hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-11-04
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. (MD)

Complaint:
accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Account Number XXXX XXXX Account Status COLLECTION Owner INDIVIDUAL Account Type OTHER Creditor Classification Loan Type Original Creditor Name Months Reviewed XXXX Activity Designator CLOSED Terms Frequency Term Duration Purchased From Sold To Balance and Amounts Balance {$1400.00} XXXX XXXX XXXX XXXX {$0.00} Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$36.00} Amount {$83.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/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  Last Payment Date Date of First Delinquency XX/XX/XXXX Comments XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXXXXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$73.00} Amount {$73.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last Payment Date Date of First Delinquency XXXX XXXX, XXXX Comments XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Assigned XXXX XXXX, XXXX Original Amount Owed {$54.00} Amount {$54.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX Comments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
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 (CA)

Complaint:
I have incorrect inquires on my credit report that are were not authorized. They have negatively affected my credit report. Below are the unauthorized inquires. 

XXXX  XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX CAP ONE NA --  XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX CAPITAL ONE -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX XXXX/XXXX -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX CAPITAL ONE -- XX/XX/XXXX CAPITAL ONE -- XX/XX/XXXX XXXX/XXXX -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
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. (FL)

Complaint:
On XX/XX/XXXX I was checking my credit report and noticed that a hard inquiry was made by XXXX XXXX on XX/XX/XXXX. I did not give them permission to run a inquiry on my credit report any time in XXXX. I took out a loan with them on XX/XX/XXXX that's the only time they had permission to run my credit. I have not giving them permission to run my credit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
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: SYNCHRONY FINANCIAL (CA)

Complaint:
A credit card was fraudulently opened in my name and I am completely unsatisfied with Synchrony Bank 's 'investigation ' of my fraud claim. I had NEVER had any contact with Synchrony about  this account prior to my discovering the fraud on XX/XX/2020. I have not lived at the address associated with the account for 20 years. The email address associated with the account is not mine. I have never received any phone calls from Synchrony related to this account. I informed Synchrony that this account is fraud and they undertook an 'investigation '. Today I received notice from Synchrony that they are unable to approve my fraud claim because : 1. " You authorized, participated in, or benefited from the purchase '' 2. " Payments have been made by you on this account '' 3. " The account has been opened for more than 12 months with statements sent to you '' I am furious about this situation for a host of reasons. To begin with, Synchrony never contacted me as part of their investigation and none of their so-called findings are true. I called Synchrony again and they say they are unable to give me any details about the account, but I was able to find out that the address on the account is one that I have not lived at for 20 years, the email on the account is not mine, and Synchrony acquired the account  from another issuer in XXXX. I believe that Synchrony is intentionally doing a sham investigation of this fraud in order to scare me or bully me into paying it. I have NEVER had delinquent credit and as a result of this my credit score dropped from over XXXX to XXXX. This account is fraudulent. I have never used this credit card and I have never made payments on this credit card. I am begging for help to get Synchrony to do a competent 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 non-monetary relief
Consumer complaint received 2023-02-22
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. (GA)

Complaint:
In accordance with the Fair Credit Reporting act. The List of 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 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 Dept Of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-15
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. (OR)

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

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 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 explanation
Consumer complaint received 2022-10-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

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 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 2018-01-09
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. (MN)

Complaint:
TransUnion Credit Report Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Complaint:
On XX/XX/2021 a letter was sent to Experian CRA to remove incorrect information on 2 accounts on 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 2023-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (VA)

Complaint:
I am writing to express my serious concern and dissatisfaction regarding the continued communication from Midland Credit Management despite my explicit request for cessation of communication as per 15 U.S. Code 1692c. Pursuant to this federal statute, I exercised my right to cease communication in connection with the debt that you are attempting to collect.

Under 15 U.S. Code 1692c - Communication in connection with debt collection, it is clearly stated that if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish for the debt collector to cease further communication, the debt collector must comply with this request and refrain from any further communication regarding the debt. This includes any form of communication, whether direct or indirect, through any medium. 

I previously filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Midland Credit Management 's practices. In response to that complaint, I was informed that Midland Credit Management claimed they would cease and desist communication. However, it has come to my attention that despite this claim, I am still receiving communications from your company, which is a direct violation of the statute mentioned above. 

It is essential to note that the term " communication '' encompasses the conveying of information regarding a debt through any medium. My consumer reports, which your company is using to report information, are also a medium of communication. By failing to cease communication through all mediums, including but not limited to consumer reports, Midland Credit Management is violating the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

I want to bring to your attention that I am aware of my rights as a consumer, and I am fully prepared to take appropriate legal action to protect those rights. Under the FCRA, I am entitled to accurate and fair credit reporting. If every account that your company is reporting on me is not removed immediately, I will have no choice but to pursue legal action for the violations outlined in this letter. Please be advised that I can seek damages of {$1000.00} per violation, which could result in substantial financial consequences for your company. 

I expect this matter to be rectified promptly. I request that you cease all communication through any medium, including consumer reports, and remove any accounts associated with my name from your reporting immediately. I also request written confirmation of the cessation of communication and the removal of accounts. 

Your immediate attention to this matter is crucial, as further violations will result in legal action. I hope we can resolve this matter amicably and avoid unnecessary legal proceedings. 

Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit reportXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-20
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. (NY)

Complaint:
I would like to state that Transunion is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumers. I the consumer never gave Transunion any written consent to report anything on my consumer report. No consent is identity theft. I have enclosed a Identity Theft report which states that account ending in XXXX are being illegally furnish on my consumer report. I demand that you remove these inaccuracies off my consumer report. If they are not removed I will not extend my credit to anyone or allow Transunion to furnish a report for me. I would like to state that pursuant to 15 usc 1681 ( a ) ( 2 ) that the banking system is dependent upon fair and accurate consumer reports. By Transunion allowing these inaccuracies to be furnish on my consumer report it has cause me to lose confidence in the banking system. If Transunion wants to continue doing business with me, they should delete these inaccurate account off my consumer 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 non-monetary relief
Consumer complaint received 2019-02-15
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: National Credit Adjusters, LLC (OH)

Complaint:
I did not open this account. My ex wife opened it in my name. XXXX  and XXXX  have investigated and deleted the account however XXXX will not. This is causing me to not be able to get a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report 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 non-monetary relief
Consumer complaint received 2019-07-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

Complaint:
The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. 
Get rid of this bankruptcy status as soon as possible and notify me when its done so that I can go ahead and apply for the things I have to apply 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 2023-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

Complaint:
Citibank. 
I wrote a check for {$10000.00}. to XXXX XXXX in Virginia as a deposit for the purchase of a property in Virginia. We reside in California. We began to receive text and email " Fraud Alerts '' from Citibank. Citibank wanted us to push a button that said that we 'DID ' or 'DID NOT " write check # XXXX on certain day for {$10000.00}. Well, we did write a check for {$10000.00}. but the check was check # XXXX, not # XXXX. We did not want to push the button for the wrong check number, but we did not want to jeopardize the purchase of the property, because we did indeed write a check for {$10000.00}. on said day. We drove to Citibank in XXXX XXXXXXXX, California. The banker, at her desk, had us call an XXXX number. When we spoke to the Citibank Representative, she was useless and had us call another XXXX phone number for another department .... and around and around the XXXX phone numbers we were routed. No one could help us and we finally gave up. The bank representative at XXXX XXXXXXXX Citibank had us move from her desk because we were on hold for so long. 
The bankers at Citibank would not help us resolve this ; they either could not, would not, didn't have a clue as to what to do, or did not have the power to effect a resolution. 
We were floored and finally left, problem unresolved. 
I called the real estate agent in Virginia, who said ... .. " well, I dunno ... .. just push the button, I guess. '' So ..... I did. 
I don't think it was fraud, I think that the electronics picked up a 6 instead of a 5, that the electronic 'eye ' read XXXX instead of XXXX. But, shouldn't Citibank be required to intercede and resolve this check number inconsistency? 
BUT .... not one in Citibank could/ would help me resolve this! We were in the bank in- person. They could not or would not over-ride the system or communicate with the fraud unit to resolve this important matter ; all they did was tell me to call an XXXX phone number.

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 2022-04-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Complaint:
I have been in dispute with Equifax for almost a year about these fraudulent disputes inquires. They have lied numerous times about receiving my documents when they have received them. The FTC reports are attached to this email. So it's no excuse that they can't remove these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
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: Experian Information Solutions Inc. (CA)

Complaint:
I already reported to  Consumer Finance,  they respond in a huge double-talk, non-sense explanation which I do not accept.

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