hpe-ai/customer-complaints huggingface dataset:
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. (CA)

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2018-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

Complaint:
This complaint is being filed against XXXX XXXX Bank that issues the XXXX  XXXX   Retail XXXX XXXX of 2017 I made a purchase on my account for {$120.00}, there was a payment due on the account which was missed so a late fee of {$25.00} was applied, so I paid my balance that was due on the account and the bank has continued to charge me late fees when I have no outstanding balance and no transactions.I have tried to speak with XXXX of their supervisors about this matter but they are unwilling to remove these and continue to charge late fees upon late fees I can only assume to generate more money for the bank with no transactions that have been charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
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. (MI)

Complaint:
XXXX Account number XXXX ..... In accordance with the fair credit Reporting act XXXX Accounts this creditor has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy .... 15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. .. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for and purpose. Please remove late payments and update asap please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MI)

Complaint:
I am trying to refinance my home since the rates are so low, however, my credit score has disappeared from Experian and XXXX. According to XXXX, it is at XXXX but the other two have shown it as frozen or non-existent. I paid XXXX  have the scores revealed there, but they are at XXXX. The only thing we can think of is that when we let the bank know that my mom passed away on XX/XX/2020, something must have also happened to my credit score by XXXX, as that was when I was unable to get my FICO score in my mortgage app. She helped me create a bank account and establish a credit score when I was 18 under her own account. I've tried everything from creating accounts on the credit bureau websites, unfreezing my score, calling customer service, visiting my bank, etc. but nothing has helped me to find what happened to my score. I am still paying my mortgage, I've always paid my credit cards in full and have no delinquent payments. PLEASE help me find out what happened to my score and how I can get it back. Thank you.

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 2018-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Green & Sons Agency, Inc. (UT)

Complaint:
XXXX XXXX is currently reporting 2 accounts on my credit report : XXXX & XXXX All my medical bills have been paid and they are very old. Insurance paid them. I do not owe any other bills and they are not valid. THey are not mine

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. (TN)

Complaint:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2021-05-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Complaint:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX XXXX and the Creditors ( Bankruptcy Chapter XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Complaint:
XX/XX/XXXX to ; Consumer Financial Protection Bureau, U.S.Dept of the Treasury, Comptroller of the Currency, All credit reporting agencies, Capital One credit card re ; closing of account # -- -- -- -- -- XXXX, XXXX XXXX I am writing this letter, for a couple of reasons. Mostly to find out why, after over 20 years of having an account with Capital One, they decided to close my account. Not only close my account, but doing so without any apparent reason, and without warning or notice. That left me scrambling to make sure that all my creditors who were being paid by that card, didn't get a lapse in payment. 

A few weeks prior, my bank account was compromised, and that was also quite a mess. I had to scramble and notify every facet of my life that I had, to change my bank account info. Including Capital One. My payment fell into that day that everything was locked, and my bank turned that payment away. I called as soon as I saw that issue and discussed it with them. After a few days, and the billing cleared up, I payed that, and the next amount due. 

I understand that the banking industry has an incredibly strong lobby presence, and the ruling in XXXX 0r XXXX, gave the right for the bank to close any account they want to, without warning, for any reason, any time they want, and not contact the account holder for 10 days to 2 weeks. So that may be legal, but certainly not fair or ethical. 

About 10 years ago, I had a business that went under because I couldn't keep it running due to illness. I had a huge debt that I incurred, not only to suppliers, but to credit card companies. By all rights, I should have done a bankrupcy, but I did not, because of my ethical beliefs. I kept the Caital One card through it all and have restored my credit to good levels. 

I tried to talk to someone at Caital One when we found that the account was closed, but no one would give me a chance to talk with someone, who could explain what the problem was. They said that I would be contacted by mail in 2 weeks. I was told that the office resposible for the closing of the account, didn't have a phone that is accessible to the public. That's about 2 weeks ago, and I still have not heard anything. 

The closing of this account also lowered my credit rating by about 25 points. That is something I guess I have to live with. 
Of course I'm going to pay my last bill at Capital One, even though I've lost cash back from the closing of the account, because that's what I believe is right. 

thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracieson my Credit Reports. 
Upon reviewing my credit file, incorrect information was found in myreports. The XXXX, XXXX and Equifax Credit Bureaus has not complied with theFCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified informationwithout any proof provided, within the time allowed by law, is not authorized. Below are theitems that are reporting on my Credit Reports : XXXX XXXX ; XXXX, XXXX, T ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX A XXXX XXXX AV XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016 ; DP OF EDUC XXXX Balance : {$17000.00} XXXX DP OF EDUC XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
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. (NV)

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
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 * Account # XXXX - XXXX  * Account XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXXXXXX  ) * Account # XXXX - XXXX XXXX original creditor XXXX ) * Account # XXXX - XXXX XXXX XXXX  ( original creditor XXXX  ) *Account # XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP Buyer, LLC (TX)

Complaint:
OnXX/XX/XXXX, I noticed a collection for XXXX  for an old XXXX account.  I immediately contacted XXXX and was told the account was with a collections agency called GC Services. I contacted GC Services and paid the full amount  of $XXXX which is what GC Services stated I owed. After the payment I was advised that the account was paid in full and that I would receive a paid in full letter.On XX/XX/XXXX, I received a letter from XXXX  datedXX/XX/XXXX  stating I owed more money. Another $XXXX. I contacted XXXX  and advised that the I paid GC Services in full. They claim GC Services did not have the authority to negotiate the payment and therefore I owe them money. XXXX  said I had to call GC SERVICES. So, I called GC Services and again they told me I am paid in full. XXXX is trying to extort money from me that I do not owe. They over billed me for two years and committed fraud by linking another account to the same phone number on my account. XX/XX/XXXX. Refused to end a lease because another phone was attached to a line on my account. I was unable to drop the line and was billed for a phone I never had.XX/XX/XXXXPartial credit given advised the other credit in XX/XX/XXXX. I disputed amount owed due to double billing. XX/XX/XXXX XXXX advised a credit of $XXXX  for overbilling to post onXX/XX/XXXX. Credit was never issued. XXXX  denied making the statement even though the call was recorded. XX/XX/XXXX, Requested to cancel services. XXXX  refused to cancel services and attempted to intimidate me into keeping their service. I had to contact my new carrier and port my numbers. XXXX still charged me after I no longer had their service saying incoming text messages counted although there where no out going calls made from two of the 3 lines and I requested to cancel services weeks prior to porting my lines over to XXXX. XX/XX/XXXX9, sent three phones back. Two were in excellent condition. Never received credit for returning phones (collection account).Sent ipad back. Purchased in XX/XX/XXXX. First XXXX agreed to take it back buyers remorse, then XXXX  said it never said made that statement. XXXX should be fined for deceptive practices, fraud, and theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
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: EQUIFAX, INC. (TX)

Complaint:
These account do not believe to me, I do not recognize these account numbers nor accounts. I believe that i have been a victim of identity thief. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} opened XX/XX/XXXX XXXXXXXX XXXX {$840.00} Opened XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Complaint:
Transunion is listing 13 hard inquires on my credit report illegally. Be advised that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification. 
Please mail me an updated copy of my consumer report within 30 days of receiving this letter. Should you not delete the above unauthorized credit inquiry, I may refer this matter to an attorney.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

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 2022-04-07
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: EQUIFAX, INC. (GA)

Complaint:
In accordance with the fair credit reporting act 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 has violated my rights. 

15 U.S.C.1681 section 602A. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
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. (DE)

Complaint:
This is a clear pattern, every time I am close to reaching an 800-point credit score EXPERIAN finds a reason to drop my score for no valid reason! Experian dropped my credit score XXXX points when someone tried to steal my identity, another XXXX points when I complained to the CFPB, XXXX points when I paid off my debt and a zero percent usage percentage. And now after paying off a {$190000.00} mortgage Experian raised my score XXXX POINTS! I hope the CFPB can see that there is a problem with this XXXX company and takes action to do something!!!!

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 2022-04-05
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: EQUIFAX, INC. (IL)

Complaint:
In accordance with the fair Credit Reporting act XXXX XXXX Bank 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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. (VA)

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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