hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-05-10
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. (MI)

Complaint:
I have submitted a dispute with all three credit bureau 's regarding a fraudulent credit card which was opened in my name from XXXX XXXX XXXX. I was not given any proof of my authorization for opening the account from the creditor when asked. The creditor can not provide proof I authorized the account yet will not remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
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. (MS)

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Collections-I, LLC (AZ)

Complaint:
I contacted the company to verify the debt that was being reported on my credit report.  It was a supposed debt for my minor daughter. When I asked the collection company to verify the debt for me. I asked for them to verify this with very specific information that would not violate HIPAA. However, the information they provided violated my HIPAA rights by sending confidential medical treatment information for my daughter. I asked them to remove the reporting in a letter since they violated my HIPAA rights.  I did not get a response to my letter.  I sent a letter to the original creditor and the collection company and still never received an error.

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 2021-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (OR)

Complaint:
US Bank is advertising a 0 % APR ( Annual percentage Rate ) for a balance transfer for 15 billing cycles. Yet Because they charge a 3 % fee for the balance transfer the actual APR is of course 2.4 %.

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 2018-09-17
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 (SC)

Complaint:
I've contact the company regarding the late payment that was incorrectly reported and the update was supposed to be taken care to remove late fee status to current, but hasn't been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MA)

Complaint:
Hello Manager ; Something is wrong with the way this is reporting. There is no way that these companies ( XXXX, XXXX, and XXXX ) investigated this student loan from NAVIENT. The same information continues to report on my credit. I honestly don't believe I that the information reported is correct on this student loan and I don't agree with the total balance that they are reporting on my credit, the fees that i been charged, the open date, and the monthly payment and inconsistent dates of last payment. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports different dates of last payment, date of last activity, and questionable balance, etc Also, Hows it possible that youve reported those inconsistencies and errors if those info are furnished by the same company? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Complaint:
Experian has changed my name to a name that is not mine on my credit report without any legal documentation in that name on file. They are refusing to change it back without me submitting multiple forms of ID. And refuse to acknowledge their error.

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 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Complaint:
Dear Sir or Madam. 

A recent review of my credit report turned up information that is inaccurate. Please refer to the attached report, where I have circled the item ( s ). Please remove the below addressed and employment history from my credit report. 

Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX AV XXXX, FL XXXX Employment : XXXX XXXX XXXX XXXX XXXX Please investigate these matters and delete the disputed items as soon as possible. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
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. (NJ)

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 2022-11-03
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: EQUIFAX, INC. (CA)

Complaint:
On XX/XX/XXXX I sent a request for debt validation to the debt collector ( XXXX XXXX XXXX ). On XX/XX/XXXX they have not sent me a debt validation. They have missed the XXXX validation deadline and as such, I need the credit Bureau to remove the collection from my credit report. As is my right under the Fair Debt Collections Practices Act. ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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. (TN)

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 XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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. (FL)

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. 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. These were already included in my prior complaint and I'm including them 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

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 2017-08-13
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. (CA)

Complaint:
XXXX When all bills are paid on time my score never increase XXXX points and when late they decrease XXXX points why? XXXX XXXX card XX/XX/XXXX phone XXXX I did not request a credit card in m name and a police report is on file. XXXX XXXX phone XXXX XXXX XXXX XXXX A credit card was issued in my name to a difference address and charges was made A police report is on file because I did not request this card.XX/XX/XXXX. XXXX 's was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX was paid XX/XX/XXXX All educational student loans are paid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Risecredit, LLC (DC)

Complaint:
RISE has reported an account in collection to the XXXX  credit bureau. I have contacted them numerous times by mail requesting validation of this account. They did not provide any details about their authority to collect this debt, a copy of the last billing statement sent to me by the original creditor, or provide a copy of the written agreement that created my original requirement to pay. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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. (CA)

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2023-02-26
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: The Savings Group, Inc. (CA)

Complaint:
Falsely gave permission to the following parties, using forged consent, to create hard iniquities on the following reports : XX/XX/2023 XXXX XXXX XXXX XXXX Credit Report XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Credit Report. 

XX/XX/2023 XXXX XXXX XXXX Credit Report. 

XX/XX/2023 XXXX credit file locked for security reasons. 

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX  XXXX Credit Report XXXX XXXX : Organization : RateGenius , Inc . 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Country XXXX XXXX XXXX : XXXX Fax : XXXX Email : XXXX 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 2020-07-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-10-30
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: Nelnet, Inc. (TX)

Complaint:
Nelnet is denying me of my rights as a consumer!! 15 U.S. Code 1681 c-2- Block of Information resulting from identity theft clearly states the information required for a consumer reporting agency to block and delete information reporting on a consumer file. [ ( a ) Block except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 BUSINESS DAYS AFTER the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer ; - iI have provided ( 2 ) a copy of an identity theft report, I have provided ( 3 ) the identification of such information by consumer ; and I have provided ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by me the consumer. Evidently, Nelnet does not comply with Federal Law and/or believes itself to be above the law. You have no right to deny me my consumer rights!! I have provided everything necessary to block this information. These are the accounts in question : Nelnet XXXX, Nelnet XXXX, Nelnet XXXX XXXX Nelnet XXXX. I have also attached the promissory note they sent me. Line XXXX is NOT my signature. Nelnet should have my signature on file and this will not be what they have. Even XXXX XXXXXXXX references are not my handwriting. Nelnet should have many samples of my signature and handwriting. This is a clear case of someone fraudulently forging my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
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. (MA)

Complaint:
I just spoke with Transunion with regards to an abundant amount of Fraud/Unauthorized inquiries that I noticed on my report, from XX/XX/XXXX. On XX/XX/XXXX I went to purchase a car from XXXX XXXX in XXXX. I had a previous auto Loan with then ( XXXX XXXX supplied the loan ) for my last car. The finance manager told me he was going to compare XXXX XXXX and XXXX XXXX ( which were my last XXXX auto loan providers ). I just noticed today that my credit report showed several unauthorized Inquiries from that date. I just spoke to Transunion to get these removed and they literally are trying to send me on a wild goose chase to remove these inquiries, which obviously was a malice act by the dealership to get my autoloan approved by any and every finance company known to man " WITHOUT MY CONSENT ''. I asked them to remove the following inquiries : 1 ) XXXX XXXX XXXX, 2 ) XXXX XXXX XXXX, 3 ) XXXX XXXX, 4 ) XXXX, 5 ) XXXX XXXX ( Only XXXX XXXX inquiry should remain ) The only authorized ( valid ) inquiries on XX/XX/XXXX, were XXXX and XXXX ( yes XXXX inquiries on XX/XX/XXXX into the same company, but obviously XXXX of those inquires can stay. Please take this complaint seriously, as this has to be in some way a violation of my consumer rights, and an egregious act by a vendor. Thank you for any help you can provide in this situation, as I am simply looking to have these inquiries removed from my credit report, in as SIMPLE OF A MANNER as they were put on there without my consent. Thank you

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 2021-08-11
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:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Complaint:
Hello I hope you are having a excellent day. Recently I have filed a dispute with the credit reporting agencies because of inaccurate information reported on my credit, which is hindering me of getting more credit. To this day I have not received any updates from them regarding the investigation that is suppose to take place. I have sent out the necessary letters and also gave them the necessary time frame to dispute all inaccuracies and reach back out to me but alas they have not reached back out to me. I also filed a 30 day demand letter in order for them to update me on the investigation but also I have not heard from them. This is very important for me because as stated earlier I can not receive any high end credit because of the inaccurate information the credit bureaus reported on my credit. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
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. (MI)

Complaint:
I have tried on a numerous occasions to file a dispute with Transunion but they will not remove XXXX collection account from doctors that's is not mine. They removed them and then the next month put them back on my report. I told them I have never seen these doctors. I was also told it's against Hippa laws any medical collection to be on my report. I don't know if that's true all I know is that these are not my doctors. And now I can't see my credit report from Transunion at all but today I was denied credit because of a recent charge off that they're reporting I had. This can't be fair at all.

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 2022-09-26
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:
In accordance with the fair credit reporting act XXXX Account XXXX XXXX, XXXX ACCOUNT XXXX, XXXX ACCOUNT XXXXXXXX XXXX XXXX ACCOUNT XXXX, XXXX XXXX ACCOUNT XXXX, XXXX ACCOUNT 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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