hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (PA)

Complaint:
Can u please delete the XXXX  " Duplocate hard inquiries ''. I know nothing about this second new inquiry at all. As i will provide documentation of the duplicate inquiries. 

I also froze my accounts with fraud alerts and reported to the FTC for further security & Investigation measures. This was improper use of my credit report of hard inquiries that i am unaware of and did not authorize. 

I was notified by XXXX XXXX XXXX XXXX app thats someone accessed my info. I also filed a FTC Report. Any company is supposed to contact me before hand regardless if an attempt is made to try anythi g on my report. U will also see i included that on my reports and in this report as well. 

The 2 Hard Inquiries was only supposed to be 1 Hard inquiry & 1 Soft pull. Its only for XXXX XXXX XXXX XXXX I have. I even have freezes and fraud alerts on there and not sure how it still got on there. 

As i will show u documentation that it was blocked originally. Experian is blaming the creditor, the creditor is blaming Experian and I been getting the run around. XXXX XXXX said on their end they only see 1 " Hard Inquiry '' which obviously isn't the case. 

Experian finally they told me it would be deleted in the next 24-72hrs but yet its still on my report. Duplicate Hard Inquiries : XXXX XXXX XXXX XXXX  ) can somebody please help me for somerhing that should be so simple to be corrected.

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 2023-03-17
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. (NY)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX  days. 

XXXX XXXX XXXXcount # XXXX Bal : {$1300.00}

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 2020-04-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Complaint:
See attatched CREDIT CARD LETTER dated XX/XX/XXXX CONFIRMS FRAUD CLAIM date XX/XX/XXXX OF {$470.00} See attatched USAA statement XX/XX/XXXX. Note at the bottom of the page XXXX XXXX CREDIT - {$120.00}. The balance ( AFTER XXXX XXXX WAS CREDITED IS {$470.00}. ) XXXX PROOF XXXX XXXX {$120.00} WAS NOT REPORTED FRAUD BY ME XX/XX/XXXX. USAA HAS LIED FOR TWO YEARS SLANDERING MY NAME CALLING ME A CRIMINAL TO CRAs Reporting I REPORTED FRAUD ON RETURNED GOODS. XXXX XXXX. XX/XX/XXXX. {$120.00}. THIS DESTROYED MY CREDIT AND IS A LIE. I DID NOT REPORT {$470.00} & {$120.00} FRAUD. I ONLY REPORTED THE BALANCE. TRANSACTIONS. AFTER XXXX XXXX WAS SUBTRACTED {$470.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

Complaint:
Remove All Fraudulent Accounts Immediately

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 2022-08-03
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: EQUIFAX, INC. (TX)

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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. I have never give any written instructions or consent to have my information published publicly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Complaint:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that 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. 
Please remove these erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$4800.00} XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

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 2020-01-21
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. (NY)

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2023-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (SC)

Complaint:
I went to a XXXX timeshare meeting that was supposed to last two hours but I was there for XXXX XXXX. My fianc and I were very adamant about not wanting a credit card and not wanting to purchase a timeshare due the cost but everyone there was so persistent. We refused to give our social at first and questioned why it was needed and we were told that it was to get the best deal. After turning the sales rep down, we were pushed off to another person to try and get us to buy and again we expressed that it was not in our budget and we did not want to apply for anything. We left that meeting thinking that we declined everything. I later received a letter that a credit card was opened in my name with a card limit of {$4200.00}. A physical card was never sent. It dropped my credit XXXX points for opening an account that I never requested to be open in the firs place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Complaint:
Today, XXXX XXXX XXXX XXXX XXXX somebody attempted to open an online banking account with Bank of America in my name. I learned of this through XXXX emails from XXXX XXXX XXXX XXXX ) welcoming me to online banking XXXX ) notifying me that my account had been denied and XXXX ) asking me to update my email. Over the phone at approximately XXXX XXXX, a representative of the BoA check fraud department notified me that my ssn had indeed been used in an online banking application.

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 2023-01-17
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: Chime Financial Inc (FL)

Complaint:
I filed disputes because my Chime card was declining on merchants end but I was still get posted charges for the transactions. I had to pay for the transactions by other means. On XX/XX/2023, Chime closed my account said I violated policies set in the terms and conditions. I didn't violate any policy because per the policies in an event like this, we're supposed to dispute and provide documentation and that's exactly what I did. Now my account is closed and whenever I'm calling, I'm being placed on hold and told I can't get my money until 30 days from now. I'm a single mother and the money in the account was all I have until I get my taxes back in XXXX. I'm now left with no means to pay any of my bills for next month, my kids schooling or even providing food for them. No one is trying to help me. I just want the account reopened or my money by the end of this week, in no way will I wait until another month to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

Complaint:
On XX/XX/23 at XXXX I received an email that a Citizens Access, Checking account was opened in my name at the Citizens Bank XXXX This account was opened without my knowledge and consent. An initial deposit of {$1.00} was made from account ending XXXX. After calling Citizens Bank, I was told that the account address is in Florida. I do not live in Florida. Citizens Bank has agreed to immediately close the account and report to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
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. (GA)

Complaint:
XX/XX/2018 I contacted TransUnion via Certified Mail in efforts to resolve inaccuracies on my credit profile. Majority of the accounts that were disputed are still on my credit profile. These are fraudulent accounts. I requested that the agency validate the accounts and furnish the data to me that validated that the accounts are indeed mines. 

The company failed to furnish data validating that the accounts were mines, and the disputes were submitted beyond 30 days ago.

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 2022-09-23
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: EQUIFAX, INC. (GA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
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. (NY)

Complaint:
Investigation did not fix error on my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

Complaint:
Good Afternoon. After the complaint placed on XXXX and many phone calls and being on hold today for 2 and half hours with Fed Loan, I have decided to do another complaint. So Fed Loan did upgraded my account to 96 counted payments, but omitted payments that were made on XXXX and XXXX! When I contacted Fed Loan and Spoke to XXXX ID # XXXX she stated that XXXX ( XXXX XXXX XXXX ) is responsible for the miscounted and erroneous information! On XX/XX/XXXX at exactly XXXX p.m., I received a call from XXXX length of call `12 minutes and 14 secs from Fed Loan " specialist ''. The lady was clueless and kept blaming XXXX. Both of the workers from Fed Loan who are labeled as specialist blamed XXXX and stated that my payments, files and information will be send to XXXX for " Payment Count Review '' ... XXXX XXXX also stated that there was a " Payment Count Review '' placed on XX/XX/XXXX! Mind you, I spoke to the Loan Specialist On Monday, XX/XX/XXXX ( so she took ONE WEEK ) to forward the information to XXXX to review counts. Today is XXXX XXXX and NOTHING has been done! I received the same response, We will send information to XXXX for " count review '' ... .Mind you the newly consolidated loans that I have been screenshooting photos of in XXXX are being fully counted and FORGIVEN!!! Why there is not lack of due process is beyond my understanding. To make matter worse, I also received an email on Thursday XXXX XXXX about FED Loan transferring my loans to XXXX XXXX They have time to email, but can't basically count correctly! On a positive note, my counts went up to 94 payments, but unfortunately year XXXX and XXXX were skipped! How does this happens? I do not know, but I want this address. I have been with FED Loan under their consolidation for years and it infuriates me to see newly consolidated loans being forgiven and my account continues to be handle poorly!!! j

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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. (NJ)

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  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 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Complaint:
MY STUDENT LOANS WERE CONSOLIDATED IN XXXX  BY XXXX. XXXX XXXX RECEIVED PAYMENT FROM XXXX ONXX/XX/XXXXI AM CURRENTLY UNDER AN INCOMEBASE PROGRAM WITH XXXX DOLLAR PAYMENTS. XXXX IS STILL SHOWING ACCOUNT AS ACTIVE AND ACCURING INTEREST MAKING THE BALANCE HIGHER - COULD NOT GIVE ME THE BALANCE IN WHICH THEY ARE BASING INTEREST WHEN LOAN WAS PAID UPON CONSOLIDATION. SPOKE TO 3 DIFFERENT REPRESENTATIVES, ALL HAD A DIFFERENT STORY. THEY REFUSE TO GIVE ME MY PERSONAL DOCUMENTS. SOME REPS WERE RUDE AND GAVE FALSE INFORMATION. THEY ARE NOT ACCURATELY REPORTING MY STATUS WHICH HAS HAD A SIGNIFICANT IMPACT ON MY CREDIT AND SCORE. THIS WAS DONE 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 2021-02-02
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: OneMain Finance Corporation (IL)

Complaint:
Upon losing my wallet in XXXX that contained my social security card, ID, cash, a few checks and a host of cards I filled a police report XX/XX/XXXX with XXXX police department just in case. It wasnt until my wife and I decided to look at our credit for a future investment in XXXX when I saw a loan from One main being reported in XXXX. I contacted the creditor in hopes of fixing this issue multiple times. I have been going back and forward with them providing police reports, proof of my current AND prior lease showing I stayed more than a hour away, proof from the IRS that also showed that the person tried to file taxes under my name that year fraudulently that I now require pin protection on my taxes from that particular identity theft, and attempted to send information about my bank account being closed due to fraud as well because of payments coming out from unidentifiable places in which the BANK noticed. However no proof is good enough for this company and now it has been MONTHS with no resolution. They ask me to provide something and once I provide that proof they ask for something different in a continuous loop in hopes to make me pay for something I did not do. Even my police report wasnt good enough because it didnt say One main fraud loan. Well of course it dont because I filled the report when I noticed my wallet was missing proactively, I didnt think something would have days ; weeks ; and months later! I checked my credit in XXXX after the irs thing happened to check if anything else occured and nothing else at the time happened so I thought I was in the clear. Well they actually asked me to go get another police report that said that ( I did, still they came up with something else to request ). Again this happened in XXXX when I lost my wallet, I caught this fraud account in XXXX. I now literally call multiple times a week to try to see how the process is going and what more I can do to prove this was not me and now its becoming more of a hassle. I just want to finally move forward from this seeing that this is the last fraudulent thing Ive caught from that guy and they are making it impossible. The last thing I want to do is pay it but after all this headache I asked how can I just settle out on whatever the balance is. They gave me an email to write and the person doesnt respond half the time. This company is horrible!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (AZ)

Complaint:
XX/XX/2018 I opened checking & savings accounts under a {$400.00} new account bonus offer and then transferred the required funds in ( see Bonus Screen attachment ) XX/XX/2018 I started an online chat with CitiBank to ask about the bonus and was told the bonus would be applied by " XX/XX/2018 '' ( see Chat attachment ) XX/XX/2018 I  called to ask about it and was told a " promotion dispute '' Reference # XXXX would be opened and I'd hear something within 10 days. 
XX/XX/2018 Still no bonus so I called again and asked for a supervisor. I was transferred to XXXX who said he would escalate the issue. 
XX/XX/2018 No updates from CitiBank or bonus paid so I called again and asked for a supervisor. XXXX picked up on the supervisor line, told me there was nothing saying when the bonus would be paid and that the bonus team did not answer when he tried to contact them. I told him I would be filing a CFPB complaint so asked if he would put a note in the file so they can prepare a response.

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 2017-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

Complaint:
This is the second emailed letter to Navient asking for their review and assistance. I recently requested the paperwork showing my signature for the loan consolidation only to show that it was electronically signed ( paper copy given from Navient ). I have been paying this loan consolidation since XXXX/XXXX/XXXX starting amount was {$49000.00} and through payments over the last 9 years I have paid {$40000.00}. Your website says that I still owe at this time XXXX. you will notice from a review of my account that I have paid more that the minimum for years. I am requesting a review of my account as I feel that Navient is not acting in the bounds of federal loan guidelines and will be reporting my case to the US Consumers Financial Protection Bureau as well as other Government agencies for deceptive practices.

Company response to consumer: Closed with explanation