hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-05-29
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: Northstar Education Finance Incorporated (FL)

Complaint:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Balance {$2300.00} XXXX bank Open date octob XX/XX/XXXX XXXX XXXX  Open date og XX/XX/XXXX XXXX  cu Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-28
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. (CA)

Complaint:
On XX/XX/2020 i filed disputes with all 3 credit bureaus. I have yet to received a reply from any of them. Its has now been over 50 days and i feel that more then enough time to reply to my request.

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 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Complaint:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC. (MO)

Complaint:
On XXXX XXXX, 2017 I received a call from a number that I did not recognize. I did not answer the call. Not 30 seconds later the phone rang again with the same number. Again I did not answer. Again not 30 seconds later the phone rang another time. I finally answered it. This was at XXXX XXXX I spoke to a very rude person named XXXX. She said was with Cash Central and asked me for the last 4 digits of my SSN.  She informed me that I had a past due balance of XXXX. I asked why she called three times in a row and she then told me that she could do that and since it was before XXXX XXXX it was in her right to do so. She then went into this lecture about how I needed to pay my bills and if I had just been paid why hadnt I paid this bill. I told her that I did not have the money at that time and she then said " well I think you never intended to pay this. '' Granted I had made several payment to them in the past. This is only a few days past due. The payment was only due on the XX/XX/XXXX. I revoked ACH debits because I thought they were only going to take out a payment of XXXX and they took out a payment of XXXX. XXXX then demanded that I pay the full amount now and that if I did not they would only be forced to take this matter further. She threatened me and then she hung up on me. I called the place back. Got the same XXXX who then pretended to not know who I was. She then proceeded again to demand money and again tell me that I wasnt going to pay anything back. When I revoked the ACH I asked them to only contact me by email. I informed her of that and she told me that I wasnt going to get " special treatment '' and again demanded money by the end of the month and kept pressuring me to set up a payment with my debit card. I then asked to talk to her supervisor. Again very rude, very hateful. I have asked them not to contact me on the phone again. Calling three times in a row at XXXX is rude and disrespectful. The fact that I asked them not to contact me this way in writing and yet they still continue to harass people. XXXX continually threatened me with taking this matter further. It is not even 30 days late. The supervisor then yelled at me over the phone saying that she had other customers to take care of -- after she told me that this was a collections call and not customer service. These people are terrible and threatening that take advantage of people.

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 2022-12-07
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. (MD)

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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 2023-07-21
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: Experian Information Solutions Inc. (MD)

Complaint:
On XX/XX/XXXX I transferred by XXXX XXXX XXXX XXXX and XXXX XXXX balances to XXXX XXXX XXXX XXXX. On XX/XX/XXXX I filed a dispute with Experian letting them know the balance on my XXXX  card was incorrect. XX/XX/XXXX I received an email from Experian that after their investigation they would not change the information. As a result of the fraudulent information my credit score decreased due to the utilization.

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 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO. (CA)

Complaint:
I just got a preliminary title report on my house and I realized there was a XXXX " judgment renewal '' filed by XXXX XXXX XXXX on behalf of FORD MOTOR CREDIT COMPANY LLC. 

Apparently XXXX XXXX XXXX filed a lawsuit and obtained a " default judgment '' on some vehicle around XXXX. 

I don't recall ever having a vehicle financed by Ford Motor, nor I ever heard of a lawsuit against me on that matter. 

Today, XXXX, I called the office of XXXX XXXX XXXX at ( XXXX ) XXXX to find out what this was about, and a male representative answer the phone and after obtaining the last four digits of my social security proceeded to accuse me of " irresponsible '' for not paying my debt. 

This guy asked me if I ever owned a XXXX vehicle, I said back in XXXX there was some vehicles owned/leased by my company but my company was closed due to the Market crash of XXXX and I also stated that I never heard of a lawsuit regarding their claims. He proceeded to lecture me on " it doesn't matter if you were notified or not about the lawsuit, the bottom line is this is your social security and therefore you owe the money. ", He further stated " you just admitted you or your company owned this vehicle. Plus knowing or not knowing about the lawsuit doesn't exempt you from the debt ''. I told him that I didnt recognize this debt and if he could please provide me information about it, but he barked " I am not going to assist you in providing you any document for you to challenge this debt, you need to contact the court for that. You need to pay regardless. '' I asked him if he was employed by XXXX XXXX XXXX, he responded he was. At that point I informed him that I was recording the call and that I was going to complaint against them, because all I wanted to tell them this debt must be an identity theft, because I remember in XXXX a lot of people got their information stolen to the extend that thieves purchase not only vehicles but real estate properties. I told him my intention was to together work to find the truth, instead I got a very aggressive individual that basically called me a liar. 

This employee should be either re-trained or fired. He twisted every work I use to try to explain the reason of my call and tried to intimidate me by suggesting that even if I file a lawsuit against XXXX XXXX XXXX, since they do this every day, it would cost me a lot of money to fight them because they will prevail in the end. I felt like a criminal. 

Anyway, I need to find now an attorney to help me resolve this matter. In doing research of their lawsuit I see that they " published '' their notifications of the court in a newspaper. This alone is ridiculous because I have had the same address since XXXX and same phone number since XXXX. I don't know how XXXX XXXX or XXXX XXXX XXXX, conveniently they could not reach me. 

XXXX XXXX XXXX have very abusive collecting practices and they need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
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. (AL)

Complaint:
Creditor : XXXX XXXX Credit Bureau : Transunion XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Transunion on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Transunion who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, 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 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Complaint:
It has to do more than inquires. My credit scored dropped 23 points for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
Please see attachment. I am accused of a serious delinquency. I ask for WHAT and PROOF. I DENY any serious delinquency.

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 2019-01-27
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. (CA)

Complaint:
XXXX XXXX is erroneously reporting on all 3 of my credit reports and this account is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Complaint:
Back in 2017. I had Bank of America Checking account. I even had Direct deposit from my company that I still work for. The company name is XXXX to my Bank of America checking account. Furthermore, it was only direct deposit to my account for paying my mortgage and family expenses. I also had Saving Account that I had saved up {$26000.00} and I do not know where they go to or who withdrawal them.. 
I need to find about where it go. 
However, the account back in mid of 2017 that I did not authorize to anyone to do such thing that ruin my credit and reputation. Anyway, the account is closed and I lost my account, so help me find it please. 

Thank you, 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 2021-06-30
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. (FL)

Complaint:
I have explained to several people at Equifax that this account for XXXX XXXX XXXXXXXX does not belong to me. I keep explaining and speaking to people off shore each time providing documentation that they request and getting no resolution. I feel like they continually read from a script saying the same thing over & over but not attempting to help me correct this mistake. I have added a copy of the identity theft report as they requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
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: EQUIFAX, INC. (NY)

Complaint:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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: EQUIFAX, INC. (OH)

Complaint:
My Personal Information was compromised and there were a number of inquires I did not authorize. Have contacted Credit Bureaus on numerous occasions to have these fraudulent inquires done without my consent to be removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
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. (CA)

Complaint:
It has to do more than inquires. My credit scored dropped 23 points for no reason

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 2018-06-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TX)

Complaint:
Hello, I have a student loan that is open since 1999. Two months ago Navient took over servicing the account. They are now reporting the account as open two months, which dropped my credit score. I called Navient and was told that I have to send a copy of all three credit reports to their Dispute address. There was no person to talk to on the phone. 

In the last 5 years multiple companies have serviced my loan including XXXX and XXXX. Neither of which misreported the date that my student loan opened. 

I've sent a copy of all three credit reports to my Navient 's address. I included a printout of the Sallie Mae overview of my student loans - which clearly state that the account opened in 1999. 

What else am I supposed to do? How long do I have to wait to get this problem corrected? More importantly, why is the burden on me to run around and correct the problem. The Navient person told me on the telephone that she could see that the account initiated in 1999!! This company should be held accountable. 

Also, I called one of the reporting agencies directly ( XXXX ), the person on the telephone told me that I don't have any accounts open with Navient! So I have no idea what name they are reporting under.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BARCLAYS BANK DELAWARE (WA)

Complaint:
this company is reporting as a charge off and attempting to collect a debt even after providing proof of a chapter 7 discharge and a letter from my attorney. 

all three credit bearus have been notified and have not updated their records.

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 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Complaint:
It is customary and a precedence as well as consumer reporting practice to notate when an account is in dispute. This account was not notated as such, therefore mandating a removal of the account.

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 2021-08-06
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. (NJ)

Complaint:
There are 3 accounts reporting on my Equifax report that do not belong to me. 
The accounts keep coming back as verified when Equifax submits disputes for these accounts. Verification is confirming who the original creditor is, which is myself, XXXX XXXX. I submitted an FTC report to equifax and it was received by them on XX/XX/2021. 
The accounts are as follows : XXXX, XXXX, XXXX XXXX XXXX. Please block and delete these unauthorized accounts.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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. State of mi office chi XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX dept of EdXXXX XXXX, ,XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, 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.

Transcript Follow along using the transcript.

Company response to consumer: Closed with explanation