hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-03-12
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. (NV)

Complaint:
On XX/XX/XXXX, I disputed items in my credit report that were a result of Identity Theft. I filed the dispute online through the Experian website where I was required to upload documents to support my claim of Identity Theft. I uploaded numerous supporting documents including, a copy of a police report for the theft of my belongings and credentials that led to the Identity Theft, and Identity Theft Affidavit, an FTC filed complaint for the Identity Theft, etc. On XX/XX/XXXX, I received a letter from Experian advising me that the Identity Theft report I provided for my dispute does not meet the guidelines by the federal Fair Credit Reporting Act for the following reasons. But the letter does not list any following reasons. Experian is now requesting that I provide them with an enormous amount of specific information and support documents in order to proceed with my dispute for Identity Theft. I've already provided them with the requested information when I initially filed my dispute online through their website and uploaded the requested documents electronically. There is already an extended fraud alert ( 7 years ) on my credit report from when I first reported the Identity Theft to Experian in XX/XX/XXXX. In order for Experian to have placed the extended fraud alert on my report, I was required to provide them with information and documentation that supported the Identity Theft, so the information had already been provided to Experian in XX/XX/XXXX. The information and documents I uploaded on XX/XX/XXXX, when I filed my dispute online through the Experian website, did reference the Identity Theft that occurred and supported the fact that Identity Theft was committed against me. I'm not understanding why Experian is now saying the information I provided did not reference Identity Theft. The letter I received from them on XX/XX/XXXX, fails to state the reasons why they did not accept the documents I provided.

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 2019-11-14
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. (NY)

Complaint:
the account in question was opened fraudulently

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 2021-03-09
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. (WA)

Complaint:
on XX/XX/21 I got an alert that someone had run a hard inquiry on my credit which I never authorized or have an idea of the person this report showed up on my Equifax credit report as XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc. (TX)

Complaint:
I was told today, XX/XX/2019 by my employer XXXX XXXX, phone number XXXX, case # XXXX has been calling the the chairpersons office at my work to get permission to have me served while I am working. I XXXX at a XXXX college. I called the number and spoke to a 'XXXX XXXX ''. He is calling about a debt that is over 10 years old. I asked him to stop calling my work. He then called the chairperson two more times after we spoke and after I asked him to stop these calls at my place of employment. I have not received any mail regarding this old debt or received any calls. This harassment is affecting my job performance and personal reputation from my employer of XXXX years. I need this to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
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. (MO)

Complaint:
I contacted the bureaus and there is unverified debt on my report that's not mine. I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) SW 715.719. I Presume that no proof of the alleged debt, nor therefore any such debt exists. 

Here is the item : XXXX XXXX XXXX # XXXX

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

Complaint:
XXXX XXXX and credit agencies unknowingly and were not authorized to trade my information to make a misrepresentation of me and hinder my credit report. 

A charge off is considered a certificate of indebtedness and can NOT be reported as income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (CA)

Complaint:
I applied was was offered four jobs. After getting my check back they declined to hire me. How amnI supposed to live when I cant get hired because of someone elses actions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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 and XXXX Account # XXXX placed by XXXX has violated my rights. 

15 U.S.C. 1681 section 622 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 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 explanation
Consumer complaint received 2020-08-14
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. (LA)

Complaint:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX @ XXXX CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXX {$140000.00} XXXX XXXX XXXX {$480.00} XXXX XXXX {$9300.00} XXXX   XXXX XXXX {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Persolve, LLC - Legal - Series 2 (CA)

Complaint:
I XXXX XXXX am a natural person, Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for all accounts created by my seal/signature. This Demand is a response to willful disregard of the law by PERSOLVE XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX is presenting a gross mischaracterization of an alleged debt. PERSOLVE XXXX XXXXXXXX XXXX brazen attempt to ignore my initial claim of XXXX XXXX alleged theory that they are entitled to funds not owed to them as defined in 15 U.S. Code 1602 TRUTH IN LENDING ACT The EXHIBITS attached will show direct violations of 15 USC 1692e ( A ) the legal status of a debt 15 USC 1692e ( 3 ) the implication that any individual is an attorney The EXHIBITS attached will show direct violations of 15 USC 1692b ( 2 ) Stating the consumer owes a debt 15 USC 1692b ( 3 ) Not communicate with any person more than once 15 USC 1692b ( 5 ) the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
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. (TX)

Complaint:
sent ftc violation taking more than 30days

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 2022-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (PA)

Complaint:
This case is about {$8000.00} being taken out of my account at M & T bank on XX/XX/2022 without my knowledge or permission.M & T bank should have notified me of a large transaction like this if I authorized it or not.The account was suppose to being watched for suspicious behavior the IT staff at M & T should have thrown a flag up with this large of a withdrawal.I should have been notified.When I discovered this I was at the bank before they opened and waited for the Manager and disclosed what happened.My account was compromised and the banks job is to protect their Customers assets.I started a dispute with M & T bank and they should in good faith return the money that was taken out of my account.It is the banks responsibility to protect at all times the customers hard earned money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

Complaint:
I am a victim of identity theft. I had filed complaints to the XXXX on XX/XX/2022. The bureau received the complaints but has not taken off the Unverified information from my report. 
The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.

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 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Complaint:
Transunion did not do a thorough investigation. Further harm and endangerment to my child and myself as protected members under the ADA

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 2023-05-12
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: Experian Information Solutions Inc. (TX)

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 explanation
Consumer complaint received 2019-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

Complaint:
Citi wrote a letter dated XX/XX/XXXX. In the letter Citi stated " We ask that you contact us at XXXX to have your account reviewed. Our representative will assist in determining if there are available programs that suit your needs. '' I have contacted Citi on XX/XX/XXXX and after waiting on hold for about five minutes while the agent supposedly searched for what programs where available the agent came back and told me there were no programs available for me at this time and that I can call back after the end of the billing cycle which is around XX/XX/XXXX and have the account reviewed again. I called again on XX/XX/XXXX and was immediately to that there were no programs available to me at this time. I have contacted Citi twice now to resolve this however Citi is unwilling to negotiate any type of settlement or honor any one of my request such as removing this account from my credit report with the credit bureaus and still expects me continue making payments and charging me 26.99 % interest on an account that I can no longer use. 
In regards to the credit reporting and removing this account from my credit report with the credit bureaus Citi claims " Please be advised that under applicable laws, creditors are obligated to retain identifying and credit information in connection with a credit card account for a certain period of time. Therefore, although your account is closed to additional purchases, we are unable to delete your account records as you have requested. '' Credit reporting is not mandatory. Citi 's own customer agreement for the credit card states " We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We may report account information in your name and the names of authorized users. We may also obtain follow-up credit reports on you. If you think we reported incorrect information to a credit bureau, write us at the Customer Service address on the billing statement. We will investigate the matter. We will then tell you if we agree or disagree with you. If we agree with you, we will contact each credit bureau to which we reported and request a correction. If we disagree with you, we will tell you that. '' Citi should be more specific and site specific laws it is referring to. Citi is not mandated, required, or obligated by law or its own customer agreement to report the account to a credit bureau so asking Citi to delete or remove the account that Citi closed on it own and without my permission or request and that I can no longer use is not an unreasonable request.

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 2023-05-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Complaint:
THESE INQUIRES WERE NOT MADE BY ME AND I HAVE SENT THEN SIGNFICANT AMOUNT OF PAPER WORK AND THEY REFUSE TO DELETE THESE ACCOUNTS. 


Hard Inquires Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-03-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (TX)

Complaint:
Started getting calls again for another person. I told them on XXXX XXXX that I do not know who he is do not call my number again. They said they would add my number to the do not call list. Again today I received a call from Ally bank looking for him. I had this same issue with them a few years back and they are starting up again.

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: 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. (OH)

Complaint:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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. (GA)

Complaint:
This is my several complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2017-11-15
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: FC HoldCo LLC (OH)

Complaint:
I went to XXXX of XXXX in Ohio. I was interested in a vehicle they had there. When it came down to buying a vehicle I told them to run my credit one time to see if I could get approved if I could n't get approved from that one time pull then I was n't interested. So instead they sent it to 5 different companies to pull without my permission. I would like these taken of asap. I did n't authorize 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 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: EQUIFAX, INC. (IL)

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX Account # 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 an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known, or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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. (LA)

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. 
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