hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-07-03
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. (NY)

Complaint:
I have excellent credit.  XXXX   XXXX  inquiry should be removed    XXXX    2017   . Still appears according to my credit card company. Removing it would cause my score to increase  XXXX  to  XXXX  points. Tried to access report #  XXXX  online to dispute. Could not.

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 2022-02-19
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:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$54.00} XXXX XXXX XXXX  : XXXX -- -> : {$260.00}

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 2023-03-14
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: Georgia Student Finance Authority (GA)

Complaint:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
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:
Ive been a victim of identity theft

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 2023-06-18
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. (NC)

Complaint:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aswad & Ingraham, LLP (NY)

Complaint:
Someone showed up at my door claiming to be law enforcement and said he had an arrest warrant for me but if I contacted the agency he wouldnt have to arrest me. He has shown up twice wearing a badge around his neck. I didnt ask him to show me his badge but I will next time he shows up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
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: Conn's, Inc. (TX)

Complaint:
Someone opened an account at conns got furniture.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

Complaint:
Experian Credit Reports, a Collection Account, posting wrong information that is not mine. Experian allowed XXXX XXXX XXXX to post information that is not mine, negatively damaging my credit score. Contacted Experian, and they basically told me that I have to fix it myself before removing from my credit report. Contacted XXXX XXXX agency, and no one answers, you just fill out an online inquiry for call back. The wrong debt posted to my account was for XXXX services to someone and to an address that I've never lived in. XXXX basically gave me no options for resolution, other than fill out another online inquiry. 

Fraustrating to a Customer that strives for good credit, get wrongfully put to a collection agency and afftects my credit score, and lives my no good option to resolve.

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 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Complaint:
There are accounts on my credit report that are inaccurate and not verified.

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 2021-05-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Complaint:
Good Day, This is my second time to report all three credit bureau 's .I have disputed these items over many times already and they still remain. so I'm reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Complaint:
Unfortunately, this is my third time reaching out regarding this Bank of America account. This account is inaccurate and fraudulent and it needs to be removed from my credit report. I received a letter from XXXX stating the information was validated but there was no information as to how this information was validated, no proof was provided regarding my consent of this 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 explanation
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (TX)

Complaint:
I opened a SERVE checking account and was only making deposits into this account for things I needed in the future. I requested the Bank to pay a bill by depositing money from my account into another account XXXX. I Provided my account number for the XXXX deposit and I waited to see the money be transferred into my account. It was on the XX/XX/2023. After attempting to call this Bank customer service I found that the only way to get in touch with a live agent was to go through the list or stolen card prompt ; I did talk to many many agents who just shuffled me from one person to another. I finally called XXXX to see what could be done after SERVE insisted that I call them to get a resolve but they could not do anything but advised me to keep checking my account. Finally a check arrived to my mailbox addressed to XXXX, with the XXXX account number on the check. I called XXXX back after I could not deposit the check via mobile app without direct deposit but they advised me to take the check to XXXX, XXXX or XXXX which are stores that can handle a deposit of funds into my account. After visit XXXX and other stores they inform me that they could not deposit the check because it was not in my name but made out to XXXX. I even tried to deposit the check into my personal major Bank account but again was told that the check had to be playable to me, in my name to be able to cashed or deposited into my account. After this I began to be Leary and called SERVE Bank on several occasions and tried to explain my situation asking that they cancel the current check and replaced the money back into my account. After countless of unexplained dropped calls the customer service representative just hang the phone up in my face and now it seems as if my phone number is recognized and it is not even being answered now. I have vowed to get my money out of this bank and close the account but I need help with this problem. I am not able to get a resolution or response to the right person to fix this wrong and it it just not right to withhold my money like this. I am seeking your help with this situation and I thank you in advance for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-04
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. (TX)

Complaint:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MS)

Complaint:
On XX/XX/2022 I received an Inquiry from JPMCB Card. And I already reported it to the Credit Bureau. They had no right to pull my credit and I never applied for anything from that bank. There was no permissible purpose and is a violation of the fair credit reporting act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NE)

Complaint:
Over the past two years I have been paying monthly payments to XXXX XXXX now Navient through my bank 's bill pay service. These payments have been accepted by Navient using the Navient account number I used to set up my bill pay service up until XX/XX/2017. I learned by phone on XX/XX/2017 that my Navient account was delinquent. I checked my bank account and found that the payment I made on XX/XX/2017 had cleared my bank account with Navient as the payee. I contacted Navient who stated they required a copy of my bank statement showing this debit to the account which I provided and Navient has confirmed its receipt. I was told to wait for their research process. I contacted them today ( 6 days following initial contact ) and found no progress had been made. They suggested something was incorrect with my billpay service. I contacted my billpay service through my bank and confirmed that payments made to my Navient account over the past year had been accepted by Navient to the account number specified. I did learn though that this most recent payment had been returned by Navient to my account with the indication that the account number did not exist. I verified this information again with the bill pay service representative who stated again that was indeed the notation made by Navient. I had not changed any account number on my bill pay service since the time I initially setup the bill pay account. I contacted Navient again this morning who told me the account number I have been paying to for the past several years was not an active account and did not exist. They informed me of a " new '' account number that I have. They stated that this was likely the cause of my returned payment. I have now been charged a delinquent account penalty and have lost the interest and reduction in principal on my account for the past month. Navient acts as if I had never made the payment on XX/XX/XXXX even though it is clearly shown on my bank statement and the funds were removed from my personal checking account on XX/XX/2017. So, how were my payments accepted for the past several months to an account which according to Navient does not exist? And how did I receive this " new '' account number? And finally, can I recoup my lost interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
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: Experian Information Solutions Inc. (GA)

Complaint:
XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX, Account Number : XXXX, has violated my rights to Privacy and Furnish a Account WITHOUT written consent. 

[ 15 U.S.C. 1681 ] 602. Congressional findings and statement of purpose ( I have a Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

[ 15 U.S.C. 1681b ] 604. Permissible purposes of consumer reports ( A Consumer Reporting Agency CAN NOT FURNISH a account with my written instructions ) ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They have the account listed as a joint account and I did not give permission for that joint account to be opened.

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 2022-11-24
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. (MN)

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. And In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX / amount {$1700.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX amount {$3500.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$4300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2800.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$230.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX /amount {$3000.00} Account name : XXXXXXXX XXXX XXXXXXXX /amount XXXX XXXXXXXX PAID OFF XXXX XXXXk ( XXXX XXXX  ) /amount {$720.00} =PAID OFF XXXX, Transunion, and XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
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. (MD)

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NV)

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
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. (MS)

Complaint:
I appreciate your assistance in REMOVING a piece of the data in my credit file that resulted from FRAUD, however, I have an item passed on that should be removed or banned. According to FCRA section 605, credit bureaus are required to delete any records found on an ID THEFT REPORT. I proactively remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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. (GA)

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 Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
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: Experian Information Solutions Inc. (MS)

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 that a consumer reporting agency can not furnish an account without my written 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 explanation
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (FL)

Complaint:
XXXXXXXX XXXX  is trying to collect a debt that they can not validate as mine. They refuse to provide copies of original contract and bill outlining the alleged balance and are reporting the account as open when it is closed meaning inaccurate information to XXXX and Equifax. The credit amount owed is incorrect and has not been validated. I never signed a contract. They refuse to provide or show any proof of contract showing tht the debt was ever mine. Id like it to be removed from my credit reports and for the bureaus to delete this from my account

Company response to consumer: Closed with explanation