hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-01-04
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: Clarity Services (TX)

Complaint:
On or around XX/XX/2019. I received an alert from my credit monitoring that a new inquiry for a personal loan had been added to my report. I immediately disputed the fraudulent inquiry, the inquiry was made through Clarity Services INC. they are a low budget credit reporting agency operating out of XXXX, Florida. several people have tried fraudulently to open personal loans in my name using Clarity Services INC . The inquiry was removed through XXXX  the major credit reporting agency. I then attempted to place a freeze on my credit report with Clarity Services, INC. I followed the Clarity Services INC procedure to initiate a freeze by completing their SECURITY FREEZE REQUEST FORM and mailing it to Clarity Services , Inc. XXXX. XXXX XXXX XXXX, FL XXXX. They send me a letter stating that they need my full name, DOB and Social Security, all of which were provided to them on the credit freeze form they require you to use. I believe that Clarity Services is misusing consumer information and then making it impossible for someone to stop them by refusing or making difficult for consumers to place a permanent freeze on their own reports. I have also tried to resolve the issues with clarity services about the fraudulent inquiry but the telephone customer service representative refused to provide me with information, again showing how difficult it is to remediate fraudulent information with their company,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (IA)

Complaint:
Over a year ago I disputed a fraudulent Wells Fargo Credit Card on my credit profile a long with sending in police report. XXXX claimed after investigating that the account was mine. I sent the same police report and filed a CFPB complaint against Well Fargo ( CFPB # XXXX ). Wells Fargo sent me a letter dated XX/XX/2017 stating the account was fraudulent and they will stop reporting to credit bureaus. I again disputed the account with XXXX. They have not deleted that account from my credit profile.

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 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Complaint:
I have sent a 609 letter to all 3 credit bureaus requesting validation of a debt that 's reporting on my credit account labeled " XXXX ''. 

I am requesting that under the FCRA act that this company provide me documentation on this debt, proving that I am liable as I have not received anything in writing, email, text message, phone conversation from this company. 

I sent a 609 letter to all 3 credit bureau 's whom failed to provide me proper documentation that this debt belongs to me. Yet XXXX is reporting and making changes to this debt monthly without my consent or my aggreance. 

I have attached the 609 letter that was sent to the credit bureaus and also screen shots of XXXX erroneously reporting this account on my credit report. This debt came back 'verified ' but I was not provided any documentation that supports that claim. 

Please furnish all documentation that authorizes this company to do this to include but not limited to a contract signed by me with this company. 

Otherwise I am requesting removal of this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (VA)

Complaint:
XX/XX/2022. I received a letter/statement that someone tried to open a bank account to get credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (PA)

Complaint:
Last Summer, I was approved for COVID-19 rental assistance. My apartment ( XXXX XXXX Apartments ) agreed to work with the program ( XXXX  XXXX by XXXX ) and we all signed the contract. They received rent in arrears via mailed check in late XXXX or beginning of XXXX. The program also pays for XXXX additional months ( XXXX ). My apartment complex 's manager didn't know about the 3 months of additional funding, so she emailed over the ledgers 3 months late to receive payment. She was supposed to email ledgers by the XXXX of every month. House XXXX explained to her that they will not expedite payment because she failed to do it on time and they work in order received. I was recently approved for XXXX additional months of rent payment. I moved out of my apartment on XX/XX/2022. I moved out for XXXX major reasons- I have a terminally ill wife, so we moved back to Pennsylvania XXXX we could be near her family again. Secondly, I couldn't stay at that apartment anymore because my apartment was charging me monthly late fees until they receive a check from XXXX. My apartment wouldn't let me make any payments towards anything because they require a full payment. Once the check was received, I would've owed a lot of money that includes late fees, water/sewer, tech amenity, etc. On XX/XX/2022 I received an email from a debt collection agency that my apartment turned over my balance to them. My apartment should not of sent anything to a debt collector and should have continued to wait for a payment to arrive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (SC)

Complaint:
The XXXX XXXX sent me multiple emails after I departed from their facility none of which mentioned a debt owed. I have attempted to contact them for months when my roommate first made me aware of the balance ( no answer ). My roommate stated that it appeared on her credit. A month later I started getting harassed with multiple calls ( within minutes of each other ) everyday while at work. When I would call back I got line errors so I thought it was fraud. This company Hunter Warfield who is now reporting to my credit never sent me anything regarding this debt. I had no issues fr the XXXX while living there so Idk what this could be for. I have disputed this debt TWICE on my XXXX report since XXXX and still have not gotten a breakdown of the debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. Collections West, Inc. (AZ)

Complaint:
on XX/XX/XXXX and again on XX/XX/XXXX I submitted a dispute with XXXX, XXXX XXXX and XXXX  in regards to an account that U.S Collections West had recently placed on my credit reports. The investigation results revealed that said account was verified as reporting correctly with all 3 bureaus. On XX/XX/XXXX I received a statement from U.S. Collections West dated XX/XX/XXXX showing a list of charges and an alleged balance owed to their client XXXX XXXX XXXX. I immediately contacted XXXX  to inquire about the matter and informed them of my dispute.The statement reflects a list of charges for supposed service that I do not recognize nor am I able to verify. Oddly all the charges are exact dollar amounts. The collection notice states a balance is owed in the amount of {$4200.00} .However the statement from XXXX reflects a different amount owed of {$1800.00}. I never received any communication from XXXX. On XX/XX/XXXX I sent a certified letter to USCW reaffirming my dispute and requested specific verification for the alleged debt. No response has been received. I have been unable to resolve this matter with either companies. U.S. Collections West continues to ruin my credit. AZDFI has reported that correction action was taken against their license for similar violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Complaint:
I have asked Midland to validate this debt as mine and they have not sent anything saying I agree to pay this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Complaint:
My name is XXXX XXXX and I am not a 3rd party please see the attachment documents that I have uploaded for this complaint.

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 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} ; XXXX XXXX XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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. (AZ)

Complaint:
I am submitting this complaint in response to the recent investigation done by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question : DEPTEDXXXX XXXXXXXX Balance : {$1200.00} DEPTEDXXXX XXXXXXXX Balance : {$1200.00} DEPTEDXXXX XXXXXXXX Balance : {$1900.00} DEPTEDXXXX XXXXXXXX Balance : {$1200.00} DEPTEDXXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update or remove these disputed items. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time the Bureaus are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless they notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated or deleted according to Section 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

Complaint:
The addresses that are posted do not belong to me I have never lived at these addresses delete immediately XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, LA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
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. (IL)

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-02-09
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. (NV)

Complaint:
Citi ( R ) Cards, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Letter dated XXXX claimed to have conducted an investigation using the information provided ( which is attached that CLEARLY STATES THAT THE HOTEL WOULD BE CREDITING MY ACCOUNT in the amount of {$40.00} ) about the dispute and stated that was not enough to support the claim. This is absolutely a fraudulent statement and this continues to be a problem with Citi ( R ) Cards not protecting the consumer.

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 2017-07-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NY)

Complaint:
I used the Amex Serve prepaid debit card ending in XXXX to bill pay a credit card online for which Amex Serve sends out a physical check against the funds on the account to be delivered to a merchant. ( In this case, a credit card at XXXX ending in XXXX for {$940.00} on XXXX ) After a period of no activity on the XXXX account, I called Amex Serve on XX/XX/XXXX ( they said the check is usually delivered in 2-4 business days ) to notify them of non payment to XXXX and asked to dispute the charge. I was charged the {$940.00} on the Amex serve card but never received the bill pay credit on my XXXX card. <P/>After a long wait, Amex Serve came back and said that the check was delivered and cashed by XXXX and that the dispute was closed. I then called Amex Serve again to notify them that I never received the bill pay credit with XXXX. After receiving no help from a CSR, I spoke to a manager who seemed to understand the problem. <P/>She took extensive notes detailing what happened and said that the dispute would be opened again and that the Amex Serve dispute team may possibly contact me in 2-4 business days asking for proof from XXXX of non-payment ( screenshot of the XXXX card account showing no credit given ). This was on XX/XX/XXXX. <P/>I received a notice from Amex Serve on XX/XX/XXXX directing me to look at a secure message. I could not open it and got this error message when opening the link : Bad Message XXXXreason : Request Entity Too Large. I called into Serve and was again told by a CSR that the dispute was closed as they had proof the check was delivered and it was cashed by the merchant. <P/>Once again, I explained that XXXX never credited me for the payment and that this was my third call and dispute. I spoke to a manager again who said he 'd open the dispute again and gave me the same speel about being contacted in 2-4 business days for possible proof of non-credit by XXXX. <P/>It seems like Amex Serve 's dispute process is hung up on whether the check was delivered to the bill pay recipient and/or cashed. Whether the customer actually had the bill pay credited, they do not seem to care. They as the payments company have the power and responsibility to talk to the merchant to verify bill pay credit and whether it was paid properly. They seem to be unable to resolve this case and I would greatly appreciate the CFPB 's help in getting proper credit on the XXXX credit card I used Amex Serve to bill pay.

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: 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. (MD)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-09
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. (NV)

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2020-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
I went to the car dealership to trade my car in and approved with a high interest rate. I look at my credit and still see accounts on there that are not mine. Can you please take this stuff off my credit US Dept of Ed, USDOE XXXX and XXXX XXXX. I have contacted the FTC and local police.

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 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation