hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Complaint:
The following accounts are fraudulent and they do not belong to me please remove them all. 

1. XXXX XXXX {$370.00} 2. XXXX XXXX {$240.00} 3. XXXX XXXX {$60.00} 4. XXXX XXXX {$180.00}

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 2021-10-19
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA (NY)

Complaint:
XXXX XXXX XXXX U S DEPT OF EDXXXX US Department of education is in violation of Title 15 1692 GB for failing to verify this alleged debt for this alleged collection account XXXX furthermore is Reporting false and inaccurate data on my credit report I sent a letter to the US Department of Education requesting the following information- 1. a copy of all promissory notes of all student loans that you service-related to me. 2. a copy of the promissory note for any and all student loans that you originated. 3. A copy of any assignments of the promissory notes for the related student loans. 4. Please advise me whether you are the loan originator, servicer, and/or debt collector for the loans. They received this request on XX/XX/2021. I am yet to receive a response U S DEPT OF ED/XXXX has failed to send me a copy of any assignments of the promissory notes for the related loans. U S DEPT OF EDXXXX has failed to inform me whether they were a servicer or a collection agency. I know for sure that the name US Department of EducationXXXX is furnishing this data on my credit report ( U S DEPT OF EDXXXX XXXX as a collection and is not the correct name of the Collection agency for this account. The Response I received from Direct loans is that this alleged debt is being collected by another debt collection agency with a different name number and address This means US DEPT OF EDXXXX is in violation of 15 U.S. Code 1692e.False or misleading representations by furnishing false information on my credit report. 


( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.

Additionally, I requested that you cease and desist all collection activity, including credit reporting.

That is, I requested that you delete any and all reporting made to any consumer reporting agencies.

You have failed to address my very specific legal requests and are in clear violation of the FDCPA.

Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
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: DISCOVER BANK (GA)

Complaint:
I have asked for help several times regarding the Discover Credit Card debt and the credit card company and all three credit bureaus are reporting this {$220.00} as a bad debt. I tried to convert a XXXX XXXX to XXXX XXXX in 2018, however, upon federal court date the judge indicated I did not qualify to convert and had not satisfied the allotted time, therefore debts are valid. Discover is still reporting XXXX, although it was a secured card, I did not receive my {$200.00} deposit. I was told it was applied to debt and I still owed {$24.00} and I paid it in order to report as PAID IN FULL ON MY CREDIT. Please help Im trying to purchase my first home in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
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: CITIBANK, N.A. (NJ)

Complaint:
In XX/XX/XXXX I purchased a vacation for my XXXX birthday for my mom, sister and myself. I charged my mom and sister 's vacation on a XXXX card. I purchased my vacation on the Citibank card. I booked the vacation through Cheap XXXX. When we arrived to our vacation spot the hotel recommended by XXXX XXXX was an all-inclusive resort which was supposed to include the following but not limited to, non-motorized water sports, daily activities, nightly live shows and entertainment. 
The first evening our room did not have electricity for two nights and the " all-inclusive '' resort did not have the amenities that it was claimed to provide. I attempted to work with the merchant and the hotel and their recommendations were not acceptable to me. 

Upon my return from the vacation, I disputed the charges with XXXX and Citibank. XXXX was able to recover the disputed amounts and Citibank responded on the last week of XX/XX/XXXX that they were not able to recover the disputed charge of approximately {$360.00}. 

I had called Citibank to discuss their decision and after speaking with a variety of associates at Citibank they told me that I did not accept the merchant 's suggestion to move to another resort. XXXX XXXX of Citibank told me her position was with the Executive Response Unit of the President of Citibank. She actually insinuated that I should have moved to another resort. Ultimately, the associates of Citibank should not discuss what options I should have taken and Citibank should have handled recovering the disputed amount with the merchant because what was offered was not provided and their recommendation to move to another resort one day prior to my departure was not an acceptable solution for me and my family.

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 2019-05-25
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:
I am a victim of Identity theft, yet I am having a hard time getting the CRA 's to honor my dispute. My FTC ID Theft Affidavit attached. Please block the Fraudulent accounts listed to the attached, per 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2022-08-20
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. (TX)

Complaint:
obtained this unsecured loan to pay off my credit card, I obtained a {$10000.00} with payments of approximately {$350.00} per month, however, XXXX XXXX has been paid twice and is refusing to update my report to reflect the decreasing balance

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 2022-11-13
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: TRUIST FINANCIAL CORPORATION (GA)

Complaint:
There are unauthorized businesses 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 2021-10-26
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. (GA)

Complaint:
Went to XXXX XXXX XXXX in XXXX Al ( graduated 2012 ) with a degree in XXXX XXXX XXXX and loans are $ XXXX still do not have a job in that field. The payments are too high and it's recorded a negative impact on my credit report. Can not possible purchase anything. Can't transfer credit to another college. I was told the degree is worthless.

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 2019-07-26
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:
After reviewing my credit report I noticed several fraudulent items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (KY)

Complaint:
ComenityXXXX allowed me the card of XXXX. I used XXXX of the card and they closed the card themselves. Also the comenity card which was way fair will not work with me. I have became unable to work and have begged them for a hardship program because I have applied for XXXX and they will not help me. I ask them to close the comenity card and theyve not yet done so and Ive paid and paid on this card and not getting anywhere. I read reviews on the XXXX  page and the reviews are bad! I have ask and begged to the point I dont know what to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX along with XXXXXXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681 Section 602 States that I have a 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 a a payment on a credit account under an open end consumer credit plan as late for any purpose. The provided data to the XXXX on or about XXXX XXXX XXXX. Listed below is their contact infor : LCI Consumer Center XXXX XXXX XXXX XXXX, CA XXXX XXXX I gave no legal authority to collect or disseminate my personal information at any time. This has resulted in a denial of XXXX Please seek maximum damages on my behalf!!

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 2022-03-17
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:
I Contacted The Company XXXX XXXXXXXX Over The Phone About 3 Statement Periods Not Reporting On My Credit Report ... And They Said They Don't Know What's Going On And It's Nothing They Can Do About It.

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 2023-06-01
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. (MA)

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 2022-05-24
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. (AL)

Complaint:
The Credit Bureau stated my account was properly investigated but how is that possible if the date opens inaccurate, the date last active is inaccurate, account type inaccurate, payment status inaccurate, and date last reported inaccurate. This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 a. States i have the rights to privacy 15 U.S.C 1681 Section 604 a Section 2. States a consumer report can not furnish a 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 2020-01-16
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: SYNCHRONY FINANCIAL (NC)

Complaint:
I was notified in XXXX by Synchrony that a charged was placed on the XXXX/XXXX  Live/name-of-the-moment card I had with them. I did NOT place any orders and did not receive any items. 

Filed a fraud claim with them, which they rejected multiple times, claiming product was delivered. I disputed this, stating I neither ordered nor received anything. As requested by them I filed a police report and signed an Affidavit of Fraud ( and got it notarized ) saying I did not order nor receive anything.

Despite multiple rounds of appeals, company is still claiming I received goods and is refusing to honor the fraud claim. I have complied with all of their steps ( 4 separate rounds! ) to get this fraud processed.

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 2021-01-26
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:
My issue is with Equifax. I reached out to them at least 5 times in reference to some unauthorized inquiries on my credit report. I contacted them and the companies that submitted the inquiries. I also submitted and FTC report in reference to the unauthorized inquiries on my report and sent a copy to Equifax three times. Once by mail which they said they never received. Second the the dedicated fraud dept fax number I was given then a second time to the same fax number after I called a fourth time and they said they still didn't receive it. On the fourth call I spoke to a representative that said she saw my report and will delete the inquiries right away. I gave it two weeks only 2 of the 4 inquiries were removed. I called again and talked to a different rep who at first said they did not see my etc report of the page that had the specific inquiries in question. The rep placed me on hold then came back and said he saw it and will take care of the inquiries and delete them. Again I waited with no results. I called today and was talked to a rep that told me the FTC report was invalid even though the previous two reps told me they had everything they needed to delete the inquiries. I asked to speak to a supervisor and after being placed on an extended hold the supervisor came on and said they only received one page of my FTC report so it is invalid. Again this was after 2 of the 4 inquiries were already deleted now all of a sudden instead of my 3 page etc report they only have one page on file with no report number. the supervisor was rude and unhelpful and basically lied about the form that I sent in that obviously had everything on it. I asked if the calls are recorded and documented why she could not see the previous two conversations I had with representatives at her company that said they received the report and would delete the inquiries for me immediately. instead of her listening she talked over me and would not rerspond to my questions. The inquiries to be deleted are from XXXX XXXX on XX/XX/2020 and XXXX XXXX on XX/XX/2020. I will include my letter to them and the FTC report in this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Complaint:
I am filing to dispute all inaccuracies off my credit report with Experian.

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 2022-11-16
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. (TN)

Complaint:
I HAVE INQUIRES THAT I DO NOT RECOGNIZE OR DID NOT AUTHORIZE AND THE CREDITOR AND THE CREDIT BUREAUS REFUSED TO REMOVE THEM. PER 15 U.S. Code 1681b - Permissible purposes of consumer reports, AND 15 U.S.C 6802 Gramm-Leach-Bliley. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY AND I NEED TO BE COMPENSATED {$1000.00} PER INACCURATE ACCOUNT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (DC)

Complaint:
I was denied credit by Amex in XXXX, XXXX which is unlawful pursuant to XXXX XXXX XXXX To the extent that a creditor considers credit history in evaluating the creditworthiness of similarly qualified applicants for a similar type and amount of credit, in evaluating an applicant 's creditworthiness a creditor shall consider The Equal Credit Opportunity Act ( ECOA ) was signed into law in XXXX and prohibits lending discrimination in all aspects of a credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
My name is 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 non-monetary relief
Consumer complaint received 2023-07-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

Complaint:
I sent XXXX, XXXX, and Equifax 2 letters asking them to update my personal information and they still haven't updated my address and name because I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : my name : XXXX XXXX Address : XXXX XXXX XXXX. XXXX, XXXX XXXX This is my only name and my only address

Company response to consumer: Closed with explanation