hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Complaint:
The following are hard inquiries on my account that don't belong because I've never applied for a credit card with any of these businesses. There is currently an investigation going on in which my mother had taken loans on my credit and I believe she is the one still applying for credit cards. 
XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX All Banks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-06
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:
I received a computer generated and generic reply to my compliant on XXXX that my account was correct and accurate per their investigation. I sent out an second letter on XXXX asking for proof of their investigation and whom they verified the bankruptcy with. I also requested their method of verification and validation of the bankruptcy, Example a copy of the Bankruptcy Petition for each bankruptcy case listed on my credit report for both Transunion and XXXX. 

Again I sent a copy of my XXXX file showing where they removed the incorrect filing of the bankruptcies do to inaccuracies and inability to verify as accurate on that report and I don't see how the 3 bureaus can show three different information. SAME AS I DID WITH MY FIRST COMPLIANT. I restated that these accounts are listed incorrectly and differently on each credit file, with invalid Court names and must be removed for inaccuracies. 

I did not provide my permission for these accounts to show on my credit file pursuant to section 603 you need to remove it immediately! 

as of this Date XXXX, I have not received a response, proof of investigation or who verified the bankruptcy, and nothing stating or shows on my credit file that these accounts are currently in depute or under investigation.

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 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

Complaint:
On XXXX XXXX, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple address that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after 45 days I review my updated credit report and notice that XXXX and Equifax did not update my address and also did not remove the inaccurate addresses, so I am now, taking the extra step, because I really these addresses off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
i sent in complaint orginally XXXX and submited it as 30 days over limit last week and have not heard a word from company on what their doing to rectify this not even email

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
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. (CO)

Complaint:
XXXX  and Transunion are incorrectly reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2023-10-06
Product: Credit 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: U.S. BANCORP (CA)

Complaint:
My credit card was lost, I noticed some unauthorized charges appeared on my statement. I notified the credit company regarding the unauthorized charges but they denied the claim.

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 2023-06-23
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: Experian Information Solutions Inc. (CA)

Complaint:
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report.

Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 

Please correct this account : XXXX XXXX XXXX XXXX : {$31000.00}

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 2020-04-14
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc (FL)

Complaint:
On XX/XX/2019 the collection agency HUNTER WARFIELD ( address & phone number below ) filed a {$940.00} collection entry against my credit report on behalf of the original creditor XXXX XXXX XXXX XXXX regarding a lease for a property at XXXX XXXX XXXX XXXX, FL XXXX that they claim I am responsible for. note that the lease they provided is INVALID as the LANDLORDS/Owner ( s ) of XXXX XXXX XXXX XXXX, FL XXXX were - and still are - XXXX, XXXX and XXXX, XXXX [ Tenants in Common ] evidenced by the XXXX County Tax Record file attached. The correct VALID lease provided by XXXX XXXX XXXX ( attached ) reflects this ownership as well. The INVALID lease provided to me by Hunter Warfield ( attached ) indicates that the Landlord/owners of XXXX XXXX XXXX XXXX, FL XXXX were XXXX XXXX and XXXX XXXX which is incorrect ( ie not a valid lease ). I have provided redacted versions of both leases along with a screen shot from the XXXX County Florida Property Appraiser indicating correct ownership of the property located at XXXX XXXX XXXX XXXX, FL XXXX. I have never signed a valid lease for XXXX XXXX XXXX XXXX, FL XXXX nor have I ever resided at the property and therefore dispute this charge in its entirety. Unless Hunter Warfield is able to provide a valid lease I request that the debt immediately be removed from all credit bureaus to which it was submitted. If Hunter Warfield feels as though this lease is legitimate I request that they provide evidence of the LANDLORDS mentioned, XXXX XXXX and XXXX XXXX. 

Thank you, " XXXX '' XXXX XXXX ( XXXX ) XXXX XXXX   XXXX Contact information for Hunter Warfield XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX Collection account # XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
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 719XXXX  has me at a score around 590. 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  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 non-monetary relief
Consumer complaint received 2022-02-23
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. (SC)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : I recently reiewed my credit report provided by your organization, and I am shocked to find several inconsistencies that are damaging my good name.. I expect this letter to promply resolve the pointed data which is reporting inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. 
Please review the following accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX  Account : XXXX XXXX, XXXX Account : XXXX XXXX  XXXX  Account : XXXX XXXX  Account : XXXX XXXX XXXX I am aware Section 609 requires you to have verifiable proof of this account belonging to me. Please send me a document with my signature otherwirse delete this account from my credit report. 

After you have finished my request, send me a copy of my credit report reflecting these changes. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

Complaint:
I went into an agreement with this company to settle a debt that was charged off. I was told after I paid the settled amount, my balance would be {$0.00} and I would no longer owe the company. The company instead reported a different amount to the credit bureaus and now requesting the credit bureaus get customer authorization to discuss the account. When I call Amex I get transferred all around and never receive any help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18
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. (AZ)

Complaint:
I have on numerous occasions attempted to rectify a few discrepancies within my consumer report. Under the law, it is the job of the consumer reporting agency to make sure that the information that they are reporting is accurate. As the consumer I have notified the agency to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) To date these unverifiable accounts remain on my consumer report. 
The consumer reporting agency should be able to see that these items have been previously disputed without a proper investigation/ or verification method. I am requesting that the consumer reporting agency reinvestigate these accounts by manual verification. If any item is to come back as verified please provide this information pursuant to 15 US Code 1681 ( i ) ( 6 ) ( b ) ( iii ) : 1. A description of the procedure 2. Name of the business 3. Business address 4. Business phone number 5. Name of the agent 6. Most importantly, if my personal information such as my date of birth, ssn, and/or address was provided to you without my consent for verification purposes.

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 2022-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Complaint:
My name is XXXX XXXX XXXX, I recently moved back to XXXX XXXX but I use to live at XXXX XXXX XXXX, XXXX, XXXX XXXX. Just now I received a phone call from a gentleman who currently owns this address, where he observed via a remote video camera a person in the employment of Portfolio Recovery Associates ( a debt process server, confirmed by another neighbor who lived nearby ) trespassing on private land and attempting to break into his cabin. The man was watching him from his XXXX home at the time but the intruder was caught on tape. That tape as well as a report has been forwarded to the local XXXX police for trespassing on private property and for an attempted break in. He has told me that if this occurs again the intruder will be arrested and held for the local police. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nevada Credico, Inc. (NV)

Complaint:
I have disputed accounts with XXXX XXXX XXXX club and Quantum Collections on numerous occasions and the account is still reporting fraudulently on my personal credit profile. This account does not belong to me as I was a victim of identity theft. The credit bureaus nor the creditor has been able to prove that this debt is mine or is owed to me. This is hindering me from moving forward with other financial obligations.

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 2023-08-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (UT)

Complaint:
Im in the process of terminating my contract with XXXXXXXX XXXX XXXX Timeshare due to Misrepresentation and fraud. While my legal team is negotiating with XXXX, I stopped paying the monthly payments. They have been reporting on my credit and has put me in a position where I cant get credit for housing. I know there are thousands of families with the same problems. I hope this agency can get the negative reporting removed. Not only is the Timeshare been a hardship, they sold me a fraudulent contract and the following misrepresentations. 

1 XXXX misrepresented the reservation of the time share rooms. Any time we looked to book, there were none open for reservation. Nnable to book at any XXXX property or given any alternative. 

2 The Salesmen said repeatedly that she would be our personal agent to make any and all bookings. After multiple attempts to reach her she continued to not answer phone calls or texts to the numbers she noted 3 Paid over {$11000.00} and were never able to use any of the points assigned to us through the program. 

4 The titled property was said to grow in value because of it being tittled but actually was worth less than what we purchased for when we decided we wanted out.

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 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

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 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
Transunion credit bureau has decreased my credit score by a total of XXXX points within the past 2 months on XX/XX/XXXX ( XXXX points ) and XX/XX/XXXX ( XXXX points ) which was unwarranted, without any credible reasoning and/or excessive drop in FICO score with the the intent to negatively impact my financial credibility and over all opportunities with the benefits of lower interest rates. These practices are unlawful, unethical and unfair practices of Transunion credit reporting agency.

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 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (SC)

Complaint:
Chime shut down my account without telling me I called them and they said they found some activity on my account but they would not describe what kind of activity so they shut my account down where I was getting my social security XXXX at they also sent me several emails last night and early this morning saying how abruptly sorry they are but still would not give me a reason of why they should my account down but won't give a reason why they terminated a relationship with me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AL)

Complaint:
Equifax refused to give me my free annual credit report on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC (CA)

Complaint:
Bought a vehicle from Carvana the experience in general was pretty incredible great service easy to use, reliable etc. 

My issue since I have had this vehicle I have had the brakes done 3 times tires completely changed 3 times rotors completely replaced I have replaced the batteries twice and the vehicle often doesnt start using the key or push to start features resulting in massive inconveniences and hours of stress Tried to give them their vehicle back multiple times they would not take switched lenders specifically because of it but basically a $ XXXX lemon

Company response to consumer: Closed with explanation