hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (LA)

Complaint:
In XX/XX/XXXX, my husband and I filed for Chapter XXXX bankruptcy. We were discharged from the plan in XX/XX/XXXX. At that time, the trustee sent us a refund for over payment. Included in that refund was all money paid to Sallie Mae ( now Navient ) about {$6700.00}. In XX/XX/XXXX, I received notification that I needed to start making payments to Navient for the student loan. I have continued to pay on the loan since XX/XX/XXXX. 

I don't understand why Sallie Mae refunded the {$6700.00} when the loan had been paid off through the bankruptcy. I believe that since we had paid off the loan in the bankruptcy, I should not have to repay the money again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Complaint:
Hello my name is XXXX XXXX, I am contacting you in regards to the activity on my credit report that I am having issues with. In regards to these particular Creditors being pain in full and taking money from me through the IRS. After being completely removed and free of debt, The creditor or hacker has [ placed the debt back on my accounts after a data breach and I have been trying to get it disputed, I dont know how they lost my data but this has been paid and you can see that it says paid in full but it doesnt explain why the money is back revolving. Which you can say has crashed my credit score from 730 to below 500. I am also not able to see the right payment transactions or even their association with XXXX XXXX which has been used to disregard and they have gone through a data breach as well. This will be my second Attempt to ask them to take this down. When I am contacting these companies they are not giving me a direct answer or being fair like I never paid these off. 

This is most recent disputes. 



XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account number : XXXX Dispute requested XX/XX/XXXX XXXX through Experian Report # XXXX Reason and statement : Paid in full. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX Account number # Dispute requested on XX/XX/XXXX through Experian Report number # Estimated date of resolution XX/XX/XXXX Reason and Statement : The car that was financed by I, XXXX XXXX, was obtained by the dealer and should be seen as collateral. In compliance to the balance, there should be none. 




XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX, Va XXXX ( XXXX ) XXXX Account number # XXXX Dispute requested XX/XX/XXXX through Experian @ XXXX Report number # Estimated date of resolution XX/XX/XXXX Reason and Statement : Account was paid in full by I, XXXX XXXX XXXX XXXX of XXXX. 



XXXX  accounts XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Account number : XXXX Balance : {$1600.00} Dispute requested XX/XX/XXXX through Experian XXXX XXXX Estimated resolution date : XXXX XXXX, XXXX Reason and Statement : Account was closed in XXXX, resolved through claims court in XXXX, Ca I also now have things on my account saying I have a mortgage. When I do not own a house. Now as I check my accounts through Experian, I noticed that XXXX and XXXX have the accounts closed on the other side but they say otherwise they should say paid in full or settled in court.

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 2021-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (VA)

Complaint:
Chase unilaterally decided to close my Chase Sapphire Preferred account ending in XXXX on the basis that I've submitted an increasing number of disputes related to my abroad travel from XX/XX/XXXX to XX/XX/XXXX. As I've explained in detail in numerous communications with Chase 's customer service team members, these disputes have merits, and in no way did I abuse their dispute function. In a very detailed letter, I outlined the history and details of these disputes in support of my claim that these disputes are all submitted in good faith, and thereby demanding that my account be reinstated immediately. This letter was submitted on XX/XX/XXXX, via Chase 's internal Secure Message and via postal mail. I have not received a response. A copy of Chase 's original notice of closure of my account and a copy of my response letter are attached in this complaint. If Chase does not reinstate my account immediately, I am ready to rally my resources to mount a vigour legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
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. (GA)

Complaint:
The three main CRAs are reporting student loan accounts that are ten years old and have been requested removed via the FCRA ; those same bureaus are reporting balance transferred, closed accounts, or delinquent on these older accounts ; several of the closed student loan accounts are also showing unknown on payments for several years, except for late payments within those accounts ; I have called the original creditors off those loans/ accounts and they have stated the account is no longer accessible and they do not report to any off the CRAs. I am requesting immediate removal of those accounts labeled under XXXX XXXX ( 2 ) ; XXXX XXXX XXXX ( 2 ) ; and XXXX XXXX XXXX XXXX XXXX the above aforementioned accounts have been requested for removal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: New Mexico Educational Assistance Foundation (NM)

Complaint:
This is in response to New Mexico Educational Assistance Foundation and the inaccurate reporting of information on my personal credit reports. This information is being reported as a new negative and has re-aged the account. When looking through the report you can clearly see the errors being reported by NMEAF. 
Upon asking NMEAF to correct some payment status information on my XXXX report they reported that a claim was filed with Government in XX/XX/XXXX and XX/XX/XXXX. This is why the accounts have had the timeline re-aged. The account should fall off from first date of delinquency that lead to the default which would have XX/XX/XXXX has the removal date or age off date. The date claim was filed with government was several years ago and in that fact alone they are reporting inaccurate information. I have filed disputes to update this information with the credit agencies to no avail. I have also been in contact with the Creditor NMEAF and have provided the information needed to fix the errors. 
They have responded that the information is accurate. So despite providing all this information they choose to ignore the errors being reported. If these errors can be fixed than they need to remove the account completely from the reporting agencies as this is hurting my credit report and is causing emotional distress. 

They have failed to resolve the issue so I ask that the Consumer Financial Protection Bureau step in and resolve this matter as this has gone on long enough with disregard to FCRA 15 U.S.C. 1681. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Complaint:
I checked my credit score and was shocked at the amount of unknown fraudulent accounts that were showing on my report. I was not sure how my report was compromised, but after performing some investigation, I became aware of my information being involved in several credit bureau breaches. Additionally, there are a few addresses on my credit report that are not associated with me. I am not sure how these addresses and breaches may have affected my report, so I decided to contact the credit bureaus for a more thorough investigation. I have not heard a response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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. (FL)

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (SC)

Complaint:
Original CreditorXXXX XXXX XXXX XXXX  now known as XXXX XXXX XXXX, lease an apartment from them. Roommate broke lease. There is a fee to break lease roommate refused to pay after I paid my half amount. Was never contacted by them for remainder. Get a phone call from Hunter Warfield on XX/XX/XXXX for amount. Wanted to deal with original creditor. The original creditor refused payment. Original creditor referred me to deal with collection agency. Requested verification of debt on XX/XX/XXXX Debt was verified. Started to negotiation with settlement for original amount of {$1200.00}. On XX/XX/XXXX letter was sent with amount of {$1200.00} with {$4.00} as interest. In original contract there is no interest. Debt collector is seeking to collect more than what is originally owed. In addition, tried to make phone contact onXX/XX/XXXX to settle account. Made phone calls at XX/XX/XXXX and XXXX XXXX  with the phone number provide to me in a letter at XXXX. Hunter Warfield did not answer phone during normal business hours. In addition sent email to XXXX XX/XX/XXXX with no answer. A letter was sent on XX/XX/XXXX with full amount of {$1200.00}. Hunter Warfield recieved check on XX/XX/XXXX via certified mail. Since that date Hunter Warfield has not cash the check for payment in full. Hunter Warfield sent letter to consumer suggesting that if payment is not receive then will put negative listing on credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.

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 2023-06-24
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. (NJ)

Complaint:
As I was checking my credit I noticed multiple accounts that I do not recognize

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 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

Complaint:
There is a CONSUMER STATEMENT on my Equifax report that I have requested to be removed since XX/XX/2018. I've requested multiple times via phone, via chat, via certified mail, via regular mail -- all to no avail. 

Consumer Statements are added at will by the consumer, yet Equifax refuses to remove the statement and always come back with a generic response saying the information is valid. It's a CONSUMER STATEMENT. If I want it removed, it's no longer valid. 

In addition, the statement was added without my consent -- thus disregarding that Consumer Statements should be added and removed at the consumer 's request. This is not something that should take so much effort. It should simply be removed because I am requesting it. 

Equifax is not investigating and they are not removing the statement. They're simply rehashing the same information without actually looking at the report. 

Again, remove the Consumer Statement from my report as it is holding up my mortgage approval process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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. (NJ)

Complaint:
Fraudulent inquiries Appearing On 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 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MT)

Complaint:
I disputed an account on experian that was paid off in XXXX of XXXX and wrongfully showing the account was still open. Once I disputed it in XX/XX/XXXX they claimed the account delinquent and a payment of {$1000.00} was due since the vehicle was paid off until now. I re-disputed it with the information from XXXX showing the account was paid in full and closed on XX/XX/XXXX. This did nothing. I was then told to send a letter of dispute to XXXX 's dispute center. I sent that XX/XX/XXXX. Nothing has changed on my credit report. This is stopping me from getting into a house and getting a new car. My credit score dived from XXXX to XXXX just from this fraudulent charge.

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 2017-08-18
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. (FL)

Complaint:
In XXXX XXXX, I sent a letter to ask for verification of payments on an account. To my surprise XXXX XXXX XXXX XXXX and Fed Loan re-added the account to my XXXX file and didnt notify me. According to the FCRA if anything is added onto my report I have to be notified within 5 days. They reported it twice on my XXXX and one was added without notice. The payments are all over the place and there is incorrect information being reported. I 've asked the Bureaus to verify and all I get are letters back saying they wont reinvestigate. The burden to provide verification is on them not me. Its my right as a consumer to have the proper information reported on my report. If the Agencies do n't investigate, they have taken my right away as a consumer. The only resolution is that these accounts are deleted off of all three Bureaus immediately. This has been nothing but a burden to my family and I. I do n't owe them anything. I just want it deleted. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
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:
XXXX XXXX XXXX has appeared on both my Transunion and XXXX credit report as an open account within the last few days. This same company appeared on my XXXX credit report in XXXX and it was disputed then as a fraudulent account. Now, the same company has shown up on my other XXXX credit reports. This account is not mine. When attempting to call the company directly, no one answers the phone nor does anyone call back when you leave a message. When trying to talk to someone through the website, there is no option to support 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 2021-01-08
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. (CA)

Complaint:
My credit score dropped over 100+ points basically over a couple of days. There was, is no activity to justify this but illegal tampering with my credit scores to and credit my report. I believe someone has illegal tampered with my credit scores.I would like an investigation done and my credit scores 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 explanation
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (IA)

Complaint:
I had two Care Credit/Synchrony Bank Cards ( for XXXX providers ) in the past. 

I thought both accounts are closed : The CARECREDIT / SYNCHRONY BANK website states : Important This account has been closed. No further purchases will be allowed. 
It shows no balance on my account Now that I have a new dog I want to open a new account. But my applications are denied stating, Existing account with our credit program. 

If the website says my account is closed and the letter states I have an existing account then someone must be using my Social Security number FRADULENTLY.

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 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions 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 Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian 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 US DEPT ED XXXX US DEPT ED 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 non-monetary relief
Consumer complaint received 2022-12-29
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. (FL)

Complaint:
On XX/XX/2022, I sent a letter for the inaccurate account on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the account 's information : 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 2020-08-11
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. (NY)

Complaint:
I have one account with XXXX in good standing and for some reason they have two more accounts under my name

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