hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-08-04
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. (FL)

Complaint:
Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/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 2019-03-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Complaint:
On the XX/XX/2019 a savings account was closed at Capital One 360 and the remaining amount to be mailed out is {$480.00}. The customer service representative stated that it should take between 5 to10 business until receipt of the check. It is now XX/XX/2019 and I have yet to receive the check from Capital One 360. I have called several times to check on the status to no avail. Customer service keeps bouncing me to another department that handles the account that is either never available, and never gets back to you when leaving a message. It is now close to a month of dealing with this bank with this issue, and yet nothing is being resolved. I just want my funds made available as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
Fraudulent inquiries and inaccurate account information

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 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Complaint:
I AM SUBMITTING A COMPLAINT REGARDING MY XXXX XXXX XXXX XXXX ACCOUNT WITH A XXXX LATE PAYMENT REPORTING. I DO NOT RECALL BEING LATE AS MY PAYMENTS ARE MADE ON TIME AND ACCORDING TO MY RESEARCH ON LATE PAYMENTS, DUE TO COVID 19 & THE HEROS ACT LAW, THESE XXXX LATE PAYMENTS SHOULD HAVE NOT BEEN REPORTS AND I ASK THAT THEY BE REMOVED EXPEDITIOUSLY. THE XXXX LATE PAYMENTS ARE FOR XX/XX/2022, XX/XX/2022 AND XX/XX/2022. I RECEIVED ACCOMMODATIONS BECAUSE OF THE ERRORS AND SINCE I HAVE BEEN GIVEN ACCOMMODATIONS THAT TOO IS A REASON THESE FALSE LATE PAYMENTS SHOULD BE REMOVED. THIS IS DAMAGING MY CREDIT REPUTATION AND I AM BEING DENIED CREDIT BECAUSE OF THESE MISTAKES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
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: EQUIFAX, INC. (NC)

Complaint:
I received my credit report and notice that I have credit inquiries on my report that I did not authorize. I contacted Equifax to have these inquiries removed. They ensured me that the inquires would be removed, but then sent a letter stating that the inquiries will remain on my report. I am demanding that Equifax remove the unauthorize inquiries from my credit report so that the report may show accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
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. (PA)

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX : {$1400.00} Opened Date XX/XX/XXXX XXXX Original Creditor XXXX XXXX Balance : {$66.00} Opened Date XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
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. (TX)

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.

The letters are stated with items and issues. 

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 2022-06-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A. (IL)

Complaint:
Citi contacted me and offereed a XXXX XXXX Checking account. As a sign on bonus they promised XXXX XXXX XXXX miles if I completed various activities which I did. they also promised free checking and a raft of other sevices. 

They never kept up their side ... No miles, they changed my account and are trying to charge me {$35.00} a month for checking plus {$35.00} overdraft fee on their erroneous service fee. I have to keep the account open waiting for the miles.

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 monetary relief
Consumer complaint received 2022-07-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the 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 non-monetary relief
Consumer complaint received 2023-02-05
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: Bread Financial Holdings, Inc. (FL)

Complaint:
I was in communication with Comenity Bank attorney XXXX XXXX and XXXX XXXX XXXX on XXXX XXXX XXXX in regards of an account ( XXXX ) that is still on my consumer profile. 

I reached out and explained that Comenity Bank is breaking the federal law ( FCRA ) and stated what laws were being broken on my consumer profile. We had a conversation regarding the account and ultimately XXXX the attorney came to a decision to settle for a payment of {$500.00}. 

I will attach the screen shots of the emails of the conversations. 

I stated that I would be willing to settle to if they would agree to remove the negative account that is violating my consumer rights. 

XXXX came back and stated that Comenity Bank is unwilling to delete/remove the account and then offered {$250.00} more ( {$750.00} ) to " resolve '' my concern. 

Comenity Bank has attorneys representing their company that are knowingly breaking the law. I would like for this to be on record that I attempted to resolve this with Comenity bank and attorneys. 

I have reported the issue I am having with Comenity Bank with my Attorney XXXX XXXX as well and I would like for this to be removed from my credit profile immediately as it is and has been severely and negatively effecting my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc. (CA)

Complaint:
In XXXX, there were multiple hard credit inquiries made on my credit. XXXX XXXX, WebAvant LLC on XX/XX/2022, and XXXX XXXX XXXX Bank on XX/XX/2022. Noticing multiple hard inquiries that were not requested by me, I submitted for a credit freeze on my XXXX account since thats where the first hard credit notification came from. 

In XXXX, I received many alerts from XXXX, XXXX, XXXX XXXX and other credit monitoring services asking if I opened a new credit card or tradeline. After checking my credit report I noticed the following new accounts. 

A credit card from AvantLLC was successfully opened by somebody using my identity in 1 day and currently has a balance of {$59.00}, which is all I can see on my XXXX report. I immediately sent an email to AvantLLC on XX/XX/XXXX explaining the fraudulent account in which they replied my information in the email doesn't match any accounts they have open. They responded on XX/XX/XXXX and asked for " information we can commonly use to find accounts includes name, date of birth, last four digits of Social Security number, email address, telephone number, and street address. '' I didn't feel comfortable sending that information to them though email or over the phone since I've never even heard of the company before. 

A credit card was opened through XXXX XXXX and the by the time the credit card was reported on my credit there was a {$3000.00} balance. 

After seeing multiple hard pulls and then the credit accounts actually having been opened I reached out to XXXX and XXXX to have fraud alerts placed on my account in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (CA)

Complaint:
CBE GROUP is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$80.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23
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:
I reached out to TransUnion by Certified Mail Ltr # XXXX that they received on XX/XX/2018. 

Enclosed in this letter was a request to verify the bankruptcy being reported on the credit file associated with my Social Security number. 

I also provide a letter from the United States Bankruptcy Court from the XXXX XXXX of Georgia. This letter indicates that bankruptcy court does not report to the credit reporting agencies. 

TransUnion has failed to state or prove how they received this information, which was in the request that they provide proof of. They just updated the " court type '' on the report versus removing it. If I understand the FCRA, it states in affect that if the bureau can not provide verification of the disputed item they must delete it. 

Also, it is not indicate in the response from TransUnion of this dispute if and why the PACER system would have been used to access information on me that the courts themselves have indicated they do not 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 explanation
Consumer complaint received 2020-11-26
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. (LA)

Complaint:
On XX/XX/2020 I submitted documentation and a Dispute letter for unknown and inaccurate accounts on my credit report its over 30 Days now but I haven't received any response yet. I was a victim of Equifax data breach. Need to remove those unknown and inaccurate accounts or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RFNA, LP (GA)

Complaint:
this company claims that I owe them a debt, and put a negative mark on my credit report. I sent this company a debt validation letter to have them clarify this debt. the company called me and left a voicemail stating that if I don't answer the phone, they wont validate the debt. According to the fair debt collection practices act sec 809 once a debt is disputed, it must be validated. so ignoring this letter is a violation of the collection practices act. I would like everything documented in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
Good evening I received a response from TransUnion about a couple disputes I sent to them about a XX/XX/XXXX. One being a XXXX XXXX closed account that was reversed. from current payed account to late 30 days I need you to look at this and make it make sense because maybe my eyes bad first off transactions and or expressions are not apart of ones consumer report 15 USC 1681A ( 2 ) ( a ) so reporting an account like this is illegal and two how can something be late if its shows it was payed the same month and year they claim it was late The Second dispute is for XXXX XXXX account which is reporting a LATE PAYMENT XX/XX/XXXX once again TransUnion did not address the issue of it being illegal to report Late Payments 15 USC 1681A ( 2 ) ( a ), or how about 15 USC 1666B TIMING OF PAYMENTS, and 15 USC 1666 CORRECTION OF BILLING ERRORS, XXXX XXXX XXXX I didnt ask for the account to be verified they think they can just say its verified and think thats it I told them the information that you are reporting is private and I did not give permissible purpose to report sell or furnish my private information to any third party consumer reporting agency first off and secondly LATE PAYMENTS REPORTING IS ILLEGAL as I stated for all of these companies that choose to report TRANSACTIONS and transactions and or expressions are not apart of a Consumer Report, Consumer law prohibits this type of reporting, they dont care about the law I inform them of these errors and they refuse to correct them because they think they can do what they want this complaint is the next step in having you step in to make them abide by consumer law next I will be suing because XXXX tied of the disrespect

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 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Complaint:
Equifax, in writing, requested that I provide additional information to verify my identity. Per their latter to me, dated XX/XX/2022, my identity does NOT match the information that they have on file. 

This is preventing me from establishing an online account with them, so their response makes no sense. 

When attempting to create an online account, this is the message that is displayed : " We can't complete your request at this time. Please call the Customer Care team and mention error code NH. '' I have attempted to resolve this multiple times over the phone and each time I call in they say they are having technical difficulties. 

I need a full credit report from them and what they are reporting as my credit score. I had a negative outcome when a service provider issued a soft credit check with them and the result was negative. I need to determine why this is happening. I can not do so if I can not access my account online and I have not been able to resolve this by calling. 

I have sent the requested information via the USPS - Tracking number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MO)

Complaint:
I took out 2 loans through XXXX XXXX XXXX in MO in XXXX of XXXX and XX/XX/XXXX. Which the bank didn't report to the credit bureaus. We sent the payment schedule and complete payoffs, that the bank sent to me, requesting that my credit score be adjusted accordingly. 

XXXX stated that the dispute over not adjusting my credit history and score, couldn't be done because they couldn't verify the information that the bank sent me, and I forwarded to all 3 bureaus. This information was sent to me by the bank and was on their letterhead. I haven't heard from the other 2 bureaus as of today. 

All I'm trying to do is get the information added to my account so that I can go forward in reestablishing my credit history. And as of now I have no credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/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 2017-07-29
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation (GA)

Complaint:
My issue involves XXXX XXXX XXXX ; I have previously filed a complaint. I have contacted Ocwen Ombudsman but got a generic response. One thing they continue to ignore is the inaccurate information they are now reporting. The term of the loan is reported as 38 years. This is false. The term was 15 years with a balloon note. This is why they were able to take my home. CFPB recently filed a suit against this company : Case No. XXXX CONSUMER FINANCIAL PROTECTION BUREAU, I want to add any information I can to this suit if possible. If not, I want someone to help me determine if anything can be done. I began trying to go through the modification process in XX/XX/XXXX 2010. They refused me at every turn. First, because I was not in default and had not missed 3 payments. When they received that 3rd payment they sent it back and my nightmare began. They told me that NPV was the reason, or the 31 % rule, they lost paperwork, they stalled and  stalled and then finally sent me a 2 year in-house modification agreement because they said the " investor '' would n't allow this loan to qualify for the HAMP. I made every payment on time and applied for another modification which was turned down. They claimed the loan owner would not allow modification and demanded the balloon payment of {$75000.00}. Help me. Please. ________________

Company response to consumer: Closed with explanation