hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-08-07
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. (CA)

Complaint:
In accordance with the Fair Credit Reporting act XXXX # XXXX XXXX, XXXX # XXXX XXXX, XXXX XXXX # XXXX XXXXXXXX, XXXX # XXXX XXXXXXXX, XXXX # XXXX XXXX, XXXX # XXXX XXXX, XXXX # XXXX XXXXXXXX, XXXX # XXXX XXXXXXXX, 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 2020-01-16
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: AMERICAN EXPRESS COMPANY (CA)

Complaint:
Per FTC sec 609 credit agencies are not validating my credit they are simply verifying my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Credit Acceptance, LLC (GA)

Complaint:
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2021. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Valentine and Kebartas, Inc. (NY)

Complaint:
The company is Valentine and Kebartas LLC XXXX XXXX  XXXX XXXX, MA XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX They lied to me and said they had a gift and great news for me and then she said it was illegal not to pay my bills. I explained to them that both my cards were stolen from XXXX XXXX XXXX  and they did not help me resolve the balance and this company said they did not care and threatened to put the account on my credit report although XXXX XXXX has charged the account off. 

If the account is charged off why is this company harassing me and i had nothing to do with them. I am XXXX  and XXXX and on XXXX so can not pay XXXX XXXX back but offered to make payments and not they are saying it is too late because the accounts are charged off. 
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 explanation
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (AK)

Complaint:
Dept of Ed is still showing that I owe {$36000.00} in student loans and responded to the last complaint saying I still owe, DESPITE me providing documentation showing PAID IN FULL. This student loan has been paid for for quite sometime. I WILL NOT pay a second time for something I DO NOT OWE. On top of that, I became XXXX 3 years ago after a XXXX XXXX XXXX that STILL requires further XXXX  and has left me unable XXXX  XXXX, do my daily activities, left me with EXTREME nerve damage, and I am in the middle of a malpractice claim for. The LAST thing I need is for someone to report FALSE information to my credit, since I may need my credit for my XXXX. 

I do not know how many times I have to complain until SOMEONE takes it seriously and stops reporting " verified ''. 

I am providing two documents from XXXX showing the student loans were paid in full, as well as photographs of my leg injury that I am dealing with. 

I have paid my debt in full and now am faced with a lifetime of XXXX and have to continue to fight for what is right against companies that simply buy and sell false information. 

Again, this debt is paid. I WILL NOT PAY AGAIN, even if I could. It is sad that companies like this can continue to destroy the lives of the innocent, especially those who are a disabled. I hope people are proud of themselves for picking on the weak. Nothing but a bunch of bullies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (NY)

Complaint:
Ive comtacted the company several times some items where removed but not all

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 2023-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

Complaint:
CCS Collections is trying to collect on a debt that isn't owed and is reporting false information to the credit bureaus and will not remove. There is no balance due to XXXX XXXX policy # XXXX. The CCS Collections account # XXXX needs removed from credit file immediately or I will seek legal action in excess of the {$360.00} balance they said is owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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. (AZ)

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$180000.00} 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 2020-08-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HOVG, LLC (AZ)

Complaint:
My husband started receiving Pre collections notices from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, Az XXXX Telephone number XXXX. At the end of XXXX regarding a trip he supposedly was given in an ambulance on XX/XX/XXXX in XXXX XXXX, AZ XXXX # XXXX. We live in XXXX, AZ, He was not in XXXX XXXX since he has always work in XXXX, AZ. He contacted XXXX to notify them that it was not him. They told him not to worry, that they would take care of it. We continue getting the notices. I, his spouse called the XXXX on XX/XX/XXXX, the representative when it was time to verify the information XXXX His Social Security number ) stated that it was not the one they had in the system. I asked why were they still sending the bill to my husband if it was not him who was given the service just happen to have the same name but different socials. She stated not to worry about it and since the Socials didn't match it would not go on his Credit Report. Also that they would make a report on it and would call us once the issue was resolve. We stop receiving mail from XXXX. Shortly after that we began receiving notices from Bay Area Credit Service XXXX acct XXXX. My husband and I are trying to purchase a home, he was notify that his credit went down 60 points. After doing some research he found out it was because XXXX sent his account to collections, After we were told not to worry about it since his social did not match the account they had open, just happen to be he and the man who was given services have the same name. Now, on XX/XX/XXXX My husband after trying to fix this issue and us been told it was not going to his Credit Report, Called both parties again. XXXX XXXX XXXX XXXX told him that the only thing they can do is dispute this claim, but cant really do anything until the dispute is completed. XXXX told him that they are still reviewing the report from when I called on XX/XX/XXXX. My husband told him if his social didn't match the one in the account how come it went to his credit report. The supervisor didn't know what to tell him, just to wait until they review the issue. He also told them that when he called the first time he was told not to worry about it too. They stated they only had a record of me calling to resolve the issue and not him. Its been 6ms of them reviewing the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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. (GA)

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-17
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. (FL)

Complaint:
To whom it may concern, Several months ago, I checked my credit to find that XXXX and Experian ( henceforth known as defendants ) : were reporting inaccurate information on my credit report, which puts them in violation of federal law FCRA 609. 611 and 15 U, S, C, 1692-1692p I'm requesting the CFPB office to investigate this matter to bring charges against the defendants for there violations of the Law based on the following facts : On XX/XX/2022 I sent a notarized, certified letter with a return receipt ) to defendants requesting to verify the incorrect information that is being reported by doing the following according to FCRA 609 : I. send me the copy of the originals contracts bearing my signature for each account listed ( see letter One ) 2.send me any and all other information or evidence you have on files pertaining to the accounts listed ( see letter one in attachments ) 3. Name, address. phone number and mailing address for each person involved in this investigation, The defendants had 30 day to provide this information by law On XX/XX/2022 I sent my second letter asking for the same information certified with return receipt ( see second letter attached ) defendants had 15 days to respond and provide me with my requested information by law On XXXX I sent my third letter certified with return receipt to defendants ( see attachment ) as of this letter defendants have failed to comply with the law In conclusion the defendants must provide me with everything i requested above or at least an explanation as to why they can not send or show you the evidence, As a result of defendant 's inaccurate reporting, I have been denied credit opportunities Relief sought : that defendants remove all information that they have not sent me the information i requested and all other inaccurate reported accounts and that that the attorney General office file charges on defendants for them being in violation of the FCRA XXXX 

If you need the return receipts I will send them upon request Thanking you in advance 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 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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 explanation
Consumer complaint received 2022-12-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Allied Consulting Services LLC (VA)

Complaint:
Allied consulting service continue to call and text my phone and my husband phone. We do not have an account with them and have never had an account with them. We have good credit. My husband is an XXXX vet XXXX years and he has had a XXXX. I am his legal caregiver. We are constantly harassed. I have asked them verbally to stop calling. I have called them and provided both numbers to stop calling and they still call and send text messages. I was hung up on when I asked them to stop calling. Today I sent them a message on their website and provided both number and asked them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
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: WELLS FARGO & COMPANY (NJ)

Complaint:
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX Date of Inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  XXXX XXXX Date of Inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX/XXXX  Date of Inquiry : : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX Date of Inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft WF/XXXX XXXX Account Number : XXXX This is not mine.

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 2015-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (WA)

Complaint:
In XX/XX/XXXX, we closed our XXXX account via phone from XXXX and made our final payment. I even asked for documents confirming that the account was closed, which I cant recall if we received. Now a debt is appearing XX/XX/XXXX for that account that was closed 2 years prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (CA)

Complaint:
On XXXX XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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: U.S. BANCORP (WA)

Complaint:
Today, XX/XX/2023, I tried to pay my hotel bill with my US Bank Visa debit card and it was declined even though I have enough money in my account. I called customer service for US Bank and they said they suspected fraud and transferred me to the fraud department. The fraud department left me on hold for a long time and I had no guidance from their phone system as to how long the hold was. Since I did not do anything unusual, I think the fraud tag is their fault not mine and that is why there are so many customers being transferred to fraud. I can not get this fraud tag taken off without calling them but it is impossible to talk to their fraud department. They never do anything when I email them, so I am not falling for that again.

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 2022-07-22
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. (NC)

Complaint:
There is information thats on my consumer report, that is a result of identity theft. I did not provide written permission or instructions for the identity. Transaction to be reported on my consumer report.I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions are not information related to my transactions by me as a consumer. 

You are required to do what I am asking and block these transactions from being reporting/ reported within 4 days from the receipt of this notice I look forward to your response XXXXXXXX XXXX credit card XX/XX/2022

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 2022-04-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (NJ)

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX XXXX in XXXX has submitted a second collection agency to report against my credit report to all three credit bureaus with capio partners llc agency for {$4000.00} this isn't the only time that a collection agency that has tried to report a collection for the same bill from XXXX XXXX XXXX. XXXX XXXX XXXX agency I had to dispute with on XX/XX/XXXX for the same bill. 
In which I disputed with all credit bureaus for it is identity theft for my brother XXXX XXXX has used my name in crime sprees with credit card fraud and hospital bills. XXXX XXXX XXXX XXXX has continued to harassment continuously since then

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
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. (CA)

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2015-05-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

Complaint:
I tried communicating with lenscrafters several time due to a collection they reported on my credit report even though I paid it off right away. I have all the receipts and invoices that are necessary to prove that this account was paid a long time ago. However, they still reported it. So I called them several times and they told me to send them my documents ; which I did, and months later, they still have n't gotten back to me. I called them and asked and they said they do n't have a number to their dispute department. How is that even possible? How am I even suppose to know they 're looking at it? They would always tell me they 'll call me but never did. So I am hoping that by this complaint, it will open their eyes that this kind of matter should be taken seriously. It 's not like I just picked {$400.00} on the sidewalk and much more my credibility as a borrower to have that kind of remark on my credit report.

Company response to consumer: Closed with monetary relief