hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (IL)

Complaint:
This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data and credit information from a defaulted note purchased from XXXX XXXX AT XXXX XXXX XXXX ON defaulted notes is a violation of UCC 9-110 and UCC 2- 401. As a private natural person consumer I have been violated. They use the Credit Reporting Agency 's to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with NATIONAL CREDIT SYSTEM. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). NATIONAL CREDIT SYSTEM can not and will not ever produce a contract between me XXXX XXXX, XXXX and NATIONAL CREDIT SYSTEM because that contract does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
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: Bread Financial Holdings, Inc. (VA)

Complaint:
XXXX XXXX Account Number XXXX I the consumer entered into a consumer credit transaction with Victoria Secret on or around XX/XX/2017. I entered this transaction using my open end credit plan. I have been injured by the deceitful misrepresentation of Victoria Secret. I wrote into Victoria Secret a validation of debt. I did not receive the 5 required items according to congress when a validation of an alleged debt is requested. Furthermore, Victoria Secret has sold this account and has another company ADS with my personal information now alleging that I am in debt with them. 

As a consumer my consumer rights have been violated pursuant to 15 USC 1681b which states that my information should not be furnished unless in response to subpoena in connection with Federal grand jury or in written instructions, by myself the consumer which I have not. I am prepared to pursue legal action against this third party collection agency if my information is not immediately removed from all three credit reporting agencies. 

Both Victoria Secret and ADS have committed fraud and several violations of the FDCPA and TILA. ADS has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX ; XXXX  XXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA ; XXXX Date Updated : XX/XX/2019

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 2018-01-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CIT BANK, NATIONAL ASSOCIATION (MT)

Complaint:
I have sent three emails to CIT Bank asking about the {$100.00} bonus I was promised when I opened this account. I was told I would receive this bonus if I kept an average daily balance of $ XXXX in this account for the first three calendar months AFTER I opened this account. I was also told I would receive this bonus within 45 days of the third month. So I should have received this bonus by now. I opened this savings account in late XXXX of 2017. I did in fact keep this balance through the months of XXXX, XXXX and XXXX. I have not received replies to my two most recent emails concerning this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-02
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. (AZ)

Complaint:
I am a victim of identity theft. The following accounts and credit inquiries are listed on my Experian, XXXX and XXXX XXXX credit report, are all fraudulent and unauthorized : XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX DC, XXXX XXXX   XXXX  XXXXXXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, i never applied for credit or accounts with any of the creditors listed above.

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 2021-11-29
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. (WV)

Complaint:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

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 2022-02-03
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:
I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
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. (NJ)

Complaint:
I have requested accounting of this contract and until it can be verified, it should not be reported on my credit file. 

15USC1681

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 2022-04-18
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. (IL)

Complaint:
Despite the several written requests that I had sent, there were no changes done on my credit report that I had previously disagreed with. This is unacceptable on my part since I am planning to take up a new credit soon and these items are hindering me from getting new credit. 

I have tried to dispute the late payments and I have not been successful. 

Account : XXXX XXXX XXXX XXXXXXXX {$49000.00}

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 2023-02-23
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: TD BANK US HOLDING COMPANY (TX)

Complaint:
My personal information was used in identity theft I have never applied or signed for any credit cards, insurance or loans which I am disputing. I currently filed with the FTC and local police authorities both have assigned a case and file number to investigate. I discovered the information on my credit report XX/XX/ which I notice Nordstrom Card on my credit report for fraudulent amount XXXX I have called Nordstrom Cards with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

Complaint:
I have this account in my credit report but is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Complaint:
When I reinvestigated my credit report, I realized that some of the accounts were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below and remove the negative remarks : XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX  XXXX XXXX Balance : {$8600.00} XXXX XXXX  XXXX XXXX XXXX : {$4600.00} XXXX XXXX XXXX XXXX Balance XXXX {$650.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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. (NC)

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
Made several disputes subsequent to submitting documentation to the corresponding department fraud with Trans Union to have these remaining inquiries removed. I submitted the FTC report circling the inquiries that need to be removed from my credit report with Transunion.

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 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Complaint:
THE COMPANY REPORTED INACCURATE INFORMATION THAT THE PAYMENT WAS 30 DAYS BEHIND AND IT IS NOT

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 2023-08-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

Complaint:
on XX/XX/23 i sent experian an inquiry into the some things i saw on my credit are not vaiid. They have ignored my attempts to resolve these issues and will not comply with what i know is right and is causing me financial hardships at the moment. I have been ignored by the agency and have sent multiple request.

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 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Genesis FS Card Services, Inc. (IL)

Complaint:
XX/XX/2020 I had a missed {$18.00} credit card payment added to my report that was not late, the dates are inaccurate on all three credit bureaus reports and do match up I've reached out and haven't heard responses back on the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FinCo Services Inc DBA Current (IL)

Complaint:
Current unfairly deny fraud claim saying no fraud occurs after I disclose THEE fact that me have a XXXX XXXXysomeone steal all money from THEE account of me. Not fair, not cool. They discriminate like most people because me XXXX American and not smart very but getting very better. People take disadvantage of me and I am tired. Someone steal all money of me from current checking account and current do not help me. I reported a call to the polices and they give to me a number XXXX XXXX. Me calling News station next.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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. (PA)

Complaint:
I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I still have some inquiries passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data 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 informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Date XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

Complaint:
Recently I found an incorrect Bankruptcy record reporting on my credit file. I filed a dispute in writing and went a step further and contacted the Bankruptcy court of record in an attempt to sort out this error. I was referred by the clerks to the Office of Criminal Enforcement for the Executive Office for U.S. Trustees, whom I contacted several weeks ago. Last week I received a letter from your firm informing me that the Bankruptcy information was verified. Now, Today I received a call from an investigator in the Office of Criminal Enforcement, who informs me that the information YOU have verified as accurate was INCORRECT.

Based on the information provided by the investigator it appears that YOUR firm never contacted the Bankruptcy court, never verified or validated the information disputed and is in violation of the FCRA. Since it now appears quite clear that your VERIFICATION is erroneous and you NEVER contacted the Bankruptcy court in the first place, I am making a direct demand under 15 U.S.C.A. 1692g ( b ), that your firm provide the following VALIDATION of information regarding HOW and WHAT you are reporting on my credit report in regards to this erroneous Bankruptcy.

Please supply the information below so that I can be fully informed : The name and address of the Court Clerks office contacted for verification.

The Phone and Fax numbers of the Individual or Department from whom you obtained this information.

Provide standard procedure for verification and validation of disputes filed under the FDCPA and FCRA.

Provide me with a COPY of the information that this Court of Record has provided to YOU in regards to this erroneous verification of the disputed Bankruptcy.

You have 5 days to acknowledge in WRITING the receipt of this 15 U.S.C.A.

1692g ( b ) dispute and 30 days to provide the information requested above.

If you can not or choose not to pursue this matter, provide me with a written notice of ITEM DELETION of the Bankruptcy Record in question within the next 14 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (GA)

Complaint:
First I received a email from XXXX so I login and see an inquiry from unknown company called Zions Debt Holdings LL so I immediately contacted XXXX you asked them about this and I asked for this to be removed from my credit report because I have any knowledge of these people with in few they Zions Debt Holdings LL sent me a text message violation of my right on as a consumer to In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
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: BANCO POPULAR DE PUERTO RICO (VA)

Complaint:
On XXXX/XXXX/XXXX, I applied for the XXXX XXXX Credit Card ( application ID XXXX ). Two weeks later, I had not seen a decision so I called and spoke a representative who requested me to upload my income verification for proof of income, which I did. The next day, I called and they advised they had not received it so I uploaded it on the website and emailed it to the email address provided. The rep verified receipt and advised an underwriter would decide in 2-3 days. On XXXX/XXXX/XXXX, over a month later after my application, to supervisor XXXX XXXX who advised that they still had not received my proof of income and that the application would be denied because of that, although the prior representative verified receipt and my document was uploaded on their website. It is completely appalling that a company can just string people along like this with no repercussions.

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 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: STERLING JEWELERS, INC. (OH)

Complaint:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation