hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-11-24
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. (PA)

Complaint:
XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account XXXX : XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 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 An other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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. (MD)

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my credit report, which I recently obtained and noticed several errors that require your immediate attention. 

Firstly, the previous addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, both located in XXXX, MD XXXX, do not belong to me. I request that you remove these addresses from my credit report as soon as possible. 

Secondly, the employer listed under my account number as US Dept of Education and US Department of are incorrect. I do not work for either of these organizations and request that you delete them immediately from my report. 

Thirdly, I noticed that the account number XXXX XXXX XXXX XXXX  has been reported as updated when nothing has been changed. I urge you to remove the incorrect late payments from this account as soon as possible. 

Fourthly, the account number XXXX XXXX XXXX XXXX  does not belong to me, and I request that you remove this inaccurate information from my credit report immediately. 

Fifthly, the name listed under my account number as XXXX XXXX XXXX belongs to someone else. I request that you delete this name from my report immediately. 

Sixthly, the previous address of XXXX XXXX XXXX XXXX XXXX in XXXX, MD XXXX is listed twice under different account numbers. This address does not belong to me, and I request that you remove it from my credit report immediately. 

Seventhly, the inquiry from XXXX on XX/XX/XXXX has reached the statute of limitation, and I request that you remove this inquiry from my credit report. 

Finally, the account number XXXXXXXX XXXX XXXX XXXX XXXX has been reported as updated when nothing has been changed. I urge you to remove the incorrect late payments from this account as soon as possible. 

I appreciate your attention to these errors and request that you take the necessary actions to correct my credit report as soon as possible. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2021-01-23
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

Complaint:
Navient Private Loans : For the last couple of months I have been calling to see if I can lower my payments. This month I go to check my account online and it says my payment is {$85.00}. I called several times and spoke with several different people who all say that my bill is {$110.00}. I have explained that I got multiple emails that say my total amount due for this month is {$85.00} and not {$110.00}, I also explained that I can't pay {$110.00} but I can pay {$85.00} or if there are other lower options. They don't seem helpful and willing on helping me pay a lower amount. I always call to make sure what to pay and if I need my payments lowered for the month. I've never missed a payment and always pay the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
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. (AR)

Complaint:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXXXXXX {$6500.00} XXXX XXXX {$4600.00} XXXX XXXX {$5400.00} XXXXXXXX XXXX  XXXX {$9800.00} XXXXXXXX XXXX  XXXX {$180.00}

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 2020-04-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (CA)

Complaint:
United Revenue Corp collection is reporting a collection for an account that has never been validated, has been paid off AND, has re-aged the account to do harm to me, AND is over the FCRA reporting time. I paid XXXX XXXX XXXX off many years ago. I contacted United Revenue Corp and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XX/XX/2016 and that it was last active XX/XX/2016. That is false. 
This single account violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre, and FDCPA Section 806. The account was for XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
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. (CA)

Complaint:
In accordance with fair Credit Reporting act XXXX XXXX accounts has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.

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 2017-12-17
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. (AZ)

Complaint:
There are many mistakes appear in my report without my understanding.

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 2022-04-04
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. (MS)

Complaint:
Hi I am submitting this XXXX XXXX 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 719XXXX 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX 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 XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
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. (SC)

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
Account Name : XXXX XXXX XXXX Date Opened : XX/XX/2022 Amount : {$160.00} Account Type : Collections This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

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 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

Complaint:
Called Truist bank on XX/XX/2022, and was told my account was closed and they couldn't see a reason. I told them I would have a payroll deposit coming, and they said it would bounce out since it was closed. Went to the Truist Branch on XXXX XXXX in XXXX Texas and spoke to a female banker. She stated she couldn't give a reason and took my debit card and my direct deposit should go back to my employer. Today XX/XX/2022 called in after talking to my HR department and they stated my acct was on hold and had to go into a branch. I told them I had already gone to a branch, so the rep called the branch and stated that I never went in, which was a lie. They said they could see my direct deposit but couldn't do anything since my account was on hold. I told them that I refuse to go in and they need to rectify the situation. They were unable to help me and my money is in limbo.

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 2017-09-08
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. (KY)

Complaint:
Equifax mishandled my information and according to equifaxsecurity2017.com my data was comprised during a cyber security incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Complaint:
In XXXX of 2018 I requested XXXX, Transunion and XXXX to validate the collections that they have reported on my credit report. XXXX, Transunion and XXXX failed to send me any information that the collections belong to me. 

Collections that are being disputed Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (FL)

Complaint:
ATTN : XXXX XXXX CEO at XXXXXXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX CEO at XXXXXXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX CEO at XXXXXXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$18000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.

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 2020-04-24
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:
On several occasions I have filed a dispute with Equifax. I am afraid this company is too large to actually do a thorough and fair investigation. Credit reporting bureaus like Equifax claim they are here to help consumers with their credit reports by offering various services, while the company has proven to exploit our information to hackers and do lack luster investigations that seem biased in favor of the debt collector. 

I have filed a claim with Equifax over an auto loan with XXXX from XXXX. The problem with this auto loan is that I got behind on my payments due to multiple set backs. The first set back in which XXXX XXXX was fully aware of was be being wrongly terminated and actively engaged in a discrimination lawsuit against a previous employer. 

Then Hurricane Harvey hit XXXX, Texas in XXXX affecting my residence and vehicle. FEMA inspector determined my vehicle to have damage, and scheduled an appointment with a mechanic to estimate repair costs. Although I made XXXX aware of this, they still chose to reposess the vehicle before the 90 period that they claimed we had before a vehicle was reposessed. What type of company would prey on a Natural Disaster Victim and Discrimination Victim. 

XXXX  removed XXXX from my credit report after their investigation. But after 3 attempts to dispute it on Equifax they have yet to remove it and refuse to acknowledge XXXX  investigation making their investigation negligent. 

Equifax caused all my data to be breached after i trusted their services, and yet they cant even give me an honest removal of XXXX from my credit report. I am eventually going to seek legal guidance if this isnt resolved. This crooked scam system they have going needs to be thoroughly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

Complaint:
Second Request : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2022-11-16
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. (CA)

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 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 explanation