hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NY)

Complaint:
I called your department after I purchased a credit report with XXXX XXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that these were Charge off accounts on my credit report. I was a casualty of savage wrongdoing. I'm not liable for these accounts, no police report or fraud affidavit is possible and no information or document is in my possession. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. A copy of my Bank Statement, Drivers License, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following inaccurate names : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXXXXXX XXXX XXXXPlease verify the following incorrect names. I think there XXXX be an error, please remove as per FCRA 605B, also inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NY XXXXThis isn't my home address. Per Fair Credit Reporting Act Section 605B you are required to remove the undistinguished address on my credit report. These accounts included in the dispute are : JPMCB CARD XXXX JPMCB CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (IL)

Complaint:
Ive requested Information and I get none besides telling me I owe. And I get the run around on who had the information. Just show me my signature and prove to me this is mine.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

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. 

XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX XXXX XXXX Inquiry has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent

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 2021-06-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AUTOMOBILE ACCEPTANCE CORPORATION (FL)

Complaint:
So I was XXXX and reached out to car company regarding the car and payments and the engine went out in the car. After that I had XXXX on my throat. They asked for a replevin I offered to do a settlement of several occasions. They denied. I returned the vehicle. And afterwards they salvage the car. For the same amount I offered XXXX. And still they want me to pay XXXX. And I asked they about the gap coverage. And they denied giving me that info i.p.o by

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (FL)

Complaint:
I deposited XXXX dollars into my account and a few days later it was closed. I could not gain access to my checking account. Chime requested documents to prove where the XXXX dollars came from and so I sent them my information and proof of my unemployment benefits. Now its been days and radio silence, they have stopped replying to my inquires. During this pandemic things are hard as is and now imagine having your funds locked up and no one answering. I would like for them to send a check to the address on file and close my account. I want nothing to do with their horrible customer service and would like all my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (NY)

Complaint:
Equifax has not actually reported my credit score to XXXX in 9 months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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. (MO)

Complaint:
Ive sent disputes to XXXX and trans union to asked them to delete my 2 bankruptcies off my credit since I contacted XXXX  XXXX and the courts and XXXX XXXX have deleted the bankruptcies off my credit and the courts dont report to the credit reports so they need to be deleted per 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 2021-09-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (GA)

Complaint:
FirstPoint Collection resources , Inc. is reporting unverified medical information to Credit reporting agencies in the amount of {$52.00}. I initially contacted FirstPoint, in writing ( see Attachment # 1 ), and requested proof ( documents bearing my signature ), that the debt belonged to me because I have not personally conducted any business with any of the parties involved in this debt, and know this debt does not belong to me. 

FirstPoint responded to my request for a signature bearing document with a letter ( See attachment # 2/3 ) stating the debt was verified and it belonged to me. None of the information provided by FirstPoint bore my signature or any other validating evidence linking me to the debt. I responded in writing again ( See attachment # 4 ) to request a signature bearing document as proof of this debt but never received a response. 

Both XXXX and XXXX have investigated this account, deemed the information unverified and invalid, and have subsequently removed this account from my credit report. Yet FirstPoint continues to report this unverified debt to XXXX in violation of both the FCRA ( Fair Credit Reporting Act ) and the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 

I also reached out to FirstPoint by phone and spoke to a woman by the name of XXXX to try and resolve the issue because I am trying to purchase a home and this item is negatively affecting my credit report. I explained my situation and asked if i could get a goodwill deletion if I paid the debt in full ( even tho it wasn't mine ) so it would no longer show up on my XXXX credit report. XXXX told me that they would not give a me a Goodwill Deletion and would still report the collections account to my credit report even after I paid the balance. FirstPoint 's policies and actions are highly predatory and violate the FCRA and HIPAA and should be investigated. I have made attempts to resolve the matter and have been met with staunch opposition which is the reason I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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. (GA)

Complaint:
In accordance with the Fair Credit Reporting Act- XXXX XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 USC 1681 Sec 602A states that I have the right to privacy.

15 USC 1681 Sec 604A Sec 2 also states that a consumer reporting agency can not furnish an account without my written instruction.

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 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Complaint:
This is account is incomplete and not mine. I'm ever sure who the creditor is maybe as it's not displayed but impacting my score. Also, if they believe this is my account, please validation of debt. Account # XXXX Here is the Second account listed as XXXX, but when I looked up the address it shows up as XXXX XXXX XXXX XXXX   for Account # XXXX. please provide validation of debt for this account as I'm familiar with it. 

I sent a certified letter to XXXX XXXX XXXX  XXXX requesting Validation of Debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (CT)

Complaint:
My student loans went from being in forbearance to being in default all within then span of six months I was never notified and I was never given any help on how to rectify the situation. Ive contacted the school XXXX XXXX  XXXX XXXX  they told me it was out of their hands and so did fed loan. Ive been left with nothing but trouble and I have no help to rectifying this situation and i cant get jobs and housing because of it. I was told to contact your organization because you may be able to help me get some compensation for this. This dates back to XXXX when I started the loans and XXXX when this all happened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
I recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.

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 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my 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 explanation
Consumer complaint received 2021-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
In XXXX & XXXX of 2020, someone tried to purchase a vehicle from multiple car companies. I notified these companies stating that I did not AUTHORIZE these INQUIRIES, nor was I applying for any auto loans do to the fact that I was just released from prison in XX/XX/2020. They stated that the inquiries would be removed. In addition, during that time XXXX was closed due to the Pandemic ( COVID ), so there was no way for me to obtain a License or State ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
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. (AR)

Complaint:
XXXX, XXXX and Equifax continue to report false information even tho I have submited the correct information to them and sent proof. I have tried over and over to get information corrected with no results. This is resulting in my credit score being in the XXXX XXXX and it should be in the XXXX XXXX. They are showing many false reports and I would like my credit score repaired and up where it should be. They do not investigate they just take whatever the credit card companys state and keep reporting it even tho it is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
XXXX - made a {$300.00} payment to my credit card. 

XX/XX/XXXX - payment cleared my bank account, but card still shows no available credit though the balance owed has decreased by the payment amount. 

XX/XX/XXXX - call customer service to see when available credit will be updated. Rep advised there was a payment hold that wouldn't be released until XX/XX/XXXX. I asked if there was a way to remove the hold as the payment has already cleared my bank account. Rep states we can conference call with my bank for her to verify the payment has cleared, then she can manually remove the hold. She put me on hold, called XXXX bank, then connected me with XXXX but fell off the call herself. XXXX said he was advised by XXXX ( Capital One Rep ) that we wanted to verify the transaction but without her on the online he's just verifying it to me, which defeats the purpose of the call. So, I call Capital One Customer Service back, and the same rep, XXXX, answers but says it wasn't her - that was someone else and quickly transfers me. The NEW rep then tells me they can't call XXXX to do a verification to remove the hold, and I told her I was JUST on the phone with a representative who actually CALLED XXXX and connected us but then dropped off the line. She says again they don't do that, so I requested to speak to a supervisor. The supervisor comes on and says they used to do manual verifications and removals of the holds but due to Covid 19 volumes they aren't doing them now. I advised her about the rep I had JUST dealt with that went all the way through the process of actually calling XXXX then disconnecting, to which the supervisor then says she probably disconnected because she realized she wasn't supposed to do that anymore. In all this roundabout of misinformation and flat out lying as far as I'm concerned with the original rep the verification could have been done and hold removed. There were NO extended hold times or extraordinary notifications of place in line of the phone queue for either Capital One or XXXX to make it seem like this would be putting anyone out. Who IS put out is me trying to access my line of credit that I made a payment to in order to be able to use the card for a time-sensitive purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Complaint:
Disputing the amount. Refuse to provide adequate information, XXXX Account {$4400.00}

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 2023-06-01
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. (NJ)

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
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: CRESCO CAPITAL INC. (FL)

Complaint:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Complaint:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (NM)

Complaint:
they are using different fake phone numbers. they call and hang up only when i call back do they identify themselves

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
i submitted a complaint to all three credit bureaus more than 30 days ago. the only company to respond back was XXXX. Transunion and XXXX failed to respond in the 30 days that they have as per FCRA guidelines. Since they have failed to follow protocol, which you, the CFPB is to enforce these guidelines, the proper actions should be taken against them

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 2022-11-30
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. (TX)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts/inquiries 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 XXXX XXXX  : Date XXXX inquiry : XX/XX/2022 ), and ( INFORMATIVE : Date of inquiry : XX/XX/2022 ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 non-monetary relief
Consumer complaint received 2021-01-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance Collection Agencies, Inc. (IL)

Complaint:
On XX/XX/2021 alliance debt collection agency called me and multiple members of my family stating there was a pending court case against my wife leaving voicemails about people coming to our house to find my wife

Company response to consumer: Closed with explanation