hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-06-16
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: EQUIFAX, INC. (FL)

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XX/XX/2022

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: 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. (PA)

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 explanation
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (VA)

Complaint:
Unable to open an account with Truist Bank. An account was open fraudulently with the previous name ( BB & t ). Also, a bank account was opened fraudulently with XXXX bank. I have been a victim of identity theft for the longest and it's not fair to me because I can not obtain accounts when I go to apply for an account. People can steal identity and get away with it, and it will all fall on you. 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 2015-07-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ResidentCollect, Inc. (GA)

Complaint:
I received a phone call from XXXX from XXXX, ext XXXX. He left a vm message stating it was an attempt to collect a debt. I returned phone call. The collector stated that he was collecting a debt from XXXX from 2008 in the amount of {$210.00}. I have never received a letter or anything regarding this debt, and then 7 years later a phone call to collect the debt that 's clearly outside of Georgia Statue. I have not received any documentation, letters or correspondence from the apartment complex and 7 years later. This debt is bogus and I advised him to not call me again. He refused and stated it had to be in writing. Well, I never received a letter to dispute the bill initially ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
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. (FL)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account #. XXXX has violated my rights 15 U.S.C 1681 section 602 A states i have a right to privacy 15 U.S.C 1681 section 602 A section 2 : It also states 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 2018-08-25
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: EQUIFAX, INC. (SC)

Complaint:
I have several inquiries that I didn't authorize from XXXX XXXX and Car dealers. They are listed on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
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: Experian Information Solutions Inc. (MA)

Complaint:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : Us SM BUS ADMIN ODA ( XX/XX/XXXX ). 
XXXX XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX. 
I did not authorize anyone employed by these companies to inquire and view my credit report.This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights.Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation.In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2022-11-04
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:
Made a request to have late payment incorrectly posted by XXXX XXXX XXXX XX/XX/2018 removed.

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 2020-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NC)

Complaint:
In 1996, I enrolled in the XXXX XXXX XXXX program at XXXX for XXXX XXXX XXXX in XXXX, TX, I was told the program was XXXX approved and my credits were transferable to a 4 year college or university. I refinanced the loan with Nelnet and through the years, every college or university that I have applied for admission will not accept my credits or degree and state the XXXX for XXXX XXXX XXXX is not an approved higher education school. XXXX has confirmed that I can not become a member because I did not graduate from an XXXX approved program. 
I have contacted XXXX for XXXX XXXX XXXX for assistance and was told I could now re-enroll to earn a Paralegal certificate for additional costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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: EQUIFAX, INC. (SC)

Complaint:
XXXX, EQUIFAX, AND XXXX ALL RESPONDED TO MY REQUEST TO VALIDATE AND VERIFY CERTAIN ACCOUNTS ON MY CREDIT REPORT TO MAKE SURE THEY WERE 100 PERCENT ACCURATE. XXXX RESPONDED ON XX/XX/2022, EQUIFAX RESPONDED ON XX/XX/2022 AND XXXX RESPONDED ON XX/XX/2022. ALL 3 CREDIT BUREAUS STATED THAT THE ACCOUNTS WERE INVESTIGATED, VERIFIED, AND 100 PERCENT ACCURATE. 

BUT HOW IS THIS POSSIBLE IF THE ACCOUNTS HAVE DIFFERENT OPEN DATES WHICH ARE ALL INCORRECT, THE DATE LAST ACTIVE IS INCORRECT AND THE DATE LAST REPORTED IS INCORRECT? THIS IS GROUNDS FOR REMOVAL BECAUSE IT IS PROOF THAT AN INVESTIGATION WAS NOT CONDUCTED PROPERLY AND THE INFORMATION IS NOT 100 PERCENT ACCURATE PER THE LAW. 

THEY HAVE ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 604 A SECTION 2 : WHICH CLEARLY STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS. 

I HAVEN'T GIVEN THESE COMPANIES WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL. 

THE FOLLOWING ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY : XXXX : XXXX XXXX XXXX ACCOUNT # " NO ACCOUNT NUMBER WAS REPORTED BY NONE OF THE CREDIT BUREAUS '' XXXX : XXXX XXXX XXXX XXXX ACCOUNT # " NO ACCOUNT NUMBER WAS REPORTED BY NONE OF THE CREDIT BUREAUS '' XXXX : XXXX XXXX XXXX XXXX ACCOUNT # XXXX ( EQUIFAX ) AND ACCOUNT # XXXX. ( REPORTED TO DIFFERENT ACCOUNT NUMBERS ) I HAVE ALSO ATTACHED PICTURES OF MY CURRENT CREDIT REPORT SUPPORTING MY CLAIM AGAINST THESE CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
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:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4000.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX AUTHORIZED USER Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XX/XX/XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
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: EQUIFAX, INC. (TX)

Complaint:
Inaccurate information is being reported on the report by XXXX and my information was shared with a third party more than 4 times with out my consent or authorization it is a violation of privacy and it violates my right to fair credit report XXXX XXXX XXXX XXXX that I know nothing about inquiries that I don't know anything about i didn't give permission for anything to be shared with any other companies at all they never asked me my consent collections I know nothing about I really would like to be compensated for it and for it to be corrected if possible thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Complaint:
was recently scammed by People claiming to be with XXXX security and fraud department. This occurred on the date of XX/XX/2022. They told me they detected unauthorized IP addresses on my phone and that people were using my XXXX account to order things in different parts of the country. They were able to get my personal information by having me install an app that they told was used to see what I was doing on my phone so they can help walk me through the necessary steps to help secure my bank account. They then tricked me into opening my crypto apps and had me download a crypto app Ive never used before called XXXX. They then funneled almost {$7000.00} out of my bank account and stole % 50 of my crypto currency investments. Before finally telling me that Ive been conned and laughing in my face over the phone. Ive filed a claim with Wells Fargo and cancelled my current debit card and had a replacement sent out. Im bringing this situation to light to ensure that Wells Fargo does the right thing and reimburses my stolen funds. I was a victim of a disgusting crime and I believe as a loyal customer of Wells Fargo, which Ive been banking with them for over 10 years. It is the upmost important and right thing to do.

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 2023-03-02
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. (IL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX, XXXX. : # XXXX, XXXX XXXXXXXX XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF XXXX / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / 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 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 explanation
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MI)

Complaint:
I was denied the credit for the Chase Business Ink card because they said I have a history of delinquency per XXXX  with XXXX  XXXX on XX/XX/2021 ( which I informed them, on XX/XX/XXXX, that this is entirely incorrect and not on my report ). I requested my XXXX  report after denial and it too reflects no delinquencies at all. Chase told me I would have to reapply for the card in order be reconsidered. This is something I will not be doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
I have identified an incorrect account reporting on my credit report. This account violates 15US 1681e ( b ). Transunion, XXXX and XXXX refuse to remove the information from my credit report. I attached and highlighted the incorrect information and would like it removed immediately. 

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 2019-10-16
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NV)

Complaint:
I currently have a 30 day delinquency reporting on XXXX  for XX/XX/2018 and on XXXX for XX/XX/2018. I have never been late on payments on this account. I attempted to rectify this with the bank numerous times but they fail to provide billing statements reflecting late payments. I also typically reach out to the bank to confirm payments to ensure no payments are due and each and every time I advised all payments are up to date. Specifically I called during the XXXX, XXXX and XXXX of 2018 due dates and I was told by the representative no payments were due as all payments were met. The 30 day delinquency reporting on my credit profile is incorrect as I have never missed multiple payments for consecutive months on any of my credit cards. Also the reporting against all 3 bureaus are incorrect as two bureaus state I was 30 delinquent in XX/XX/2018 and one states I was delinquent XX/XX/2018. 

This bank has tarnished my credit tremendously with the reporting of this incorrect 30 day delinquency. I am looking to receive help with this or look to take legal action as this reporting is a form of unfair treatment due to the incorrect reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Clearview Resolution Services (CA)

Complaint:
My original loan from XXXX XXXX was quickly sold to a company XXXX XXXX who I never heard from. They told me my debt was sold to Clearview Resolutions. These people referred me to Clearview Associates who its my understanding is a payment processing center. They told me I have to speak with XXXX XXXX at XXXX. This man XXXX (? ) threatened Court actions. I have never received any paperwork from anyone other than XXXX XXXX. When I asked this XXXX guy for copies of the three mailings they gave me I was emailed one ( what seemed like a generic letter ) with the current date from a Clearview XXXX XXXX. And it didnt even have my apartment number on it. 
I want to pay my bill but not to a scammer. How can I be sure Im not being scammed?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
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. (IL)

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (MO)

Complaint:
on XX/XX/2023 I received a called from Radius Global Solutions stating that there is an attempt to collect a debt from a company called XXXX XXXX I have never done any type of business with this company XXXX XXXX  nor did I even know of its existence until I received this call. I told the person on the call that I have no clue what that company is and I needed the calls to stop. The person on the call hung up in my face immediately without saying a word. Hours later I received several calls from the same number but every time I would answer no one would say anything. I have been a victim of identity theft several times in the last few years and this is just another case of it. I have never done any business with XXXX XXXX  I have never had an account with them and I do not owe them any money. Any account made with XXXX XXXX  was made by someone who stole my identity and I did not authorize anyone to do any type of business with this company under my name or personal information. I have attached an FTC report stating the same thing.

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 2022-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

Complaint:
I received a notification from Truist that my new debit card was returned to them undeliverable, I tried to call them many time waiting more than 45 minutes to speak with someone, was impossible. 
So I need to request a new debit card for each account I own with Truist XXXX XXXX XXXX XXXX XXXX XXXX To be sent to my mailing address on my profile. 
Thanks

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