hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-06-20
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:
Since XX/XX/XXXX Transunion, XXXX and XXXX have been reporting multiple entries on my credit report incorrectly. XXXX continues to report on accounts that have been closed for 6 years with current activity there are 3 in particular that enrage me. they are XXXX XXXX accounts and a XXXX  account, and they refuse to correct or update or delete my accounts. They just send a fake letter saying they have investigated the items when they haven't. The other bureaus just continue to report incorrect dates of last activity or just don't investigate at all. I have sent my investigations to the bureaus for the last 8 months and they refuse to correct my credit report. I sent another round of investigations today 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 non-monetary relief
Consumer complaint received 2016-02-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CREDIT ACCEPTANCE CORPORATION (CA)

Complaint:
I have contacted Credit Acceptance 3 times by certified mail as well as disputed the fraudulent account with all XXXX credit bureaus and they allege the account belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XXXX XXXX, XXXX has been two months and they still ignore me but yet and still they continue to report the account. Account Number XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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. (AL)

Complaint:
I am a victim of identity theft, the credit account XXXX XXXX that is on my credit report for charge off amount of {$240.00} is not mine. Fraudulent information is being reported on my credit report and XXXX, XXXX and Equifax have all neglected and refused to remove fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
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: ALLY FINANCIAL INC. (OH)

Complaint:
I have several negative payments reporting with Ally financial during a period of XXXX XXXX XXXX. The account in questions will be attached to the following CFPB complaint. There are multiple payments reporting late. The late payments being reported was reported during a period of being on XXXX XXXX military and being XXXX. This falls under SCRA. Please review the following attachments and correct the following late accounts to paid on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
several attempts for accounting based on general acceptance accounting and Capital One Bank is in violation of law for not providing the accounting. I ask again for accounting based on GAAP practice also a copy of the signed contract which was never provided. 
failure to credit account {$21000.00} received on XX/XX/2016 by Capital One Bank and acknowledged receiving money order if it wasn't accepted it should have been returned and it wasn't this is to apply to account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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. (LA)

Complaint:
RE : CFPB Complaint ID XXXX XXXX XXXX XXXX XXXX XXXX I recently submitted a CFPB complaint detailing erroneous late payments being report which are violations of my consumer rights under 15 USC 1681 ( 2 ) ( a ) ( i ) and also section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report How can I be late on payments when there is a finance charge ( 15 USC 1605 ) that's payable to me? In addition to that my statements are proof of the credit ( s ) that are due to my estate ( owner ) of the account. FCRA SAYS THAT TRANSACTIONS AND EXPERIENCES ARE TO BE EXEMPT FROM REPORTING!!! This complaint should have never been closed without a satisfactory investigation using FCRA guidelines as a medium between the consumer and the person making the report! 

15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2018-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (NY)

Complaint:
Due to delays processing my refinancing, I overpaid by about ~ {$300.00}. I have contacted XXXX about this issue and have not gotten a response. I would like them to refund me the overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
According to, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN COSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
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: Experian Information Solutions Inc. (FL)

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown items on my credit report. As of today, over 60 days later, I have not received a response yet. At this point, I feel as if my rights have been violated and I have been taken advantage of. I feel that my request regarding my disputes are being ignored. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the anxiety caused by the stress you have caused me. My information was also impacted by the XXXX Data Breach and may have been compromised and gotten into the hands of the wrong people.

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 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Complaint:
Please remove collection account opened on XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX on the amount of {$1400.00}. This account has been fully paid off. Attached is the letter from XXXX XXXX XXXX. Please update credit reports immediately. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates (NY)

Complaint:
I have reported numerous disputes to all three credits agencies apprising them of the error made by the UTILITY company XXXX. 

The amount of XXXX XXXX dollars ( {$67.00} ) is in error. I contacted the electric company on or about XX/XX/2020 to inform them of my moving out of state and to discontinue my service effective XX/XX/2020. 

My final bill from the utility was paid in full. 
( See attached final bill ) The utility company retained L.J. Ross & Associates alleging I owe a balance of {$67.00}. Every month L.J. Ross & Associates has been sending " negative '' reports to the credit reporting agencies. 

I request the XXXX & L.J. Ross & Associated cease and desist their actions in reporting this error to the credit reporting agencies.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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. (NY)

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXXXXXX 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 2016-11-14
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (CA)

Complaint:
Westlake Financial previously had my car impounded previously. Your agency recovered my vehicle and made Westlake drop unfounded charges on my account. Once I got my vehicle back Westlake changed my due date till the XXXX of each moth for car payment. I set up automatic bank pay for this company. Every single month I get a late fee notice after my payment has been made on time. I can send a bank statement showing proof My credit is ruined with this company and I want it reversed and for them to stop harassing late letters. Most letters I receive are even after they have had that months payment week ahead of due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Complaint:
XX/XX/2020 and XX/XX/2020 due to Covid 19 the government shut down the country and many states shutdown too. At the time Capital One would only take my payment via phone with a debt card or credit card, I was unable to get through to anyone on the phone due to no one working or limited staffing issues at Capital One the phone lines were left unanswered resulting in late payments being made on my account. I have asked on numerous occasions for Capital One to remove the late payments to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

Complaint:
On XX/XX/2021 EQUIFAX removed the collection account of XXXX XXXX XXXX XXXX XXXX from my credit report however, it was added back without properly notifying me. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than XXXX business days after the reinsertion. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
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:
I initiated disputes with all XXXX CRAs in XXXX XXXX. The dispute with Equifax still has a status of " pending '', now almost XXXX days later. I have not been notified of any result and I do not see a way to follow up with them about it - the " Contact Us '' link on their web site does not even work when I click it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 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. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2019-04-24
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. (TN)

Complaint:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (OK)

Complaint:
I received message from XXXX XXXX concerning Conoco credit card  threatening to take action against if I didn't pay card is under name which is my married from divorce in XXXX my name I no longer use and my social security #  was used.the phone was XXXX, old phone #. Can not get any response online or by phone just say I have to pay.I have alerts at all credit agencies and am fixing to call bank I in no way am responsible for this credit card. retired drive a 20 year old car  that barely runs help pleay

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 non-monetary relief
Consumer complaint received 2020-11-03
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (CA)

Complaint:
My daughter purchased a used vehicle and was making payments on it. The loan was through Chase Auto Finance XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX. This account is being shown on my credit report as a charge off. I called Chase Auto Finance and explained that is showing a paid charged off on my credit report. I explained that this was my adult daughters car and not my responsibility. I asked them to send me a copy of the car contract from the dealership to show that I signed for the car. That request was done in XXXX of 2020, I called Chase again because I never received a copy of the car contract and its now XX/XX/2020. They stated that they requested the wrong document and were requesting it again. I explained to Chase that this was not my financial responsibility and secondly the car was not charged off, my daughter paid the car in full. In fact, Chase sent her the pink slip of the car, why would they do that if monies were still owed? Chase agreed that the balance was XXXX but its still a charge off. I let Chase know that I am purchasing a home and this error they are reporting is affecting my purchase, but they would not budge. To me, a charge off is when a creditor did not receive payment in full, in this case the balance is XXXX  and they still are showing a charge off. So when other lending institutions look to my credit they think that I did not pay this account in full, when in-fact it was not even my responsibility. I have been dealing with this since XXXX for 5 months now. 
I need CFPB to help me clear this item as the credit reporting agencies are saying the Chase Auto Finance keeps telling them that they are reporting this correctly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Complaint:
I recently received a copy of my experian credit report where an account with credit first was reporting as 90 days late and an incorrect balance, I started a dispute on the account and experian notified me the dispute was complete a day later, I them viewed my credit file where experian now showed the account over 90 days late with a corrected lower balance ... this means experian didnt update the payment history as I should not be showing 90 days late for 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 2023-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Complaint:
Capital One Credit Card - Placed in Collections and sent to XXXX XXXX XXXX XXXX XXXX  and placed a Judgement against me - Paid account off, they contacted Capital One, and Capital one was to contact the courts and bureaus to have Judgement against me removed. Could you please look into this. It is preventing us from buying a new home.

Company response to consumer: Closed with explanation