hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-12-15
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: EQUIFAX, INC. (FL)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Complaint:
Hello, I am aware that I have rights protected under the Fair Credit Reporting Act ( FCRA ) and I believe it is imperative that I share this information with you. 

I have discovered a very easy, clear, and concise violation on one my collection accounts.

On my credit report, I see that the " Date Opened '' for this collection shows as " XX/XX/XXXX ''. I will be attaching the section in my credit report which clearly shows the dates highlighted for you to see erroneously input by this collection agency. 

I will also be attaching letters sent to me by this same collection agency way back in XXXX! This account has been open for at least 5 years ( not since XXXX as they've claimed ). They are lying on the credit report and this is a clear violation. 

I respectfully demand that the following account be removed from my credit report because of their lies and inaccuracies on my credit report : Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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. (IL)

Complaint:
Complaint against XXXX XXXX violating FDCP as well Violating FCRA. As of XX/XX/XXXX Disputes started with Major CRAs. All letters sent out have been. Notarized and certified via usps mail. On XX/XX/XXXX disputes sent directly to XXXX XXXX started. I have provided endless forms of proof to both bureaus and Credit card company this is an inaccurate unverified account and is in violation of FCRA AND FDPA. Yet no entity involved has ran an independent investigation in which I am entitled under the law yet instead traded unverified info amongst electronic system such as eoscar ( CRAs ). XXXX XXXX 1 out of 3 letters returned to sender due to inaccurate address reporting on 1 of the bureaus. Each bureau showing different reported info. XXXX XXXX response to my dispute request was a request for validation because they could not locate account which letter and names dates all attached to this complaint. I cant verify account with XXXX XXXX yet they refuse to stop reporting this unverified info as CRAs do the same continue to report Unverified info. Contact made yesterday To XXXX XXXX to make final attempt to resolve before filing a complaint today was unsuccessful in removal of inaccurate unverified info, yet a productive call. On a recorded line as XXXX XXXX States XXXX who is a Supervisor id XXXX was able to confirm her company could not verify locate any specific information about this credit card account in question in her system. Yet every bureau is verifying how when this is what I was able to find. It was a 58 minute phone call on XX/XX/XXXX. I have attached all documents supporting my statements in this complaint. I have copies of all sign notarized certified disputes sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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. (MI)

Complaint:
In accordance with the fair credit reporting act XXXX  accounts have violated my rights. 

XXXX XXXX Account : XXXX Problem : Contacted company multiple times about late payment not being late. 
_____________________________________________________________________ State Of Michigan : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX / XXXX XXXX XXXX 15 U.S.C 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 an 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 2021-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

Complaint:
AMEX SERVE National Bank on XX/XX/21 at XXXX, Monies were fraudulently taken from my account at an ATM Location in XXXX. a total which was in excess of {$700.00}. The alert was sent out to the app. Immediately I notified AMEX FRAUD Division. All submitted documents will explain the timeline. on the first application, I had included all the fees charged. The first time I was denied, I was told to not include service fees for they were already returned to me. To resubmit the application minus their fees which I did. the second application resulted in denial again and to send a letter to their fraud department in Georgia. Which was on the third last attempt due to COVID. I am a XXXX  in the frontline I was distracted. but contacted Serve fraud and they asked that I resubmit ... which with understandably so with delay was submitted. I never got a formal answer from the fraud department which was necessary for me to include the local law enforcement at the XXXX XXXX  in this recovery. Whether it's unwilling or duplicity on their part. That is the question. submitted are the necessary documents that were requested. The last delay was due to COVID Thank you for a hopefully positive resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint:
I've contacted the original creditor ( XXXX XXXX XXXX ) and all 3 credit bureaus Transunion, XXXX, and XXXX about inaccurate information that they're continuing to report on my credit reports. 
Please Verify and Validate all data for the account, every notation, dates and balances whether reported or not. I've been ignored and is in violation of my consumer rights according to the FCRA. This account needs to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

All 3 credit bureaus are reporting incorrect dates of when the account was opened, and the amount owed. I would like to be provided with proof of where and when the vehicle was RESOLD and the amount it was sold for. According to FRC section ( 609 ) if you have no proof of any one, I would like it removed immediately. I would like an update mailed to me immediately.

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 2023-04-08
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. (FL)

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS 9PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (GA)

Complaint:
There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX inquired XXXX XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX, XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
Previously reported this company to Transunion and called XXXX directly. Issue was never resolved after years of trying and sent a letter from XXXX showing I was never late but they decided to fraudulently add the same notes saying my payment was late when it was in fact never late. The vehicle was totaled out and paid off. Next time this happens I will take legal action against company for discrimination they consistently attempt to ruin my credit as a brown person.

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 2022-04-05
Product: Credit card or prepaid card — Store credit 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. (AZ)

Complaint:
Purchased a tablesaw in XX/XX/XXXX with the HomeDepot Credit Card ( run by CitiBank ) and received an incomplete product. Requested a refund and for the item to be returned in XX/XX/XXXX. Contacted both Home Depot and CitiBank about the matter in XX/XX/XXXX. I filed a dispute with CitiBank for the amount of the purchase, {XXXX}. Dispute was later closed XX/XX/XXXX and marked resolved with a vague letter not clearly stating what the resolution was. CitiBank stated over the phone the credit was approved but will not refund the credit until they get confirmation the tablesaw has been returned to Home Depot. I have called Home Depot numerous times to come pick up the item and to notify CitiBank once they do. Home Depot fails to come pick up the item. I have informed CitiBank of this ; they stated they want me to begin making payments on the {XXXX} amount until the item has been returned and refuse to re-open the dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-29
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: EQUIFAX, INC. (GA)

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for 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. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; US DEPT ED XXXX XXXX : {$0.00} ; US DEPT ED XXXX Balance XXXX {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$6400.00} ; XXXX XXXX XXXXBalance : {$270.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Continental Services Group, Inc. d/b/a ConServe (CT)

Complaint:
The company calling was CONSERVE. When I returned the phone call they said they sold my number. They said they have every right to call any number for debt collection. I asked if I had a debt and they did not know but offered a service to help with debt. I have NO debts.Their number was XXXX XXXX XXXX. They ( the man 's name was XXXX XXXX XXXX said that they do not look at the do not call list. And again tried to sell me a service to avoid debts. This is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
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: LEXISNEXIS (GA)

Complaint:
To whom it may consern : My identity has been stolen and accounts had been opened in my name with out my knowledge, this report is been created in effort to clear my name. A copy of my drivers licence and a utility bill is attach to confirm my identity. I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

Complaint:
In XXXX of XXXX I went to my local bank branch to effect a balance transfer which would pay off my Visa account at USAA and create a new Visa account at my local bank ( for which there was an incentive of getting six months without interest ). The payment from my bank to USAA was rejected as having the wrong address. After additional attempt was made to effect a balance transfer, I requested an e-mail from USAA with the verified payment address, which they provided. This was the very same address which I had provided to my bank the first time I attempted to transfer the balance in question. After a 3-way call with myself and representatives from both my bank and USAA was held to determine exactly what was required to do a balance transfer, a final attempt to effect a balance transfer was undertaken in XXXX of XXXX and again USAA rejected the payment from my bank stating that the full account number of the USAA Visa account was needed. My bank XXXX XXXX XXXX XXXX XXXX XXXX assured me that the entire account number was provided to USAA via ACH information but was never included on hard checks due to security concerns. Nevertheless, USAA again declined the payment and seems to contrive multiple and various excuses to decline any attempt to effect a balance transfer from my bank. 

Ultimately, I have declined to make further payments on the account pending a resolution of the issue because I believe USAA is deliberately obstructing my attempts to close out my Visa account with USAA. I have communicated my position to USAA in that regard but they have now begun harassing me with collection calls on a daily basis. 

My bank assures me that they have provided all the required and customary information for transactions of this type to USAA. USAA, however, continues to claim that additional or different information is required or that the information needs to be presented to them in a different form. In short, they are refusing to accept a balance transfer as payment against my account and doing so without justification, which has cost me over 15 months ' worth of interest ( a total of over {$1000.00} ). I have spent considerable number of hours making multiple trips to my local bank branches, making phone calls, and participating in online help chats until I am simply unable to continue pursuing this myself because nothing I do changes the outcome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
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: WELLS FARGO & COMPANY (IL)

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX, there are excessive inquiries on my credit report for auto financing. These inquires are not permissible. I did not authorize these inquiries, provide any personal information or a signed statement authorizing inquiries. I approved inquiries while auto shopping however those inquiries are not the ones I am disputing. I am aware dealerships will submit applications to multiple financing companies to shop around for the best rate. I did not authorize this and would have never allowed abuse of my credit reporting in such a way. I have reached out to your company regarding inquiry and was denied removal. The unauthorized inquiry has a negative impact on my credit score and future opportunities.

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