hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-12-10
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. (AL)

Complaint:
I am victim of fraudulent abuse. XXXX XXXXXXXX XXXX I did not authorized for them to do anything to my account nor credit report I did not use their money someone used my information and now im stuck with this bad credit report that I do not deserved! Im asking for this to be removed and further investigation!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DC)

Complaint:
XX/XX/2018 XXXX XXXX EDT I received a call on my mobile phone from Portfolio Recovery Associates inquiring about a debt incurred nearly 20 years ago.

The call is a suspected robo-call. On pickup, there was a long pause ( where I said " Hello? '' multiple times ) until an agent connected and began to ask me for verifying information before stating the purpose and company affiliation of the call.

Once I became aware of the nature of the call, I interrupted the agent to say " Not interested, goodbye, '' and hung up the phone. 

My understanding is that a class action lawsuit has already been filed against this company for their robo-call practices ( I was involved in that suit ). I write this complaint to you with suspicion that they are again using these practices to harass people. Please investigate if there are enough reports supporting this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-12
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: EQUIFAX, INC. (MN)

Complaint:
I am a victim of identity theft. The   XXXX   account with an opened date  XXXX   XXXX ,  XXXX , do n't belong to me and should not be listed on my  Equifax,  XXXX   or  XXXX   XXXX  credit report. The following credit inquiry is fraudulent and unauthorized :  XXXX   XXXX ,  XXXX   XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Complaint:
I HAVE REACHED OUT TO THE BUREAUS AND ASKED THEM TO REMOVE THE INFORMATION RELATED TO IDENTITY THEFT. I SUBMITTED AN FTC THEFT AFFIDAVIT AND POLICE REPORT BUT THEY HAVE BEEN IGNORED AND THE FRAUDULENT INFORMATION IS STILL BEING REPORTED.

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 2019-11-06
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: Veros Credit, LLC (NV)

Complaint:
I never authorized this company to run my credit bureau reporting on XX/XX/2018

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
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. (VA)

Complaint:
This is XXXX XXXX, who is submitting this XXXX  complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

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 2019-11-17
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: EQUIFAX, INC. (GA)

Complaint:
My equifax credit score shows XXXX, none of my accounts are reporting because they have the wrong date of birth

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: 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. (NC)

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

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 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Complaint:
The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX, XXXX XXXX, UNKNOWN XXXX, XXXX XXXX ( Original Creditor : 10 XXXX ) XXXX , XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06
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. (PA)

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 46 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the wrong persons hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Complaint:
In accordance with Fair Credit Reporting Act : Account Name : XXXX XXXX XXXX, Account Number : XXXX ( XXXX XXXX ) has violated my rights ; Section 602 ( a ) /15 USC 1681 states that I have a right to privacy.

Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2021-10-21
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: Birchwood Credit Services, Inc. (VA)

Complaint:
Birchwood Credit Services, the loan originator Mr. XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX MUST NOT be allowed to do hard inquiries on my credit without my official consent, But since they do not care ( no matter how many times I ask not to ), I decided to submit a complaint here and should be a lesson so they stop harassing people. 
So the story is we decided to refinance our mortgage last spring and XXXX XXXX XXXX XXXX , XXXX was suggested, the loan originator Mr. XXXX XXXX pulled our credit on XX/XX/2021 through the Birchwood Credit Services for the first time off course with our consent and approval and started the process but due to some financial complication we stopped the refinancing process at that time. 
Later again on XX/XX/2021 Mr. XXXX XXXX this time WITHOUT our approval and written consent opted for a hard inquiry on my credit. We just called and talked to him not to do this ; and we tried to think it was with good intentions to help us take the advantages of the lower rates. 
But AGAIN on XX/XX/2021 he did another hard inquiry through Birchwood Credit services on my account absolutely WITHOUT my written consent, not even some verbal heads up, and I got the notification of this and the negative impact ... I thought I can not live with this anymore, this is very rude, inconsiderate and bothering..this is not right! 
I just called and complained but since they might not care and I am sure this will happen again and again -not to only me but others- I decided to submit a complaint here to let the companies know what is happening and prevent their employees from harassing the customers. I do not even know how to and with what language I tell them that leave us alone, plans changed and we do not want refinancing anymore! Stop Bothering.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
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. (NJ)

Complaint:
Transunion LLC at XXXX XXXX XXXX, PA XXXX I sent letters to this company XX/XX/2021 to verify that what is reported on my credit report is accurate. They have not provided me with any proof of verification and are still reporting inaccurate data on my credit report. 

1. XXXX XXXX The date of the last activity is different on every bureau report, the collection account is being reported as an open account, and XXXX is still reporting positive payments. 

2.XXXX  XXXX date of last activity is different on each bureau, XXXX is reporting on time payments, each bureau is reporting a different high credit amount.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OK)

Complaint:
My Chime Bank Account routing XXXX, account XXXX reflected 3 charges for {$95.00} to XXXX XXXX XXXX. I contacted XXXX XXXX, only got to speak to a answering machine and have left 3 messages. Filed disputes with Chime. I don't have a XXXX XXXXXXXX XXXX  card, nor have I applied for one. This is literally tying up {$280.00} of my money that I need to buy a car right now. I have had no response from the credit card company nor the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I am a victim of identity theft and I have tried to correct the inaccurate, incorrect and misused information on my profile multiple times, and this company refuses to correct it and tells me its verified. I have shown proof information is all inaccurate and still they claim its verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (IL)

Complaint:
I HAVE ONE CITIBANK ACCOUNT CHARGE OFF WITH {$10.00}, I NEVER HAVE BEFORE CITIBANK CARD. 

I HAVE XXXX XXXX  XXXX XXXX ACCOUNT CHARGE OFF WITH {$1.00}, I HAVE ONLY ONE  CARD IN XXXX XXXX XXXX. I TRY WITH THE BANK DIRECTLY, AND THEY AGREE WITH THIS ACCOUNT IS NOT MINE, BUT I SEE IN MY REPORTS.

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 2022-01-07
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. (NV)

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2019-10-02
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: Bread Financial Holdings, Inc. (FL)

Complaint:
I reviewed my credit report & see this company ran my credit without my authorization! Ive never heard of this company! Nor did I authorize or apply for anything with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (UT)

Complaint:
The company unfairly changed the terms of my credit card during the COVID pandemic. I have been making perfect on-time payments and have been a long time customer of Chase. I have a XXXX XXXX in the XXXX. I received a notice that the terms of my credit card was changed and it involved an increase in penalty APR ( i.e. for late payments ). I feel this is price gouging during the COVID pandemic when many people are financially strained. Shame on Chase for attempting to price gouge! According to the call center supervisor and email, I have the right to reject these changes. However, rejecting these changes will force me to close the account which is not an option with a current balance. I am not happy with this change and I am speaking up on behalf of myself and other people who are subjected to these unfair terms and price gouging. The change of terms for my credit card was received on XX/XX/2021 by email. 

I feel the timing of the change in credit card terms that involve increase fees is inappropriate and unethical considering the current COVID pandemic. I feel this is price gauging. 

I filed a XXXX  complaint but Chase responded that it has the right to change the terms. I was not happy with this response as it felt like price gauging with disregard to the COVID pandemic. I notified Chase that I will proceed with a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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. (AL)

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Section2 : It also states a consumer reporting agency can not furnish an 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 2022-06-11
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: DISCOVER BANK (GA)

Complaint:
My son has been partaking in the after school program with XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX, Georgia during the second half of this school year. A couple weeks into his enrollment, he began describing incidents of XXXX XXXX  by other kids at the center that weren't being addressed by the staff. This eventually resulted in my son XXXX XXXX assaulted on the bus to this program and continued as XXXX XXXX  by other kids at the center itself. When I brought up these issues with the staff, I was met with hostility from the CEO and when I asked to just be refund refunded for the {$50.00} we had prepaid for the upcoming month of service that had not begun yet I was told they don't do refunds and was physically removed from the property. I disputed this charge with discover, as I made the payment with this card, but my claim has been denied based upon what is in my opinion an unfair policy. I hope to get this resolved as I do not feel it is right that I have paid for a service I never received and am unable to redeem at a different location.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
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:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies 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