hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capstone Credit & Collection, LLC. (GA)

Complaint:
After reviewing my credit profile on XXXX i identified a discrepancy with account listed under XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/XXXX  and the account continues to reflect on my credit report and i have not received any correspondence from creditor to validated this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/23 there have been no updates and account is still reflecting on the report. I do not believe the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account and the from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
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. (CA)

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 non-monetary relief
Consumer complaint received 2022-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Complaint:
I have a Capitol one credit card and have had nothing but issues constantly with no help. Customer service always hang up on me and refuse to move me to a manager. The APP I use for my card refuses to set my autopay through the Capitol one checking. I recently got restricted and my account closed because of one reverse payment that was the fault of the APP and now customer service just keeps hanging up on me and refusing to help. Literally absolutely no help. Now Im worried about my credit report because I have been killing my self to keep everything perfect. I need help. I feel like Im being forced to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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:
Someone used my information to obtain a XXXX account, open a line of credit for XXXX XXXX XXXX, and preferred lease. 

i have requested this be removed on several occasions.

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 2023-06-17
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: EQUIFAX, INC. (CT)

Complaint:
Theres no explanation for years Ive been trying to get into my equifax account for some time I continually call them to get no response they continue to furnish negative information about me but cant verify my identity not giving any information unless I pay which ends up being negative spam information. My problem is with none of my accounts or credit its about the negative and malicious information they continue to furnish on me negative payments and etc XXXX dont understand how they can furnish information about me but cant tell me the information they are furnishing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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 — Their investigation did not fix an error on your report
Company: EGL US, LLC (TX)

Complaint:
BMG MONEY REPORTING WRONG BALANCE ON MY CREDIT REPORT, BALNACE IS NOT XXXX TRIED NUMEROUS TIMES TO GET THIS MATTER RESOLVE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

Complaint:
I keep telling CITI bank cards that account is NOT mine! They keep harassing me. Adding charges that I have no knowledge of. This isnt right!!

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 2023-03-17
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:
I sent a letter last XX/XX/XXXX, to remove these listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 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

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 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (MD)

Complaint:
I am on a COVID forbearance program with my Mortgage company ( U.S. Bank ) since XX/XX/2020. The credit bureaus are supposed to be reporting that I am current. The Mortgage company ( U.S Bank ) said that being in the program will not affect my credit score. But my credit sore is being affected every month since XX/XX/2020. XXXX  is reporting that Total balance on all your mortgage accounts ( s ) has increased by {$1300.00}. This change applies to the sum of all Mortgage balances.

They need to stop reporting this and go back and fix all the reporting so my credit score will not be affected. Because while I am in the COVID forbearance program XXXX  should be report my mortgage as current. Please contact TransUnion have them please correct this incorrect reporting. My credit report dropped XXXX  points Thanks

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 2022-04-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (GA)

Complaint:
Midland Credit Management seems to have initiated a Pre-legal notification. I am disputing said information and would like for them to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (GA)

Complaint:
We called IQ Data on XX/XX/2022 to dispute the collection of {$920.00} and we ask for a signed original document and they refused to send us one saying that they had already sent one which my husband and I disputed and then they started being verbally abusive and threatening. We tried to explain to them that this was not our debt and they did not want to hear this and again became verbally abusive and threatening. We also noticed that the amount of the debt they claimed we owed continued to increase every 6 days going from {$920.00} to well over {$1000.00}. Thank you for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
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: TD BANK US HOLDING COMPANY (FL)

Complaint:
I am a victim of government shutdown. I need more time to pay my bills. I cant afford to make a minimum payment for a few months. 

I need to defer payments for six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
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. (NY)

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC (GA)

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any results.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Complaint:
The unauthorized inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be deleted ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
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: Experian Information Solutions Inc. (GA)

Complaint:
XXXX XXXX XXXX not conducting timely investigation.

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 2020-12-28
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: Experian Information Solutions Inc. (NJ)

Complaint:
I have mailed in letters several times to XXXX, Experian and XXXX  in regards to my account with XXXX Account # XXXX. Starting in XX/XX/2020 up until XX/XX/2020. I have gotten some responses which I will attach. Yet inconsistencies remain on my report for XXXX. For your convenience I am attaching the latest response from each bureau. I will also list the issues I see. 

1. Date of first delinquency is missing 2. Purge date is not listed 3. Full payment history is not listed, specifically scheduled and actual payment amount.

4. Closed date is not listed on Equifax or Experian According to your own industry standard which is the Metro2 the above information must be reported.

I do not see an actual proper re-investigation completed after addressing the issues set forth.

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 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Complaint:
XXXX XXXX XXXX  card is paid in full I had agreement with the company for a paid to delete in which I did it this negative impact is stoping me from purchasing a home in which I need to do and very important I purchase a home this is a violation 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 2017-05-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Blakely-Witt and Associates, Inc. (TX)

Complaint:
On  XXXX   XXXX   Blake Whitt pl aced a collection on my credit report without properly notifying me according to FCRA, at least 5 days before. The collection agency claims I received mail on  XXXX   XXXX ,   XXXX   but did n't show proof of delivery via certified mail or neither will they tell me which address they sent this mail too. No phone calls were ever made by the company to try and collect on alleged debt to me. No notice was served at all. I do n't even know who the debt is from or why it was collected. I sent out a letter requesting a debt validation to the collector via mail which they have failed to respond to. Please remove this debt from my credit report that was wrongfully added. This has damaged my report by  XXXX  points right while I am in the process of getting a home. If debt is not removed I will proceed forward will suing the collector and the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
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: EQUIFAX, INC. (GA)

Complaint:
THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Complaint:
I was directed to TransUnion from XXXX, a site recommended by the federal trade commission website on XX/XX/XXXX. Transunion does not distinguish between free credit report and free credit score, one of which is not free. It sucked me into to paying a {$24.00} subscription fee to view a credit score when I just wanted my annual free credit report. The site relentlessly loops you, making it extremely difficult to cancel this automatic subscription. Transunion is dishonest and does not make it apparent what product you are signing up for.

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 2023-02-02
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. (AR)

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$0.00} 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 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (NY)

Complaint:
On my credit report, it shows that an American Express card was opened under my name and with my social security #. I have spoken to AMEX several times and also had an XXXX report done and was told this issue was confirmed as identity theft and that the cause would be resolved. Please help me remove this from my credit report immediately and permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NY)

Complaint:
Since XX/XX/2021, every time I've made a payment AMEX has refused to let me use my line of credit unless they called my bank to verify that I have money in the account or that the payment was posted. They even blocked my card and made me verify my bank details when I attempted to buy a bottle of juice of the train. This was never the case before then. My XXXX  friends who have the same card are never forced to verify that they have funds before using their line of credit. This makes traveling extremely inconvenient. At first, their excuse was that I was randomly selected to verify my information. Then it was that I tripped security protocols without emphasizing what exactly happened to do it. On XX/XX/2021, and XX/XX/2021 their dashboard claimed that a payment was returned for insufficient funds. Not sure if it was because of the weekend or holiday but in my bank statement it showed that AMEX took the money from the account without issue. They revoked my entire line of credit because of it. I was forced to call my bank again because I knew that was a lie. They did not leave a note updating this discovery for the next agent. They did not remove the false returned payment listed in the dashboard. Each time I make a payment I am forced to call my bank to verify redundant information and each time my bank sides with me. I believe American Express is discriminating against XXXX cardholders. There is no reason why I have to verify my bank each and every time I make a payment to access my line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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. (IL)

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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