hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number. 

I am not liable for this debt with " XXXX '' and do not have a contract with " XXXX '' they do not provide me with the original application like i asked.

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 2018-09-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (LA)

Complaint:
This account was disputed and deleted off of my XXXX report on XXXX XXXX as a result of not being verified as my debt. It was also disputed on XX/XX/2018 on XXXX and was deleted XX/XX/2018 on XXXX  as a result of not being my debt. The account balance of the debt is {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc. (TX)

Complaint:
yes, I try calling numerous times, in XX/XX/XXXX. XX/XX/ and again XX/XX/ explained not my debt, they still call my job, people from my family, they get all information, I asked to validated the debt that they say o owed, they say. they just hung up on me. I already put a fraud alert in my credit report. this so call debt was showing on XXXX, it started to show on XXXX file as of today. this debt have to come off .I don't know what to do, it is fraud. I even call XXXX XXXX, way before it went to diaz and associates XXXX XXXX XXXX. # XXXX, XXXX, ca. XXXX tel # XXXX had it im dispute with XXXX, been over 30 days, have not been deleted and now reporting on XXXX  report. please help me. I appreciated you helping me with XXXX XXXX XXXX was deleted, they saw the error. I am desperate, this is ruining my credit. This company did nothing only theaten me, calling employer. I could have been fire for this. This is aggravating. The debt amount they say I owed is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (RI)

Complaint:
Not understanding the interest on the balance. The amount I have been told is not consistent and I have not seen a decrease. Loans have been deferred and in forbearance sold from XXXX to Navient now to Department of Education. I am now currently enrolled in IBR and public forgivness and still no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (VA)

Complaint:
I have disputed 2 accounts with Equifax S.S. # XXXX Credit file : XXXX XXXX Conf # XXXX/Account # XXXX Credit file : XXXX XXXX Conf # XXXX Account # XXXX I have disputed these collections accounts recently and Equifax has failed at legitimately verifying that these accounts belong to me ; nor do I consent or will I conform to these items being listed in my credit file fraudulently. I have attempted to dispute these accounts with an Equifax representative over the phone with no success, the representative was not fluent in English. The collection agency XXXX XXXX XXXX XXXX that is reporting this information to Equifax is currently under investigation for fraud by the U.S. Security and Exchange Commission and I have reason to believe that Equifax is willfully and negligently reporting inaccurate and unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
THE ACCOUNTS LISTED IN THE ATTACHMENTS ARE FRAUDULENT

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 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Verisk Analytics Inc (MA)

Complaint:
My first communication with Lundquist Consulting, inc was XX/XX/21. The second time was XX/XX/21. The third time communicating with lundquist consulting inc was XX/XX/21. 

I requested Lundquist Consulting, inc to provide me their method of verification and inaccurate information because the bankruptcy LCI is reporting unlawfully and sharing to the XXXX credit agency, and breaking the law. LCI is breaking law because I have the RIGHT TO PRIVACY because the only institution allowed to publish my information is the United States Bankruptcy Court District of Massachusetts Eastern Division, and the website of Pacer.gov. 

Lundquist Consulting , inc broke the law THE RIGHT TO PRIVACY BY THE FCRA, and didnt help me, and didnt remove the inaccurate information reporting. 

Lundquist Consulting , inc Reply me with the same copy paste letter tree times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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. (NJ)

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from 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 2021-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stern Recovery Services, Inc. (NC)

Complaint:
Medical debts are not allowed to be reported with out my consent hippa law violations will sue if these debts are not removed from my account/account never belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
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. (FL)

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  Account number 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 Account Number XXXX XXXX  XXXX XXXX Account Number XXXX XXXX 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 2018-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

Complaint:
On XX/XX/XXXX, I received a call from XXXX XXXX with Radius Global Solutions. XXXX stated that he was attempting to collect a debt in the amount of {$660.00} that was incurred on XX/XX/XXXX ( 2.5 years ago ) at the office of XXXX XXXX. I asked who the creditor was and XXXX said it was XXXX. 

I advised XXXX that I previous sent XXXX a certified letter explaining that this alleged debt was from a XXXX XXXX performed at my son 's pediatrician 's office and not at XXXX. I further explained that even if the pediatrician 's office sent the XXXX to XXXX, XXXX was within our insurance network and tests were covered at 100 %. XXXX stated that his information showed that the {$660.00} was " patient responsibility '' according to info. in his system from " XXXX '' ( which he said was XXXX XXXX ). 

XXXX further stated that his company began collection on my date as of XX/XX/XXXX and that before then it was collected on by another company for six months but he did not know what company that was. 

XXXX said that this account could be reported to credit reporting agencies. I advised XXXX that I wanted him to validate the debt, for his company to cease calling me, and for the company to note that I dispute this debt should it be reported to a credit reporting agency. 

I do not owe this debt. First, I did not agree to have XXXX XXXX provide services to me and XXXX will find no agreement between XXXX XXXX and myself. I agreed to receive lab services from the lab in my son 's pediatrician 's office, which were covered at 100 % by my insurance company. Second, under my then-current BCBS insurance plan, all XXXX XXXX costs should have been paid at 100 %. Therefore, it is my assertion that this is AN ATTEMPT TO COLLECT A DEBT NOT OWED in violation of the Florida Collection Practices Act and the Fair Debt Collection Practices Act. 

I hope that you will be able to assist with resolving this matter. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (VA)

Complaint:
Opened an account and received donations due to the fact that my mother passed away. Haven't been able to contact anyone and Ive been waiting for 5 weeks. Making a complaint to the Consumer Financial Protection Bureau and a complaint to the VA General Attorneys Office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION (PA)

Complaint:
I am a member of this bank with member number XXXX ... My account was frozen for the past 4 weeks ... I was asked to submit verification documents which I already did. Whoever is in charge has been making it his personal mission to frustrate me. I do believe that this is a deliberate attempt to make me suffer. I have money for my business and bills in the account. I submitted all original documents I was asked for but it seems i am being pushed around and taken for granted. I don't have my SSN card which isn't unusual for some Americans. I have provided a picture of my Driver 's license, passport, W2, form 1040, Electricity bill, IRS tax notice. I have all physical proof of this documents and is willing to do a video call to show whoever is in charge to unfreeze my account. I need my money and its a matter of life and XXXX for me.. I believe someone might see this and definitely help me out. My unemployment benefits are deposited into the account along with direct deposit transfer from my VA debit card.. If they won't let me use my account anymore with PenFed, I should be able to get my balance through a check and have the account closed down. I have not done anything wrong while being a member. 
This is a plea from a lonely old woman who don't want to become homeless because someone wants to play 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 2021-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
PLEASE BE ADVISED THIS IS MY FIRST WRITTEN REQUEST, The unverified items listed below remain on my credit report in violation? 
of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that the information is mine and is correct. In the Results of the first investigation,, you stated in writing that you " verified '' that these items are being reported " correctly '' Who verified these accounts? You have not sent me a copy of ANY original documentation required under Section 609 ( A ) ( 1 ) ( a ) and Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it .and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified ACCOUNTS : XXXX ( {$550.00} ) # XXXX, XXXX XXXX ( {$460.00} ) # XXXX, XXXX XXXX ( {$460.00} ) # XXXX, XXXX XXXX XXXX ( {$850.00} ) # XXXX INQUIRIES : XXXX  XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2020-10-20
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. (MI)

Complaint:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. P

lease tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. Account Name : US DEPT ED Account # : 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 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Complaint:
Please view attachment below Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the 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 non-monetary relief
Consumer complaint received 2018-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Complaint:
I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, XXXX, and Transunion. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue.

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 2020-12-17
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. (FL)

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 XXXX5 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 2023-07-29
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: EQUIFAX, INC. (MI)

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WA)

Complaint:
I had just finished my XXXX XXXX Degree and decided to consolidate my student loans so that I could qualify for the Public Service deferrment. I completed all of the paperwork and was given a letter from Nelnet stating the terms. The terms were not what I was expecting so I called them within the 10 day window prior to consolidation and spoke with a cheerful representative. I told her that I had signed up for the REPAYE program and was initially given a much lower dollar amount and she confirmed all of this. Told me what the payment amount should be ( which is what I was expecting ) and when my first payment was due. When the first payment date was a week away ( according to the info provided to me by the rep ) I called because I had not received any information on where to send my payment. I finally connected with a supervisor who told me that since I had a parent plus loan I did not qualify for the plan that I had requested and that I was given bad information from the initial rep and that there was nothing they could do to help me as they had already consolidated the loans. Now I am looking at really struggling as these new payments are on the worst income contingent plan without a cap at an amount that I will not be able to comfortably make.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

Complaint:
I found an article and wanted to see if I have a part of it since I was with Wells Fargo during those time frames!

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 2022-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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