hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

Complaint:
On or about XX/XX/2022, I filed a valid dispute due to fraud activity on my banking account ending in XXXX XXXX XXXX XXXX XXXX USAA never contacted me for additional documents to support my claim. I have received multiple copies from USAA failing to credit my account after they overdrafted my account numerous times. I was not responsible for the transactions ; I was a victim of fraud and other family members. I filed a police report, and the detective XXXX investigated the allegations and found the person who stole used my information without my consent and permission. USA did not do their part and protect me, the consumer. I'm disappointed with how they treated fraud victims. I have the documents needed upon request. They even took my child support payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Williams & Fudge, Inc (TX)

Complaint:
I am a survivor of XXXX and XXXX  XXXX and I my XXXX coherst me into several private student loans to where he bought a XXXX, and another car for my son, and used for fixing up our house. The only way I could get peace was is I agreed to sign this loan. We divorced 4 years ago and I still am trying to rebuild and find relief from this marriage. The only way he agreed to get the divorce was he put XXXX and XXXX all over me and his choice was either jail or give me money so I could hire an attorney. 4 years later I am still seeking relief. 

I can not pay this loan because it is from XXXX  XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Complaint:
XXXX 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 a right to privacy. 

15 U.S.C section 604 A section 2 : 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 explanation
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Complaint:
XXXX XXXX and XXXX XXXXXXXX XXXX  XXXX are the same set of people acting as seller and lender, the operate in the same office and compound, they sold a land for {$47000.00} and the property was appraised for {$500.00}. They threaten me with my credit score and foreclosure when I reached out to them amicably.

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 2020-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (TX)

Complaint:
I made N agreement with us bank card like all other creditors that I was unemployed and I need help and they agreed to allow me to skip the payments of my card till XXXX starting in XXXX and resume on XX/XX/XXXX and they removed all late, so what they did is they diminished my credit limit to a minimum to force the card to be maxed out of limit and when I called them they said that now, that they agreed to remove all late fees but that they never agreed to allow me to skip those 2 months, there for I lose and my credit rating will drop cause it shows one card account that is maxed out when I was under 50 % on my credit line

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 2020-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Square Inc (CO)

Complaint:
I have a cash app card provided by XXXX XXXX. I went out of town and lost my cash app card and the next day there were fraudulent charges totaling {$2100.00}. I contacted the company they took forever to respond to me they had no live agent help over email and XXXX  they were extremely negligent and not helpful at all. I explained the situation and what occurred and they had no response to anything I explained they simply just denied my claim and said that the card had been used and the PIN was entered. They don't know that my tablet was also in my bag that had my card and that most of my financial information is listed there. Regardless they showed that they could care less responded late and very vague and never addressed anything I sent them simply all they did was ask me a few questions and I responded and that was it I felt like I was talking to a robot everything that I mentioned that did not have to do with the questions they asked was disregarded and ignored. The fraudulent charges all occurred on the XXXX of XXXX. The first one was for {$970.00} followed by another charge for {$53.00}, and {$400.00} and {$87.00} and {$54.00} and {$580.00}. The company told me the decision is filed and pretty much has not offered any live support and ignored all my emails and never responds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-07-06
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:
This is my 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block the items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX, XXXX XXXX XXXX : {$3600.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2300.00}, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04
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. (PA)

Complaint:
I submitted disputes and an FTC report for the following fraudulent accounts. They have not been deleted. 

XXXX : XXXX {$330.00} XXXX XXXX {$10000.00} XXXX  : XXXX {$3200.00} XXXX {$330.00} XXXX XXXX  XXXX XXXX {$1200.00} XXXX XXXX {$10000.00} Experian : XXXX {$3200.00} XXXX XXXX  XXXX XXXX {$1200.00} XXXX {$210.00}

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 non-monetary relief
Consumer complaint received 2020-02-04
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. (NV)

Complaint:
I reviewed a copy of my credit report and the following ran an unauthorized credit inquiry on me on the following dates I have been a victim of Fraud and per FCRA Experian should be reporting my information accurate : Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. I need these fraudulent inquires removed from my credit 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 non-monetary relief
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Complaint:
In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ( Inquiry ) XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX  XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX  XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX  XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX  XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX  XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) 15 USC 1681 Section 602 A. States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 7 years.

15 USC 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 non-monetary relief
Consumer complaint received 2022-11-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Complaint:
On XX/XX/2022, I sent a letter to the courthouse with tracking number # XXXX, asking do they report bankruptcies to the credit bureaus, and I received a letter stating that they do not report any bankruptcies to anybody. So, if thats the case, how did the credit buraus verify my bankruptcy as XXXX XXXX accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to 15 U.S.C. 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-05-06
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: Experian Information Solutions Inc. (SC)

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

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 2023-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-10-04
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. (CA)

Complaint:
I sent a XXXX letter last XXXX XXXX, 2022, however, I did not receive any responses from you. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) requires the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reported accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX  DA XXXX Balance : {$940.00} ; XXXXXXXX XXXX  DA XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (OH)

Complaint:
I checked my credit card that Ive had since I was XXXX and it gives me free credit updates. It shows there were XXXX credit checks that I did not authorize. 

XX/XX/XXXX from XXXX for XXXX XXXX XXXX  XX/XX/XXXX from Experian for The 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 explanation
Consumer complaint received 2017-06-15
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Complaint:
XXXX   XXXX  I was th e victim of identity theft / credit card fraud. I pay for the identity theft and monitoring service through USAA as well and followed all directions provided as well as all requested from USAA ban k. Provisional credits were issued on both my affected credit cards and checking account.     However, on  XXXX  card the charges were charged back to me, only to be credited back yet again. At which time  USAA  sent documentation that all credits were permanent. However, a year later in  XXXX   XXXX  without notice, explanation, or even contacting me to t ell me USAA  decided to charge back only  XXXX  of my affected credit card accounts for the finalized fraud/billing dispute a year prior. This is in violation  of Paragraph 13 ( c ) ( 2 ) of Subpart B 1026.13 ( c ) ( 1 ) Effective D ate :  XXXX / XXXX / XXXX  of Regulation Z.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Complaint:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX XXXX {$100.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$70.00} XXXX XXXX {$660.00} XXXX XXXX {$490.00} XXXX XXXX XXXX {$4000.00}

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 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (IA)

Complaint:
XX/XX/XXXX, a false report showed up on my account under the company name of " Syncb ''. The details included in said claim falsely reported that I had a credit card open with this " bank ''. I've never opened a credit card account with any bank, so as one would assume, this came as a shock to me. I did some research on this company. Coming to find out that I've not been the only person to have this issue with the same company party reporting false claims on the credit reports of other people. On XX/XX/XXXX, I finally contacted the CFPB by telephone and left my contact information with them after explaining that I'm looking to have the claim removed. I then took the initiative to file my complaint online, after it being explained to me as the quickest way to have the claim disputed.

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 2023-08-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
Bank of America has been charging fees after the account goes overdraft for every transaction even when is one dollar I get charge {$35.00}

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 2023-04-23
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. (FL)

Complaint:
Unauthorized hard inquiries i do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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: Fidelity National Information Services, Inc. (FNIS) (LA)

Complaint:
remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/2021 off my report with monetary relief for damaging my score and getting denied opening bank account

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