hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (PA)

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (KY)

Complaint:
This is a case where the debt collector broke the law and sent private information of a debt to my work instead of my home. Employee of company open the mail and scanned it to my work files. Now many people in my office are aware of this situation that is now looking to cost me my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (FL)

Complaint:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The ALLY FINANCIAL XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


ALLY FINANCIAL 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 2019-12-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Complaint:
To whom it may concern : On XX/XX/XXXX via telephone I spoke with supervisor XXXX ID # XXXX and explained that I mailed a certified letter to Equifax and it was received on the XX/XX/XXXX requesting you methods of verifying the information that I disputed. I explained to her that I had been told that the Bankruptcy on my report was verified by the Courts on XX/XX/XXXX by a rep from your company via phone ( which I have recorded and XXXX verified by looking at my report as well ) so I reached out to the courts and they gave me a letter stating that they do not and have not communicated nor verified ANY information with any credit reporting agencies. 
On XX/XX/XXXX I believe, I spoke to another rep XXXX who told me that the same information was verified by XXXX XXXX. So I reached out to them on XX/XX/XXXX. They said via telephone and letter stating that they have NOT shared my information with any agencies either due to my report with the FTC my information was locked as per my request in XXXX. 
Also in my letter I disputed an address ( XXXX XXXX XXXX XXXX, XXXX ) which I have NEVER lived at nor been too. As I have stated to you reps ALL the accounts listed in this fraudulent Bankruptcy are reporting this same address. I also told them that I had filed a report in XXXX when I noticed these errors with the FTC report # XXXX regarding Identity theft based on these accounts. You removed the address from my report. 
As per the FCRA you are required to remove any and all information that can not be verified truly. Also by law you have 15 days to get your response to my letter requesting your method of verification. As of XX/XX/XXXX I have NOT received any communication from Equifax regarding your verification methods which you received from me via certified mail on XX/XX/XXXX. This too is a violation of the FCRA. 
As I have enclosed copies of both letters and proof of my identification there should be no more problems removing this Bankruptcy from my report as if is not mine nor have you verified it in any actual way. 
Like I stated to XXXX your representative, Equifax has violated the FCRA three times regarding this issue that I have proof of. 
1. Lying to me via recorded telephone call that the Court has verified the Bankruptcy 2. Lying to me via recorded telephone call that XXXX XXXX has verified the Bankruptcy 3. Not responding within 15 days to my method of verification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
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. (OR)

Complaint:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. You are reported inaccurate information : totally different, or missing. I attached copies of my annual credit reports so you can find wrong information on my XXXX XXXX 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
Consumer complaint received 2018-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

Complaint:
I had chase for the entire time I was in the Military, I got XXXX XXXX from XXXX on XX/XX/XXXX After that I started having a lot of issues with my bank CHASE, I was charged fees with no explanation. My card was even cloned once and I had to file a dispute for the transaction. To make the story short. Months after that. Around XX/XX/XXXX. I tried making a purchase, and all of my 3 accounts that I had with chase where CLOSED! They gave me no explanation they only said that, they no longer wanted to keep business relations with me. At that point my VA pension was link to that card, I ended up losing so much and almost getting evicted because those accounts were frozen so the VA couldnt change my direct deposit because it was already After the cut off mid month. Truly lives a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
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. (NY)

Complaint:
XX/XX/2021, I made a report to CFPB about Credit Bureau Equifax not following company guideline, by failing to delete inquiries that was on my credit report after receiving proof that they deleted it. In the report their response was the item will be deleted. On XX/XX/2021, I called Equifax to ask why the inquiries wasn't deleted. their response was rude and stated there is nothing that can be done. Down below I added documents of my proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Complaint:
A credit monitoring service reported to me accounts and inquiries that were n't mine in XXXX. I tried to access my free credit report from TransUnion on line but TransUnion did not accept the information I provided. I was able to order a report by phone using my social security number, but the report I received was in the name of a woman with the same first name as me and a social security number that matched 8 of the 9 social security digits. The address, phone numbers and birth date matched mine but the credit accounts included both hers and mine. I finally got the fraud department to check into separating the two files after my letter requesting it was ignored with the complaint they could n't read my driver 's license, which I believe is purposefully designed to not be copied and scanned. I requested a credit freeze but was told I could n't because of the commingled file. TransUnion put a security freeze on my file with my cell phone number for verification, but the freeze ended up on the other woman 's account with my phone number. I am still getting confirmations from XXXX in the other woman 's name at my address. I have received someone else 's credit report and social security number in the mail. Her credit report also listed her address and phone number in the file. This is third time this woman 's information has ended up in my file and it is worse this time because I am retired and cutting back on my debt while she is increasing hers. TransUnion uses social security numbers as identifiers but seems more interested in like numbers than exact numbers. TransUnion will not give me a free freeze and I do not know how to protect myself from losing my credit identity again.

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 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (OH)

Complaint:
I pulled my credit report and found that there are some items on my report that I dont not recall approving on my credit report. I requesting to freeze my XXXX XXXX, XXXX, innovios, XXXX XXXX. and any other reporting agency. Please do not unfreeze my report. if the information provided does show my current address ; XXXX XXXX XXXX XXXX, oh XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

Complaint:
My name XXXX XXXX. I had an item i wanted to buy from XXXX XXXX, XXXX XX/XX/2021, Amount {$3800.00}. So i was advice by the store associate to apply for their store credit card that carries 0 % APR for 18 months, since i have an " Excellent '' credit score with a FICO score of XXXX & above depending on the credit bureau. XXXX credit card is operate by " Synchrony Bank ''. I was hoping there won't be any problem since i have an excellent credit with a FICO score XXXX & above depending on the credit bureau, so i applied. After my application, Synchrony bank run my credit history but there was no issue as well & i was instructed by the bank to send my ID & take a picture of myself and submit it to the link that the bank sent to me to verified my identity. Immediately after i submit my ID & take a picture of myself they saw my picture & realized the applicant was an XXXX, then they started coming up with all kinds of issues just to denied the applications because in their widest dreams they could not believe at a time like this a XXXX man can have such a great credit history. This is unbelievable & unacceptable that having a good credit history is not good enough to get a store credit card for an amount a low as {$4000.00} even though it's clear through my credit history i am above & beyond qualified. They were unable to provide a cogent reason for the denial because i ask them for the reason, THEY ONLY JUST GAVE ME A GENERIC RESPONSE. I HAVE A GOOD JOB, GOOD INCOME & FICO score of XXXX & ABOVE depending on the bureau, i've been on the job for more than XXXX. WHAT A HELL IS THE REASON FOR THE DENIAL I want to make this compliant here as " Synchrony bank '' has racially profile me & i felt been discriminating against cuz this is an act of discrimination even though i met above & beyond all the qualifications for this credit card, they could not provide me with a cogent reason for the denial. Synchrony bank need to be exposed because i'm sure they have done this to some other applicant of XXXX. THIS CAN NOT CONTINUE!! This is perhaps the most humiliating i've felt in a long time.

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 2017-10-05
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. (CA)

Complaint:
In XXXX, 2017 XXXX XXXX informed me that my Credit Card had been used fraudulantly, they reversed charges and did not explain the fraud. This is an account I almost never use, and had recently received a new card, so the card information was not entered into any companies POS or any websites - it could only be known by XXXX XXXX and Equifax. Equifax later released that data in their servers information had released for criminal use. I contacted them to resolve the damages from the breach, and they replied with a form letter, and offer for a free year of credit monitoring. The typical sales model for credit monitoring is they hold a credit card number for charges and begin charging you at a certain point. If you call to terminate the credit monitoring they refuse your calls or inadvertantly charge you for the services. Equifax probably profited from making consumer data available on a black market, and used the " unfortunate situation '' to sell credit monitoring services and collect payement contracts for future services by creating fear in consumers minds. This is a evil and devious practice. For a consumer like me who rarely uses credit, it means I have a vunerability simply on maintaining a service " for a rainy day '' - and a sick twisted organization like Equifax can use that to take money from me. They did not offer to verify how my account information was frauded and did not want to deal with me as a frauded consumer. I also find it interesting that i never agreed for them to keep this data on thier servers, and If i woudl want to live in a house i would probably have no option but to keep this data on thier servers. They have never answered if they intentionaly gave out my data to criminals.I can not remove my records from them as I have a home loan - typically required - I guess unless I choose to freely sleep under the freeway - oh that may be illegal ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Complaint:
I HAVE NOTIFIED ALL THE CREDIT BUREAUS OF THE INCORRECT INFORMATION THEY HAVE BEEN FURNISHING ON MY CONSUMER REPORT. I DID NOT GIVE THEM CONSENT TO HAVE MY PERSONAL INFORMATION FIRST OF ALL. AS A RESULT OF INCORRECT INFORMATION THE CREDIT BUREAUS HAVE BEEN FURNISHING ON MY CONSUMER REPORT IT HAS CAUSED MY CHARACTER TO BE DEFAMED, MENTAL ANGUISH AND FINANCIAL HARDSHIP. 

I HAVE SENT THEM A CEASE AND DESIST AND YET DERROGATORY AND INACCURATE INFORMATION IS STILL BEING FURNISHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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. (FL)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$2600.00}

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 2023-03-29
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. (CA)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 and XXXXXXXX XXXX XXXX : XXXX has all 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 15 U.S.C 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 seven years.

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 explanation
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Complaint:
I had a XXXX XXXX XXXX XXXX from Capital One, which was opened in XX/XX/XXXX. Capital One closed my account after having one delinquent payment in late summer of XX/XX/XXXX, which was paid only a few days late. The Bank did not close the account until approximately two months later and did not provide me with a written correspondence either USPS nor email. I learned of the closure by attempting to use my account. Before the closure of the account, I had responded to a GM/Capital One email advertisement that I did not want to receive promotional advertisements from XXXX XXXX XXXX in XXXX, LA because the dealer had been caught rolling back the odometers on used vehicles and I would never purchase anything from that dealership. I telephoned customer service inquiring the problems making a purchase and that was when I was notified the account had been closed. According to the XXXX XXXX XXXX allowed 5 % of all purchases to be credited to a rewards account in dollars to be used towards the purchase of a XXXX vehicle or service. Upon closure of the account, the consumer has up to 90 days to use the accumulated rewards at a XXXX vendor ; otherwise, the reward amount collected is forfeited. Keep in mind that the account was closed in good condition and current status. During the customer service phone call, I complained that since Capital One had closed the account without any formal notification and without cause since it was in current status along with my other three Capital Once accounts, Capital One was basically attempting to force me in to the purchase a new GM vehicle or lose the accumulated reward dollars that was just over {$290.00} & change. I demanded to speak with Executive Level Management because I was not in any financial position to purchase a new GM vehicle and since Capital One closed my account without proper legal notification, I demanded that the accumulated reward dollars be sent to me in the form of a check or credited to the balance of the account. My name and number was taken by the representative and informed me that I would be receiving a telephone call from an Executive Member within 48 hours ; however, that call never came and I have since stopped paying on the account because Capital One had committed consumer fraud and theft of a the accumulated reward dollars, as far as I was concerned. Since then, my financial status has fallen on extremely hard times and I am in the process of filing for bankruptcy still with an unsettled claim for XXXX XXXX XXXX Rewards paid to me. As far as I am concerned, Capital One has intentionally stolen my Rewards of just over {$290.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (PA)

Complaint:
I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2022-04-24
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. (PA)

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation