hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-09-25
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. (TX)

Complaint:
in accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX 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 2022-01-11
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. (TX)

Complaint:
Since XXXX of XXXX, I started and have been trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters were sent to the XXXX credit bureaus : XXXX, Equifax and XXXX on XX/XX/XXXX and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Complaint:
I have previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

Complaint:
I never applied for SCRA benefits with my mortgage company. At the beginning of XXXX XXXX XXXX alerted me that I had missed multiple payments on my mortgage dating back to XXXX. I did a hard pull on all 3 credit bureaus and verified they claimed I had missed 23 payments, and they claimed I owed XXXX dollars more on my mortgage than was was shown on my account. I logged into my account and the ledger was in utter disarray, almost a hundred entries on XX/XX/XXXX. I proceeded to call and ask what was going on they told me it was due to SCRA benefits and to call the credit bureaus which I did, it has been a month and still no resolution to my report. My credit score has taken a huge hit and I was turned down for a loan. What is my next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Complaint:
Navient is my loan servicer. I paid over {$500.00} a month on my student loans like clock work ( using autopay ) for over 14 years because I had a good job which allowed me to make the payments with no problem. Unfortunately, after being with the same company for over almost 11 years, I was let go due to the company relocating to California. I continued to pay as long as I could, but then wasn't able to. I called Navient to try and work out a payment plan I could afford and was given no affordable options. I had savings, and was hoping to negotiate a payoff amount. I was told absolutely not an option. I warned if they couldn't work anything out for me that I could afford, and they couldn't negotiate a payoff amount that I'd no longer be able to pay on my loans. They said sorry, nothing we can do. I then HAD to stop paying because I literally couldn't afford it anymore. I am now being sued for defaulting. I still have no job because I haven't been able to find a job that would pay enough to afford child care. Everything I have found would be working just to pay for child care, which defeats the purpose of working at that point. I can't afford a lawyer so I am left with no options at this point. It is very frustrating because I feel like they should have worked with me back when I called countless times to explain my situation. Things didn't have to come to this ... negotiating payments or a payoff amount would have been much more beneficial to both parties. My credit, which was near perfect before this disaster, is totally destroyed. There is a reason there is countless lawsuits against Navient. 
I had paid the amount I borrowed before all this ... I was only paying the unbelievable amount of interest that was attached to the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
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. (CA)

Complaint:
Last night, I rec 'd an alert from XXXX XXXX starting that I applied for a CC with XXXX XXXX. I've never applied with XXXX XXXX. I called XXXXXXXX XXXX XXXX Fraud Dept XXXX and XXXX XXXX advised their was an Application ID # XXXX that was TD= Turned Down but she couldn't view the date. 
She advised me to reach out the XXXX credit bureaus and FTC and XXXX XXXX I am requesting a freeze on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LFG Data Services Holdings, LP (TX)

Complaint:
Recently I found an incorrect Bankruptcy record reporting on my credit file. I filed a dispute in writing and went a step further and contacted the Bankruptcy court of record in an attempt to sort out this error. I was referred by the clerks to the XXXX XXXX XXXX XXXX for XXXX XXXX XXXX for XXXX XXXX, whom I contacted several weeks ago. Last week I received a letter from your firm informing me that the Bankruptcy information was verified. Now, Today I received a call from an XXXX in the XXXX XXXX XXXX XXXX, who informs me that the information YOU have verified as accurate was INCORRECT. 
Based on the information provided by the investigator it appears that YOUR firm never contacted the Bankruptcy court, never verified or validated the information disputed and is in violation of the FCRA. Since it now appears quite clear that your VERIFICATION is erroneous and you NEVER contacted the Bankruptcy court in the first place, I am making a direct demand under 15 U.S.C.A. 1692g ( b ), that your firm provide the following VALIDATION of information regarding HOW and WHAT you are reporting on my credit report in regards to this erroneous Bankruptcy.

Please supply the information below so that I can be fully informed : The name and address of the Court Clerks office contacted for verification.

The Phone and Fax numbers of the Individual or Department from whom you obtained this information.

Provide standard procedure for verification and validation of disputes filed under the FDCPA and FCRA.

Provide me with a COPY of the information that this Court of Record has provided to YOU in regards to this erroneous verification of the disputed Bankruptcy.

You have 5 days to acknowledge in WRITING the receipt of this 15 U.S.C.A.

1692g ( b ) dispute and 30 days to provide the information requested above.

If you can not or choose not to pursue this matter, provide me with a written notice of ITEM DELETION of the Bankruptcy Record in question within the next 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Complaint:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXXXXXXXXXX XXXX XXXX - IDENTITY THEFT  XXXX XXXX XXXXXXXX XXXX XXXXXXXX - IDENTITY THEFT XXXX XXXX XXXXXXXX XXXX XXXXXXXX - IDENTITY THEFT XXXX XXXX XXXX XXXXXXXX - IDENTITY THEFT UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 TransUnion 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 of 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 2022-11-03
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 — Their investigation did not fix an error on your report
Company: U.S. BANCORP (FL)

Complaint:
WHEN CHECKING ALL THREE OF MY CREDIT FILES US BANK IS REPORTING INACCURATE AMONG THE THREE CREDIT BUREAUS. VIOLATIONS 15 USC 1681 US BANK IS IN.

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 2023-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (PA)

Complaint:
TrueAccord is attempting to collect a debt letter dated XX/XX/. I replied in writing on XXXX XXXX  that the debt dispute the debt is not mine and ask for validation. I also call to verbally dispute, Received a text for this company on XX/XX/XXXX and called again XX/XX/XXXX and was give the a completely different and additional five account of collections totally {$820.00}. I filed a police report of Identity Theft with the police department XXXX. The Officer recommended to me file this report to assist with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IL)

Complaint:
In XX/XX/2018, I responded to a public offer from American Express Ascend ( which also appeared on my account home page ) to receive XXXX bonus XXXX XXXX points, and applied for the card and received the credit card. In XX/XX/2018, I received a statement for the required {$95.00} fee for the use of the card and paid that amount by ACH. Additionally, I charged {$2000.00} on the card in XX/XX/2018 for which I was billed in early XX/XX/2018 ( and paid the that full amount via ACH in XX/XX/2018 ). -- for which I was supposed to have received a total of XXXX XXXX XXXX Points in my XXXX XXXX Account as per their offer. The total amount of XXXX XXXX Points owed to me is : XXXX. Twice I have contacted both American Express and XXXX XXXX regarding this issue and have received no response except that American Express referred me to XXXX XXXX for problem resolution. The XXXX points from their offer have not appeared in my account to this date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (IN)

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX  XXXX XXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
In accordance with the Fair Credit Reporting act 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 2018-07-26
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. (NC)

Complaint:
I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
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. (NJ)

Complaint:
I have been trying to get these accounts thats showing on my credit that are mine. I have reached out the all I know to try and get this fixed. My coworker told me I need to speak with an attorney and he told me to reach out here. Even as of recently another Bankruptcy came on my credit. At first it only showed on XXXX  and a couple of days ago credit XXXX told me that a bankruptcy came on Transunion now in addition to XXXX. It is not on XXXX. The other accounts that are not mine are XXXX, XXXX XXXX XXXX, XXXX, US DEPT OF ED, XXXX. There were also some inquiries that are not mine XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. I'm doing this on my own.

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 2023-02-23
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: EQUIFAX, INC. (FL)

Complaint:
In Accordance with the Fair Credit Reporting Act the following information has violated my rights. 

All of the account information that needs to be deleted/Corrected is listed below! 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose ALL OF THE INFORMATION BELOW NEED TO BE DELETED/ Updated to on time payments ; Especially these derogatory late payments I am filing a complaint I need all of this information DELETED! 


PERSONAL STATEMENTS : DELETE THIS TOO! 
XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX Total balance : {$680.00} XXXX XXXX XXXX Original creditor XXXX Acct # XXXX Balance {$680.00} Balance updated XX/XX/XXXX XXXX Late payment accounts Total balance : {$81000.00} Student loans Total balance : {$81000.00} DEPT OF ED/XXXX  LATE PAYMENT Acct # XXXX Balance {$2400.00} Balance updated Original bal {$2200.00} XX/XX/XXXX DEPT OF EDXXXX LATE PAYMENT Acct # XXXX Balance {$3300.00} Balance updated Original bal {$3000.00} XX/XX/XXXX DEPT OF ED/XXXX LATE PAYMENT Acct # XXXX Balance {$67000.00} Balance updated Original bal {$49000.00} XX/XX/XXXX DEPT OF EDXXXX LATE PAYMENT Acct # XXXX Balance {$2800.00} Balance updated XX/XX/XXXX DEPT OF EDXXXX LATE PAYMENT Acct # XXXX Balance {$3700.00} Balance updated XX/XX/XXXX DEPT OF EDXXXX Balance Acct # XXXX {$1500.00} Balance updated XX/XX/XXXX U S DEPT OF EDXXXXXXXX POTENTIALLY NEGATIVE Acct # XXXX Balance {$830.00} Balance updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synergetic Communication Inc (KY)

Complaint:
On or about XXXX through XX/XX/2019, I filed a complaint to the CFPB, XXXX and Theft identity about an unknown debt from XXXX  XXXX, XXXX XXXX, under the name of XXXX XXXX XXXX. This company replied back to CFPB and the XXXX  stating that I was not responsible for this debt. This debt was taken off of my credit report. I reviewed my credit report under XXXX and this debt is again on my credit report but under the name of Synergetic Communications , Inc. I am also getting repeated calls from this company. It appears to me that once the new Company, Synergetic Communications , Inc., bought out this debt from XXXX XXXX XXXX, that they are reopening this case. I have letters from XXXX to both the CFPB and XXXX stating the XXXX XXXX is not the responsible on this account. I want the calls to stop and this off of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
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. (MI)

Complaint:
I disputed an account and transunion failed to respond within a 30 day timeframe as enforced by FCRA nor did they validate the account on my credit report was accurate

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 2023-01-20
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: Experian Information Solutions Inc. (GA)

Complaint:
I have old addresses, phone numbers, and wrong names on my reports.

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 2022-05-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Health Care Financial Services, Inc. (GA)

Complaint:
ARS Account Resolution XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX has been sending me collection notices in the amount of {$1300.00}. The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

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 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT BUREAU OF FARMINGTON, INC (NM)

Complaint:
CBF Services is reporting a collection on my credit file that needs to be removed. I have been disputing the account with them and the bureaus and this has not been removed. I was not aware about this debt and as soon as I was I paid it off immediately. I only found out because it was on my credit, I never received a 30 day right to dispute notice. This is a violation under the FCRA and for that I ask this collection be removed.

Company response to consumer: Closed with explanation