hpe-ai/customer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Original Creditor : ) XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
The act of fraudulently obtaining and using another persons identifying information or personal financial documents, such as a signature or bank/XXXX account, usually for the purpose of financial gain. 
Identity theft is the act of stealing another persons personal identifying information in order to gain access to his financial resources, or obtain access to other benefits, such as money, credit, or insurance benefits. Identity theft, sometimes referred to as identity fraud, is a crime that carries serious consequences. To explore this concept, consider the following identity theft definition

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 2023-04-07
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. (WA)

Complaint:
On XX/XX/2023 my Citi Custom Cash credit card was stolen while I was shopping at XXXX XXXX in XXXX, WA XXXX. Shortly thereafter, the card was used for the following fraudulent charges : XX/XX/2023 : XXXX XXXX - {$61.00} XX/XX/2023 : XXXX # XXXX - {$33.00} XXXX # XXXX - {$12.00} XXXX XXXX  # XXXX - {$9.00} XXXX  # XXXX - {$16.00} XXXX XXXXXXXX XXXX - {$0.00} XXXX XXXX # XXXX - {$170.00} XXXX # XXXX - {$49.00} XXXX XXXX XXXX XXXX - {$33.00XXXX XXXX XXXX - {$13.00} XXXX XXXX XXXX XXXX - {$30.00} After these purchases were made, Citi automatically flagged my card and disabled it with the correct assumption that my card had been stolen. I immediately contacted Citi to have the card canceled and the charges disputed, and they sent me a new card. 

However, despite the charges being credited to my card and a fraud investigation successfully being opened, the charges were *reversed* and *re-applied* to my card sometime in XXXX and the disputes were closed with the following message : Your dispute is resolved and no credit has been issued Our investigation is complete and a fraud credit will not be issued to your account. We recommend that you review your transaction history to see if the merchant already posted a credit for the transaction before reaching out to us for any questions. If you still need more information on the decision, you can contact us at XXXX ( XXXX XXXXXXXX ). 

Legally speaking, I am not allowed to be held liable for fraudulent charges made on my credit card, and Citi is violating consumer finance regulations by attempting to hold me liable for these fraudulent charges made on my credit card. I have contacted them twice since the credits were reversed to have them re-credit me for the fraudulent transactions, however, they have not done so either time despite the customer service representative reassuring me that the charges would be credited to me, and I believe that Citi intends to continue trying to illegally hold me responsible for these fraudulent charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-10
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. (IL)

Complaint:
In accordance with the Fair Credit Reporting act on XX/XX/XXXX XXXX Convergent Outsourcing Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act on XX/XX/2020 XXXX XXXX XXXX, Acount # 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 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 2022-07-28
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: EQUIFAX, INC. (HI)

Complaint:
On XXXX XXXX, 2022, an investigation request letter was sent via certified mail to all credit bureaus to investigate an account to ensure information is complete, accurate and updated. 

All credit bureaus received certified mail no later than XXXX XXXX, 2022. 

It has been more than 30 days and as of date, I am not aware of any written responses from the credit bureaus. If account has been investigated and verified, information is still inaccurate and incomplete, as per my latest credit report dated XXXX/XXXX/2022. 

Inaccuracies as per my latest credit report are as followed : -Date last verified -Date of last activity -Date reported -Date opened -Last payment -Payment frequency Attached documents include : -Latest credit report dated XX/XX/2022 with inaccuracies highlighted.

-Inves

tigation request letter with 2 forms of ID. -Certified mail stubs, front and back. -Request l
etter to update personal information, also sent with 2 forms of ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
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: AmerAssist A/R Solutions, Inc. (TX)

Complaint:
When I reviewed my credit report I have found items that I have never applied for a credit nor any communication with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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. (KS)

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Addresses : XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : XXXX XXXX Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Name : XXXX A XXXX XXXXXXXX XXXX : XXXX AND XXXX XXXX XXXX KS XXXX Addresses : XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiries : XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX Collecons : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX FL XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiry : XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-11
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (FL)

Complaint:
I closed on a loan with LoanCare XX/XX/XXXX but they continued to report to the credit bureaus that payments were late and the account was over 150 days delinquent. Incorrectly reported information for XX/XX/XXXX through XX/XX/XXXX. The account was paid in full from the sell of the property XX/XX/XXXX. I have attempted to contact the lender at the phone number reported on the credit bureaus however they say theres no record of an account with me in their system.

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 2023-08-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXXXXXX XXXX  : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXXXXXX XXXX XXXX XXXX Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXXXXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
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. (PA)

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2022-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (MI)

Complaint:
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. This collection found within my credit report 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 public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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. (CA)

Complaint:
I put in a dispute with trans union regarding a derogatory item on my credit from XXXX funding. The dispute was submitted in XXXX. Im not sure of the exact date, and I cant get any information from the TransUnion website. The site is always experiencing errors. The company XXXX funding violated my credit rights. They used fraudulent deceptive tactics. They took advantage of me. Because I missed a payment. Led me to believe that if I paid {$50.00} they would resume my payments plan. After they took the XXXX out. They came back and told me that they would not be able to let me keep my payment plan. Yet, they continued to take money out for the plan. Trans union has refused to remove this item off my credit report. Even though XXXX is in violation.

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 2023-01-25
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:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXXXXXX 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. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten 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 2022-03-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV INC. (ID)

Complaint:
I received XXXX separate notices from XXXX XXXX XXXX on XX/XX/2022 XXXX XXXX {$83.00}, XXXX XXXX {$66.00}, XXXX XXXX {$70.00} I've had an XXXX account for over XXXX  years and have never owed them any debt and I called the to verify this fact which they did. I put in a dispute with XXXX XXXX XXXX and asked them to send me proof of the debt they say I owed since both XXXX and myself were unaware of it! 
I received a letter today dated XX/XX/2022 from a XXXX stating that they did not have enough information to investigate my dispute and want a copy of my drivers license and my SSN number and a copy of a vided check. I never paid my XXXX account with a check and I'm not giving them my personal information Reference # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Complaint:
I have XXXX credit cards from different companies -- XXXX, Capital One, and XXXX for XXXX. What I am noticing is that it is difficult to readily locate your credit limit when you view your account information on line. This is important to understanding and managing your total spending. What I am able to readily see, is the outstanding balance and the available credit. As you know, the outstanding balance does not take into consideration, pending charges. So, in order to get your true spending, you need to take your credit limit and subtract the available credit. I think this is very important and necessary to budget and managing your credit card spending, especially if the company raises your credit limit. In order to find your credit limit, you have to open up the last statement. Hopefully, between the time you pull the statement and when it was printed, there wasn't any change to your credit limit. I think credit card companies implemented this approach to make it difficult for the consumer to manage and budget their credit card spending, leading to increased spending. I see this a strategic tactic to get you over spend.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

Complaint:
I've identified accounts on my report that are a result of identity theft. These items are not related to any transactions completed that I've made. XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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. (OR)

Complaint:
XX/XX/2020, my car repossessed I was behind on my payments because of pandemic I wasnt able to work. XXXX XXXX took my car without any letter I wasnt informed theres no proof my car is going to be repossessed. After my car repossessed I payed in full then I get my car back, during they repossessed my car my credit reduced. XXXX points and I was continued to pay my payments but still on my credit report and I believe after I catch up omn payment shouldnt be on credit.

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