hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (WA)

Complaint:
I have been submitting multiple written complaints about & to Experian regarding the fraudulent information being reported on my file. The last one being sent to Experian on XX/XX/2022 with complete attachments of my personal information including the Police Report. This Complaint was submitted through the CFPB to inform Experian that I am a victim of identity theft. And the accounts listed below to DO NOT belong to me. I had no idea how they were opened, I did not benefit from them being opened nor do I have any knowledge who opened, how they were opened or any additional knowledge about these accounts. I do believe it was a family member & I did report it to the authorities & am submitting a report from the local police depot where the theft took place. I need the following accounts removed/blocked from my file. I have contacted ALL data furnishers to inform them of the issue as well & they all agreed to block/remove them from my credit. I'm growing tired of Experian 's lack of FCRA laws. I feel they have violated 605 ( b ) not to mentioned 616 & 617 by willfully noncompliance. Please see they are held to the highest legal standard. Please removing the following accounts from my report. 
XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX ... 
XXXX XXXX XXXXXXXX Account number XXXX .... 
XXXX XXXX XXXXXXXX Account number XXXX .... 
DIVISION OF CHILD SUPPORTXXXX  Account XXXX XXXX .... 
XXXX XXXX Account number XXXX .... 
XXXX XXXX XXXX Account number XXXX .... 
XXXX XXXX XXXX Account number XXXX .... 

I'm attaching all the necessary information pertaining to the theft/incident along with identity theft reports, my photo ID & address information.

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 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

Complaint:
On XX/XX/22 I had withdrawn {$290.00} from my Middle Class Tax Refund debit card at XXXX so that I could deposit that money into my US Bank account for XXXX presents for my XXXX year old daughter and also pay my PG & E bill. I went to the ATM US Bank branch on XXXX XXXX in XXXX, Ca at XXXX. Once I deposited the {$290.00} I saw a please wait pop up on the screen which lasted for over a minute so naturally I wonder whats taking so long. Then the machine dispenses a receipt which states AID XXXX A machine error has occurred and we are unable to to credit your account or return some of the items you attempted to deposit. Please contact ( XXXX ) XXXX so we can assist in the return of these items. 

You will need to keep this receipt, as it contains valuable information needed to assist in the return of your deposited items. We apologize for the inconvenience. 

I immediately panicked and saw that there was no record on the receipt or my banking app on my phone of the deposit that I just made. I took my daughter and went into the branch to talk to the Teller and Manager and was crying because XXXX cant believe this just happened. The teller helped me do a claim over the phone so they can do an investigation and he told me there is nothing else that they can do to help. He also mentioned that it can take 10-45 business days before this issue is resolved. I said I need my money today, I cant just wait that long with XXXX coming up and bills needing to be paid. He said Well, have you thought of opening a credit card with us so that you dont have to go through something like this again and wait? I said are you kidding me?! This is the solution you have to the machine eating my money and not having any evidence besides camera footage, the receipt of the excuse and when they do end up counting the money in the ATM machine once a month. They are taking very little accountability for this error. The machine is obviously defected and in no way shape or form should be allowed to be open to the public. This has been one of the worst experiences Ive ever had due to the fact that my daughter was with me, its right before XXXX and they say there is nothing else they can do besides expedite the claim. No one should ever have to go through something like this. We trust banks to deposit and hold our money for us correctly. I have been let down by US Bank and this location XXXX XXXX in the XXXX XXXX XXXXr in XXXX, Ca. It does feel like XXXX at their mercy because of my financial state and I will be closing my account with US Bank once I get my money back and they are done with the investigation.

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 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

Complaint:
They are reporting wrong address and name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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. 

Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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
Consumer complaint received 2017-07-03
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. (PA)

Complaint:
I had applied for a mortgage and found out that XXXX XXXX XXXX was reporting a collection account for a XXXX XXXX credit card debt. I have NEVER had an account with XXXX XXXX ever. I have disputed this account with all 3 credit bureaus over 4 times now as well as with XXXX XXXX. I have sent certified letters asking for proof of this alleged debt and all they have sent me was a couple of XXXX XXXX statements not showing anything that was actually purchased. The balances on the statements they sent me do NOT match what they are reporting to the credit bureaus either. I am filing this complaint against TransuinoXXXX XXXX, XXXX and XXXX XXXX. This is my last effort to resolve this erroneous account before i send this to my consumer protection attorney to sue them for FCRA, FCBA, FACTA and FDCPA violations.

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 2022-06-15
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:
For XXXX years equifax has refused to investigate, or have stated that they verified the bankruptcy XXXX on my report, it can not be verified they refused to respomd to numerous disputes and in some cases didnt respond. I have done numerous complaints to the cfpb, i want this account deleted immediately and i seek damages

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (RI)

Complaint:
On XX/XX/22 - I called Mohela at XXXX and was on the phone for 1 hour and 19 minutes. During that time, I spoke to one person who told me my XXXX employer certification was not qualified because the signatures were not legible. How is a signature legible? It is a signature. The form is attached and signed by the HR representative of the XXXX XXXX I have worked in for the past 7 years.These forms were already approved by my previous lender XXXX. I asked to speak to a supervisor and was put on hold for over an hour. Nobody answered and when I called back the call center was closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (NC)

Complaint:
Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my authorization. XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance ; {$4100.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$940.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX Bankruptcy Reference : XXXX Liability : {$0.00} XXXX CARD Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$730.00} XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$510.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-02-12
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. (NY)

Complaint:
late XXXX, XXXX, equifax had removed XXXX information from my credit report. Upon checking my credit report 30 days later, equifax placed it back without anything in writing. i have called and have been told there is a system issue and they claimed they removed it again in XXXX XXXX i called again and wrote letters in XX/XX/XXXX and I have been given negative answers from the system is down to the information was verified with no method of verification in writing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$2500.00}, XXXX XXXX Balance : {$760.00}, XXXX XXXX Balance : {$0.00}, XXXX ( XXXX Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00}, XXXX  XXXX Balance : {$3200.00}, XXXX XX/XX/XXXX, XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2019-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Complaint:
I have a debt collection for a credit card that I never applied for. I have never utilize this charge account what so ever. I have reason to believe someone may have obtained my information to open this account without my consent. This debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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. (WI)

Complaint:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2022-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EOS Holdings, Inc. (FL)

Complaint:
i recieved mail from a debt collection company trying to collect a debt of behalf of XXXX XXXX. This is a direct violation of my federal rights. 

U.S.C. 1692 states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that 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 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Complaint:
This is my 7th 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 alleged fraud or extortion. 
XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : - XXXX  XXXX XXXX Balance : {$1300.00} XXXXXXXX  XXXX Balance : - XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Complaint:
On XX/XX/2021, I sent a dispute to XXXX, XXXX, and Transunion. These credit bureaus, are reporting incorrect information on my credit report. I have no late payments ; Its been well over 40 days and I have not received a resolution to the described.

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 2023-08-04
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. (TX)

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 explanation
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

Complaint:
Experian charges my credit card each month for services. I want to cancel but I don't even know what my account is on their Website. I don't know of any user ID or password I might have used, and It doesn't recognize my email address. I don't know what old email address I might have used, but couldn't access one anyway. I try to call their number numerous times, but the system 1 ) doesn't recognized that my SSN has an account associated with it to cancel, 2 ) will not let me talk to a representative, and 3 ) just refers me back to the Website which again doesn't help me. They clearly make it impossible to cancel.

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 2017-04-27
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. (AZ)

Complaint:
On  XXXX / XXXX /   2017    XXXX    XXXX  was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment.   XXXX     XXXX  never responded to my letter.   XXXX   XXXX   was stating that I owe  XXXX . After the letter was sent, I checked my credit report on  XXXX   XXXX ,    2017  and the balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today  XXXX / XXXX / 2017   XXXX   XXXX  jumped the loan amount back to {$50000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (AL)

Complaint:
I have been experiencing suspicious activity from my XXXX bank. Ive made complaints and the organization was not taking my concerns seriously. I ordered cards and changed my security and suspicious activity continued. I did not feel like my funds were safe and decided to create a new checking account. 
On XX/XX/22 I chose to discover bank as I liked the perks and what they had to offer. I was disappointed at the time ; they were not offering a checking account due to some company update. I told myself, Ill wait and make savings account to secure my funds. I make a {$500.00} transfer from XXXX to Discover bank. I realized I transferred everything leaving me with {$0.00} to cover for daily expenses like gas. I transfer {$60.00} back from discover to XXXX but my card was locked and became suspended. Ive even paid 1 or 2 bills using my discover ACCT # and R # discover since I couldnt use the XXXX card. Yesterday XX/XX/22, I moved {$250.00} from XXXX to discover, and then discover sends an email that my account is suspended for suspicious activity and provided me with no explanation. I called them and I was informed that the bank made a decision to close the account. They did not provide an explanation. I filed a complaint with them. I do not understand whats suspicious about me slowly transferring all my funds to Discover. The worst part of it all is that they are withholding my {$500.00} for 60 days and I have a major concern with that. That does not sound legal to me, I need someone to help me resolve this or to at least reconsider opening or sending {$500.00} as soon as possible.

Company response to consumer: Closed with monetary relief