hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-06-07
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. (AL)

Complaint:
I did not apply nor authorize XXXX XXXX  to run my credit for a credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-01
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. (MS)

Complaint:
XXXX XXXX Date Filed XX/XX/2018 XXXX CARD Date Filed XX/XX/2018 The above mentioned inquiries are fraudulent ...

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 2022-07-13
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: EQUIFAX, INC. (NJ)

Complaint:
In accordance with the Fair Credit Reporting act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
-- -- XXXX XXXX XXXX XXXX  Account # XXXX, -- -- -XXXX XXXX XXXXXXXX Account XXXX XXXX, -- -- - XXXX XXXX XXXX Account # 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 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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: Resurgent Capital Services L.P. (WI)

Complaint:
{$960.00} Ive tried to dispute it off my credit report. 
XXXX XXXX

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 — Account information incorrect
Company: DISCOVER BANK ()

Complaint:
i have been charged by discover for personal services THE SAME DATES AND TIMES IN TWO DIFFERENT COUNTRIES They ignore this fact every time we correspond. 

The dispute was found in their favor but HOW CAN THIS POSSIBLY BE THE CASE THAT I AM EATING AT A RESTAURANT IN XXXX XXXX WHILE SUPPOSEDLY IN A HOSPITAL IN ANOTHER COUNTRY, XXXX ... .. 

I have for YEARS tried to resolve this with discover. They have a different person respond to every communication who is not familiar with the case. 

I also offered a settlement and their response was contact this number which I told them does not work from the XXXX XXXX where I reside. They still do not provide a number for me to reach the proper office from outside the US. When I call the regular number they refer me around for hours until I am disconnected. They are making it impossible for me to resolve this and they refuse to acknowlege or do not respond to the main issue in the case - how can they find in favor of the fraudulent chages stating I was receiving hospital care in XXXX, when I am using and charging and living with use of the Discover card in another country for the same dates? After years of this, I demand any negative reporting be erased and that they accept my offer to settle for XXXX XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
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: Santander Consumer USA Holdings Inc. (FL)

Complaint:
I paid off an charge off account with Santander consumer USA on XX/XX/XXXX and received a letter stating that the account has paid in full. However when disputing with the 3 credit bureaus, Santander responded with the same original amount owed and does not update balance on report to an XXXX balance per agreed and stated on the settle in full letter. This is fraudulent reporting on my credit report and needs to be corrected on with all 3 credit bureaus before legal action is taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
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. (MI)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX  XXXX Balance : {$300000.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$300000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$300000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BMO HARRIS BANK NATIONAL ASSOCIATION (IN)

Complaint:
It is a credit card through my bank. THey lost several deposits which took over a month to research and post. in the mean time they are increasing late and over the limit fees as a result. 
MY complaint is that I have spoken to them and they call me daily sometimes twice. 

THis seems like abuse.

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 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Complaint:
Okay as I go to look at my fico score for XXXX, Equifax, and XXXX I get the score unavailable indicator.. 

For reason being whats wrong with my fico score and why it says unavailable it has enlisted for one of the indicators on all three of my reports that Ive been labeled as deceased.. this is unlawful use of ny credentials and is in violation of fair credit reporting act and I would like to be compensated for this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
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: EQUIFAX, INC. (PA)

Complaint:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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. (IL)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: River Ridge Financial Solutions, LLC (IA)

Complaint:
On XX/XX/2018 parents received a phone stated that there was a legal matter that needed to be discussed with me. My father took the number down and relayed the information on to me. I called the number. Got sent to a voicemail that didnt even state the businesses name. Did not leave a message a few minutes later I received a call back. I spoke with a XXXX XXXX. She varified the last 4 digits of my social. She was very aggressive, stated I owed {$900.00} on an old credit card debt of mine. Stated that she could offer a one time settlement offer of {$220.00}. I requested a legal notification letter be sent to me via mail ( knowing that legally they have to comply if theyre legitimate ). She argued with me stating that they arent a collection agency they are a mediation company that owns the debt. After a heated discussion and speaking over each other a women by the name of XXXX XXXX got on the phone and said she would email me a letter of debt owed and an agreement I needed to electronically sign and reply to. I received the email a half hour later. This is the first time I found out the companies name as I couldnt understand what they called it before. The number showed up as a FL number on my called ID yet the business shows its in GA. My  last name was spelled wrong. It said I owed {$900.00}, but now the settlement had changed to {$320.00}. It all seemed very fishy. I blocked the numbers and reported the email as spam. I also checked my credit report and am working with correct agency to get my old debt resolved. 

The phone number they left and called me on was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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. (CA)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and delete for erroneous reporting in my file and is listed on my credit report. 

XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Complaint:
For months now I've tried to address this Bankruptcy with the reporting company and they still choose to ignore me. I've sent letters requesting validation and verification and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
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: Experian Information Solutions Inc. (PA)

Complaint:
Delete this account please XXXX < Back Account Details XXXX XXXX XXXX Last reported XX/XX/XXXX {$890.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 5 mos ) Account status Open Type Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX Report info A Take a look at some options to help your score Average score improvement if you take care of a collection in the first 2 years Removed XXXX pt Today Credit Cards $ Loans Money 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Complaint:
In XXXX, my husband and I started a debt reduction program to regain control of our finances. Around XXXX XXXX, XXXX our XXXX XXXX credit card debt, in the amount of {$11000.00} was purchased by Portfolio Recovery Associates and placed with an outside collection office, representing themselves as an attorneys office and threatening legal action. This attorney was XXXX XXXX XXXX located in XXXX, Texas. The rep handling our account was XXXX XXXX. In XXXX XXXX, we were able to settle with this office for the reduced amount of {$4600.00}. We started to receive threatening calls and mail from Portfolio Recovery Associates in XXXX. We wrote to the credit bureaus disputing this collection and reports to our credit. We also attempted to speak with Portfolio Recovery Associates without luck. The " attorney '' who originally handled the collection has since filed for bankruptcy after some pretty shady practices and I ca n't find an active number for him. Portfolio Recovery Associates is attempting to collect the remaining balance of {$7400.00}, even though a settlement was reached and paid. We have no idea what to do at this point.

Company response to consumer: Closed with non-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. (NY)

Complaint:
In accordance with the Fair Credit Reporting act 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 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MT)

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 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 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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: EQUIFAX, INC. (NY)

Complaint:
I sent a letter to the company, Equifax, to resolve the errors on my account, and if they were proven accurate to verify the information. The company, Equifax, did not do anything to resolve those errors and were unable to prove the accuracy of the items I am disputing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
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: Experian Information Solutions Inc. (CA)

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is 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 explanation
Consumer complaint received 2018-08-05
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. (AL)

Complaint:
These inquiry accounts were disputed on XXXX. 

XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX   XXXX - 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 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

Complaint:
I call them and spoke with someone about get this resolved and removed this off of my credit report this is very I call them XX/XX/2018 and they told me they was to have it removed but they never did it so Im writing yall to have it removed now please help me thank you an advance. 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 2023-06-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation