hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-24
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. (TX)

Complaint:
Account Name : AXXXX Account Number:5XXXX Acct XXXX XXXX I have been trying to get this account deleted I have called credit bureaus and the XXXXXXXX XXXX to get this old account deleted/removed it was paid off back on XXXX XXXX, 2017. The Credit companies stated no change won't do a proper investigation and won't update unless XXXX updates them. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number:XXXX This account was paid off and settled I have sent out a letter and statements from XXXX to the credit bureaus it is a closed account and to remove and update my account for the dispute, I keep getting unchanged and verified. No change Account Name : XXXX XXXX XXXX Account Number : XXXX -Collection Account that needs to be reinvestigated and needs 30 days or more and none of the credit bureaus want to help or respond to this account Account Name : XXXX XXXX XXXX Account Number:XXXX-Collection Account that needs to be reinvestigated and needs 30 days or more and none of the credit bureaus want to help or respond to this account I have contacted the collector and they have not been able to reach the person who actually reported the collection and there is no judgment the court has never sent me anything on file in the last several years and I am trying to get a removal due to Collection Account that needs to be reinvestigated or I want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
hi transunionhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2016-05-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc. (TX)

Complaint:
The debt in hand is duplicated and should 've been covered by insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XXXX but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX : {$8600.00}

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 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Complaint:
I requested my free annual credit report from Equifax on XX/XX/2020 and the company has refused to provide it online, referring me to a written request. Subsequently my written request was not honored, since Equifax sent absurd, abusive, and inappropriate " identity verification '' demands to me in a refusal letter. 
Equifax is demanding narrow proofs that are likely not to be obtainable by many reasonable persons, including demands for pay stubs when I have not worked for an employer who provides pay stubs for six months and my employer has not provided pay stubs for past work, a demand for a lease or bills in my name when none of these are in my name as I, like millions of people, am a renter from someone else, and a demand for a driver 's license ( my driver 's license shows another address from what they have on file ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
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. (MD)

Complaint:
My Ch XXXX was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with the 3 CRA 's and I'm not disputing. Just please asking for the information to be early exclusion.

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 2019-12-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NH)

Complaint:
Called the lender as I am the co-borrower on this loan and I have been making the payments for over 4 years. As a co-borrower I have limited options with this loan. My call today was in response to an email from the lender stating that if having difficulty making payments to contact them, the very first thing offered was " FOREBEARANCE ''  that's what took this loan from {$18000.00} to {$23000.00} courtesy of the lender and borrower acting together. As it turns out the lender will not lower the current APR roughly ( 13 % ) and the only option is to refinance this loan with another lender unfortunately the borrowers Credit Score is below 600 and he suffered a XXXX  in XX/XX/2019 and is unable to work. The lender in question is NAVIENT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GreenSky, LLC (PA)

Complaint:
XXXX XXXX ( aka XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX was solicited to install a window wall unit with ( XXXX ) sliding glass doors at my home. During the initial visit, part of the " sales pitch '' was offering 24-months, 0 % financing through GreenSky/XXXX XXXX XXXX. We accepted the XXXX XXXX proposal and decided to move forward with the project. Immediately following the install, we discovered that the wall unit was leaking water from the outside into the living space on the inside. In addition, the wall unit was beginning to break apart XXXX door handles were falling off and the doors were coming off track regularly XXXX. We contacted the installer ( XXXX XXXX ) and reported the issue. We were unsuccessful at getting them to make a repair call until we reached out to the lending institution, GreenSky. Upon multiple attempts to work out a repair plan with both the installer and the lender, we've been unable to get the leaking issue resolved. In fact, the situation continues to worsen and collateral damage is now resulting due to the length of time that the leaking has been going on. A " transcript '' of our communication with GreenSky containing photos has been attached to this dispute. Since GreenSky paid the installer XXXX XXXX XXXX XXXX in full upon XXXX XXXX  request with no communication with us the lendee before making said payment, we now have no " leverage '' to get this resolved other than threatening to not pay on the loan. GreenSky has now reported us to the credit bureau and is attempting to ruin our credit in an effort to " strong arm '' us into paying. We've chosen this path not in an effort to avoid paying, but rather as a way to try and " force the issue '' so that we can get this leaking resolved. In addition, on the back of each GreenSky monthly statement are Dissatisfied Rights outlining our right to not pay if we are unsatisfied with the purchase given that we follow the steps that they have outlined. We have followed this process for over a year with no end in sight. It is our opinion that XXXX XXXX  and GreenSky are mutually beneficial of each other, therefore, neither of them has a want to resolve the issue. Since XXXX XXXX  " sells '' GreenSky as a way to finance a project, why would GreenSky do anything negative that may impact that relationship? GreenSky has now taken to calling us several times a day trying to collect on this debt rather than working with XXXX XXXX to resolve the problem. In fact, my last conversation with GreenSky ended by their representative stating they'll just continue to call until I give in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

Complaint:
I called the 3 credit bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was erroneous account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that this account will be corrected. XXXX XXXX XXXX : {$7400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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: Experian Information Solutions Inc. (CA)

Complaint:
This is my 5th 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, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$42000.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXXXXXX XXXX  XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2021-06-10
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: U.S. BANCORP (CA)

Complaint:
Discovered US BANK did a individual inquiry ( without my permission ) on XX/XX/2020. Of course because of this, my credit score was lowered by a lot of points, When I'm trying to get my credit score higher. 

I contacted the phone number, XXXX and their address is : XXXX XXXX XXXX XXXX, XXXX, MN XXXX. 

Spoke with a bank agent and she had no clue why this happened and couldn't give me a straight answer. I'm really upset here and it appears this is FRAUD. Which needs to be addressed immediately. 

Need to have this removed from all three credit reporting agencies and I want my points back that was stolen, because of this fraudulent injury!! 

The main number for US BANK is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
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:
multiple accounts opened in my name, have never lived at any of the addresses associated with the accounts. Have tried to dispute on 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 2023-06-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Early Warning Services, LLC (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. XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXXXXXX 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 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 knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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: Duvera Billing Services, LLC (CO)

Complaint:
I have been a victim of ID theft. XXXX is aware and does nothing. I have contacted them thru the Consumer Affairs division and with reps and supervisors. 
I filed fraud with XXXX and submitted ALL the requested documents for fraud. 
XXXX is violating my rights as well as others with their failed verification of debts and fraud accounts. I file FTC reports and fraud for fraud inquires. They refused to remove them stating they are " statements of facts ''. Thats incorrect when they are fraud and the vendor has no permissible purpose of legit purpose for pulling and for credit in which I didn't not lawfully apply for. 

XXXX failed to provide documents as requested asking how an account was verified, who verified it, and what methods were used. Nothing was provided and thats against FCRA Law. The fraud accounts in question go against XXXX XXXX guidelines. 

The fraud alert listed on my file IS WRONG and they refuse to allow me to update. They advise me they can't verify my identity. Not sure how they can't being they have ID on file, SS Card, and FTC reports sent to them. They make it impossible to deal with and remove fraud info. Litigation is being sought against them and will seek damages as allowed per law. They have been sued previously for the exact same thing and they LOST. 

A fraud account that is list is Duvera Billing ACCT XXXX and they show the same account and balance as a charge off 2 times. The creditor who reports this NEVER provided debt validation or verification to me in writing as requested. XXXX leaves a fraud account and says its verified. The creditor has no signature, no copy of ID, no payments made to the account. The payments made that the creditor verified to me were ACCOUNT UNABLE TO LOCATE/NOTHING FOUND. The creditor said they verified it is fraud and requested it to be removed, yet XXXX failed to do so. XXXX has no reps who understand FCRA laws and guidelines. They leave information to ensure they can collect monies from the reporting companies. XXXX XXXX and XXXX deemed accounts as fraud and blocked the information immediately as should XXXX 

XXXX XXXX is also listed and the account is past the statue of limitations on reporting. It is fraud and was removed and blocked again by XXXX and XXXX XXXX ACCOUNT # XXXX ... I have a open and current account with them and they stated they asked for this to be removed, however XXXX refused to do so. 

They need to remove the inquires from my report, as I have not applied for credit and they were notified of those that were fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (AZ)

Complaint:
Called me at XXXX XXXX!!! Woke me up. I've told this company already that this is not me and the last four of our social doesn't match. At what point can I file a law suit??

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