hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-01-06
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: EQUIFAX, INC. (FL)

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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
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: AMERICAN EXPRESS COMPANY (VA)

Complaint:
I was robbed of all my possessions and my American Express card is one of the items stolen from me. I filed a police report with XXXX Virginia police department. I have contacted American Express in more then one occasion seeking to have all fraudalent charges removed from my account. I have no access to the account online. To this date the account has not been resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I urgently request you to promptly update my account to accurately reflect my payment history.

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 2020-11-26
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: SYNCHRONY FINANCIAL (FL)

Complaint:
On XXXX. XXXX, 2019, XXXX XXXX   XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, SYNCB/WALMART PLCC add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, SYNCB/PAYPAL add a hard inquiry on my credit report per 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 2022-06-04
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: EQUIFAX, INC. (FL)

Complaint:
XXXX accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
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: BARCLAYS BANK DELAWARE (NJ)

Complaint:
I write this out to clarify why i am disputing. I dont dispute often at all. i ordered a carpet cleaning on the XXXX asked for ANALYSIS written on the receipt. of what made it dirty. i needed this. i also asked the supervisor for the same info as well. I did not get it. I then called many times week of XXXX with no response. this was needed for legal documentation purposes. i wish 75 credited for the lack of response i got an email with garbage that is useless. and not what i asked for. Had i been told this would be a problem i would not have made the purchase.

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 2018-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc. (FL)

Complaint:
XXXX XXXX XXXX has placed a collection in the amount of {$470.00} to all credit bureaus that does not belong to me, after contacting the company requesting proof of such debt, they have refused to send any proof of this collection

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

Complaint:
My name is XXXX XXXX you were my account number is XXXX checking account was compromised on XX/XX/XXXX somebody stole my wallet my debit card all my files out of my vehicle my phone was stolen which had access to all my PIN numbers and all my passwords and they went to the bank and started with a mobile deposit of {$850.00} and then they went through {$100.00} {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of these were unauthorized transactions I did not authorize these at all Wells Fargo allow these overdrafts to go through up to {$710.00} they have never allowed that much to go through on an overdraft on my account ever why they put that through I do not know my pin was possibly written down on the back of my social security card that was also in my wallet to the ATM closet they had taken when I reported this to Wells Fargo I had an appointment at the branch the banker told me that they could only freeze my account they would not be able to close my account due to the underlying issues I was not okay with that so he said they froze it and that nothing was going to go in and out of my account on the 3rd they put my social security direct deposit through for {$1100.00} they took {$710.00} and made me pay for all of those fees and charges they made me pay for their mistake of overdrafting my account way above the limit when there was no funds in the account it was at a zero balance which should be on call for I've never had a problem with this Bank I've had always a good outstanding account after they took my money they close my account immediately and it's not even been the 10 days has not even been up so I paid for their mistakes of {$700.00} they lied to me they did not honor their zero protection liability and credit me back like they said they were going to be crediting me back for all reversal give me reversals of all charges and fees and then they stole my check the only income that I received from social security why are they even closing my account when they're not even finished with their tendon 10-day investigation process and number two why are they letting these unauthorized withdrawals of up to {$700.00} to go through on my account when they have never in the past allowed for my account to be overdrafted more than {$200.00} limits this is their mistake and I should not have to pay for these mistake and they should not have taken my only income that I received from social security and then they should not have closed my 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 2021-06-24
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: EQUIFAX, INC. (TX)

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (TN)

Complaint:
This company is reporting inaccurate and conflicting information on my credit on my credit report to reporting agencies. They are reporting the following information to Shown as a collection account in both XXXX   and XXXX but an opened account in XXXX   XXXX. Date Reported XXXX. Status as Open Original Creditor 01 XXXX XXXX XXXX XXXX XXXX. Opened Date : XXXX Date Reported XXXX. Original Creditor. XXXX XXXX XXXX XXXX. 
Opened Date : XXXX XXXX Reported Date XXXX Midlandcre ActXXXX # XXXX. {$660.00} Past Due. Opened Date XXXX Individual Account. Date Opened XXXX XX/XX/2020 past due This account is also on my reprot from XXXX XXXX as a collection account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

Complaint:
In accordance with the fair credit Reporting act XXXX  account # XXXX XXXX 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 : I also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an end consumer credit plan as late for and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2019-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

Complaint:
I received a letter from Resurgent dated XX/XX/XXXX about a debt that they said i owed. I sent them back a certified letter requesting validation of the debt. I then received a letter back from Resurgent along with a bill. Resurgent did not properly validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
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. (FL)

Complaint:
I SENT THE INVESTIGATION LETTER ON XX/XX/2022 INACCURATE AMOUNT. ACCOUNT NUMBERS XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX AND XXXX # XXXX XXXX XXXX5 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

I WAS NOT NOTIFIED OF IT IN THE FIVE DAYS. VIOLATION ( 5 )
Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and

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 2019-01-17
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. (FL)

Complaint:
My credit reports at TransUnion, XXXX  and others are showing that XXXX XXXX has reported 2 credit card accounts in my name. I filed Disputes with both using their on-line form, stating that I have no knowledge of any such accounts. They have both responded that they investigated and that the reported information was verified by the reporting entity. Their investigation did not request nor does it require any providing of any sort of proof, but relies solely on the word of the reporting entity. 

This lack of a need of proof leaves the consumer vulnerable to fraudulent reporting and to being charged higher charges for bad credit when these reporting agencies are allowed to report as they please, with no oversight or consequences.

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 2016-08-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (TX)

Complaint:
I do not and have never had any debt. This company continues to call and harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (TX)

Complaint:
I cancelled my auto insurance policy with XXXX as they unfairly raised my rates for an auto accident I wasn't even involved in. Additionally, there was no money paid out on any claims nor was I charged a deductible. They also raised my rate for a ticket I got around XX/XX/2019 and was a non-moving violation that should not have had any effect on my policy. I had XXXX for about 5 years and they have certainly made their money from me. Over thousands of dollars. Now they've sent me to this collection agency for {$150.00}. This is beyond belief!!! I absolutely will never pay this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
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. (MO)

Complaint:
TC Report Number : ( to be generated ) I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX Middle Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX, MO XXXX XXXX Phone : XXXX Email : XXXX Personal Statement XXXX  XXXX XX/XX/XXXX Accounts Affected by the Crime Credit Card Opened by the Thief Company or Organization : the company Fraudulent Information on Credit Reports Personal Information Addresses : XXXX XXXX  XXXX XXXX XXXX Information : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 


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 2022-01-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Complaint:
There are 2 different accounts that has been disputed.The other 2 Bureaus were not able to verify the accounts therefore they were removed. But somehow TransUnion is still showing this account and Im wondering how if all 3 Bureaus pretty much use the same system. I never even received any documentation as to the accounts being verified. The accounts in question are attached.

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 2022-03-15
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. (AL)

Complaint:
fraudulent inquiries and inaccurate account information

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 2022-12-04
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: Experian Information Solutions Inc. (NC)

Complaint:
In accordance with the Fair Credit Reporting act, The List of inquiry 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC (CA)

Complaint:
Credence purchased an old account and is trying to collect funds from an account that was closed in XXXX or XXXX. XXXX called me a year after I closed my account and I disputed the amount with them then and haven't heard anything about it since then. XXXX was purchased by XXXX XXXX XXXX in XXXX. Credence is trying to collect on an account that is over 8 years old. They put it on my credit report as a new account and as owing since XX/XX/XXXX. This is false information that has caused my credit score to decrease. I am also in the middle of applying for a condo and if this causes me to lose this property I will be suing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Complaint:
My complaint is against XXXX XXXX XXXX ( XXXX XXXX XXXX ). 
I have submitted many disputes with Equifax to investigate XXXX who continues to report the wrong information fraudulently on my credit report. 

1- this is a car loan with the first delinquency was in XXXX XXXXXXXX however XXXX keeps reporting this account every month as a charge off with different " 1st delinquency dates '' ( please see attached reports with XXXX showing XXXX XXXX and XX/XX/XXXX as 1st delinquency dates ). XXXX also shows that the last payment I made was in XX/XX/XXXX, but I was serving time in XXXX XXXX since XXXX and no payments were made at all in late XXXX and XXXX. XXXX reports the wrong dates in an attempt to keep the account on the credit report for as long as they could. 

2- XXXX intentionally report their wrong phone numbers or no contact information at all on the credit reports so that no one can reach them. ( please see attachments showing that XXXX have 2 different phone numbers that are not valid and some reports they have no contact information at all or partial address ). 

3- After many attempts trying to reach XXXX financials to discuss this issue, I was informed by XXXX that they do not own this account anymore and that now it's with a collection agency, but yet XXXX continues to claim that this is their account and continues to report my account fraudulently as charge off every month to Equifax XXXX 

4- XXXX fraudulently placed a temp freeze on my credit report account so that it keeps this account on the credit report. ( please see attached file ). 

4- Equifax relies on XXXX to update my account, but Equifax never investigated XXXX to make sure that XXXX is reporting the correct information.

Company response to consumer: Closed with explanation