hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (IL)

Complaint:
On XX/XX/XXXX, I experienced the following : - My name was added to a credit card as an authorized user - The statement was set to generate XX/XX/XXXX. 
- The balance was paid, leaving approximately a {$50.00} balance - The payment was made via phone, because the online system was malfunctioning - The customer service rep advised us that payment would be applied and posted that day That did not happen and the credit card reported with a much higher amount, a maxed out balance. This is a problem for me, as I am in the process of closing on a mortgage. This reporting of the incorrect balance has dropped my credit score 40 points. I need the balance updated with all 3 bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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. (AZ)

Complaint:
This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
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. (CA)

Complaint:
XXXX When I first decided to exercise my rights under the Fair Credit Reporting Act, it was with an eye on challenging any information found in credit reports that are not accurate. I am ensuring the information on my consumer report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There is no proof that I'm delinquent or derogatory, so how can they report this? 

In accordance with the FRCA, 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 ACCT NUMBER : XXXX XXXX XXXX XXXX ACCT XXXX XXXX 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 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 explanation
Consumer complaint received 2018-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Gerald E Moore & Associates, PC (OH)

Complaint:
Brett Borlands office continues to communicate with me about a debt that they are trying to collect on after being told to cease communication with me since they are the second collector on this debt. XXXX XXXX XXXX is also collecting on this debt ACTIVELY as noted before, per their response on XX/XX/2018 via the CFPB. Ive also asked numerous times for a MOVE IN statement which conviently they wont produce, as XXXX is well aware that their residences are filthy and they pend previous damage on unsuspecting tenants as lawsuits and reviews are public to expose. However, I will have my attorney in contact with all three parties to determine what is legally acceptable after reviewing. I do know as of XX/XX/2018, neither of your agencies are licensed and bonded and authorize to collect on debt in Ohio, which are required per state law, which puts you in violation. Thank You and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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. (WA)

Complaint:
I submitted a letter to the 3 Credit Bureaus to adjust this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

Complaint:
I was a struggling XXXX XXXX XXXX when I was working on my XXXX XXXX. When I graduated I knew I was interested in the PSLF program. I reached out to my current loans and consolidated with FedLoan Servicing in 2012. I was really struggling financially to pay bills, feed my family, etc so I reached out and asked about my options and told them I HAD TO CONTINUE getting credit toward my 120 payments. I was advised to take an economic hardship and that it would count toward the 120 qualifying payments. I was told by MULTIPLE workers at FedLoan and therefore wasted years of time as they are now saying it doesnt count. I am begging for the DOE and FedLoan to count those payments, so many of us are counting on them. We were lied to. We were told wrong information numerous times. We were misled. We will now be putting our family in yet another financial hardship because of these lies. I have stayed with my non-profit company BECAUSE of the PSLF program and now I am back to square one. Please make them do what is right and what they said to all of us from the beginning. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (GA)

Complaint:
XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of {$890.00} and calling me after I have asked them repeatedly to stop to the point I had to block their phone number. This collection has been reported as past due. I do not know this company nor have I ever done any business with them. XXXX XXXX XXXX XXXX does not have a contract with my signature and I do not owe them a debt.

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 2023-05-23
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. (CA)

Complaint:
This is my XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX Balance Owed : {$3900.00}

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 2021-01-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Complaint:
I sent a certified letter for verification and inaccurate info on my credit report for account # XXXX XX/XX/XXXX To Experian Credit Bureau on XX/XX/2020. Experian received the certified letter on XX/XX/2020. 60 days past by and I never received a response back from them until XX/XX/2020 with no verification or info accuracy. The response time for investigation is 30days even with the extra days for covid this still was a violation of section 611 ( a ). Failure to investigate in 30days is an immediate removal from credit report. I demand that acct XXXXXX/XX/XXXX be removed from my credit report. This was a violation of my rights! I have uploaded receipt and letters to validate my complaint.Thanks

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 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Balance {$6600.00} Date Opened XX/XX/XXXX USAA FEDERAL SAVINGS BANK Balance {$9700.00} Date Opened XX/XX/XXXX Collection Agency XXXX XXXX XXXX Amount {$5200.00} Date Assigned XXXX XXXX, XXXX These accounts were made without my consent or authorization and has caused significant harm to my financial reputation. Despite my persistent efforts to rectify the situation, including MULTIPLE disputes, filing a police report, and submitting an identity theft report, the fraudulent charges has not been removed from my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

Complaint:
I spoke with XXXX XXXX XXXX, a Debt Collector on XX/XX/XXXX about this account listed on my Credit Report. They said that the Creditor was XXXX. I informed them that I do not have and never had a XXXX Account. They said for me to call XXXX. I call XXXX on XX/XX/XXXX, they transferred me around, and finally the lady ask for my Social Security Number. I  said no I will not give you my Social Security Number, she informed me that she could not look up any information without my Social Security Number. So she said, you would have to dispute it to the Credit Reporting Companies and they would call they to get more information. I tried disputing it with them on XX/XX/XXXX, I was only able to dispute with XXXX XXXX XXXX, on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (TX)

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

Complaint:
on XX/XX/2020 i Contacted XXXX, Equifax, And XXXX  about inaccurate information reporting to my credit report. According to the fair Credit Reporting Act section 609 this companies are required to verify information being reported on my credit report. On XX/XX/2020 i followed up with the bureaus because i Didn't get a response. Today is now XX/XX/2020 and i still have not received a response. I have been waiting for well Over 60 days this a a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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. (FL)

Complaint:
Accordance with the Fair Credit Reporting Act XXXX  Account : 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 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 instructions.

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 2022-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE (CA)

Complaint:
I have had reoccurring problems with my bank, Charles Schwab, refusing to grant me access to my funds in what amounts to a pattern and practice of withholding funds. This pattern has been ongoing for over a year, and I have attempted to resolve it with the bank many times to no avail. For example, in XX/XX/2022, I was in California and tried to put a rental car on my debit card ; Schwab declined my card, and when I called the bank, the representative put me on hold for nearly an hour even though I told her the card was in my possession and I was a valid card holder. Similarly, on XX/XX/2022, I was in XXXX XXXX XXXX, and I tried to place an XXXX on my debit card. Schwab declined the transaction, and when I called to tell them it was valid, they claimed another name was associated with my account, even though I had been validated through the online system, and they confirmed my account security code. Most recently, on XX/XX/2022, Schwab sent me a text telling me that my account had " fraudulent activity '' ; I called the number online, and validated the transaction with a person from the brokerage side, who then emailed me a number for the bank ( on the bank website ) that was broken ( despite me previously having told Schwab the number was broken and that this violated consumer protection laws. Later that day, even after validating the transaction through Schwab 's automated system, my purchase for a pair of glasses was denied. Later, a Schwab customer service representative told me that there was a fraud alert on my card, even though I had resolved it. There are many more incidents like this that I could relate. For CFPB 's information, I am a lawyer, and I take concerns like this very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2018-02-22
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. (DE)

Complaint:
Received Letter dated XX/XX/XXXX from XXXX XXXX XXXX ( Home Improvement Account ) thru XXXX XXXX   issued cards stating that they were lowering Credit Limit to {$7200.00} from 10,000 Derogatory public record or collection filed Ratio of revolving balances to credit limits too high Proportion of loan balances to loan amounts is too high Too many inquiries in the last 12 months I obtained the same report as they did thru Equifax Credit Information Service I call Equifax & Credit Card company ( Credit Card Company would not commit on which reason listed above was for the decrease in line. They dumped it on the Equifax credit profile as what the reasoning for the Decrease.  Equifax has nothing to do with lower my credit card limit. They only report findings & it is up to the Bank issuer to do what they want with the report!!!! 

About my Credit Report : My Discharge Bankruptcy was on my Credit Report when I initially took out the Home Improvement loan. 

No other Derogatory or collections open then or NOW I had ( 3 ) Inquiries in ( 1 ) year & nothing recently Ratio of revolving balances to credit limits too high -- - NOT TRUE nothing has been opened since this Account opened, and all outstanding debts have been paid as agreed and the Home Improvement was PAID initially in XX/XX/XXXX with {$3000.00} towards open balance which PAID THE LOAN DOWN CONSIDERABLY. So I have paid loan down far better than minimum payments!!! 

I feel I am unfairly being treated under the Fair Credit Lending Practices!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: In progress
Consumer complaint received 2018-04-13
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. (FL)

Complaint:
They spying on me, inventing information about me and selling it, they are watching me, stalking and peeking without permission and against the law of privacy protection, they spread lies and lies about me, they hurt me, my family, our future, my good name and my livelihood. 
No one gave them permission to use my name or my details

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