hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-04-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Complaint:
I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 2017-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

Complaint:
This card was opened by someone else in my building due mail room non secruity. I have disputed that its mine 4 times and am making payments so it does n't hit my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
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. (MS)

Complaint:
I have attempted to reach out to Transunion, XXXX, and XXXX  regarding this bankruptcy on my account but I have yet to receive a response regarding this information or how this information was pulled and put onto my credit report. 

I sent a letter regarding this information XXXX XXXX and still no response.

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 2023-06-22
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 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 2022-09-17
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. (NY)

Complaint:
I did not authorize nor consent to the following inquires being furnished on my consumer reports. 
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 2017-02-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (NE)

Complaint:
afni debt collection company contacted me in XX/XX/XXXX about an XXXX bill that is not/never was mine, dated XX/XX/XXXX 

Appears to be a mail order for a telephone that was delivered to a person with the same first & last name as mine ( very common one ) @ a XXXX address. 

I have lived in different state since XX/XX/XXXX, during which time I have not had an XXXX acct. or purchased anything from XXXX. I so notified Afni, Inc. when I first heard from them, but just received another dunning notice. 

This temporarily affected my excellent credit rating w/ XXXX XXXX before I was even notified of this bogus charge, which is utterly unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

Complaint:
XXXX XXXX XXXX reported a late payment in XXXX of 2020 on my account. XXXX XXXX XXXX pledged to not report late payments during the earlier parts of the Covid pandemic as there was a global financial crisis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Complaint:
08 CAPITAL ONE BANK USA N A XXXX XXXX/XXXX/2021 {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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:
I am the author of this complaint as well as the attachment that is being sent. I XXXX XXXX checked my consume report and noticed unauthorized inquires reporting. I reached out to Equifax and to no avail I did not receive a solution. Equifax has violated the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Congress has made findings and according to 15 USC 1681 the banking system is dependent upon fair and accurate credit reporting. I can not get approve for the products and services offered by institutions because Equifax is reporting fraudulently and inaccurate items on my credit report. These inquiries has been furnished without my consent, I DID NOT AUTHORIZE ANY OF THESE REPORTING INQUIRIES. There was no permissible purpose and is a violation of 15 USC 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Remove these inquires as seen on my credit report. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The uploaded inquiry removal letter has also been sent to Equifax via certified mailXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

Complaint:
I have researched and backtracked my loans from XX/XX/XXXX to present. Between XX/XX/XXXX-XX/XX/XXXX I was having a hard time making payments at the amount suggested by XXXX XXXX and Navient. I had a job that was not paying much but I made an effort to be able to pay a certain percentage of my loan. Instead I was told by the service that I had forbearance that I could use to where I did n't have to pay at the time. I do not have any recollection about any one explaining that my loans would still gain interest during these times. I was setup to use all my forbearance and would later, which is now, suffer trying to pay a XXXX/month student loan payment on a XXXX XXXX salary. With all my forbearance unavailable by the time I was XXXX I missed over 100 payments due to hardship. Those missed payments could have been used towards The Public Service Forgiveness Program. Keeping me in forbearance for such along time gained Interest for the Company. Once forbearance was over I started to receive numerous calls from Navient about my outstanding loans. I was also told that my payment would be spread throughout all my loans but that has not happened which some loans have gained not received payments, therefore posted a late payment on my Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: STERLING JEWELERS, INC. (TX)

Complaint:
kay jewelers is still reporting on my credit report, this account is XXXX XXXX XXXX. I have settled this account and its over 7 years old. I am trying to purchase a home and I need this deleted off all my credit reports. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (NE)

Complaint:
This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still items that need to be updated and corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be adjusted and corrected right away. 
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 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 2022-06-01
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: JPMORGAN CHASE & CO. (CA)

Complaint:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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. (PA)

Complaint:
My name is 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (DC)

Complaint:
When I lost my job, Navient put me into unemployment deferment instead of an income based plan with a {$0.00} payment. I saw a news article about the class action lawsuit CFPB is taking against Navient for putting consumers into lesser repayment plans, realized mine was in the less helpful plan, and called them to switch it. Instead of switching me to IBR with an income of {$0.00}, they switched me over to IBR based on my income when I had a job. 

To compound this problem, they only notified me that they put me in the wrong IBR on Saturday morning, do n't answer the phone over the weekend, and took the money out of my account on autopay before my credit union had even opened this week. 

When I called them yesterday to complain, they said they could suspend my payments for 60 days to make sure they processed the IBR correctly, and that my payment was n't really due today, but since it was processing on autopay they could n't do anything about it. They should have suspended my payment for 60 days the first time so that this whole mess would not have happened! 

I am very frustrated that they repeatedly did not help me make sure I was in the best plan and only had helpful payments taken out of my account. I am frustrated that they sent me notice on Saturday that I was in the wrong IBR, at which point it was too late to fix it. I am frustrated that they took {$400.00} out of my bank account, which is my entire unemployment check, when they should have taken a {$0.00} payment. I was in PSLF before becoming unemployment and plan to be in the 25 year repayment if I can not do PSLF, so the {$400.00} payment does nothing to help me pay off my loans, and is money I really need right now since I am unemployed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Complaint:
I went to the emergency room and was fully covered with my insurance, but someone stole my information and got service fraudulantly ...

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 2023-04-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC (CA)

Complaint:
I rented a car back in XX/XX/2021, in XXXX XXXX. from sixth ( i have been their clients for few years ). 
I got robbed and attacked, in street the people broke the rental car. I went to the police and got a police report. 
The rental company XXXX want to charge me for broken glass but i paid for insurance and damage and i provided them the police report etc. they didn't want to discuss anything. 
I am not responsible for paying that, they should have cover broken glass, and their agent didn't TOLD ME about that, he didn't say that i was not cover for broken glass. 
I purchased the insurance cover thinking it will cover everything by my understanding of what their employee said. 
I got XXXX and lost my suitcase full of my belonging and money. that situation is bad for me and I wasn't aware of my insurance coverage details. 
Now they hire a collection company, called : XXXX XXXX XXXX - XXXX XXXX and now i see on my credit report that I owe them that money, and that not acceptable. 
I Don't owe them any money. 
Could you please help Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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. (OK)

Complaint:
I sent a letter off to all 3 credit bureau XX/XX/2022. 

Here is my tracking numbers # XXXX # XXXX # XXXX. 

To remove personal information that I dont not want on my credit report. 

According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.

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 2020-07-27
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. (AR)

Complaint:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Weltman, Weinberg & Reis Co., L.P.A. (AZ)

Complaint:
COMPANY CONTINUES TO CALL BUSINESSES AND RELATIVES TO COLLECT A DEBT I DO NOT OWE. CALLS UPWARDS OF FIVE TIMES A DAY, NOT INCLUDING T HOSE CALLS TO BUSINESSES AND RELATIVES. REGARDING A DEBT I DO NOT OWE. THESE CALLS NEED TO STOP. THEY ARE THREATENING AND RUDE. THIS BILL IS NOT MINE, AND IS YEARS OLD, NO LONGER COLLECTIBLE LEGALLY. THESE EFFORTS CONSTITUTE FRAUD AND ARE ILLEGAL AND MUST STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Complaint:
There is incorrect information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Complaint:
I received a credit card statement from a XXXX credit card under the bank of America for a purchase dated XX/XX/2018. The problem is that I have cancelled this credit card TWO YEARS ago. When I complained to the bank- spoke with XXXX XXXX # XXXX, they also were baffled how this happened but claim that they can put charges through on a closed credit card account??????? 


This sounds like banking fraud!!! if I close an account it is closed and not open forever!!

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 2020-07-29
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: Experian Information Solutions Inc. (IN)

Complaint:
Experian and XXXX  have been reporting fraudulent accounts under my name XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX These are fraud, I didnt benefit, apply for, and authorize these accounts

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 2020-09-10
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. (VA)

Complaint:
Ive been disputing this XXXX XXXX account with Experian for about a year now starting with date XX/XX/19 item was removed and deleted and placed back on my credit and the account number is XXXX amount showing before deletion was {$140.00} police report was sent also with report number XXXX for identity theft dispute report number XXXX XXXX XXXX refuses to send me information on why this continues to be reported and has not responded to my request for 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 2023-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

Complaint:
My identity was stolen in 2020 and there have been 6-8 accounts opened up under my name. These accounts being opened up aren't even in the state I reside in. Fair Collections & Outsourcing Inc. have been awful in helping me with this fraud. They have gave me the runaround multiple times on what to do. XXXX XXXX has correctly been assisting me with the fraud case. Why are these companies giving out loans, renting apartments or allowing people to open up accounts in my name when I don't even live XXXX miles from where it's taking place? These companies are acting negligently in not researching where I live at, where I work, etc. because if they did then we wouldn't be in this mess. I've had a total of {$90000.00} taken under my name because companies don't want to do the extra leg work to get in contact with me. They just hand everything out on a hot plate for the criminal to take.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

Complaint:
I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law.

Company response to consumer: Closed with explanation