hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-04-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Accounts Management Services (FL)

Complaint:
In my previous complaint, the response I received is as follows, " We have to respond to your request for validation of your account. XXXX did provide that and the information that was sent out is all that is necessary to validate that it is your account and it is still owing. We did respond back to you when you were requesting a settlement on this account as XXXX does not settle out their accounts. You then sent another dispute form in which we did respond back to you on XX/XX/21 that we indicated we have already provided you with validation of the account. You then again sent another dispute form in which we did not respond to you as we stated in the last letter we sent you back on XX/XX/21 that we would not respond to any more dispute letters. I have verified again today that you still owe on this account. You can call us at XXXX and we would be happy to work with you on this. Your account is marked as disputed. '' This is a joke. There is a huge different between debt VERIFICATION and debt VALIDATION. I asked for the following information more than 4 times and never once received any of it : *Agreement with the creditor that authorizes AAMS to collect this alleged debt *The agreement bearing my signature that I have agreed to assume the debt *Valid copies of the debt agreement stating the amount of the debt and interest charges *Proof that the Statute of Limitations has not expired *Complete payment history on the account along with an accounting of all additional charges being assessed *Show me that AAMS are licensed to collect in my state ; and *AAMS license numbers and registered agent *Proof of oral and written demands made. 

The ONLY thing I received was a bill that had personal medical information on it. This is a violation of HIPAA. Then I received a letter than they refuse to respond to any more letters. This is not professional at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO. (AR)

Complaint:
CHASE AUTO XXXX AND XXXX XXXX KEEPS CALLING MY NO.XXXX, 11 CALLS FROM Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
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: Experian Information Solutions Inc. (PA)

Complaint:
XXXX, Experian and XXXX is reporting inaccurate information on my consumer credit report. They continue to furnish inaccurate information that was open fraudulently and/or reported inaccurately. This is causing adverse action to be taking against me. My personal information has been brought and sold to other persons. I did not give these CRA 's permission to do so or to advertise any fraudulent or inaccurate information. The furnisher duty is to investigate inaccurate information and conduct a proper investigation under the FRCA requirements. In regard to 15 USC 1681S-2 they have violated the law. The furnished information needs to be modified, deleted or permanently blocking the reporting of all disputed information According to the federal law ( 15 USC 1681 ) it states that consumer reporting agencies must ensure their right to report on the consumers report with fairness, impartiality and to respect the consumers right to privacy with regards to confidentiality, accuracy, relevancy, and proper utilization of information. They have failed to follow the federal law which is affecting my credit worthiness and reputation etc.

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 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Complaint:
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX BUSINESS TYPE : AUTO FINANCING DATE OF INQUIRIY : XX/XX/2021 XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.

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 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Complaint:
I have written Transunion again. And also I have called them. I have fraudulent inquiries on my credit report and they need to be removed ASAP. I filed an FTC report for them as well. Im also getting a police report filed.

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 2021-05-25
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. (NJ)

Complaint:
the company is with XXXX XXXX XXXX XXXX who are reporting multiple late payments when I actually was making extra payments and or higher payments towards my loan by choice to pay it down. regular payments were {$320.00} and as shown in my receipts i even payed XXXX XXXX in some months. others were returned because they would hit my account a long time from when i submitted the payments, however I then made the payments from a different account as soon as i was notified by my bank that it was returned. even still there is no way it was 30 to 90 days late from when i payed from another account unless their own processing ( which is long already ) took that long so i could notice. I'm pretty sure this is false reporting and very bad business. would not do buisnessbwith them again. they also reported a credit card balance in which I was not the primary account holder. they should know that and i think they were trying to see of i would just pay it off. one customer service representative told me it was on my credit for ten years but wouldn't effect my credit. i think this is totally unprofessional terrible business on their part for what seems to be their way of doing business in quickly reporting customers to credit bureaus with incorrect reporting. Also, i have contacted EXPERIAN who has this reported and it's nearly impossible to get them on the phone. they also will not correct the dispute. i find the credit bureau to be very difficult compared to transunion

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 2020-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Complaint:
I have been a customer for over 25 years with multiple Citi credit cards and limits for those cards of up to over {$20000.00}. All cards were always paid full and on time automatically. All of a sudden all my Citi cards were canceled without warning and reason, throwing decades of payment arrangements into disarray. I have spent hours trying to get an explanation and have still not been given one. Unbelievable.

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 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (NY)

Complaint:
I was notified by XXXX XXXX that 3 Hard inquiries were made under my name, none of which I authorized. One of the inquiries was made by XXXX XXXX Bank on XX/XX/2022. The 2nd inquiry was made by XXXX XXXX XXXX on XX/XX/2022, and the 3rd inquiry was made by American Express on XX/XX/2022. I've called all 3 banking institutions and they confirmed that they can not see account inquiries based on my current information. 

I can't understand then who made those 3 inquiries and why it's reflected on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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. (MD)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person 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 2018-10-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (AL)

Complaint:
XXXX XXXX has presumably purchased some old debt and has " re-aged '' the debt to the date they purchased it, thus negatively impacting my credit report.

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 2021-06-12
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. (NC)

Complaint:
I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ).

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 2023-01-26
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. (IL)

Complaint:
On my Equifax credit report, my Name is listed as XXXX XXXX XXXX with a social security number of XXXX. This is not my name or social security number. My name is XXXX XXXX with a social security # of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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. (IL)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  acct. # XXXX and, XXXX XXXX XXXX XXXX XXXX has violated my rights. They continue to send me paperwork for phones i've never had and they were sent to an address im not familiar with at all. Also, the contract has a computer typed signature ... This is not my account at all. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These negative, not-valid, erroneous accounts have caused me tons of stress and caused me to lose employment opportunities an some increased fees and money in my life... PLEASE HELP CFPB.

Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
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. (FL)

Complaint:
I have been trying to have my account with XXXX XXXX XXXX updated as it is reporting inaccurately. They continue to violate my rights under the FCRA and the credit bureaus are allowing this. This was for a car I had and was in an accident with. The car was totaled and the insurance promptly paid it off. There was no money left over to pay because the insurance company even sent me a check for what was left over. They continuously report this wrong on my report. Each bureau is reporting this one account 3 different ways. I even reached out to the insurance company requesting information regarding payment. They sent me a letter with the information showing it was paid. How can this be showing as a charge off when the insurance company settled the debt. I have sent 3 letters to the bureaus since XXXX requesting removal of this because there is no way they validated this as accurate. I requested information about who they spoke with and when to validate this is they indicate it was validated. I have not received any responses regarding this. One bureau has it as paid while the other 2 has it as derogatory. The account status, date of last activity and account status is inaccurate across all 3 bureaus. With this many errors, how can they believe this to be accurate. Regardless of that, the car was paid off!!! It was paid as agreed and I do not owe anything on it. This is tarnishing my credit history and no one is attempting to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
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:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.

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 2023-07-28
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
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: Navient Solutions, LLC. (TX)

Complaint:
My credit report from the year XXXX shows student loans opened on XX/XX/XXXX, under an installment account which was updated on XX/XX/XXXX and closed on XX/XX/XXXX with an outstanding balance of {$29000.00}, which were transferred over to the lender Navient. I spoke to Navient and called them at XXXX, after receiving a letter from XXXX indicating I had started a dispute with the credit bureau XXXX  and XXXX  and in order to continue disputing this charge due to identity theft, I needed to contact my lender, which is Navient. I spoke to an individual by the name of XXXX on XX/XX/XXXX and she was not able to answer my questions as far as what schools was this consolidation pertaining to. I mentioned very clearly the only schools I have attended have been XXXX XXXX XXXX XXXX in XXXX XXXX, TX ( it has been shut down and I never received my XXXX XXXX XXXX on the mail ), XXXX XXXX in XXXX XXXX, TX and XXXX XXXX XXXX of XXXX XXXX. I only took a few classes at each school. She did not have any further information. My student loans are in good standing because I have been paying for them and right now they are in forbearance due to the Covid crisis. The student loan consolidation is very suspicious and I mentioned to XXXX from Navient very clearly those student loans from XXXX are not mine. She did not know what to say. She promised to follow up with me and submit a claim, and I have not heard from anybody. My identity has been stolen since XXXX. It has been stolen on several occasions with the purpose to open fraudulent bank accounts, fraudulent email accounts, fraudulent payday loans, personal credit lines, and student loans. I have disputed a fake address on my credit report from XXXX XXXX and XXXX  as well as unknown telephone numbers. Fake email accounts have been open under my name as well. 
I have filed a police report already with the XXXX XXXX Police Department, the Federal Trade Commission and the Social Security Administration. I have also placed alerts, freezes and locks on the 3 credit bureaus. 
I have not received any response from Navient and they are failing at complying with this identity theft investigation. 
Another problem has been the company XXXX. I have contacted XXXX for a solution regarding my identity theft situation and they have not complied to provide to me with the information I need to submit to my local law enforcement and pertinent authorities. They have not even attempted to send me a letter with steps on what to do or even a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Complaint:
I went to XXXX to get copies of my credit reports. Upon finishing each one ONLY XX/XX/XXXX allowed me to download the report as a PDF. The other 2 only allowed printing. They should all allow you to download your report. Lot of people can't afford to use tons of ink to print each one.

In addition, XX/XX/XXXX should be REQUIRED to have a help line the consumer can call into with these kinds of problems. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
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. (VA)

Complaint:
In accordance to the fair credit reporting act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 items of information, other than records of convictions, 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 reporting agency if the person knows or has reasonable cause to believe that the information is

Company response to consumer: Closed with explanation