hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-09-12
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

Complaint:
I have received a response from Equifax reporting agency stating that unverified information is accurate and will continue to report information after it was updated. According to the FAIR CREDIT REPORTING ACT 15 USC 1681-1681 which is a federal law, all unverified information must be deleted. All third party debt collectors has to show proof that the debt was actually agreed upon, basically having to show an legal agreement and not a copy of an agreement that was with the actual creditor. If unverified information remains on my report without legal proof of agreement from the third party can result to legal action against Equifax for reporting illegal information on my report under federal law. This demand also goes for XXXX and XXXX as well. 
I demand a reinvestigation of unverified accounts under federal law. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (IL)

Complaint:
Originally the problem started with a restaurant ( XXXX XXXX XXXX XXXX, IL ) that I had cancelled an order with - They said I may be charged but that it would be reversed in about 3 days in a phone call conversation. I contacted them again later by email but no response. I then contacted my bank ( US Bank ) to dispute the charge several times and still no resolution. 


Amount of Charge XXXX Date of Charge XXXX Merchants name XXXX XXXX XXXX What was ordered/paid for? 

Cancelled food order Service/Merchandise Not Received ( 3 ) You recognize the company and withdrawal information but didn't receive the merchandise or agreed upon service from the merchant and the merchant is either unwilling or unable to provide the merchandise or service. The Approximate Date of Contact must be after the expected date you were to receive the merchandise/service. 

Have you attempted to resolve this dispute with the merchant? 

IF YES Answer the questions below Yes Approximate date of contact XXXX Spoke with Manager How did you contact them Phone/email Response The order would be cancelled and amount refunded Expected date of receipt of service/merchandise? 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX Did you receive any service/merchandise from this transaction? 

IF YES Answer the questions below no What was the value of the service/merchandise received? 

n/a

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 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Complaint:
I have unauthorized accounts & inquiries on my report and would like it to be removed. According to the FCRA any inaccurate items on my Credit report that is not 100 % verifiable or accurate must be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
Someone used my personal information to open a fraudulent account that resulted in a charge off on my credit.I didnt open this account and didnt know of its existance until I received an alert on XXXX XXXX that I have a charged off account. 
Please see the attached Federal Trade Comission report and remove this account from my credit profile as its NOT MINE> I paid the balance that was due

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
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. (NC)

Complaint:
I have contacted the bureau on several occasions to correct these issues and have received no response. I attempted to call and got the run around

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 2022-10-11
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 the Fair Credit Reporting Act, XXXX  XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. states I have the right to privacy.

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 explanation
Consumer complaint received 2018-08-03
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. (FL)

Complaint:
According to EQUIFAX, XXXX XXXX XXXX said they had verified an outstanding credit of {$230.00} with XXXX XXXX XXXX XXXX. The debt is not my mine. I asked for a copy of a agreement with XXXX XXXX XXXX XXXX, bearing my signature, a copy of the XXXX XXXX agreement with XXXX XXXX XXXX granting right to collect on the alleged debt, and copy of XXXX XXXX XXXX state license as a debt collector. However, they will not provide proof of their claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
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. (CA)

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

Complaint:
I have inquiries on my credit report that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Complaint:
I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

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 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Complaint:
Send letters didnt respond 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 2023-03-27
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: SLM CORPORATION (NY)

Complaint:
On XX/XX/XXXX, I filled out an application to open a money market online account, at Sallie Mae Bank. The site stated that it takes 5 days to process. I received an email on XX/XX/XXXX, stating that they were unable to approve my application. It stated that I could contact them at XXXX, SallieMae Customer Care. 
I called on XX/XX/XXXX and spoke to XXXX, who stated that she looked at my application, stated it will be sent to management for review for re-consideration. ( She told me that she looked at it and saw nothing wrong with it. ) She stated that I would hear back between 24-48 hours. 
I called again on XX/XX/XXXX and spoke to XXXX again, she said she would send it by email to her boss, also she stated that she was unable to pull up the documents, I did not receive any correspondence by phone or email from Sallie Mae. 
I called on XX/XX/XXXX and spoke with XXXX who stated my application was denied again, but could not offer an explanation. He stated I would get a call from a manager between 24-48 hours. I did not receive a call or an email. 
I called on XX/XX/XXXX and spoke to XXXX, and explained the situation. She stated that my application was " fraudulent. '' I asked her if I could a copy of my application and she said no. Then she said that they will not accept anymore applications from me. 

On XX/XX/XXXX I decided to apply for a money market at XXXXXXXX XXXX XXXX. I submitted my application and got a response right away stating that " we weren't able to approve your application. We can't accept your application because it didn't meet our requirements. '' We didn't make an inquiry to your credit report and appreciate your interest in XXXX XXXX. 
I called XXXX XXXX  and spoke to XXXX, letting her know about my unapproved application. She reviewed the requirements that were needed, I didn't hear any that I did not cover. She stated I would get a detailed explanation in 7 to 10 days by mail.. 

Due to XXXX XXXX  not accepting my application " immediately, '' I worry that my SS number or other personal information might have been " blacklisted? '' ( If there is such a thing ) I sincerely appreciate any help in this matter from the CFPB, to help me understand all of this. 
With sincerity, thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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. (IL)

Complaint:
I called and sent out letters letting both companies XXXX XXXX XXXX and XXXX XXXX letting them know this account was fraud and not my 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 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TD BANK US HOLDING COMPANY (CT)

Complaint:
My account is set for automatic payment from my checking account. The XXXX XX/XX/2020 statement showed a XXXX balance because of a payment from my checking account of {$2.00} on XXXX XXXX. The checking account was closed because of fraud. With all the changes and challenges with COVID, I forget to update my information with you. I did not know the payment was returned until the XXXX bill. I immediately paid the bill. I had no idea the payment had been returned until the XXXX bill came. The XXXX statement closed on XXXX XXXX and had a XXXX XXXX payment due date. I made the payment on XXXX XXXX. However, I have 2 late entries on my credit report for the {$2.00} balance. If the {$32.00} was not due until XXXX XXXX ( as per statement ) and I paid on XXXX XXXX, why was I hit with another delinquency. 

I contacted Target Card Services and complained about after paying {$30.00} in fees on XXXX XXXX. They said there was nothing they could do about the fees or delinquent flag. I got a copy of my credit report in XXXX. I was unhappy to see two 30 day delinquent charges. I called and wrote letters. Nothing has happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

Complaint:
XXXX Sent payment to Vendor {$54.00} ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Contacted merchant about receiving product, thank her about the product but item wasn't as described. Received item defective. 
XXXX Reported to bank Wells Fargo XXXX filed dispute. 
XXXX Vendor messaged me to check why I filed a bank dispute since I received the product but she didn't want to resolve issue anymore since it's been 2 months but she was informed when I filed the dispute. Vendor threatened me to cancel the claim because it's not fair. She insisted on fixing the issue and stating I should quit the claim. I feel like I should have gotten at least partial refund or credit from her business, nothing was offered. The product I received had a hole and item was not wearable at all. 

It's been more than 90 days and I haven't heard from my bank about this issue.

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 2023-07-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2020-12-15
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. (GA)

Complaint:
I was told that I could reach out to you all regarding my credit. I have reached out to the credit bureaus and my accounts regarding things on my credit that is not mine. It even had alot of student loans. When I saw that I knew something wasnt right because I had to drop out of high school because I had a baby. Can you please help me with these accounts that are not mine XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. Thank you and I also have contacted the FTC and the police. I'm also doing this on my own behalf.

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 2019-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Complaint:
Recently, I received notification that my credit score had decreased from XXXX to XXXX ( today it went to XXXX ). I was unaware the Capital One opened a credit card in my name and they were reporting that I was delinquent 30 - 60 and now 90 days because I had not paid the annual credit fee of {$59.00} .... not with penalties and late fees it went to {$140.00}. I reported fraud to both Capital One and to the credit reporting companies of this card. Apparently, nearly a year ago there were charges on this card that was reversed because of fraud. I WAS NEVER AWARE OF THIS. 
Ive worked very hard to have an excellent credit score and now in just two months its been ruined ... by no fault of my own. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
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. (DE)

Complaint:
On XX/XX/18 I sent a dispute to the XXXX at XXXX XXXX XXXX Tx XXXX and Transunion at XXXX XXXX XXXX XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. After I contacted them in XX/XX/XXXX it was then being reported as current but fell behind, even though I told them it wasn't me and I never made a payment. The account is XXXX/XXXX in the amount of {$990.00} and needs to be deleted immediately for not following FCRA rules and regulations in a timely manner. This debt has never been verified, I have not received in the mail and XXXX and TRANSUNION aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XXXX and continue my education.

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 2018-11-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Complaint:
XX/XX/2013 a undisclosed amount was taken from my account. The bank allowed my payroll check from my employer to be reversed without notifying me to make sure it was no fraudulent activities which it was. The bank failed to secure my money and told me theres nothing they can do and Im basically XXXX out. I dont think its ok that my account should be in the negative because the bank neglected my account. Please can someone help me because my employer lied after I quit my job because he was upset that I left stating that now he doesnt think I deserve my check from XXXX XXXX XXXX At XXXX XXXX XXXX XXXX ny XXXX. I was scammed from both the bank my old employer and his payroll company. The bank saids that have nothing to do with it but they do when I signed a contract with them to protect my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
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: LEXISNEXIS (FL)

Complaint:
I obtained my LexisNexis Consumer Report and there was a Bankruptcy reporting from U. S. Bankruptcy Court listed on my report. I never gave LexisNexis any written consent to report or furnish my Bankruptcy public records. Under the FCRA [ 15 U.S.C. 1681 ( B ) ] A Consumer has a right to privacy.

I wrote LexisNexis and notified them of the law they were breaking under the FCRA in addition asked them to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. They responded with updating my account and ignored my rights as Consumer.

I also sent LexisNexis a letter from the bankrupt courts in which they mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW

Company response to consumer: Closed with explanation