hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-03-12
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. (MD)

Complaint:
I recently checked my credit report and have noticed some accounts that i did not authorized. I've provided the documents required by the FTC to have these accounts removed 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 2022-12-08
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: Experian Information Solutions Inc. (NM)

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. 
XXXX is reporting old information in which according to FCRA are old accounts and they can be removed from my credit file. I requested via fax again for the removal of the old creditors and the old account haven't been removed. This is the account in which I am asking to be removed from my credit XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX XXXX, 2018 Balance : $ XXXX I am no longer liable for this account. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2020-12-01
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. (FL)

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there.

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 2022-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Receivables Performance Management, LLC (AZ)

Complaint:
I was first contacted by RPM ( Receivables Performance Management ) on XX/XX/2022 from the number XXXX. I verified who I was and they refused to state what company they were with, who they were, or why they were calling. I called the number back and was able to determine who they were and dealt with the individual on the phone. However, at no point did they ever inform me I had a right to dispute the debt nor did they provide any type of written communication to me ( they say my mail was returned, however I have been receiving mail at the address they verified for months with no issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP (FL)

Complaint:
I opened a claim on CFPB under this number XXXX I was requested by the bank to call them to start the claim requested but on the number they provided XXXX XXXX XXXX there is a record message saying " we are unable to accept this call due system restrictions '' ( Im not in the USA right now ), also I called XXXX XXXX XXXX and they can't help me because the account is closed, they gave me two different numbers XXXX XXXX XXXX / XXXX XXXX XXXX and on that phone nobody answer. 
So as you can see is impossible to call the bank for this issue. 
I have the right to request to open a claim by mail or fax, is not needed compulsory by phone. 
So please proceed as requested or give me a fax number to send this letter. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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. (TX)

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-04-21
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: EQUIFAX, INC. (TX)

Complaint:
This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$12000.00}

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 non-monetary relief
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Complaint:
I've notified Equifax several times regarding incorrect information on my credit report. They've replied to one inquiry specifying that the information has been verified, but upon request of information pertaining to how they verified the information they've ignored me. They've provided me no information as to how this inaccurate information is valid. I've mailed them information on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (OH)

Complaint:
Sir! 

non-payment of bonus linked to new accounts and interests linked to checking and savings account. 

I had opened new checking and savings account by XX/XX/2019. The bank as every year announced opening bonus of {$400.00} for new account opened in according to yearly campaign for new accounts. It has been more than 2 years and my inquiry revealed that my account is stagnant with no addition for interest or bonus amount. 

I wrote an email. A copy is attached and other documents as brought out by bank at relevant time. Also copy of statement.

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 2023-07-22
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. (CA)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all part of a double billing scheme sent out after Ive reported fraud several times regarding the accounts due to the XXXX breach in 2017. My information was released and as you can tell from their list Im a qualified victim, and Ive been battling it ever cents. There are numerous unauthorized transactions, forwardly reported and were brushed off by each entity, including XXXX XXXX, it has been a struggle to clear up what has been a long, lasting conundrum of arguments and what if when the law protects me and should have it released within XXXX. The time

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 2022-11-29
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: Bread Financial Holdings, Inc. (WI)

Complaint:
XX/XX/XXXX : Received a billing statement for an account with Comenity Bank that I was unaware was still active. I previously opened this account to buy something on XXXX month special financing terms which ended in XX/XX/XXXX. The current billing statement showed 22 individual {$.00} charges which I did not recognize. Based on previous experiences with other creditors, this is a typical activity of fraudsters. This particular card issuer apparently lacks safe gaurds to identify this type of activity. Any other banks I have worked with would have called me to notify me of such illegal activity. The card was unused for years and then randomly has numerous small charges in a row. Seem 's like a red flag but I am no expert. 

XX/XX/XXXX : Went to the card issuer 's website from my home computer which had a login and password saved on it for their website. I called the number on the website to report a fraud claim. Spent XXXX hours hold over the phone and was unable to report to their fraud department. The only person I was able to communicate with was through a 3rd party call center. I sent messages on XXXX and their online portal to call me and cancel the card. I was contacted via XXXX support then and was told someone would call me the following business day. 

XX/XX/XXXX : I received a phone call today and was immediately put back into a phone queue with seemingly endless hold time. I've waited hours on hold for the past 2 days. I can not manage my workflow and keep waiting on hold so I have yet to report the illegal activity. It is not reasonable to wait on hold all day to report fraud. I have a job and a family to care for. This company should have the proper staff to accept fraud reports in a reasonable amount of time. I still have not reported this to their fraud department and can not wait on hold for hours to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NC)

Complaint:
Submitted application for XXXX XXXX credit card due to my credit file being restricted to obtain credit without verification I had to do extensive verification I went through that process with representative as she verified identity she proceeded to process my application when she presented me status she stated it was denied due to info not being verified I find that hard to believe with every piece of information matched up to my identity as well as what is on credit file I feel as this is an act of discrimination why credit wasnt granted and I want this to be looked over the reason for decision was not warranted and not fair.

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 2020-10-20
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: Experian Information Solutions Inc. (CA)

Complaint:
THIS IS NOT A DUPLICATE REQUEST. EXPERIAN IS NOTHING MORE THAN A BUNCH OF CRIMINALS AND MORONS. THE COMPLAINT IS THAT YOU DID NOT RESPOND TO ME ABOUT MY COMPLAINT IN 30 DAYS, TO WIT ... ..

YOU DID NOT DO YOUR INVESTIGATION IN 30 DAYS. I DARE YOU TO RESPOND TO THE ACTUAL COMPLAINT. RESPOND TO THE FACT THAT YOU DID NOT INVESTIGATE IN 30 DAYS. REFRAIN FROM YOUR LENGTHY, FULL OF XXXX  RESPONSES, THAT ARE INTENDED TO CONFUSE.

RESPOND ONLY TO THE FACT THAT YOUR INVESTIGATION WAS NOT CONDUCTED IN THE LEGAL FAIR TRADE CREDIT REPORTING ACT 30 DAYS.

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 2020-11-08
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 — Problem with personal statement of dispute
Company: NIC, Inc. (TX)

Complaint:
False statement or representation of debt Per violation, there is no legal contract on file with original signature. Contract cancelled with XXXX TX and XXXX collections. ( see attachment**************** )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (CA)

Complaint:
I am unable to pay this debt due to financial hardship. No offer of a lower income assistance was offered by the original creditor, and isnow with a collection agengy. This has created a negative effect on my credit file with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Complaint:
I had 3 fraudulent charges from my Chase Checking account. Chase reversed the first 2 charges and not the third saying their company policy is to only reverse the first 2 charges because they have a 60 day time limit. The 1st charge was {$54.00} in XX/XX/2018, the 2nd charge was  {$180.00} in XX/XX/2018 and the 3rd charge was {$530.00} in XX/XX/2018. I can't get passed anyone at Chase because all they are telling me is that it is company policy. When I originally filed the claim they told me it had to reported within 60 days which I thought I did seeing I filed the dispute in XX/XX/2018.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hexagon Collection Services, LLC (CA)

Complaint:
hexagon collections in XXXX  CA called me and demanded that I reissue checks made to my former dentist into his name, I have been sending in checks for the last 3 months to XXXX XXXX XXXX  and this was the call that I got today where this gentleman called me a XXXX XXXX and told me this would destroy my credit I have been making payments to this dentist and because he hands the checks over to this guy he calls me an XXXX, that is out of line and also to tell me that this will destroy my credit

Company response to consumer: Untimely response
Consumer complaint received 2018-03-19
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: Diversified Consultants, Inc. (MI)

Complaint:
I have disputed multiple times with XXXX, XXXX and XXXX regarding the inaccurate reporting of DCI. 
These inaccurate accounts continue to be reported and they are not mine. 

Dci Opened XX/XX/XXXX {$270.00} Original creditor : XXXX Dci Opened XX/XX/XXXX {$1000.00} Original creditor : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

Complaint:
Can you update my address and name on my credit profile.

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