hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

Complaint:
On XXXX XXXX XXXX Experian and XXXX  responded to my complaint that I filed with the CFPB regarding Chapter XXXX bankruptcy that is on my consumer report each of the credit bureaus claimed that they verified this information with the Federal Courts, they never provided me with a name, address or person. It just states it was verified by courts. On XX/XX/XXXX I wrote to US Bankruptcy Court asking did they verify my information with credit buraus and they sent back the attached correspondence stating they do not verify records with credit reporting agencies. I also checked Experian and XXXX  websites an it states they both verify bankruptcies with the courts.

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 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX  We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Complaint:
15 US. Code 1681c-2 a consumer reperting agency shall block the reporting of any Information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in Violarion o this law because i am a victim of identity theft!! please delete these items IMMEDIATELY. These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (IL)

Complaint:
A person went in to my account and reverse bill that I had paid and made it look it was me and I told Chase that now of it was me so they say that I od them XXXX dollars for the checks that went in my account they closed the account so I don't know how they say that I took money out and they did not tell me about what was going on tell couldn't get in my account so I fill that they wrong for not telling me what was going on when it was happening to me.i had to come in the bank to know what was up and the person that this reverse my bills that I had all ready paid I had to fright for were is staying because the person reverse XXXX months of my rent that I paid went on the computer and electronic checks from places were I went and brought at the store and wrote checks from my account that I did not know about.i need the red flag off my name because I don't od them nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (TX)

Complaint:
Hunter Warfield, INC XXXX XXXX at XXXX {$6500.00}. 

I was under a lease at XXXX XXXX XXXX in XXXX, Texas. I have never lived in XXXX. I was XXXX at the time. I have disputed for the past 4 years No one can show me proof that I have lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

Complaint:
I had XXXX returned payments because my bank account was frozen and closed due to fraudulent activity from a different card. {$4000.00} was stolen from the bank account that I usually use to make my Amex payments. I informed Amex about the situation and they told me its okay just make payment from different bank account. Considering I have XXXX bank accounts I did and my payments were up to date. I always pay on time and pay off my cards before the end of billing cycle. I had another returned payment because I chose the wrong bank account and I asked Amex to stop trying to take the money out of the account XXXX times. I told them that bank account is the wrong account and I dont use the account and to cancel the payment since I realized my mistake before and made the payment right away with my different account. Amex then told me they need to verify funds from a different bank account which we did. I had sufficient money in there and they unblocked my card. After multiple times of telling them to stop trying to take money from the wrong bank account they did not and kept trying and trying. My Amex card balance is currently XXXX. They actually owe ME money. On top of that I just paid my {$690.00} membership fee which they informed me I might not even get back which is theft, I just paid them {$690.00} for membership and they then close my account? Seems kind of fraudulent to me. They then took {$1200.00} worth of points from me as well. I have been a member with Amex since 2017 I believe starting with XXXX Amex and then gold Amex and platinum. I have paid on time always and never missed a payment. What they are doing is fraudulent and I either would like my platinum card reinstated as well as my gold card or my membership fees back for both cards since they didnt even allow me to finish my year of membership with my gold card. Thats {$250.00} in membership fee for gold card and {$690.00} for platinum. Plus I would like my balance sent to me in form of check. I really would rather have my card reinstated and my points back but if not this is theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (VA)

Complaint:
I have two different complaints First of all, with the exception of the {$550.00} being worked my Midland ( more on them below ), every one of the balances showing on my report HAS BEEN PAID IN FULL I know that you will claim that my score will be upgraded soon .... but that does not change the fact that what is being reported is outdated and inaccurate! 
My second problem is that Midland is claiming that my account has not been updated meaning of course that they are hoping to bleed more $ $ from me which aint gon na happen Could you help in that area?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
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: EQUIFAX, INC. (PA)

Complaint:
On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX XXXX  XXXX, and the three major credit bureaus ( XXXX, Equifax, XXXX  ) with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2018 with a credit limit of XXXX , appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC (VA)

Complaint:
XXXX. claims I owe them money. I never heard of this company nor have I ever done any business with them. They sent my fraudulent balance to collections ( Central Credit Services LLC ) and the collection agency wo n't speak with me regarding the 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 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
I was trying to initially get a car loan with XXXX XXXX on XX/XX/XXXX and got denied due to my DTI being too high, which was impossible considering all of my student loans are deferred. I also lost the vehicle to someone else buying it at the price point I wanted and was planning on getting it upon approval because of this. I had someone in the financial industry look into how I could possibly be denied considering Ive worked my XXXX off to build my credit back up and have good credit so I know for a fact I wouldve gotten the loan and was told that the student loans were what was putting my DTI too high. They stated to me that it appeared a student loan was showing as active not deferred on my credit report and stated that it looked like it had been shown that way since XX/XX/XXXX. This information was provided to me on Friday XX/XX/XXXX. I was told to call the lender to find out what code they were showing. I called XXXX XXXX on XX/XX/XXXX. They stated they didnt see a code but would email underwriting after I told them what happened and someone would be in touch. I then called XXXX first since I saw on XXXX that they were in trouble for coding errors. XXXX stated that they didnt see anything but that my loans were {$0.00} and didnt give any other info but stated I would have to prove its them. I then call XXXX to see if they had the same thing. I was then told that not only the loan I was inquiring about showed as active but all of my loans that were taken over by XXXX showed as active and not deferred. Also my private loan from XXXX was showing as active. So I had to dispute starting with them and while I was on the phone with them my mother was on her phone with XXXX who admitted that they had a computer glitch and it reported everyones loans like this. Meanwhile the guy at XXXX is on speaker and also my moms phone is on speaker and XXXX states that the call is being recorded. I said good because you got him on recording admitting to an error thats affecting peoples lives and explaining it as if its no big deal because theyre sending letters to all credit bureaus about theyre boo boo. I stated to XXXX that I got denied an auto loan and lost out on the vehicle I wanted because of you guys. I also told him I needed that letter now because Im disputing now and I need documented proof. So he tells me to get on the site go to tools and print to send. But I also told him a hard inquiry has also been ran against me and now I have to wait and the inquiry will be shown on my report for no reason.

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 2016-08-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc. (GA)

Complaint:
I have notified Optimum Outcomes that I was a victim of Identity Theft and I provided Optimum Outcomes with a Identity Theft Affidavit. To date, Optimum Outcomes has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (DE)

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
On XX/XX/XXXX I and XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, and XX/XX/XXXX sent an investigation to the credit bureaus to check every piece of information on my account certified mail. I told them to investigate everything on my credit report and to make sure every is XXXX percent accurate. Here is my certified mail USPS tracking numbers Tracking Number : XXXX, XXXX, XXXX Transunion did not review and send supporting data furnishers, because if they did then they know these items shall not be on a consumer report.

They did not do any proper investigation based on 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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.

According to : 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. so far nothing has changed and they keep saying verified but did not do it because they did then this complaint would not be here right now which has been emotional due to the whole process and now this takes more time too.

Transunion keeps saying verified and accurate with no changes. made. They said they looked it up but didn't do personal interviews and said this is factual information is allowed that was not properly verified. my response was if so who did their personal interview and how come you violated my rights. So far no changes have been made.

Thank you Mr. CFPB for looking into this.

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 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXXBalance {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Upgrade, Inc. (CA)

Complaint:
Hi I tried to check my rates without pulling my credit report ( hard inquiry ). And i am still shopping arround cause the loan ammount that i need is more than 25k, then it happend to see a hard inquiry on my credit report from Upgrade, I never ment or wanted or accepted to process any loan application or accept any terms specially that the loan amount doesnt match my needs. 

Also the costumer service guy at Upgrade recommended me to send an email to XXXX to explain what happened with me so you can remove this hard inquiry from my report but didnt have any response from them. 

Please i would like to give you any kind of explinations needed to kindly remove this hard inquiry. 

Note : i was using upgrade ONLY because i can check rates with no impact on my credit score. 
My score dropped by 15 points yesterday. 

Looking forword hearing from you soon Thanks Sent from my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (CA)

Complaint:
I applied for an Apple Card on XX/XX/XXXX, and was notified that my application was denied because my outstanding balances were too high relative to my income, but that I could pay down my balances and reapply, without any detrimental effects. I began paying down my balances incrementally, reapplying each time, and being denied for the same reason, with the same guidance about how to get receive a different decision. I then paid off a large portion of my balances with birthday presents I received, and reapplied, this time noticing that I had previously underreported my annual income by only reporting wages. This time, I was denied because my information could not be verified, and instructed to call a Goldman Sachs Apple Card Approval specialist if I believed this was an error. I did so on XX/XX/XXXX, and was told that nothing could be done for 30 days, because the system was unable to take new information from me, at which time I could reapply. When I complained that I need the card right away, to finance the purchase of a new XXXX   for use in my job as an XXXX, and that I had been instructed repeatedly to reapply without any mention that doing so more than a certain number of times would prevent me from applying for 30 days ( if I had known this, I would have paid down my balances at once before reapplying, instead of doing it incrementally because I was told I could reapply repeatedly without penalty and was trying to get the card to finance my XXXX  purchase as soon as possible, for use XXXX  in these times ). After being transferred to a supervisor, I was told that I had to wait 30 days for the system to repopulate my data ; when I explained the situation and said I would contact the CFPB, I was told that a case would be opened for me and I would be contacted on XX/XX/XXXX. On XX/XX/XXXX, I received an email explaining that I had been rejected for the reasons detailed in the original rejection email, and to call a specialist if I believed this was an error. I called again, repeated exactly the process described above, was told again by a manager that all I can do is wait 30 days and reapply, although she initially said that there was no reason why that should be the case, so I am now filing this complaint. I am locked out of applying for a card I need to finance an urgent purchase for 30 days, because I did what the issuing bank told me to do in order to successfully reapply, at every point.

Company response to consumer: Closed with explanation