hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-07-03
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: Experian Information Solutions Inc. (PA)

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 explanation
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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. (DC)

Complaint:
m submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission 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 {$46000.00} ; XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
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. (TX)

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XX/XX/2022.

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 2019-12-02
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:
Equifax is reporting an account on my tradelines by XXXX  XXXX XXXX/XXXX  XXXX. I contacted the number listed and spoke with a representative named XXXX on XX/XX/2019 at XXXX. XXXX told me that they don't have the account and she don't know why it's being reported. There is no reason why this account is being listed on the credit report and there is no file there according to their representatives. I disputed this account with Equifax who stated they verified the account is accurate. There is no way they could have verified the account when in fact the company told me there is no account there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (DC)

Complaint:
Navient recently informed me that the company failed to capitalize my accrued interest when I entered repayment in XX/XX/2016, and that it would do so now. For the last two years, Ive relied on the amounts that Navient showed when making payments and suddenly they want to take an action to remedy their error from almost two years ago. Furthermore, instead of capitalizing the amount of interest at repayment going forward, Navient backdated the capitalization to XX/XX/2016. As a result, my loan balance increasedwith the incorporation of interest that wasnt actually accruing and that I couldnt have known about because Navient erred in servicing my loans. ( As reflected in the statements attached, specifically XXXX to XXXX. ) I called the company multiple times, and they refused to take any action, including removing the additional amount added to my loan balance as a result of their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
I attempted to get in touch with XXXX, Transunion, and XXXX  a number of times, and it seems like all of those attempts to even try to open up a case were fruitless. The only company that responded back to me was Transunion ; they said they would open up a case for me and that they'll let me know if the cases could be resolved or not, but they never followed up. To TRANSUNION, XXXX, and XXXX   According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS & THE THREE CREDIT BUREAUS VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have inquiries on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification. The following inquiries are a result of ( idenity theft- ) XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX ( XXXX ) XXXX, XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXXContact info XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ( XXXX ) XXXX I Pleading for relief from these derogatory inquiries placed upon my credit files on all three bureaus be removed.

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 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FCC Finance, LLC (NC)

Complaint:
This account is currently closed. While I was impacted but COVID I was on a forbearance qnd they still reported missed payments. Was told these late payments would be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (CA)

Complaint:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX  XXXX Balance : {$740.00} XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, CA  XXXX XXXX XXXX XXXX XXXX, CA  XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX XXXXXXXX XXXX  XXXX XXXXXXXX Balance : {$5900.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX Balance : {$150.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$740.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA  XXXX XXXX XXXX XXXX XXXX XXXX, CA  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX Balance : {$200.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
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. (TX)

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.

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 non-monetary relief
Consumer complaint received 2022-11-05
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:
I sent a letter on XX/XX/XXXX to remove 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 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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. (CA)

Complaint:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Please delete these accounts ASAP.

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 2023-08-01
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. (OH)

Complaint:
Transunion and XXXX have not provided any information on my Claim the law clearly states within 4 days. Thats a violation. 15 USC 1681. I also did not give permission by writing for the CRA to report on my Consumer Reports 15 USC 1602

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 2020-12-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

Complaint:
I sent out my dispute letters XX/XX/2020 and I have not received a response back yet. Its been past 60 days and I have not been responded to.

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 2017-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc (MS)

Complaint:
i sent a letter in XX/XX/XXXX asking for proof of account, i never received any documents in regards to the account, and it still reporting on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
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. (NY)

Complaint:
XX/XX/XXXX car was in a total loss claim with XXXX the car was I was the the borrower my mother was the co borrower. On XX/XX/XXXX my mother passed away unexpectedly. Went to get the information to finish the claim couldnt because my name wasnt on the title registration or anything and she had no will ... which I had to pay for a lawyer to help me become the administrator XXXX XXXX and XXXX was aware of this, but all of a sudden they reported 2 missed payments which took 38 points away. Months later insurance company paid Nys gap paid and I never received a letter with the remaining balance I had called each week finally I paid the balance account is closed and paid and still is open and late on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

Complaint:
I have reached out to ERC and requesting information in which I have yet to receive a response. ERC is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (IA)

Complaint:
I scheduled a payment on XX/XX/XXXX for XX/XX/XXXX, knowing I had my first payment due XX/XX/XXXX. I also set up automatic payments the same day and saw that it said they could take a few days to set up and that if I had a payment due within 10 days, I would be responsible for making it. As the terms and conditions didn't state that the automatic payment would pull regardless of if the payment had already been made I thought things were fine, and didn't think anything of the confirmation email I received stating the first due date for the auto pay would be the XXXX as I knew the payment would be in process shortly. Then on XX/XX/XXXX they pulled a duplicate payment for the payment due XX/XX/XXXX, and I was unaware of this until I went to pay another bill and realized my account balance was shockingly low. I called customer service who told me for the first time that the payments pull no matter what and I needed to skip an automatic payment etc., and when I asked for a supervisor the line was disconnected. I called back and was able to be connected to a supervisor named XXXX employee number XXXX, and he stated that the terms clearly indicated that the payment would be pulling regardless, and I stated they didn't he then read some terms to me that again didn't explicitly state that it would pull even if the regular payment had been satisfied, and said that there was no reason it had to say this. Every other bank has to clearly disclose if they are going to be pulling the payment regardless of it being satisfied before the payment due date. He told me the payment pulled XX/XX/XXXX satisfied the XX/XX/XXXX payment but it would still pull a payment XX/XX/XXXX unless I cancelled the Automatic payment. I just received an email this morning stating my automatic payment would be made soon which leads me to believe the XXXX payment was not satisfied. But I was also told that in order for them to refund the payment to me it would take 30-45 days, which is astronomical and unfair. I'm adding a copy of the terms and conditions documents provided through the automatic payment sign up so you can see it. It specifically says " if you have payments due on any of your loans, you are responsible for manually paying your scheduled monthly payments until you are notified that your Auto Pay request has been processed. '' this implies that they will only be pulling the scheduled monthly payment that is due.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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: EQUIFAX, INC. (GA)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX 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

Company response to consumer: Closed with explanation