hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-12-21
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.

Complaint:
TransUnion is has refused victim rights under identity theft. Accuracy and fairness of credit reporting over the last few weeks have been speaking with agent from trans union regarding the unauthorized hard inquiries that was recently placed on my trans union profile. It is documented across all consumer reporting agencies that I was a victim of my data being exsposed in the the past. The inquires that was placed with my written or verbal approval is still. Being reported on my TransUnion profile. This is clear violations under the FCRA. And was recently denied line of credit because of the fraudulent hard inquiries TransUnion is reporting. These need to be removed immediately, I will be filing a federal complaint as well with my states attorneys office if this matter is token care of immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX   Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry fromXX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX XXXX XXXX  XXXX Inquiry fromXX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX   Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXXXXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXXXXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies

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 2023-05-09
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.

Complaint:
I sent a letter on XX/XX/2022 to XXXX. 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? 
How did they complete this investigation?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.

Complaint:
I have checked my credit report and there are multiple inquiries on all of my report under identity theft. I will list below the inquiries that are inaccurate. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
The car was crashed my insurance XXXX paid {$11000.00} and the gap insurance XXXX XXXX paid the remaining balance except for {$500.00} to Capital One auto finance. It comes up on my credit report as a repossession. I had to pay higher interest rates because of this information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
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.

Complaint:
I was trying to get a pre approval for mortgage and when my credit report was run, it showed that I had a late payment at XXXX XXXX, even though underneath that information was the monthly payment calendar showing I made each payment. This caused me to not be able to be pre approved. I have been rebuilding my credit and in fact, have been paying XXXX XXXX early. I sent the paperwork they told me to dispute this and have heard nothing. The only issue I had with XXXX XXXX ever was a direct debit issue with my Credit Union last year that was resolved. I need them to remove that late payment blemish on my Experian credit report ASAP. I filed a claim with Experian also and have not heard back. This is criminal that a credit card company can miss report something and it affects my ability to get a mortgage and miss out on a great opportunity of a home I was interested in. 
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX PA XXXX XXXX XXXX XXXX last four digits  XXXX Thank you

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 2022-09-20
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: BMW Financial Services NA, LLC

Complaint:
Re : Dispute of 30 day late payment for fraudulent lease extension on BMW Lease To whom it may concern : I am writing to request an investigation into the fraudulent activity that occurred on my account resulting in a 30 day late payment on my credit report. 

I leased a XXXX XXXX XXXX from BMW Financial for a period of 36 months ending XX/XX/XXXX. 

I returned the car at the end of the lease having made every single one of the XXXX payments on time as my account was on autopay. 

In the first week of XX/XX/XXXX I was notified by a credit monitoring service that my score had dropped due to a negative mark on my account. When I checked my credit reports I saw that my lease term had been changed from 36 months to 38 months and that the XXXX payment was showing a 30 day late payment. 

Since there should not have been a XXXX or XXXX month I called BMW Financial Services who advised me that I had extended my lease over the phone. 

I have called multiple times since and have advised them that if someone extended the lease over the phone it was certainly not me. I was eventually advised to send my dispute in writing. 

On XX/XX/XXXX, I spoke to XXXX in the Lease End Department at BMW Financial, who told me that the lease was extended on XX/XX/XXXX, long after I had returned the car. He also told me that the payment of {$2300.00} for the fraudulent 2-month lease extension was made from a XXXX checking account with an account number of XXXX. This is not nor was it ever my bank account. 

I assume the leasing broker or someone related to the dealer impersonated me to extend my lease for one reason or another as I have attained a copy of the odometer statement used to turn in my car which was not filled out by me, and has a fraudulent signature that is not mine. 

I suggest that BMW Financial listen to the recording of the phone call when my lease was supposedly extended and compare it to other phone calls of me calling in, it will be evident that it was not my voice doing the extension. 


Lease agreement for XXXX XXXX XXXX for term of 36 months Odometer statement FTC Identity Theft Report Police incident report slip for crime of Identity theft Please remove this blemish as soon as possible as I have otherwise perfect credit and this is clearly a case of identity theft/fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Rocket Mortgage, LLC

Complaint:
I reviewed three credit reports today. XXXX, XXXX   and XXXX. The XXXX report actually showed my Quicken Loans account closed and XXXX and XXXX do not have credit for months that have been paid. I filed a chapter XXXX bankruptcy in XXXX of 2018. My home was not included in the bankruptcy, and I have been paying the mortgage directly. It is even in my bankruptcy order that I will be paying them directly. They placed an unauthorized charge on my account for {$650.00} as an " advance on my behalf '', they are not crediting my account when payments are made and are not reporting my payments to the credit bureau to reflect on my credit report. When I called to find out why they were not reporting my payments, nor accounting for them on my statement they told me that the payments had to be reviewed by the bankruptcy court ( because it is protected by bankruptcy laws XXXX, I inquired as to which bankruptcy court and he said Quicken Loans attorney XXXX XXXX XXXX ( XXXX ). He also said once they review the payment then it is partially applied to my account. I asked why it wasn't showing on my credit report and he again stated because it is protected by bankruptcy laws. He went on to tell me when I pay the {$650.00} " advance on my behalf '' fee that the payments would then show up on my credit report. I'm not understanding how I'm protected from bankruptcy laws when it isn't helping my credit report? I attempted to call the Quicken Loans attorney, but they will not speak to me about my account without my attorney on the line. They have also removed my access to view my statements online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.

Complaint:
Experian is refusing to look into my request which I feel is in complete violation of the FCRA. I sent them letters OVER 60 days ago that they have yet to respond to, so then I come here and submit the letters showing that they are not responding and they say they will not look into the issue. I am surprised that CFPB actually allows this response, so PLEASE actually help me with this situation! 

Attached is my ID and proof of address so please do not use the same excuse as to why you're not going to help me

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 2019-06-24
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.

Complaint:
THIS IS MY THIRD TIME COMPLAINING. I have had some inquires that I do not recognize on my credit report. I have filed a complaint and I never received an answer back it have been over 40 days please delete the following inquires companies, XXXX   XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  please delete these inquires they are not mine. I demand that you provide response exclusively through mailed letter. Please contact me about this inquires in writing, to me at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
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.

Complaint:
I was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX XXXX {$99.00} XXXX XXXX XXXX XXXX {$140.00} XXXX  XXXX {$26.00} XXXX XXXX XXXX {$250.00} XXXX   XXXX XXXX {$390.00}

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 2020-12-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.

Complaint:
I've seen no changes for the accounts that I have filed last month, I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately. 
,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I was incarcerated from XXXX XXXX Ive reached out to the credit company to get my information corrected and fraudulent information removed yet no one has done anything to help me there is also a deceased indicator on my file that Ive also asked to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
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.

Complaint:
I sent letters to the credit bureaus on XX/XX/XXXX but I still have not received a response. Due to Covid 19 I expect things to be delayed a little, but it has nearly been 2 months now. The bureaus are supposed to have 30 days to respond to me so they are clearly in the wrong at this point.

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 2023-08-16
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.

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.

Complaint:
I opened my PNC business checking account on XX/XX/20, at the advice of a local PNC branch manager because the bank did not like large deposits going into a personal checking account. Additionally, when opening the account I enrolled under a new account bonus opportunity of {$200.00}. All that was needed to obtain the new account bonus was a deposit of {$5000.00} ( made on XX/XX/20 ) and twenty debit card transactions ( made between XX/XX/20, and XX/XX/20 ). The only other activity on the account deposits of {$7900.00} on XX/XX/20, {$21.00} on XX/XX/20, {$5900.00} on XX/XX/20, {$14.00} on XX/XX/20, and bill pay of {$5900.00} on XX/XX/20, and {$6000.00} on XX/XX/20. I received an odd, unforeseen call on XX/XX/20, from a PNC banker ( XXXX? ) inquiring about my business. It was clear from their tone of voice that the banker was suspicious of my account for an unknown reason. The banker asked a few questions about my business and the call ended without any advice or concern noted. The source of funds for deposit are not a mystery and I described this to the banker who called. My business is retail arbitrage -- I buy discounted items and then sell them at a profit. Had the banker asked, I may have been willing to provide a spreadsheet of my purchases and sales, but the banker wasn't interested in facts.

I received a notice in the mail dated XX/XX/20, that my account would be closed on XX/XX/20. No information was given or provided on this notice for the reason for closure. I called PNC bank XX/XX/20, to inquire as to the reason for the abrupt account closure with no reason given. I spoke with XXXX in " Bank Operations, '' who when asked for clarifying information on the closure stated, " PNC has decided to close the account on XX/XX/20. '' When I again inquired as to the reason why, I was told " PNC has the right to close the account based on the terms and conditions of the account, just like you have the option to close the account at will. '' Again, I asked for the reason for the closure and was not given a reason why. I then asked if there was an appeal process -- Many replied " No. '' I then asked if I could open up another account with PNC in the future as PNC meets my banking needs and XXXX replied, " We would never deny the application ... '' PNC bank is clearly biased against me as I filed a CFPB complaint against them earlier this year for not paying out the bonus for the personal checking account I had opened ( that dispute was resolved in my favor and the bank paid the new account bonus ). They also appear to be concerned about the source of funds for my account -- I told them but they didn't like the answer. Lastly, the timing of the account closure is suspicious as the new account bonus has yet to be posted. The account will likely will be closed before it does post as the new bonus may take up to 90 days ( XX/XX/20 ) once the conditions for the new account opening bonus are met.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.

Complaint:
I did not know I had a payment due in XX/XX/2018 on the Citi Double Cash Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX is being reported as inaccurate on my credit report. 

In accordance with the Fair Credit Reporting act XXXX, Account : 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 an account without my written instructions 15 U.S.C 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 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 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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