hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-11-03
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. (VA)

Complaint:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were 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. The items listed below were not mine : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$390.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on 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 explanation
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Complaint:
Portfolio Recovery Associates has been improperly reporting two separate accounts to XXXX credit agency. The two separate accounts are for XXXX XXXX XXXX XXXX  and XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Portfolio Recovery Associates has been reporting both accounts to XXXX as in an open status. They are both paid accounts. XXXX XXXXPRA was paid XX/XX/2016 for the amount of {$950.00} dollars. XXXX XXXXPRA was paid in the amount of {$600.00} XX/XX/2016. They should not be listed as an open status. They should be listed as paid and closed. Portfolio Recovery is listing that the two separate accounts are in a derogatory status upon XXXX  credit reports. They should not be listed as in a derogatory status. They have both been paid. I have not had any successes with my personal interactions in correspondence with Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
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. (NY)

Complaint:
I have paid off the balance to my credit card back in XX/XX/2021 and the credit card company is not reporting correctly to the credit bureaus the balance should be XXXX they are reporting i have a balance of XXXX dollars also they reported the card closed when it shouldn't be closed this has caused me stress time from my job to keep calling and getting refused an apartment

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 2022-11-29
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:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance - ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$630.00} XXXX XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-01-01
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. (NV)

Complaint:
To whom it may concern, I have noticed a discrepancy on my Equifax Credit File. I had a student loan with the " Department of Education '' that I paid off in full in XXXX of XXXX. However on my Equifax credit file this creditor is reporting Paid/Closed but with 6 charge offs, 7 lates and a past due balance of {$1400.00} which is incorrect. The account number in reference on my Equifax report is # XXXX. 

This account should be reporting as paid in full and closed, with no charge offs or late 's due to the fact that the late payments noted are XX/XX/XXXX to XXXX of XXXX which is definitely incorrect. The Creditor was paid in full of XXXX of XXXX with no balance left whatsoever so for this creditor and Equifax to be reporting 7 late 's and 6 charge offs after is mind boggling to me, especially when the report itself shows my balance as {$0.00}. I need this information updated correctly within 30 days under the FCRA guidelines and regulations of all reporting agencies and creditors must report accurate and correct information. 


Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX Date : XXXX Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Dear Sir/Madam XXXX I am writing to request the immediate removal of credit accounts associated with XXXX account # : XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for [ XXXX ] to report my information, as required by 15 USC Code 602 ( a ).

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated. 



Sincerely, 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 2019-11-09
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. (FL)

Complaint:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2018-01-08
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:
XXXX XXXX XXXX is reporting wrongful payment status in XXXX and Experian credit report. My Experian credit report shows late payment for the month of XXXX, is false information attach is payment receipt. made on time.My payment due date is was not until XX/XX/2017.

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 2016-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc. (FL)

Complaint:
The debt was from XXXX, XXXX which said that I owe {$870.00} to XXXX service at an address I never lived. I sent a letter to XXXX XXXX, XXXX. enclosing all the information that they asked for which included an XXXX bill, a copy of my social security card, my driver license and a police report. So for two years everything was fine. Then XX/XX/XXXX I started to get Collection notices from CCS USA CREDIT COLLECTION SERVICES. I called them and they were very rude and said that I owe this money and that the service was for address that I currently live at which is not true. The services was at a different address. I spoke to a man named XXXX who said he would call me back the next day of which he did not. I waited another month and called again and was told the same thing. To this date there has been no action done and it is still sitting on my credit report. It is the only negative entry on my credit report. I am XXXX years and I have never had a negative entry on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
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: JPMORGAN CHASE & CO. (TX)

Complaint:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (CA)

Complaint:
I have an available balance in my account - i use the money - then i have an automatic draft hit my account and bring me a negative balance at which point all the transactions that i did before this will get an overdraft fee. VERY UNETHICAL

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
My credit report is showing late payments on XXXX  XXXX / XXXX XXXX and XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.

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 2020-01-31
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: TD BANK US HOLDING COMPANY (DE)

Complaint:
XXXX  and XXXX  giving my credit report to companies without my consent. 
companies accessing my report without my consent These companies illegally pulled my credit unnecessary and with out my approval XXXX XXXX XXXX XXXX XXXX XXXX, on XXXX  XX/XX/XXXX Td auto, on XXXX  XX/XX/XXXX XXXX XXXX, on XXXX  XX/XX/XXXX XXXX XXXX, on XXXX   XX/XX/XXXX on

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Complaint:
XXXX XXXXXXXX XXXX XX/XX/2017 XXXX, IL XXXX Hard inquiry - Needs to be removed Not authorized XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX, IA XXXX Hard inquiry - Needs to be removed not authorized XXXX XXXX XXXX XX/XX/2017 XXXX XXXX, MI XXXX Hard Inquiry Needs to be removed Not authorized XXXX XXXX XX/XX/2017 XXXX MN XXXX Hard Inquiry Needs to be removed not authorized XXXX XXXX / XXXX XX/XX/2017 XXXX XXXX, MN XXXX Hard Inquiry Needs to be removed not authorized XXXXXXXX XXXX XX/XX/2017 XXXX XXXX, mn XXXX Needs to be removed not authorized hard inquiry XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX CA XXXX XXXX XXXX, MN XXXX 2 on the same day - Please delete hard inquiry not authorized XXXX XXXX XX/XX/2017 and XX/XX/2017 XXXX XXXX XXXX XXXX TX XXXX Hard inquiry please delete not authorized XXXX XXXX XXXX XXXX TX XXXX Hard Inquiry needs to be deleted not authorized XXXX XXXX XXXX XXXX XX/XX/2017 XXXX LA XXXX Needs to be deleted not authorized XXXX CO Dual Card XX/XX/2017 XXXX, FL XXXX Needs to be deleted not authorized XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2017 Not authorized Needs to be deleted.

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 2022-01-27
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: The CMI Group, Inc. (TX)

Complaint:
I am a federally protected consumer, and I have an update to the complaint filed previously please review the attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

Complaint:
On XX/XX/22 I sent in letters to have incorrect information removed from my credit profile.

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 2020-09-09
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: Experian Information Solutions Inc. (LA)

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach 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 explanation
Consumer complaint received 2018-09-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

Complaint:
I took out loans to go to college in XX/XX/XXXX. Originally these loans were through Sallie Mae, the first two loans were cosigned by my father as I was not legally an adult yet so those have the lowest interest rates. After I turned XXXX, the loans were solely under me and the interest rates doubled. The total amount I took out in loans was around $ XXXX with the interest that I now owe, the loan balance is over $ XXXX. The interest is literally crippling not to mention impossible to pay. When Sallie Mae went bankrupt in XX/XX/XXXX they turned the loans over to Navient who made them private student loans, it is my understanding that they were originally federally backed. Thid would have made them eligible for income based repayment, consolidation and forbearance now they are not eligible for any of those programs available. I pay $ XXXX/mo in student loan payments when I make XXXX a year and they refuse to work within my means. The amount of money that I pay to them every single month does not even touch the interest that continues to bear on each of the loans which are all individually accruing at different rates. It has destroyed my credit and I am literally working backwards, it seems like there is no way out of debt or even a possibility to make it a manageable payment. There has to be some sort of feasible solution to make the payments affordable and to improve my credit, I pay on them every month and I am basically throwing the money down the toilet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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. (NY)

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2022-07-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp. (KS)

Complaint:
On XX/XX/2022 This company sent an email to my daughter about a debt they are attempting to collect from me Included in the email were details and account numbers. I had never provided them with her contact information. They have also not notified me about any right to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Complaint:
On the account with Equifax, I have written them numerous times as well they are showing an account with XXXX XXXX XXXX as inaccurate with an updated Date of Last Active which matches the Date of Last Reported. This shows they updated this account and Re-aged this account which is now a violation. Along with the fact that the High Credit Limit is matching the Balance which is inaccurate. This account is not a joint account and if they had actual proof they would have provided that because the method of verification was asked for numerous times. I have also asked for an independent investigation because due to XXXX XXXX XXXX it is required and they have yet to provide this information. I have been pushed to place in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (NY)

Complaint:
I tried to make a deal with the company HONDA FINANCIAL SERVICE I offered to catch up and continue paying the normal monthly payment and they told me that the vehicle had to pay it in full or deliver it, I decide to the situation that we are all going through, it was difficult for me to catch up

Company response to consumer: Closed with explanation