hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-06-16
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. (KY)

Complaint:
I am submitting this dispute because Equifax Credit Information Services , Inc., credit bureau has violated FCRA law 609 ( a ) ( 1 ) ( A ) ; " you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. '' Equifax Credit Information Services , Inc. has also violated FCRA laws 611 ( a ) ( 6 ) and ( 7 ) ; " As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher ; '' This organization has received my letters requesting that they validate debts that are in question on my credit report. They responded and stated that those debts are accurate information. I disagree completely. None of the debts listed are accurate. I have also exercised my right to request their methods of verification just as the law states and they have continued to violate the law by not providing their methods of verification information within the allowed time frame. 

Copies of correspondence between myself and Equifax, and certified mail time stamps are attached to this complaint.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX  XXXX XXXX Account Number : XXXX  It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account.

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up 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 non-monetary relief
Consumer complaint received 2020-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Complaint:
I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST (CA)

Complaint:
I purchased a new travel trailer from XXXX XXXX on XX/XX/XXXX, and financed through Bank of the West. The amount financed on my retail installment contract is {$17000.00} and payment amount is {$160.00}. When I received my loan payment book from Bank of the West it showed a balance of {$26000.00} and payment amount of {$230.00}. I called Bank of the West onXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and also went in to a local branch on XX/XX/XXXX. Everyone that Ive spoken with agrees that the amount is incorrect and they have a different vehicle listed as the collateral than what I purchased. Im always told that itll be fixed within 48-72 hours. I had to make the higher payment on XX/XX/XXXX to avoid having a late payment show on my credit report and I was told it should be fixed by the next week. The next payment due date is a couple weeks away and Bank of the West still shows my balance {$9000.00} higher than it should be and a higher payment than what I owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
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. (TX)

Complaint:
I recently got a copy of my credit file from Experian due to a inquiry that popped up on their. I have not applied credit in a long time. Who authorized someone to pull my credit file? Who allowed for them to pull my credit file when I have a Fraud Alert account? According to the FCRA, it's unlawful to provide my credit file without my approval or consent.

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 2023-08-08
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. (TX)

Complaint:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

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 2020-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Health Care Financial Services, Inc. (FL)

Complaint:
Two dept collection agencies ; Account Resolution Service,  XXXX XXXX XXXX, have been reporting unverified and invalid information to all three major credit bureaus, creating a highly negative impact on my credit score. The agency Account Resolution Service reported a collection in the amount of {$1400.00} and the agency XXXX XXXX reported a collection in the amount of {$780.00}. I reached out to both agencies via certified mail in effort to request that they validate the dept in question. The letters were sent out on XX/XX/2020. I then allowed the collection agencies 30 days to respond to my letter. It is now XX/XX/2020. This exceeds the 30 days I allowed for the agencies to respond. I would like further assistance in the validation or removal of these items 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 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

Complaint:
Medical debt is not validated and not properly verified. Has violated my rights and refuses to give correct validation. Has filed a hipaa complaint in addition. Did not authorize this company to have any personal information has no contract with this company please provide method of 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 2023-08-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Complaint:
Before I knew anything about a doctor bill, I received an advertisement in the mail at my new address from a firm letting me know I was being sued and theyd like to represent me. I was later served after replying to portfolio recovery asking for validation of the alleged debt which I never received! When I first showed up for court in XXXX I had a verbal agreement with another of portfolio recoverys attorneys to get a statement from defacs proving coverage and the case would be dismissed. However it was continued and when I went into court most recently on XX/XX/2023 with my proof. It was a different attorney for portfolio recovery and my proof was not taken. This deprived me of my right to a fair and just trial because I was told something else therefore I didnt have time to prepare to defend myself. I showed my proof and even proof where apparently portfolio recovery doesnt own it anymore! Its now owned by XXXX XXXX XXXX and has been since I received the first statement through my email in XXXXXXXX XXXX XXXXXXXX  which is before portfolio sued me for a debt they no longer own! Didnt have to show proof or anything per the FDCPA and ruled against me and got a judgement anyway! Along with writing the wrong case number and amending my judgement which is labeled default judgment even though it was not in fact a default judgement because I did file an answer and I did show up. Now theres a judgment against me because somehow portfolio recovery can sue consumers without having any proof whatsoever and without even owning the debt themselves! If you need any information from me to properly investigate these claims, please email or call me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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. (CO)

Complaint:
While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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. (GA)

Complaint:
On XX/XX/2023 I sent out several disputes to equifax and I never received any response up to and even after the 30 day period alloted for them to reply. On XX/XX/2023 I sent out another dispute asking them to remove the negative items because they are inaccurate and because of the fact I never received any response for them. On Today, XX/XX/2023 I havent received any response back for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, or XXXX XXXX XXXX This is incorrect and needs to be removed from my credit file. Its clear that they are being negligent on purpose. Its been over 60 days at this point that I have received a response for the accounts mentioned above. All correspondence I sent to them will be included.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
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. (FL)

Complaint:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2019-03-29
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: Experian Information Solutions Inc. (CA)

Complaint:
My complaint is against all 3 credit bureaus : XXXX, XXXX  and Experian. Im a victim of fraud and previously I submitted a complaint against XXXX XXXX since they are refusing to remove a fraudulent account from the all 3 credit bureaus. The account is from XXXX XXXX account # : ending in XXXX with a balance of {$3700.00}. This incident took place in XX/XX/XXXX. I was aware of this situation almost 1 year after in XX/XX/XXXX because a collection letter was sent to me. I already filed an FTC ( federal trade commission ) reporting this incident and also a police report which you are going to be able to see attached to this complaint. Im also sending to all 3 credit bureaus an XXXX claim as a last warning in case that account still reflects on my credit reports.

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 2023-03-07
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. (MI)

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against [ name of credit reporting agency ] for violations of the Fair Credit Reporting Act ( FCRA ), which is codified at 15 USC 1681 et seq. Specifically, I believe that the credit reporting agency has engaged in actions that are in violation of sections of the FCRA, including but not limited to : Section 604, which outlines the permissible purposes for which a credit report may be obtained.

Section 611, which requires credit reporting agencies to provide consumers with a free copy of their credit report once every 12 months upon request.

Section 611 ( a ) ( 1 ) ( B ), which requires credit reporting agencies to promptly correct or delete inaccurate or incomplete information in a consumer 's credit report.

Section 623 ( a ) ( 2 ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information in a consumer 's credit report. 
Additionally, I want to bring to your attention that the following addresses are non-mailable addresses and should be removed from my credit report immediately : XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX I have not authorized any person or entity to request or obtain a credit report for these addresses. Therefore, any information related to these addresses is a violation of the FCRA. 

As a result of these violations, I have suffered damages, which may include but are not limited to : [ describe the specific harm you have suffered, such as lost job opportunities, denial of credit, etc. ]. I am therefore seeking monetary relief for each violation of the FCRA, including actual damages, statutory damages, and, if applicable, punitive damages.

I have attempted to resolve this matter directly with the credit reporting agency, but have been unable to do so. I am therefore requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the credit reporting agency complies with the FCRA, removes the non-mailable addresses from my credit report, and obtains written consent from me before releasing any credit report information for any future addresses.

I have attached documentation supporting my complaint, including copies of my credit reports and any other relevant correspondence with the credit reporting agency. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
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. (PA)

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have notreceived any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Complaint:
On XXXX/XXXX/2022, I deposited, through the mobile app, two small checks from my small business account to my personal banking account for ~ {$1500.00}. XXXX notified me after the deposited that there would be a hold placed on the two deposits for 1 week - inconvenience but fine. 

The next day, XXXX places a hold on my entire account, locking me out of online banking, blocking any transactions ( regularly scheduled bills ), denying me access to my funds already in the account. 

On XXXX/XXXX/2022, I called XXXX customer service and they confirmed they locked my account due to the check deposits. And thats just how XXXX does it. 

I have never been accused of depositing fraudulent checks, nor do they say these two checks are fraud. They are unilaterally blocking my account without ever accusing me. Minus the absolute inconvenience as I prepare to travel, this will eventually cause me to gain returned bill payment fees for things already scheduled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

Complaint:
On XX/XX/2021 I purchased a hotel room through XXXX for XXXX nights between XX/XX/XXXX and XXXX at XXXX XXXX XXXX in XXXX XXXX AZ. The hotel advertisement on their own web site and the XXXX line description clearly states the rooms have wifi. Well, our room didn't have WiFi. I approached the staff on site and they said that is a known issue and they are willing to give me credit for {$15.00} per night for the inconvenience. The hotel staff explained to me since I had booked through a third party, the credit would come through the third party credit ( from XXXX XXXX ). After I failed to see the credit on my credit card statement, I contacted XXXX XXXX multiple time and they didn't help me. Furthermore, I disputed with CitiXXXX and they also sided with the vendor. I am asking for a credit of {$45.00} that is due to me. The hotel has to reimburse XXXX but sandwiched between large companies, I feel hopeless.

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