed applied payment but not remove it from my credit file? This late remark dropped my credit scores drastically. I have been denied financing due to Barclays mistake and it very frustrating to hear that the bank that ruined you credit can not help fix it. I need this late removed ASAP, it shouldn't be there and it still is and is affecting my financing.

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 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

Complaint:
My name is XXXX XXXX I tried checkin it through XXXX XXXX and XXXX XXXX.even tried the annual report..called Equifax..nuthn worked..I 'm gettin scared cause im only XXXX and want to mak sure nobodies using my ssn. 
Please help..I did all this on XX/XX/XXXX..but got an alert from XXXX XXXX about a new account on my report but cant check it to mak sure its mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Complaint:
Capital One Has refused to send me documentation for the disputed charges showing they are valid. the account currently has a negative balance from the disputed charges being reversed with no valid reason. proof of errors was provided to capital one for charges at the time of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Complaint:
XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 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 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC. (MD)

Complaint:
I have disputed this account for over a year now via all credit bureaus. I have specifically asked for when, where, and by whom this account was opened. And the information is never provided or even answered. This is not my account, and you can not continue to report it as you have not once verified the detailed information requested. Please provide all pertinent information used to open the account to verify it's accuracy.

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