hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-03-09
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. (OH)

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR CXXXX 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

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 2023-07-11
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. (MN)

Complaint:
I received a letter from XXXX XXXX Notice of Data Breach. My personal information was compromised. I am a victim of identity theft. Someone opened a fraudulent XXXXXXXX XXXX Account using my personal information and identity. I never applied for any loan or account with XXXX XXXX XXXX. The XXXX Account is a fraudulent account and not my account. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : 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 2023-04-04
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: EQUIFAX, INC. (IL)

Complaint:
Consider this as my follow-up attempt to ensure that these items are removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XX/XX/ Ive already included this in my previous Complaint # & I am including it again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

Complaint:
Someone found my lost banking info and tried depositing a fake check into my account in 2017. I contacted the bank and also the XXXX XXXX XXXX. Im fed up at this point. I cant open bank accounts nowhere and its frustrating. I need this to be deleted from my credit profile. Bank of America still cant give me solid evidence of this action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Prosper Marketplace, Inc. (AR)

Complaint:
Well, the process has been tremendously overwhelming to me as well as my daughter. This has been a 19-year process that has been devastated to me in resolving these issues with my identity as well as my daughter. It started when I worked for International Paper Mill when my daughter 's SSN number became my SSN number after being laid off for a week in the year of XXXX. Her SSN number became mine in the credit bureaus, which has been an ongoing problem with credit, taxes, and other related matters to my credit and taxes through all banks and credit reporting agencies. I have filed so many complaints with CFPB as you all probably can see. In the year of XXXX, there was a pre-approved letter stating to apply for a loan through Prosper MarketPlace, after making a call to the company about that it would not take my SSN the representative input the SSN because it would not take my SSN. After making payments for several months I got suspicious about the activity of the account because of the way it was set up on their end, so I thought I would apply because of the nature of the suspicious activity of the account that when I found out in the year of XXXX that I did not have an account in XX/XX/XXXX with Prosper MarketPlace.That when the fight began it was put on my credit report knowing it was not my SSN that Prosper had used to create this account.I filed a complaint against Prosper in the year XXXX through CFPB, as you can see there is no signature on documents from Prosper, which this picture was taken on XX/XX/XXXX, which the loan was generated in XX/XX/XXXX. Each credit report has denied that the information was not put on my credit report which it was put on my credit report knowingly that it was not my account as reported by Prosper Marketplace.I will be downloading documents from each credit bureau that it was put on my credit report.I even filed a complaint with the Arkansas Consumer Protection Bureau as well but never got an answer from the Arkansas Financial Protection Bureau in the year of XXXX it was filed through the Attorney General Office in that year of XXXX. If you would look at the two that are filed with you all on XX/XX/XXXX, you could see what was filed in this matter, with no response from the Arkansas Consumer Protection Bureau. On this day of XX/XX/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 explanation
Consumer complaint received 2018-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Complaint:
( XX/XX/2018 ) I called XXXX this morning to rectify the problem and I got disrespected, insulted, the customer service reps said things like " I don't care '' or they would keep hanging up in my face like little kids instead of addressing the problems. XXXX will print out anything from their computer and claim it as being true when in actuality its a lie, glitch or error. XXXX kept hanging up in my face while saying " Why do you keep calling in? '' I answered " Because you keep hanging up in my face ''. Lastly I spoke with a XXXX representative that refused to give me his name, he said he was from the XXXX branch within XXXX, He identified himself as " XXXX '' which I thought was very strange. The guy preceded to insult me and speak to me with a condescending attitude. The XXXX rep behaved like a child, repeatedly hanging up in my face and joking around on the phone, finally instead of addressing the problem the XXXX rep said He was calling the police on me for harassing and threatening him. He also said he would do everything in his power to keep reporting negative fraudulent things into my credit reports. After he threatened to have me arrested for calling about my problem I knew XXXX was/Is a criminal enterprise! Why does the US Dept. of Education do business with fraudulent criminals? I went to the XXXX police department to check and see if XXXX filed a false police report against me and they said that XXXX could not do that and they wouldn't take a police report on that if they did. XXXX does illegal things when dealing with students/customers and I would like something done about it.

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 2018-08-26
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. (IL)

Complaint:
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX all was ask to remove inquiries. Called multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NJ)

Complaint:
In  XXXX    XXXX  , we obtained a mortgage loan through t he Citibank Mortg age. The mortgage account has a promotional offer attached. We expected that a cash bonus equivalent to the first mortgage payment, up to {$2500.00} would be deposited to my linke d Citibank checking  account within 90 days of the end of the statement period advertised as lo ng as the requirements are met. We carefully followed the instructions from the advertisement and has met all the requirements by 1 ) obtaining a new home purchase mortgage loan from Citibank, 2 ) opening a personal regular checking account in the Citigold Account Package, and 3 ) signing up monthly debit of the ortgagement but nothing happened. No fund was ever deposited to my account. We contacted the company for the next few years, but every time they said they put it on note and would investigate but we never received any response. Here is the case number   XXXX   and one of customer service representative IDs :  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 2022-05-13
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. (CA)

Complaint:
in accordance with the fair credit reporting act Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confindentially under 15 usc 1681 according to the 15 U.S.C 1681 section 602A I Have the right to privacy these adresses and names do not belond on my credit report Experian : XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXXXXXX XXXX XXXXXXXX ca XXXX XXXX : XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca 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 2023-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
On or about XX/XX/XXXX I received a letter dated XX/XX/XXXX from Bank of America ( unsigned ) stating that beginning XX/XX/XXXX " the {$16.00} monthly fee for your Business Economy checking account will no longer be automatically waived. '' It then goes on to describe ways to avoid the automatic fee which involving keeping certain minimum amounts of money in the account. 

This constitutes both breach of contract and fraud at all times for the following reasons : 1 ) My business checking account was opened in XXXX, XXXX. When I opened said business account 25 years ago, there were no monthly fees ; my contract with Bank of America was for a no fee business account. Had there been fees then, or on the horizon, I never would have opened the account with them. 

2 ) The statement concerning the {$16.00} monthly fee no longer being waived is extremely misleading. It insinuates there was a fee that was waived, which in my case would have been for the past 25 years. In fact, this was a no monthly fee account at the time of its establishment. In that there was never a monthly fee charged, there was nothing to be waived. 

I met with XXXX XXXX XXXX at the Bank of America on XXXX XXXX XXXX at XXXX today, XX/XX/XXXX, in XXXX XXXX and asked that my account continue to be one of no monthly fees as contracted for in the first place. She stated that there was nothing she could do because she received a letter from Bank of America officials stating they now want to charge fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Complaint:
I have tried every 60 days sending letters to credit bureaus to update information correctly because its reporting wrong on the bureaus. Last time I spoke with XXXX XXXX  was XX/XX/XXXX. This acct has not been updated and last update was on XX/XX/XXXX showing a balance of XXXX which is incorrect payment have been made each month.

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 2022-12-06
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. (CA)

Complaint:
I HAVENT RECIEVED A RESPONSE FROM EQUIFAX AND IVE SUBMITTED A DISPUTE OVER 30 DAYS AGO THIS IS A VIOLATION OF THE FCRA, EQUIFAX IS NOT UPHOLDING THE LAW AND SHOULD BE HELD ACCOUNTABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (FL)

Complaint:
I received a debit card from Chase on XX/XX/XXXX of which was for a checking account at chase that ended in XXXX. I do not and have never opened a checking account at Chase Bank. I called the bank on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX after waiting both times for over 45 minutes was told that I had to speak to the Fraud Department and they were closed. On XX/XX/XXXX i waited for an hour for a representative and when they answered they disconnected me. I proceeded to call back and waited another 50 minutes when a gentleman answered named XXXX who verified that there was a checking account opened for 35 days with a XXXX balance, the account was opened online and verified that all of the information was mine with the exception of the telephone number was an XXXX number which should have been a RED FLAG. He proceeded to send me to the Fraud Department where a lady named XXXX informed me that she had to send me to the Identity Theft Department. A XXXX from the Identity Theft department informed me that she was going to mail me a document to sign and I needed to mail copies of my Drivers License and another form of ID along with my SS card, They already obtained and confirmed my information with me and I still have not received anything from them. I feel that the bank did not do a proper XXXX due diligence when this fraudulent account was opened and they also ran my credit as I checked my credit report and it is on there. The debit card number is XXXX XXXX XXXX XXXX. I asked for the Chase staffs full names and they all stated that they were only allowed to provide their first name.. It was never confirmed that this fraudulent account was closed and that the debit card was closed out too. This is the worst bank as they opened an account and didn't do the proper due diligence and to know that now someone out there has all my information and was able to open an account is very disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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: Experian Information Solutions Inc. (WA)

Complaint:
Two years ago I filed a dispute with Experian regarding a vehicle that I had given back to the lender due to my spouse losing his income. Even though I disputed it, Experian allowed XXXX XXXX to keep reporting the vehicle as a bad debt for five full years. Recently, I received a cashiers check along with a letter of apology from XXXX XXXX for their error. Experian still refuses to remove the offending account from my credit report. 
To add insult to injury, I noticed that when I applied for a loan with my credit union, that Experian has several different credit scores for each consumer ; one for us to see, that, in my case, shows XXXX, but the one they gave my credit union was XXXX? I went to their site to try to ascertain what the issue is and was forced to pay for the privilege. They charged me {$10.00} on XX/XX/2020, then they charged me {$5.00} on XX/XX/2020 and finally they charged me {$16.00} on XX/XX/2020. When I called to find out why all the charges, I was informed that consumers need to pay EACH time they want to look at all the scores Experian has for them. It is time that the Federal Government reign in these PRIVATE organizations that have so much control over our financial lives.

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 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

Complaint:
ALL XXXX " CRA '' FAIL TO SEND UPDATE REPORT UPON WRITEN REQUEST SENT OVER 45 DAYS AND STILL HAVE NOT RECEIVED REPORTS AND RAPID RE-SCORE

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 2022-09-01
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. (IL)

Complaint:
XXXX is the name of the company that my auto loan is through ; after contacting the company with questions about my contract, I realized that they are a collections agency. My original loan amount was reported in XX/XX/2022 and by XX/XX/2022, even though I have paid on time every month, my loan amount has INCREASED rather than decreased. This is being reported to the credit bureaus and lowering my credit score. Please help.

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 2022-08-20
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:
n accordance with the Fair Credit Reporting Act XXXX 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 instruction.

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 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022 and XX/XX/2022 2022

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 2023-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX 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

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 2020-06-14
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. (GA)

Complaint:
There is a financial account on my credit I know is a mistake. It is from a company called XXXX XXXX. After doing a search for it on online, it appears to be an insurance company. I have never heard of them before. This account is not mine and I would like it removed from my credit report.

Company response to consumer: Closed with explanation