hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-01-06
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. (GA)

Complaint:
They have ignored my request to provided me with the documents that they have in there files that they used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Accounts Navient XXXX XXXX XXXX XXXX XXXX XXXX ( {$13000.00} ) XXXX ( {$47000.00} ) XXXX ( {$20000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPARTMENT OF ED ACCT NUMBER XXXX XXXX XXXX XXXX XXXX, NY XXXX US DEPARTMENT OF ED ACCT NUMBER XXXX XXXX XXXX XXXX XXXX, NY XXXX Bankruptcy XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
XXXX CLOSED Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX,. In your complaint, you indicate that an inaccurate account continues to report to your credit report. You are requesting the removal of the inaccurate item. According to our records, the disputed item does not appear on your personal credit report at this time. We are in the process of sending you a current copy of your XXXX credit report for review. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to XXXX at XXXX. XXXX XXXX, XXXX, TX XXXX, or visit : XXXX XXXX XXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with XXXX. 


I received the latest report, which the company sent Report # XXXX dated : XX/XX/XXXX The inaccurate information, which they have stated that they have removed is still there under Inquiries : CAP ONE NA - Address ID : XXXX Date XXXX Item is highlighted in the attached pdf file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Complaint:
On XX/XX/22 I took a call at XXXX XXXX. I spoke with a XXXX ( cant remember last name ) they asked if i was my name and I said I was my name and then they asked if my address was my address. They gave out my personal info without verifying who I was. FDCPA states that you can use different verifiers to know whom you are speaking to. Address is one of them. But not giving out info that they hold.I do not appreciate that they are giving out this info and I feel it needs to be looked into. Cause if they got ahold of someone I knew that I did not want having that info there would be a lot of issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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. (NC)

Complaint:
A thief stole my identity, created checks, and used my ssn without me knowing for years. 
You must delete everything XXXX XXXX have more proof of the stolen and fruad activity This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no 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 non-monetary relief
Consumer complaint received 2019-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (GA)

Complaint:
Navy Federal Credit Union has unjustifiably and wrongfully denied access to my person account, along with a joint account, with whom I share with my grandmother, XXXX XXXX. After an attempt to transfer money off a credit card, Navy Federal flagged our accounts as fraud. They requested that I go to the bank to show ID, which I did, along with my grandmother, which she was unable to do, because there is no branch in the State of Indiana. For three days we have spent hours on the phone with Navy Federal, along with have faxed over numerous documents proving identity, along with a Power of Attorney, which they rejected and failed to state a reason. It is worth noting that though I have POA for XXXX, I was already from day one listed as authorized and joint on all accounts. They are now forcing a XXXX XXXX XXXX woman to drive three hours to the nearest branch to show an ID card. If you were to visit this company 's website, there is nothing posted that states members must reside in a state where a Navy Federal is located. We feel discriminated against and targeted. Furthermore, we have suffered financial hardship due to this unreasonable actions that Navy Federal has taken. Please assist, we have no access to any accounts and it is causes us unnecessary debt. To better assist you, I have multiple fax, POAs, Sworn Affadavits, along with past mail to prove our identity and the wrongful action taken my this institution. Two individuals in particular that offered no recourse where XXXX and XXXX in Security.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
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: Experian Information Solutions Inc. (PA)

Complaint:
Currently I have 2 charge-offs being reported inaccurately, The original charge off date was XX/XX/XXXX, after multiple attends this matter is stopping me from closing on my home. As both items are older than seven years, I filed a dispute with Experian and all of the other national credit bureaus to have it removed from my credit reports. 

I received the following response to my dispute however, the information has not been removed. 


Report Number : XXXX Date Generated : XXXX XXXX, XXXX, XXXX   XXXX XXXX Account XXXX, XX/XX/XXXX On Record Until XXXX  XXXX XXXX Account XXXX XX/XX/XXXX On Record Until

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 2020-12-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (UT)

Complaint:
I have seen a large increase in collections on my credit from THE CBE group and many of them are for the same amount. When I called the company to ask what all of these are they stated that they are XXXX collections and they were for repeated use of the same thing. I asked them for proof of the debt and they stated they would send that to me and after this same request 5 times I finally got the documentation and on that documentation there were over 2 dozen debts that were past the statute of limitations in my state yet they were still collecting on them. There were also debts for the dates that were 1-3 months apart and for the same amounts but no proof of the fact that I was the person seen on those dates. When I asked for more specific information they stated that is all they had to provide. I stated just because you say this is my debt doesn't mean that it is, I asked for proof that I was the person that owes this money, they just stated it was me. I called the company myself to try to get a hold of someone who could clarify this for me and they stated that they had no records of those dates of service. So I again questioned the CBE group and was told that I needed to pay a total of over XXXX when there is only XXXX showing on my credit report. I believe that this company has continued to renew account to report to the Credit bureaus for the sake of damaging my credit and strong arming me paying money I do not owe. I have never been sent proof that this medical debt was me, no proof of the doctors saw me, or any member of my family. The second part of this is that when I spoke to several agents they mentioned that my credit report would be hurt by me not paying the full amount of XXXX. When I was trying to buy a house I offered to pay the amount that was on my credit to get it removed and was told that I have to pay the XXXX or they would not remove a single account from the credit. I then asked if I can pay the specific accounts that are showing on my credit report even though I don't believe they are mine, they stated that now that they know I am paying the accounts XXXX by XXXX they would still not remove accounts that are paid from my credit until I paid all the debt that they say I had in their office which was the XXXX. The agent stated that he was noting this down so any agent would tell me the same thing. The CBE group is a bunch of unregulated scammers that skirt the lines and try to collect on debts they can't prove. I want all accounts from the CBE group off my credit and I want any collections that they claim to have removed from their office. I have paid thousands of dollars more in interest than I should have and have been denied several attempts to purchase a house, cars and get credit cards to attempt to build my credit up due to this company and their shady collection tactics. Thank you for you time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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. (KY)

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, XXXX, Experian 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 informatyytion, 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 2021-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MO)

Complaint:
On XX/XX/2021, I received a notification through my XXXX  credit notification services that I had a limit decrease on one of my accounts, which was my JC Penney store credit card. The notification said at that time I had a credit limit reduction to {$500.00} from the original {$2500.00} limit. I called the credit card parent company, Synchrony Bank, to attempt to remedy the solution. Initially, the first response was that I was notified by mail. I informed them I was not ever notified and that the only way I found out was through my credit notification service and that I was notified Sunday. They put me on hold for a significant amount of time, only to return to me with the answer that it was automatically reduced because I hadn't used my card in a long time. I asked them is that not grounds for notification still? They would not give me an answer, but offered to file a complaint for me and what would my desired remedy be. Initially, I wanted to close the account, but then I decided that I want my account returned to its initial approved limit and possibly the limit increased as a remedy. I was told that my credit limit reduction was final and any change was subject to credit approval. I informed them that this was a violation of the CARD Act and that I had not been given the 45 days notice for the change, but I was still informed that my credit limit reduction was still final and they would consider a possible increase, but no return of my original limit.

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 2023-08-20
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been violating 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30
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. (IL)

Complaint:
In an ongoing effect of being a loyal customer to JPMCB Card Services that closed my account without proper proof, inaccurate information and do to discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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. (AL)

Complaint:
n accordance with the Fair Credit Reporting Act, XXXX  AKA XXXX Bank with Account ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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. (SC)

Complaint:
In accordance with the fait credit reporting act XXXX  account number 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 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 2022-06-08
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. (NY)

Complaint:
I had disputed the following three accounts with the three bureaus over the past 6 months, sending three letters requesting validation as well as incorrect information. Each time I get a response back verified without sending me the information I specifically asked, how did you validate? Show me proof. Show me a signed contract with my signature. These three accounts have different information reporting on all three bureaus which also violates my consumer rights. It has been three letters to no fix so now I am asking for a full DELETION of these 3 charge off accounts asap. 

I am enclosing a copy of the most recent letter sent to all three bureaus. 

XXXX. XXXX XXXX XXXX reports last payment on XX/XX/XXXX and XXXX ( No lates ) ; XXXX  reports last XXXX of XX/XX/XXXX with one 30 day late in XX/XX/XXXX ; experian reports CO since XX/XX/XXXX with no last payment date. 
XXXX. XXXX XXXX XXXX reports 100 % paid on time with last payment on XX/XX/XXXX ; XXXX  reports XXXX late payments and last payment on XX/XX/XXXX ; experian reports first 30 day late XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX shows late In XXXX, XXXX, XXXX, XX/XX/XXXX ( XXXX ) with last payment on XX/XX/XXXX ; XXXX shows late XXXX, XXXX, XXXX, XX/XX/XXXX ( XXXX ) with last payment XX/XX/XXXX and experian reports late XXXX, XXXX and XX/XX/XXXX with collection XX/XX/XXXX with no last payment date. Experian also reports this as a insurance claim or terminated for default ( not true being I have the furniture In my home ).

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 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Complaint:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 





XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$220.00} ; XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$860.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO 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 2019-02-24
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: HOVG, LLC (GA)

Complaint:
I have a potential debt for XXXX XXXX XXXX services on my credit report from XX/XX/XXXX. It says that it is from XXXX XXXX response in which I was not in an ambulance in XX/XX/XXXX. I requested more information on the debt from all credit bureaus and have not received anything. With all disputes resulting in the collection saying that it is verified but no information AT ALL. The beginning of XX/XX/XXXX, It was deleted from all reports after filing another dispute in XX/XX/XXXX asking for more information again. Today it reappeared on my XXXX  report. I have not received any notice of this account being added back. The account is still not on the other two but do not know what to expect. Why am I being denied more information on an account that is on my credit reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief