hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-07-26
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: Experian Information Solutions Inc. (TX)

Complaint:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX 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 2021-12-02
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
XXXX XXXX Mortgage is reporting me being late 30-60 days late in XXXX and XXXX of XXXX. 
I was in Forbearance from XXXX XXXX XXXX. 
My last payment to XXXX which was the previous company now Bankrupt was XX/XX/XXXX. 
In XX/XX/XXXX I made a payment to XXXX XXXX Mortgage. 
My forbearance with XXXX XXXX started in XX/XX/XXXX. 
I was never late on my mortgage. 
In XX/XX/XXXX I contacted XXXX XXXX and notified them business was picking up and I wanted to come off of forbearance. 
I made my XXXX trial payments on time in XXXX, XXXX and XX/XX/XXXX. 
In XXXX I signed the loan modification agreement. 
XXXX Mortgage took my XX/XX/XXXX payment and XX/XX/XXXX and applied them to XX/XX/XXXX which I already paid to XXXX in XX/XX/XXXX as the bank statements show. 
Cares Act states consumers can not be reported as late up to XX/XX/XXXX. I made my payment in XXXX as agreed. 
At this point I do not understand what payment was late? 

Thank you, 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 non-monetary relief
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

Complaint:
I have reached out several times to the court and each credit agency. I tried not to mail sensitive information and I think sending it this was is much safer. The chapter  XXXX  bankruptcy reporting on my credit report does not reflect my correct date of birth. The date of birth on the reports is  XXXX / XXXX /  XXXX   and my date of birth is  XXXX / XXXX /  XXXX  . I have now included my actual live birth certificate as well as my social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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. (MA)

Complaint:
In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumers right to privacy and confidentiality u see 15 USC 1681. 

Account name : XXXX : # XXXX, Acount name : XXXX XXXX XXXX  : # XXXX, account name : XXXX : # XXXX, account name : XXXX # 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 if information, other then records of convictions of crimes which antedates the report by more then 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumers reporting agency if the person knows or have 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 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 non-monetary relief
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (FL)

Complaint:
I had a credit card with American Express I enrolled the relief program to payoff the credit card. I did enrolled long term program over 12 months. I payoff before the 12 months. They told me I was not able to use the card til is payoff but Ill be able to use it after program end. Now is not the case. They are telling me that I need to re apply for a new card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
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: TD BANK US HOLDING COMPANY (NY)

Complaint:
On XX/XX/20 I submitted dispute to target & all the bureaus because I was a victim of identity theft and they have this reporting as it was included in my bankruptcy which it was not. It was a part of my identity theft. I filed everything according to FCRA section 605 and I went down a check list and everything I submitted was acceptable to all the other creditors & bureaus from the identity theft was a victim to and now target & is saying they looked at my submitted documents which include identity theft affidavit signed by the XXXX that I filed police report with & it was noterized and I included the police report and all other documents required. So as stated in the laws on FCRA sections 605,609, 611,623 & their subsections target is in violation of multiple breaches of the law and it is within my rights to request all sources and methods they used to verify and for them to remove this inaccurate information from my credit reports before I excerice my right to take legal action as stated in section 616 of the FCRA. 

The account number in question is XXXX Also I want to know how they were able to access the sources of my information and how they finished my dispute so quickly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (AL)

Complaint:
In XX/XX/2021, I received an email from a business called XXXXAFFIRM, INC ' stating I owe a balance of {$120.00}. The email said it was an XXXX purchase so I sent a 'stop-spoofing ' email to XXXX. 
The emails continue to come and always address 'XXXX  ', and my name is not XXXX XXXX I have responded by email letting them know I do not know anything about the debt. I am now getting emails from a collection agency, XXXX, stating I owe the debt. I have contacted XXXX  and have also mailed a complaint to Affirm. 
I have also mailed and emailed a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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. (AZ)

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

Here are the list of inquiries which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2018-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (TX)

Complaint:
Paypal stole {$1100.00} from my bank account. This was Financial Aid money that was to be used for my school expenses. I have asked the company numerous times to refund the money that they embezzled from me they have refused. I have also contacted the XXXX XXXX XXXX. Paypal has gone to a collections agency and had no right to do so. The company refuses to dispute the money or to issue a refund for the money they stole. They told the XXXX XXXX XXXX that it was my fault and that I did the transfer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12
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. (AR)

Complaint:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Complaint:
I RECENTLY RAN MY CREDIT AND NOTICED THE BELOW ACCOUNT SHOWING LATE PAYMENT HISTORY. I HAVE NEVER BEEN LATE ON ANY OF MY ACCOUNTS. I NEED THE BELOW ACCOUNT AMENDED IMMEDIATELY TO SHOW NEVER LATE. I HAVE FOUND AN ACCOUNT REPORTING LATE PAYMENT INFORMATION. I HAVE NEVER BEEN LATE ON THE BELOW ACCOUNT. 

PLEASE AMEND THIS ACCOUNT TO SHOW, NEVER LATE. ON XXXX, XXXX AND XXXX I HAD MAILED A DISPUTE LETTER OF THE BELOW ACCOUNT TO BE AMENDED AS IT WAS BEING REPORTED IN ERROR. 

TO DATE I HAVE NOT RECEIVED AN INVESTIGATIVE RESULTS REPORT AND NOW YOUR COMPANY IS IN VIOLATION THE 3RD TIME OF THE FCRA GUIDELINES REGARDING INVESTIGATIVE RESULTS REPORTS DEADLINES ON I AM IN ESCROW AND NEED THESE ACCOUNTS DELETED AND AMENDED, WHERE APPLICABLE, TO AVOID LOSING MY {$75000.00} DOWNPAYMENT ON AN INVESTMENT PROPERTY.

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 2019-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

Complaint:
I was with XXXX XXXX. I work at a XXXX XXXX  and applied to get the PSLF plan. While that was processing, I received an email ( XX/XX/XXXX ) from XXXX XXXX stating my IDR is expiring and I need to renew. I submitted my paperwork for renewal and received an email that I was approved for an IDR. I received an email ( XX/XX/XXXX ) that my XXXX payment would be {$320.00}. I received an email on XX/XX/XXXX that my loan was being transferred to Fedloan. The email I received stated that my payment plan would not change. I recieved an email from XXXX XXXX ( XX/XX/XXXX ) that my XXXX bill was due and the amount was XXXX. I paid that as soon as it was available to be paid on the Fed Loan site because I could not pay it on the XXXX XXXX website. I paid XX/XX/XXXX bill through Fed Loan, and it was {$320.00}. I then went to pay XX/XX/XXXX payment, and the amount listed was {$1300.00}. I emailed Fed Loan and was told ( by email on XX/XX/XXXX ) that my IDR was for 4 months and I had to reapply. I went and re-applied, even though I knew I should have been okay. However, the amount owed was not changed and it listed me as late. I was approved for a new IDR, but the payment amount was for {$360.00}. I used the same information ( 1040 ) from XXXX XXXX, but now they want more money. I have repeatedly emailed them and called them to get XX/XX/XXXX payment corrected ( and now XX/XX/XXXX ) and I have requested that my IDR from XXXX XXXX be re-instated because it should have lasted until XX/XX/XXXX. They are effecting my PSLF plan and are going to mess up my credit report. 

I have all the emails from XXXX XXXX and Fed Loan, and I have submitted them to Fed Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (NJ)

Complaint:
My credit limit was decreased on my Chase United card from about {$13000.00} to {$7000.00} because of ( according to them ) negative remarks on my credit report within the last 4 years. They gave me the XXXX dollar balance when my credit scores were WORSE and reduced it now when my score is much better, AFTER I reduced the bill to XXXX balance and after I removed three late payments that were posted on my report. Payments that were reported from XX/XX/2020, XX/XX/2020 and XX/XX/2020 due to Covid. The last one was reported in XX/XX/2020, supposedly it was recently reviewed but it wasnt reviewed when I was spending and paying all the interest. This is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MD)

Complaint:
Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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. (FL)

Complaint:
I write to complain about XXXX XXXX XXXX  credit card for willful and wanton violations if the FCRA for failing to report updated data to Equifax since XX/XX/XXXX despite the fact that so have made monthly payments monthly. My Equifax attached copy of my credit report dated XX/XX/XXXX inaccurately fails to include my payments for XXXX XXXX XXXX XXXX XXXX etc. XXXX last updated my file in XXXX and my report shows No Data Available monthly since XX/XX/XXXX as clearly evidenced from my report. Since I made monthly payments XXXX violated the FCRA by failing to mark 6 months of monthly payments. No Data Avsikabke is inaccurate and known to be inaccurate by XXXX and Equifax. Obviously, the date of last payment of XXXX  is inaccurate as future payments were never reported as required. The date of last activity of XX/XX/XXXX is also obviously inaccurate. XXXX has breached its obligations to report accurate and complete data therefore it no longer has a right to report data mandating permanent deletion of my account from every CRA and sn obligation if every CRA to block access to XXXX to insure permanent deletion is insured. It is too late to correct data so Permsnent deletion is required. I dispute all payment and incomplete data so, until the account is deleted, my Comenity account MUST include the permanent designation Of Account Disputed by Consumer and failure to mark account as disputed, even if XXXX disagrees, shall constitute additional willful FCRA violations which I claim now for {$1.00}? XXXX per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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. (GA)

Complaint:
This dispute falls under several categories. I had fraud on an active XXXX account. My identity was stolen and a vehicle, credit card and numerous other trades were compromised or opened without my authorization. I have file police report etc and this account was dormant with no activity for years. Now its showing charged off. I dont owe it however to close on my home I paid it at closing in XXXX. The reporting is inaccurate.. didnt owe it because it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (CA)

Complaint:
My personal data was stolen via the Equifax leak.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
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:
XXXX XXXX XXXX XXXX incorrectly reported my car lease/loan account as delinquent. The car was returned on time prior to the lease end date and all payments were made on time. In the time of hardship during covid-19, it brought my credit score down drastically and affected my ability to receive a personal loan because of this issue. The bank admitted it was a mistake but never resolved the issue with credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP (TN)

Complaint:
I had a credit card with US Bank. The credit card was opened XX/XX/XXXX and closed on XX/XX/XXXX. I no longer have the card. It says i owe {$290.00} on it and it was charged off. I keep having a derogatory 30 day late payment on my credit report every month up to the current date of XX/XX/XXXX even though the account was closed on XX/XX/XXXX. I've contacted the bank and their credit card services the see how I can resolve this but no one can find my account or how if I have a balance how to pay it so this will stop. Ive have not received any letters or bills stating an amount owed they just keep posting it to my credit report.

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 2021-06-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Complaint:
I contacted Experian to get them to investigate inaccurate, false and misleading information on my credit report. They have responded that they need to check with the data furnisher to see if what they posted is correct. By FTC Regulation all information report on a credit report must be 100 % accurate. Why do they need to now check to see if the information the report is correct. It shouldnt have been reported if they were not sure of its accuracy. They are in clear violation and in non compliance with Basel3 and FTC Regulations.

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 2022-06-26
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: EQUIFAX, INC. (CA)

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX US DEPT OF EDXXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have a 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
Consumer complaint received 2022-09-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Delta Management Associates, Inc. (FL)

Complaint:
They call no stop. I block their number and they call from other numbers.

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