hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-08-01
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. (MT)

Complaint:
A creditor from 9 years ago levied my bank account so I tried to set up an account with Experian.com, view any other outstanding debts on my credit report and make sure all old debts were paid. I had trouble doing so and Experian told me I already had a paid credit report account with them, which I was unaware of. When I finally got to see my credit history I was dismayed to see @ $ XXXX in unpaid debt but further disturbed that someone had been paying to see my debt for two months. Someone was paying @ $ XXXX/month and had used my name, ss # and DOB, an email I have never seen, a fake phone number and fake security questions to obtain ( 4 ) bi-monthly credit reports on me. I contacted Experian.com and they reconciled the account so I could see the fake information which included the last four digits of the credit card on file which was being used to pay for the account. Experian told me they could not release the name associated with the card. I filed an FTC ID Theft Report and tried to file a police report but was informed since no money had been stolen there was no crime. Experian.com amended the fake account so that I could see information about the unauthorized creation of the account but they could not provide me the name on the credit card of the individual who created the account, only the last four digits of the card and expiration date. Credit report information on me was illegally provided from Experian.com to an unknown individual on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, 2017. The information in my credit report was visible to the thief and a link mailed to an email address. I did not open or authorize this account, and I requested information regarding the individual who did open the account verbally from Experian.com on XXXX XXXX, 2017 and sent written request of such information on XXXX XXXX, 2017.

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 2023-03-13
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. (GA)

Complaint:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST (CO)

Complaint:
I have tried to open an account with the bank of the in Colorado on XX/XX/2019. Only one person knows how to do the account set up and she is always busy. So i decide to open up my account online on XX/XX/2019. Went in on XX/XX/XXXX to deposit my pay roll check and was informed that the account is so new thats not in the system yet. They told me to leave me check in the overnight deposit and it will be in there on the XX/XX/XXXX. I called them on XX/XX/XXXX asking them why my check is not in my account? They said " since you are so new with us we will be holding your check for 9 business days. ". I was never informed that check was going to be held not online or when I was in there in person. I asked them to give me my check back. They said no it's to late its in the system now and it can't be reversed. I said but it's not in my account how is it your system. They said it's just how ower system works and hung up. So im broke and have to wait 9 business days for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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: CBC Companies, Inc. (NY)

Complaint:
There are numerous inquiry on my report that are fraudulent. 
Here 's a list of fraudulent inquiries : XXXXXXXX XXXX - date as of XXXX XXXX XXXX XXXX - date as of XXXX XXXX XXXX XXXX - date as of XX/XX/XXXX XXXX - date as of XX/XX/XXXX XXXX XXXX - date as of XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
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. (FL)

Complaint:
There are alledge accounts on my credit report for which I do not recognize. Pursuant FCRA 623 I am demanding they are removed XXXX XXXX/account number XXXX XXXX XXXX/account number XXXX  XXXX XXXX/account number  XXXX  XXXX XXXX XXXXaccount number 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 2023-05-17
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. (AL)

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
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. (TX)

Complaint:
On XX/XX/2020, I sent the attached letters to TransUnion, XXXX, and XXXX requesting an investigation of the erroneous accounts currently being reported on my credit report. It has been over 30 days and they have yet to provide me with the investigation results and by law if the CRA 's were not able to verify the derogatory accounts within the time allotted, the accounts must be deleted from my report. I am filing a complaint because the negative accounts are hindering me from obtaining credit and I am trying to purchase a home. The unverifiable accounts are : TransUnion - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-12-06
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 (MD)

Complaint:
In accordance with the Fair Credit Reporting Act, [ CAPITAL ONE 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Complaint:
On XX/XX/2018 I sent a validation letter to portfolio recovery about an account they have listed on my credit report. This was to include a valid ink signature not a copy of a copy or a copy of a statement. They only have sent me a statement and said it was valid. They refused to adequately validate the account and refused to remove it from my credit report. On XX/XX/18 I received yet again another letter from them stating it was valid with a copy of a copy of a statement. This item needs to be removed as they can not legally validate the account they are trying to keep on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Complaint:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.

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 2023-06-03
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION (TX)

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

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for 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 explanation
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
I transferred money into my Bank of America current account on XX/XX/XXXX. My account cycle closes on XX/XX/XXXX. Bank of America held back those funds and cleared them on XX/XX/XXXX, a day after the close and charged me a {$12.00} maintenance fee. When I called to inquire, they said it was a clearing issue and refused to refund the money to me. I want my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION (TX)

Complaint:
The auto loan was financed by Truist Bank. The auto loan was paid off XX/XX/2022. We are asking for the Gap refund in the amount of XXXX. XXXX XXXX mailed a check to Truist on 8/01/2022.The check cleared XXXX XXXX Bank XXXX XX/XX/2022 Ck # XXXX. We have contacted Truist Bank many times to see if they have mailed the check back to us or XXXX and no one at Truist can give us any information on this check. As of today 's date we still have not received a check.

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 2019-04-08
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:
XXXX XXXX  is placing old dated information back on my credit report this account was already found and adjucated in Court back in 2015 in favor of my self showing this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CT)

Complaint:
On XX/XX/XXXX, I purchase a ticket through XXXX. When I got to the payment screen there was an offer to open a XXXX XXXX and get a {$400.00} statement credit and XXXX miles. I accept it the offer and apply for the card and comply with their requirements. Today, XX/XX/XXXX I got in contact with AMEX, and I was told that because I already had another AMEX CARD ( not XXXX ) I couldnt get the bonus. No where on the offer said that a customer couldnt get the offer if you had another type of AMEX card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

Complaint:
On XX/XX/20, I sent a letter regarding this inaccurate items on my credit report and not received a response yet. I feel that my dispute is being wrongfully ignored, and know request these accounts be deleted per 611 ( a ) failure to investigate these items within 30 days gives reason to remove these items from my credit report. If this issue is not corrected I will file for litigation. Additionally, my credit was impacted by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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. (VA)

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 XXXXXXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 


15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without written consent.

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 2022-11-28
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. (GA)

Complaint:
I submitted a dispute letter on XX/XX/XXXX, as my sixth attempt to let you know that I was the victim of identity theft, and I'm writing to contest some things that the criminal added to my file. The things I'm disputing have nothing to do with any purchases I made or authorized that resulted in the acquisition of any products, services, or money. Please prevent any information in my credit file that was obtained through identity theft from being reported. I don't know what these things are. Additionally, I have concerns about the accuracy of the information you provided on some accounts because it has been DELETED from other bureaus, and the reported payment histories on some accounts are a mystery to me. FCRA 605B ( c ) ( 1 ) ( C ) - Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
Please remove the following items as they were the result of the identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$150.00} 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 non-monetary relief
Consumer complaint received 2023-05-09
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. (CA)

Complaint:
I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, TransUnion ] consumer report. 

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 

XXXX : XXXX CARD ENDING IN XXXX XXXX XXXX XXXX XXXX CARD ENDING IN XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my_payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws.

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 2023-02-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF NEW YORK MELLON CORPORATION, THE (MA)

Complaint:
XXXX XXXX XXXX and Mellon Bank fraudulently on several levels attempted to collect a fictious debt. They were informed the debt if it existed was statutorily barred from collection, I was XXXX and unable to if the debt existed. They wrote off this debt ( TAX FRAUD INVESTOR FRAUD ) even though they were informed in writing XXXX times a 1099C would fraud and harassment, they sent me a 1099C for {$410000.00} on a non-existing debt. Additionally due to lies and actions by the ( Mellon Bank XXXX XXXX ) and XXXX XXXX XXXXXXXX my home was lost as well as prior mortgage payments. 

The 1099C places a XXXX XXXX XXXX XXXX without assets at the mercy of the IRS for taxes, penalties, fees, interest on {$410000.00}! 

The attached documents prove these egregious actions most of which is supported in the XXXX XXXX transcript attached. SHOULD THIS GO INFRONT OF A FACT FINDER the witnesses will ALL BE LAWYERS! other than myself. XXXX XXXX, Mellon and XXXX XXXX XXXXXXXX have confirmed their actions in writing. 

I will share what I have with law enforcement and vetted Lawyers

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: North Shore Agency, LLC (GA)

Complaint:
This company is not licensed to collect a debt in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
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. (DC)

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation