hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Complaint:
15 U.S.C 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Accounts should be reporting 100 % accurate information across all 3 credit Bureaus ( XXXX, XXXX and Experian ).

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 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

Complaint:
I have repeatedly requested method validation of a bankruptcy reference XXXX reporting on my credit report and the agency refuses to comply. US Bankruptcy courts do not verify cases. And as of the new law effective XXXX XXXX, 2017 any public record reporting on a credit file must contain name, address, SSN and DOB. The bankruptcy record does not include this information and per the new law should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Complaint:
I contacted by my Capital One/XXXX credit card collections department on or about XX/XX/18 about my credit report saying my account was closed but my account online saying it was open. I was made to believe that my account was only closed until my balance was below my credit line, then I would be reopened. On XX/XX/18 I checked my credit report again and it still said the account was closed even though I now had available credit according to my online account. I submitted a dispute with XXXX on XX/XX/18. On XX/XX/18 I got the results saying it was closed with a freeze on file updating. I contacted Capital One/XXXX  on XX/XX/18 inquiring about why it was being reported as closed now that I had available credit and explained what their collection department had led me to believe. They stated that they the collections department may not have had access to all the account information. I asked if they routinely made deceptive claims in order to get customers to pay. The only thing she kept referencing was the cardholder agreement saying that was all that mattered and not what/how a debt collector tried to collect the debt. I am wanting a copy of the audio call in which I agreed to make a payment, and of what the debt collector told me about my account. I know the call was recorded as they made me aware that the call was being recorded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Complaint:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct the following items in my file ASAP. Thank you, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove any accounts that 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 is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$120.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX XXXX XXXXXXXX Balance Owed : {$610.00} XXXX XXXXXXXX Balance Owed : {$40000.00} XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$1300.00} XXXX XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IL)

Complaint:
I opened an interest checking and savings account with Citi bank online. I have a credit card with them and a closed checking account. I had to wait until I got the debit card to register my account online. When I did, I was told that I had to call. 
I called and was on the phone for an hour, literally, and talked to FIVE different people. At first they said my account was blocked but then they said it was unblocked and that I should wait 24 hrs to try to register. I didn't trust them so I waited longer. Got the same message to call and I did and they said it was STILL blocked and that I had to send them additional documentation ( different documentation than they requested the first time AND there was no mention of these documents in the welcome packet they provided which did say that there may be additional documents to be sent in but there was no docs listed ). 
I called again and talked to two different people who said that there was still a block and that they'd send a docusign link in 24 to 48 hours. 
They were able to take my {$1500.00} out of my other accounts immediately but they can't give it back and have now blocked my access to my money.

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 2020-09-08
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: Nationwide Credit & Collection, Inc. (TX)

Complaint:
I have had these accounts on my credit that I have been trying to get off and they have not been getting taken off for some reason. I got in touch whit XXXX and was told that there was no longer even a balance to the fraud account that is reporting on my credit from them and they have failed to provide me with any documents of any signed documents showing my signature with the date because the date it says the account was opened in XX/XX/XXXX I was not yet living in XX/XX/XXXXand there are no XXXX in XXXX XX/XX/XXXXwhere I moved from. Also the other fraud accounts just started reporting and I do not know how a hospital collection would even end up on a credit report because my aunt is a nurse and informs me they ask people multiple times for them to verify themselves and I dont know how someone could of got my information to use it to go to the hospital. I have the letter attached that I sent to the bureaus about this and the date for when I sent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
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 — Investigation took more than 30 days
Company: CCB Credit Serivces, Inc (TX)

Complaint:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days, and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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. (NC)

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 U.S.C 1681. 

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 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 2022-03-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Complaint:
I received a letter, on XX/XX/XXXX, from XXXX online banking ( XXXX XXXX XXXX, XXXX, NY XXXX ), that my account was closed on XX/XX/XXXX ( See attachment ) and the funds transferred to Citizens bank. I did not authorize the transfer nor was I given any advanced notice of the pending transfer. I was getting .XXXX  interest and, with Citizens, I only receive XXXX interest. When I attempted to close the account online, via a funds transfer, I received an error message stating that it could not be made because the transfer exceed the maximum amount. I then contacted Citizens ( Main office - XXXX XXXX Bank XXXX, XXXX, XXXX, RI XXXX - customer service t ( XXXX ) XXXX ( XXXX XXXX XXXX, Branch manager ) and was told that there is a transfer limit of {$10000.00} per day ... Or, if I did not want to make DAILY TRANSFERS of {$10000.00} until I reach a zero balance, OR I could go to a local branch ( A FOUR-hour drive ) to close the account. I explained that I did not open the account at their bank and, therefore, I did not agree to any of their limits on transfers. His answer : " Sorry for the inconvenience. You also can send a Notarized letter to the bank and ask to close the account which would take up to 10 days to process. We will then mail you a check as soon as your signature is verified. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Complaint:
I have been a customer of 5/3 Bank since XX/XX/XXXX and had good expierences with them up until XX/XX/XXXX. I did a mobile deposit to Acc # XXXX and was given {$100.00} available upfront. On XX/XX/XXXX the funds were not available and the bank took back the {$100.00} in funds that were given upfront. I was advised on XX/XX/XXXX that the funds would be available fully on XX/XX/XXXX. I disagree with the decision. On XX/XX/XXXX I went to my local bank branch and spoke with XXXX regarding the extended hold and explained I have never had an extended hold placed on a deposit before ever in 4 years. I also brought proof that the business I deposited had cleared from the other bank and showed a statement where the funds were available from the other bank account at the other institution. The local branch at 5/3 has done nothing to help me receive the funds any earlier with the proof that they cleared. It is 7 days before the XXXX Holiday and now im without funds to pay for my bills, living expenses and XXXX for my family. I have attached a copy of the Reg CC hold guidelines that the bank claims they did to my deposit. I was never given the first {$100.00} and my hold was longer then 5 business days. The deposit was less then {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (TX)

Complaint:
CAPITAL ACCT is claiming that I owe them {$220.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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. (NY)

Complaint:
It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
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: Experian Information Solutions Inc. (PA)

Complaint:
There are several inquiries on my credit report that I did but give authorization to nor was I aware of. 
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

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 2021-12-09
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. (FL)

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. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXBalance {$0.00} XXXX XXXX XXXX-Balance {$400.00} XXXX  XXXX-Balance {$1000.00} XXXX XXXXXXXX-Balance {$590.00} XXXXBalance {$1900.00} XXXX  XXXXBalance {$20000.00} XXXX  XXXXBalance {$1100.00} XXXX XXXX XXXXBalance {$14000.00} XXXX XXXX XXXXBalance {$3500.00} XXXX XXXX XXXXBalance {$15000.00} XXXX XXXX XXXXXXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2021-10-27
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: U.S. BANCORP (MN)

Complaint:
On XX/XX/XXXX, I opened a checking account as representative payee for my XXXX  and XXXX brother, to manage his social security XXXX payments. I worked with a local client relationship consultant to open the account. Five days later I traveled out of town to spend time caring for my brother, who lives in a different state. 

Upon returning to my home, on XX/XX/XXXX, I opened the mail that I had received. One of the mail pieces was from US Bank, dated XXXX XXXX, informing me that my credit card was declined due to missing signature consent. I called the customer service number listed in the letter and was told that the credit card had been applied for directly from the branch where I opened the account, and that it was applied for with the assistance of the banker. I did not apply for this account. I was advised to call the branch office. 

On XX/XX/XXXX, I called the bank manager for the first time. He stated that he opened an internal investigation. Once I filed a police report, I received another call from the bank manager, stating that he completed an internal form for investigation. I still do not know if there was a hard hit to my own social security number/credit, or to my brother 's social security number/credit bureaus, as the bank manager has not told me that. I have been forced to close my account and re-direct social security funds, and have had to freeze credit with at all bureaus for both me and my brother. US Bank refuses to acknowledge their part in the chaos that they have caused in my life. They need to be held accountable for their actions, and both me and my brother deserve an apology. A company doesn't " accidentally '' apply for a credit card when opening checking accounts .... Others need to be aware when opening checking accounts through this bank that this can happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

Complaint:
card was cleared, went to use card and account was frozen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (PA)

Complaint:
Several Payments are being reported as late on my credit report. I had a payment plan set up and was making consistant payment every month on this account. This time frame for the reporting should be coveredd under the Cares Act and the payments should not be reporting late, I have tried to disput with the CRA as well as the company I recently opened another disput today to have these errors 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 non-monetary relief
Consumer complaint received 2023-01-10
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. (WI)

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 2018 XXXX XXXX, 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. Account isn't 49 days past due.

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 2017-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (SC)

Complaint:
This collection agency was asked to remove this collection from my credit report after being paid in full and has stated that they could not remove this item. That was an un-true statement. Other collection agencies have removed the collections from my report after being asked to when paid in full. This collection agency is being difficult for some reason. I am no longer liable for this utility account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

Complaint:
I was never told about any options due to student loan forgiveness programs or income driven repayment. I was told to keep applying for forbearance and deferments. My loans are in default and i can not afford the payments with all the interest.

Company response to consumer: Closed with explanation