hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-03-30
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:
I sent letters to Experian, XXXX XXXX XXXX XXXX and I still haven't received anything back. I am in the process of purchasing a house and this damaging information is interrupting the process. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX They have 30 days to respond to my disputes. This is a violation of my rights. I contacted all accounts listed below and requested for the original contract from creditors. 

I received no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off reports. Also accounts are incorrect and are displaying balances when they should be XXXX If accounts are supposed to be closed. 
Of which is a violation.Please reinvestigate accounts below and delete this incorrect information or accounts from my corresponding reports. 

Since no response was received all accounts should be deleted Immediately. 

Accounts that need to be investigated and deleted promptly : 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- Inquiry I didn't authorize XXXX XXXX XXXX XXXX XXXX Inquiry I didn't authorize XXXX. XXXX XXXX XXXX Inquiry I didn't authorize. 

Also ONLY thing that should be present on my credit report when it comes to my personal information is the following correct information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Employment : None Violations are below : 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 1681 ( b ) Permissible purposes of consumer reports. 
Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

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. 


If any of the purposes are not present please investigate and delete from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
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. (IL)

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 2021-08-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (FL)

Complaint:
XX/XX/11 XXXX charge was placed on my account without permission and XXXX advised the item was delivered however upon checking nothing was received and the neighbor advised someone stole the package. I filed police report for theft and sent the information to bluebird along with correspondence from the merchant XXXX and the form bluebird requested me to complete. I received an email stating my claim was denied and contact them for clarification WHY they continuously hangup on the line and provide Zero details finally I spoke with someone to reopen the dispute however they are refusing to send the corrected form stating I need to wait 10 business days and if I can't '' is should bank some where else '' i keep demanding my refund and the reps keeps hang up, This company continuously keep blocking my card and removing between XXXX to XXXX cents without permission stealing money from their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (SC)

Complaint:
On XX/XX/XXXX, I paid off my balance of {$5200.00}. The merchant cancelled the transaction and refunded my money. This credit balance was sitting in my account and I called to get refunded. I was told that the refund request will have to be approved. I couldnt understand why my request would need to be approved. Its my money. I called again And was told the same thing. I insisted on talking to a manager. I was told by the manager that he would escalate the request. The balance, as of XX/XX/XXXX, is {$0.00}. Today is XX/XX/XXXX and I still do not have my money. In the meantime, they are profiting off my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-12
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. (GA)

Complaint:
XXXX XXXX XXXX has two collections on my file for the same item. I disputed it and not only is it still there..but they changed all the dates and balances. DOES ANYONE EVEN CHECK THESE DISPUTE RESULTS? XXXX XXXX account number XXXX was listed as a high credit of {$750.00} and a balance of {$750.00}. I disputed that this was the same account as their account number XXXX that showed a balance of {$5400.00}. 

The {$750.00} was the monthly rental on that property. Instead of removing the {$750.00}, they changed the balance to {$5400.00} so that NOW IT IS LISTED TWICE. So you have a high credit of {$750.00} and a balance of {$5400.00}????? And a high credit of {$5400.00} on the other with a balance of {$5400.00} ... .to add to this the open date is XX/XX/XXXX with the last activity date XX/XX/XXXX ( SEVEN MONTHS BEFORE IT WAS OPENED ) on one and last activity of XX/XX/XXXX on the other. 

It is as if someone is just throwing numbers at the credit bureau and the bureau lists it no matter how ludicrous the numbers are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MD)

Complaint:
I have had my Citi card for over 5 years and have never had a late payment of 30 days or more. In fact, i have never had any of my bills go 30 days late, this is verified on my credit report. My current credit utilization is at an all time high as I am attempting to sell a house and the costs associated with this process have gone well over budget. I was planning the purchase of a lawn mower so on XX/XX/2023, I paid {$600.00} on my Citi card to free up the funds and earn the double cash back rewards. The very next day, XX/XX/2023, after I paid the money, Citi decreased my Credit limit from, i believe {$800.00} down to {$300.00}, citing random credit checks to deem worthiness. They sent an email that I did not see and was left looking extremely embarrassed at the register in front of a store full of people. The first time I called, i thought I was being transferred to someone who could help me. Instead I found myself on talking to someone from XXXX who was as confused as I was. I called back, only to be screamed at and then hung up on by a Citi customer service rep. The third time I called, I was finally able to get to a supervisor who was unapologetic and cited fine print in the card agreement. I simply find the timing of all this extremely suspicious. They randomly pulled my credit file as soon as I paid {$600.00}? Then, with no warning at all, drop my credit limit and send an email that was buried amongst many in my inbox. Had they been waiting to decrease my limit for some time now but couldn't as it would put me over my limit through no fault of my own? This practice appears very unscrupulous. My credit has been impacted by identity theft with accounts and hard inquiries being opened in my name, in addition to the aforementioned credit usage to sell a house. They were apathetic and unsympathetic to my situation, so I am filing a complaint and requesting a review of the handling of my account. I appreciate any and all assistance in this matter.

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 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Complaint:
Rash Curtis and Associates has falsely reported information to the credit bureau. After deletion, reported to a different bureau with a different amount and have reaged the account as well. Disgusting! After speaking with them several times and explaining to them that there is no way I have any relation to this, also asking for proof, they have not removed it. They ask questions to try and add legitimacy to false claims. How can they be allowed to falsely report, delete, report again, pad, and reage?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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: Experian Information Solutions Inc. (DE)

Complaint:
XXXX XXXX XXXX mark my account current on my report for XX/XX/XXXX and once I made my XXXX payment they lodged or went back and changed an on time payment to 30 day late but make my XXXX Payment on time. I reach out to each to each credit bureau with my dispute and the company verified this lateness as accurate. 
The company never once reach out to me via phone or mail stating my account was late now in jeopardy of being late. I contact this credit card services before any lateness was ever entered and informed them I am not being informed of any mail or alerts regarding my account. The representative stated that my account was caught and there was no lateness involved with my account. I have proof of this with my statements and I submitted these statements as evidence to the reporting agencies in questions only to be told the card provider states that what they report is accurate when evidence was provided. The credit reporting agency mark it current for the month of XX/XX/XXXX but in XX/XX/XXXX the card provider when back and changed a current payment into a 30 day lateness. They have violated the FCRA and the credit reporting agency was just as guilty when they removed an on time payment two months later to reflect a previous payment on time to a 30 day lateness.

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 2022-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (MD)

Complaint:
Money taken from checking with a fraudulent information. Open PayPal and transfer money to another person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
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: Nelnet, Inc. (NY)

Complaint:
please help me against my consumer rights being violated as the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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. (VA)

Complaint:
There is incorrect information on my credit report that is negatively affecting my credit, request all inaccurate information be removed.

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 2021-03-11
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: CBC Companies, Inc. (MI)

Complaint:
On XX/XX/21 hard inquiry was posted on XXXX XXXX, what inquiry was for and who made this inquiry is unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
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. (NJ)

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the Equifax data breach and this may be the way my information got into the wrong hands

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you  are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, Please remove the following Phone numbers : ( 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 explanation
Consumer complaint received 2023-04-10
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: FIRST NATIONAL BANK OF OMAHA (MI)

Complaint:
XX/XX/ submitted a XXXX two police report to the credit bureaus on XX/XX/XXXX it was removed then reinserted shortly after.. The Company FNB Omaha verified saying this is my account ( # XXXX ) for the amount of {$19000.00} ) its not mine! I also disputed it 2 times.. 

I have a Police and FTC report XXXX deleted it, XXXX and XXXX still show it I have been passed back and forth between the credit bureaus and FNB Omaha each of them blame the other this is very frustrating thanks for your 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 explanation
Consumer complaint received 2019-08-28
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. (SC)

Complaint:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2018-09-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NE)

Complaint:
I borrowed $ XXXX, I have already paid $ XXXX however my balance is stil {$29000.00}. 

I never received amortization chart and I never received the complete payment history I asked for. 

I feel this was predatory lending and I want to sue them. This should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Complaint:
I filed a complaint with the CFPB and the creditor of the account responded stating that my student loan accounts with XXXX loan sequence 1-5 were removed from all of my credit reports with each agency. Unfortunately this was not accurate as Equifax and XXXX are still reporting these items on my credit reports with their bureaus. I disputed the items multiple times to no avail. The credit agencies are stating that they verified the accounts while the creditor has stated that the items have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (IL)

Complaint:
Hello, I was a customer with discover financial services. I believed my bill to be paid in full. Unbeknownst to me, there was a recurring charge that hit the credit card and went unpaid for 2 months. Discover Financial was sending electronic statements to my email which is inundated with junk mail but did not attempt to contact me otherwise. After the second missed payment, the company reported a negative report to the credit bureaus. I attempted to discuss with management in customers service that this was an oversight and requested a good will adjustment for first offense and the company refused. I believe this is punitive to consumers. This in no way is a reflection of my payment ability or my credit worthiness. I believe there should be some investigation into the practices around paperless billing especially given that consumers are becoming more and more overwhelmed with email campaigns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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. (TX)

Complaint:
I am writing to dispute the account XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? You obviously are reporting the wrong balance and I have sent my original documentation to proof to you that the balance is incorrect. Under the laws of the FCRA I know that I have reason to sue you for many violations. I enclose copies of my requests asking to validate or remove this account. The letter is dated, and time stamped so there is no way to lie during court. I will be filing a statement of claim if this account is not removed. Stop reporting this information on my credit report for failure to legally verify.

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