hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BOEING EMPLOYEES CREDIT UNION (CA)

Complaint:
Boeing Employees Credit Union. I before application if the inquiry to XXXX would be " hard '' ( visible to other creditors ) or Soft ( visible to only consumer ). I was told all credit or XXXX inquires related to opening a checking account would be soft in nature. However, when I pulled my XXXX report I saw a hard inquiry date XX/XX/2021. Therefore their representative misinformed. I'm planning to file a police report to have the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Complaint:
I am writing to file a formal complaint regarding unauthorized inquiries that have appeared on my transunion credit report. I have recently discovered these inquiries, and after thorough investigation, I can confirm that I did not authorize any of the entities involved to access my credit information. 

I believe this issue is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only entities with a permissible purpose, such as creditors and lenders with whom I have an existing business relationship, are allowed to access my credit report. Unauthorized inquiries not only infringe upon my privacy but also have the potential to negatively impact my creditworthiness. 

Enclosed with this letter, you will find copies of my credit report indicating the unauthorized inquiries, as well as any supporting documentation I have collected during my investigation. I have also attached a list of the entities responsible for these inquiries, along with their contact information. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter and takes appropriate action to rectify the situation. Specifically, I request the following : A detailed investigation into each unauthorized inquiry, including verification of their legitimacy and purpose. 
If it is determined that these inquiries were indeed unauthorized, I request their immediate removal from my credit report. 
A written response from the Consumer Financial Protection Bureau with the findings of the investigation and any steps taken to address this matter. 
I appreciate your prompt attention to this complaint and trust that the Consumer Financial Protection Bureau will take the necessary actions to safeguard consumer rights and ensure the accuracy of credit reporting. 

Thank you for your 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 non-monetary relief
Consumer complaint received 2022-11-25
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. (CA)

Complaint:
On about between 2 years filed 20 times for target 5 % red card denied 20 times because of lack of credit. Equifax information service sent target credit report and did not send me one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
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. (TX)

Complaint:
N accordance with the Fair Credit Reporting act XXXX 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 instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
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. (MS)

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (GA)

Complaint:
XXXX XXXX did a identify theft report on me cause someone at the bank was using my name and social security number to open and close bank accounts

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 2023-06-22
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: JPMORGAN CHASE & CO. (CO)

Complaint:
Received a letter from Chase Card Services that application for a credit card was denied. However, I never applied for a credit card. If someone else applied using my name, why did I receive a denial in my name and at my home address? I phoned Chase and the representative advised Chase could not tell me who applied or the point of the application. I find this unsatisfactory because I need to determine if somehow someone has stolen my information to apply for credit in my name. Or, whether Chase is attempting to issue a credit account to me without my having initiated the application or given consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
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: EQUIFAX, INC. (GA)

Complaint:
I provided proof that the XXXX bill, XXXX/XXXX bill and XXXX that is on my credit was paid in full. I provided documentation. MY BK XXXX was denied and therefore the debt was no loner BK protected and I paid all of these debts in full. Yet, XXXX, Equifax and XXXX are still reporting BAD DEBT and Derogatory. I have been fighting for correct information for over a year, and would like these debts to be investigated thoroughly and do not exceed 30 days to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
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. (FL)

Complaint:
The listed company has used my credit report in violation of the F.C.R.A by reporting inaccurate information that has impacted my credit profile negatively. Ive disputed this account which resulted in the company removing the exact accounts from my credit profile reported by the other credit bureaus yet fails and refuses to remove the remaining reported accounts in direct relation to the accounts disputed and removed between XX/XX/XXXX- XX/XX/XXXX. I request as resolution that any accounts directly related to this listed account information be immediately deleted from my credit report. 

-Account info- Account name XXXX XXXX XXXX A so known as XXXX  XXXX  XXXX Account number XXXXXXXXXXXXXXX Account type XXXX  XXXX  O Individual Date opened XX/XX/XXXX Status Collection account. {$600.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment XXXX  halance A

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
I am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies ' actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. 
I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. 
FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( a ) ( 1 ) ( A ) ) The right to a reasonable investigation of disputed information ( Section 611 ( a ) ( 2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( a ) ( 6 ) ) The right to delete or modify inaccurate information ( Section 611 ( a ) ( 5 ) )

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 2022-07-26
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: EQUIFAX, INC. (TX)

Complaint:
FILE A DISPUTE XXXX XXXX XXXX XXXX XXXX The account is not in deferrement status. The account is closed/paid in full. 

Please correct comments. Please remove negative deferred comments. 

thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
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. (IN)

Complaint:
I have been disputing some errors and incorrect elements that are in my credit report since XX/XX/2021 and so far the credit bureaus have not given me an answer.

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 2018-07-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Counsel, Inc. (FL)

Complaint:
There is a company by the name of Credit Counsel , Inc. located XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX representatives name is XXXX XXXX. He has been sending me letters and calling me trying to collect a debt from " XXXX XXXX XXXX XXXX '' which I do not owe and after speaking to the XXXX XXXX XXXX corporate office they assured me this company does not represent them and that I do not owe them any money. I have attempted to have this XXXX XXXX understand that there is a mistake but all he does is threaten me with reporting to my credit and insult me calling me a liar and a fraud and that i'm going to pay for this. I have emailed him papers showing I don't owe them but he doesn't care. I have no idea who this guy is and i'm tired of him calling and harassing me its been going on since XXXX of this year and he claims I owe {$5000.00}.

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 2017-01-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivable Management Group, Inc. (GA) (FL)

Complaint:
I PULLED A COPY OF MY CREDIT REPORT AND LEARNED THAT RECEIVABLE MGMT GROUP HAD PLACED A COLLECTION ON MY CREDIT REPORT. I HAVE NEVER ENTERED INTO A CONTRACT WITH RECEIVABLE MGMT GROUP VERBALLY OR IN WRITING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (CA)

Complaint:
I received today this weird mail From XXXX XXXX XXXX about a citation committed in XXXX XXXX in XXXX. A speeding ticket for apparently speeding XXXX km More than tolerance level. The ticket is for XXXX 
This is ridiculous. I have done no such thing. This is XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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. (LA)

Complaint:
Hello, My name is XXXX XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new couch and these items wheny get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade Commission and I also have enclosed copies of the Federal Trade commissions identity Theft affidavit Please delete the items 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 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Complaint:
There are several inaccuracies being reported on this account throughout all the credit bureaus. 

I have attached my most recent credit report for your reference. 

Please correct this and remove from my credit file. 

Account status Date opened High Credit Date last reported Date last active XXXX is still showing payment history past date of last active, how?

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 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (FL)

Complaint:
We have been customers with Freedom Mortgage for 4.5 years -  XX/XX/2014 during that time we have never made a late payment on account number XXXX. That is until this year dated in XX/XX/XXXX. 

If you review my file history you will see I did in fact make payments on time for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The payment had gone up XXXX dollars in XX/XX/XXXX without my prior knowledge. Freedom mortgage took the payment that I have been accustomed to paying via bank draft as it does every month. Same as XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX I received the first notification from freedom mortgage stating my account was past due, confused and unaware of why it would be past due I contacted freedom immediately. It was on XX/XX/XXXX that I was made aware that my account was {$90.00} short ( {$30.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$30.00} XX/XX/XXXX ) and had already been reported to the credit bureau. On XX/XX/XXXX I also learned that the amount debited from my bank account had been placed in a reserve account with Freedom. NOT including XX/XX/XXXX, which freedom accepted. 

I travel for work and am only home 3-4 days a month had no idea that my XX/XX/XXXX payment was going to be placed in a separate account. Same as my XX/XX/XXXX payment. When looking at my bank account the funds had been accepted just like XX/XX/XXXX. I never once received any sort of notifications of this. 

According to my bank account information and payment history I have always made my payments on time. My credit has lowered 100 points  based on this {$90.00} Freedom mortgage did not provide ANY communication to me about the reserve account, the shortage, reporting to the credit bureau or give me an opportunity to resolve the issue. 

I contacted freedom mortgage on multiple occasions with no resolution to the issue Please advice how we can rectify this situation and remove the impact this has on my credit 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 2018-07-05
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (GA)

Complaint:
Over a period of several months/years, we, the mortgagors, requested, on multiple occasions, to deed the property in question back to mortgagee with zero success. 

In spite of our multiple conversations and letters to Wells Fargo Home Mortgage, they completely ignored our efforts to resolve this issue amicably with the threat and/or execution of foreclosure proceeding. 

Every effort on the mortgagors part to resolve this issue was ignored and, as a result, the mortgage was foreclosed on. 

Since the foreclosure, Wells Fargo Home Mortgage has submitted erroneous data to the 3 major credit bureaus with impunity.

For several years, Wells Fargo Home Mortgage continued to send out monthly mortgage statements ( XXXX thru XXXX ) even though the mortgage in question had been discharged in XXXX. In addition, they were also subsequently reimbursed for some of the 'discharged ' mortgage balance after the mortgage was foreclosed on.

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 2018-10-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

Complaint:
On XX/XX/XXXX I sent a dispute ( CFPB # XXXX ) to XXXX XXXX XXXX XXXX regarding 30 day lates reporting in error. The investigation took longer than the 30 days permitted by the FCRA. The investigation did not conclude until XX/XX/XXXX. 

The reporting by XXXX XXXX XXXX account # XXXX ( see attached Credit Report ) must be immediately deleted and permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Bankruptcy 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 2023-05-13
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. (RI)

Complaint:
Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX Balance : {$160000.00}

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 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

Complaint:
On XX/XX/2023, I got three emails saying my XXXX XXXX XXXX online account was changed by someone else. I couldn't log in and went to the bank the next day to reset my credentials, but they were stolen again. After another reset, I downloaded XXXX and found malicious credit accounts in my name. XXXX showed more unauthorized accounts. I think my SSN and ID were taken. My XXXX was hacked, losing {$300.00} to scammers. They kept making unauthorized transactions. I deactivated my XXXX XXXX XXXX cards. 
I reported it to Identifytheft.gov and the report record is attached here.

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