hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

Complaint:
I have been an authorized user for now on my cousins cards using and paying it off. Trying to build my credit. The issue is nothing is showing on my report for either of these cards. One is XXXX  and the other is XXXX  XXXX XXXX. For some reason they are not reporting to XXXX, equifax and XXXX  any help here would be greatly appreciate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY 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 2022-03-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record

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 2020-01-20
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: EQUIFAX, INC. (FL)

Complaint:
I am a victim of identity theft. I was contacted by a bank in reference to a loan that I did not apply for. That prompted me to check my credit report for accuracy and I found that someone has used my personal information to apply for several loans. This is my second time reporting this because the first time I reported it I only noticed inquiries for fraudulent applications. I just checked my credit report and now there are several fraudulent loans being reported on my credit. SOMEONE GOT A CAR USING MY PERSONAL INFORMATION. HOW CAN THAT BE POSSIBLE? My credit score that was once 800+ is now XXXX. I AM DEVASTATED! I need help and it seems that no one is willing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
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. (TX)

Complaint:
ATTACHED YOU WILL FIND A SETTLEMENT LETTER THAT WAS PAID AS AGREED BY XXXX XXXX. THE SETTLEMENT AGREEMENT STATED THE ACCOUNT WOULD BE CORRECTED TO READ AND REFLECT AS A PAID IN FULL ACCOUNT AND CORRECTED TO READ AND REFLECT AS A PAID ON TIME ACCOUNT WITH NO DELINQUENCY. 

TO DATE THE ACCOUNT STILL SHOWS TO REFLECT A DELINQUENT AND OPEN ACCOUNT. THE ACCOUNT SHOULD REFLECT PAID AND ALL DELINQUENCY CORRECTED TO BE PAID ON TIME WITH NO 30/60/90 DAY DELINQUENIES.

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 2022-12-21
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. (GA)

Complaint:
As Dated XX/XX/2022, I, XXXX XXXX, consumer did not give the written instructions to TransUnion LLC to furnish the identified information on my consumer report, I have come to the understanding that TransUnion LLC is in violation of my rights to privacy. See attachment.

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 2016-09-27
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Professionals, Inc. (Macomb, IL) (IL)

Complaint:
On XXXX/XXXX/16, I contacted Collection Professionals Inc in XXXX IL. trying to explain that the past due medical bills were still pending with insurance. Insurance had initially denied them stating they were pre-exsisting. After I appealed and a lengthy investigation, the decision was reversed. At this time, I thought the issue was resolved. Until I received a summons to court for said medical bills. After calling insurance, it was determined that XXXX had forgotten to send the claims back to adjuster and did so today. They stated they would pay their portion and then secondary ( medicaid ) would pay the rest. After I explained this to XXXX from Collection Prof, he stated that it made no difference and that I would still have to pay it out of pocket resulting in double payment.He said it was because it took 4 years to process. He blantly called me a liar, even after I said that XXXX was sending a letter explaining situation. He would not answer any of my questions, interrupted me frequently and spoke down to me. I would and will gladly pay any bill, I am responsible for but not until insurance processes it. I will not pay only have insurance pay also and no one deserves to be talked to the way I was. I am not some low life who just doesnt pay their bills. I am a highly educated woman, who lost a great job after being XXXX with XXXX XXXX. XXXX was a lenghty process and I am dokng the best I can. I, nor does anyone else deserve to be treated like trash.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2023-08-23
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (NJ)

Complaint:
Starting on date XX/XX/2023 I started a dispute with this company by mail, another one on XX/XX/2023 by certified mail to get a closed account removed off of my credit report that was paid off and closed! This company has since been closed/shut down all of their locations and is no longer in business! Since this account is closed and outdated while also being no longer collectible, while also not in business any more it should be deemed as not mines and removed immediately. All responses have been non compliant, I demand the deletion of this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (OR)

Complaint:
1. Received Email notification from PayPal saying my was in a negative balance XX/XX/XXXX 2. Called XXXX that was on the form and talked with a XXXX 3.  Requested the original transactions, who initiated them, who the payee was and what account was the money to be taken from. She had some story that she could not supply the originals for me. 
4. I asked her to mail the original transactions dates to me XX/XX/XXXX and she mailed me copies of the transactions with fake dates on them. 
5. I sent Certified mail to her on XX/XX/XXXX requesting the original transaction date on all the  transactions that they said I owed and gave them 14days from date of receipt or the debt would be considered not valid. They received it XX/XX/XXXX. 
6. In XX/XX/XXXX they added more transactions to my account and increased the amount they said I owed. I have not initiated an transactions. I had expressed my concern that there was fraud on my account. 
7. They did not respond to me at all and then placed the account into collections, I called PayPal again and they refused to talk with me and treated me very aggressive and rude, told me I could only talk with the collection agency. PayPal has a 60 day period to try to resolve with them they did not even honor that period of time 8. I sent a certified letter to the collection agency and requested the original transaction dates and they were supplied with another letter from PayPal with totally different information. 
9. I have not authorized payments for what they say I owe and PayPal can not give me an exact date only a debt sometime between XX/XX/XXXX and XX/XX/XXXX or the payee of those transactions that were supposed to be taken out of my PayPal balance, which if that is the case they used money from my PayPal balance and the still wanted more money. This sounds like fraud on their account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TN)

Complaint:
I have been attempting to pay my monthly student loan payment for a week. The account has become locked and attempts to reset the the password or username have been blocked as well. I tried to e-mail the company, but I have to be logged into my account to access the e-mail form. I was provided with a XXXX number to unlock the account but there was no option on the main menu to unlock the account or to speak with a customer service representative. The entire menu was automated with no clear information on how to speak to anyone about unlocking the account so payment could be made. The only option was to pay by check over the phone, but with this option I am still left with a locked account so I am unable to check my balances or engage in correspondence with the company through e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (MD)

Complaint:
I have asked Diversified Consultants to send me verifiable documentation that this debt is indeed mine ( first request sent on XX/XX/XXXX, please see letter attached ), in turn they sent me was a bill of the charges they claim I owe. I sent the second letter demanding the same verifiable documentations ( sent XXXX, see attached ). They again responded with a bill, of the charges they claim I owed. I also would like to mention that this account was previously owned by XXXX XXXX, who ceased collection on this same account, and removed it from my credit file. Somehow this account was resold to Diversified Consultants!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Complaint:
XXXX XXXX should be off of my account as paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
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. (GA)

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2022-09-23
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. (NC)

Complaint:
According to 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 XXXX XXXX, XXXX XXXX Account : XXXX, XXXX XXXX Account : XXXX, XXXX XXXX  Account : 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 : 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 with 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 2018-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
Hi cfpb I am reporting transuion for reinserting a debt that doesnt belong to me from, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AS IN XXXX XXXX, XXXX XXXX, AND XXXX XXXX.I have proof that it has been removed and have proof of showing as a new collection. Under the FRCA is a violation for {$1000.00} per each due to FCDPA. I am asking this to please be removed for exchange of the violation fines. I will upload my proof for my protection.

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 2022-03-13
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 — Their investigation did not fix an error on your report
Company: Lendbuzz Inc. (TN)

Complaint:
Since i opened the account with lendebuzz they haven't actively report the account to the credit bureaus, i had made another complain before witch they only reported the months before but they never reported again since 6 months ago, on my experian doesnt even show up Which is a clearly violations of Fair credit act, i had paid my loan already and they haven't reported yet

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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:
EXPERIAN has committed Identity theft 15 U.S. Code 1681a ( 3 ), pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) EXPERIAN failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under Fair Credit Reporting Act, you have violated 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, You have as also you have failed the requirement imposed under the Fair credit reporting act pursuant to 15 U.S. Code 1681e ( a ) and did not maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

You can be held liable Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) because you have willfully failed to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer In addition you have obtained information on, i the consumer under false pretenses from XXXX XXXX XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q

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 2017-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NJ)

Complaint:
: I have medi cal Insurance and the y refused to take down information. Please advise to charge :  XXXX  NJ  XXXX   XXXX   XXXX  Member ID YHZ  XXXX  Member  XXXX  Provider  XXXX  Dental  XXXX  Pharm/Hosp  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 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

Complaint:
Discharged Chapter XXXX reported XX/XX/XXXX - I have disputed this as the record should have been removed after 7 years. It has not been removed. It is currently affecting my credit score and ability to rebuild my credit score. 

XXXX Dept of Education Balance {$7200.00} Reports 5 late  payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$4000.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$1900.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$3900.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$9300.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX XXXX Credit Card Reports late payment XX/XX/XXXX This payment was covered under payment protection which is a paid for service on my account and covered the payment for the month. 

XXXX XXXX Credit Card Reports late payment XX/XX/XXXX This payment was covered under payment protection which is a paid for service on my account and covered the payment for the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Complaint:
Someone has my information & tried to use it, and Im worried about identity theft. I Tried serval times to dispute accounts with credit bureau.According sec 15 USC 1681 ( A ) ( 4 ) Consumer right to privacy 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer report or i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
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. (MI)

Complaint:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX has violated my rights everything must be 100 % accurate. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is 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 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Also the credit bureaus took more then 30 days.

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