hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (IL)

Complaint:
I try to make sure that student loan account is current whether employed or not. I was not employed at one point encouraged to fill out for a forbearance period ( instead of a deferment so that I was not responsible for the interest accrued due to not having a job ). I explicitly stated that I did not have a job and I was encouraged to fill out for IBR. What the rep told me was that since I had no income or employment then I wouldnt have to pay anything. However, what they did not mention is I would be responsible for interest accumulated. In addition, studentgov sent the IBR form to other loan companies so those companies took my submission as permission to change those accounts. For example, if I was already placed in a forbearance or deferment status with another company, upon receiving my application, they would remove me from that status and place me on the IBR plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TN)

Complaint:
On X/XX/2017 I called NFCU to let them know I wanted to dispute a charge from a company that I just had repaired work done to. NFCU, stated that it would take up to 10 business days to receive a provisional credit. NFCU has been negligent in responding to my claim and has failed to contact me regarding any steps in this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Complaint:
This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXDate of Inquiry XX/XX/2020 XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Complaint:
I sent a certified factual dispute letter to Transunion that was received by them on XX/XX/XXXX at XXXX. I called two weeks later to check on the status and the representative told me they had no dispute open. I waited another 2 weeks and called back to see if anything changed. That individual told me that they did not have any investigation opened. I have receipt of them receiving my letter. There are several inconsistent items on my credit report that are hindering me from moving forward in the homebuying process. I spent money sending the letter certified and I have absolutely no faith that they did not receive my letter. I am including a copy of the letter sent with visual proof of incorrect items, as well as delivery receipt.

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 2018-07-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Complaint:
On approximately XX/XX/XXXX, I awoke to a credit file alert with Equifax that my score had plummeted. I immediately checked my Equifax Monitoring Service and discovered a twice-disputed item had been reinserted as a collection on my files. Again, this collection agency, XXXX XXXX XXXX XXXX, had been deleted twice. First in the Equifax results page dated XX/XX/XXXX. Attachment of results included. And then again on XX/XX/XXXX. Attachment included. 

I did not make immediate contact with Equifax but waited until I was notified of this reinsertion with hopes that it was a mistake. It was not, at least on their part, as when I finally submitted a complaint regarding the Collection record, I was sent a result in absolute contradiction to the prior 2 resulting outcomes ; the item was to remain and additionally, updated. Sadly, I never received any correspondence ( s ) from Equifax to inform me of this negative and score-detrimental decision to report this item as absolute fact.

In the complaint, all documents I am providing you were sent via USPS tracking  with delivery signature confirmation. 

As Equifax has not informed me in any form within the 5-day requirement outlined by the FCRA, I believe the only absolute remedy to this situation is an immediate and permanent removal of the medical collection item from XXXX XXXX XXXX XXXX. My consumer rights, and Equifax 's disregard for my rights by not notifying me through proper means and without as much a certificate of accuracy demands this item be deleted permanently. Otherwise, my only other recourse would be through legal means. I may be one individual without any clout or power, but this kind of action on the part of Equifax is not only careless, but disregard for the procedures that govern this very agency 's actions. 

The previous dispute results accompany this complaint and I hope to get this resolved as quickly and efficiently as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
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. (CT)

Complaint:
Ive noticed a lot of unauthorized unverted inquires on my report. Some of the inquires are there more than once, I reached out to the companies that put the inquiries in and they told me to contact the three major credit bureaus. Ive done that and still have been getting the run around, this has been hindering me for s long time. The XXXX Department Of Education should not be reporting in my credit under 15 u.s code 168 1 ( 5 ). This account is in violation and is not reporting 100 % accurate, it list that The Department Of Education is the furnisher. Thats foregory and misleading. When the schools dont report this type of accounts. XXXX XXXX XXXX  should not be listed on my credit on report as well, Ive never did any business with that company nor did I authorize those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Complaint:
transunion and and XXXX has not updated the inquiries on there acct.

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 2021-12-02
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: Bread Financial Holdings, Inc. (NY)

Complaint:
This account does not belong to me. Please remove the negative items as soon as possible, because it is hurting my credit. 


XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Complaint:
To Whom It May Concern : I am writing to file a complaint against Transunion, XXXX and the XXXX XXXX XXXX XXXX. 

I have filed a credit dispute over inaccurate information listed on my credit report, because I am in the process of applying for a home loan. I have waited over 30 days and tried to give Transunion a chance to resolve this issue. I filed a re-investigation, and still to no avail Transunion and the XXXX XXXX XXXX XXXX has chosen to violate and ignore the statutes of the Fair Credit Reporting Act, along with the Fair Debt Collections Practices Act. I have duplicate accounts being reported by the XXXX XXXX XXXX XXXX with incorrect amounts listed. I asked for my investigations to include validation to ensure the accuracy of information listed. I have legal documentation of my attempts to have inaccurate and false information removed. It has now been close to 90 days where fraudulent inaccurate information, has been publicly shown after my intial dispute. These same accounts have been sold previously with new contracts created. So why have these particular accounts been opened and closed continuously adding additional funds and inaccurate information? I the consumer have had to pay for these discrepencies, by being halted from moving forward with my home buying process. Even though I was told that I would get this accurate validated information presented to me by mail within 30 days. I have received nothing. I am requesting that the incorrect and unvalidated information be removed from my credit report, in accordance with the provisions provided to me by the Fair Credit Reporting Act 616 ( a ) [ 15 USC 1681n ].
Thank you for your assistance.

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 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

Complaint:
My Mortgage Servicing Company SLS ( Specialized Loan Servicing ) has confirmed to me verbally by SLS Representative : XXXX ref # XXXX that the payment history as reported on all 3 credit bureaus is INCORRECT. The bureaus state that in XX/XX/2014 I was 120 days late on my mortgage payments which is incorrect. I have never been late more than 60 days. As a result, I have been denied credit and am being charged additional fees and a higher interest on my refinance loan pending. SLS has refused to contact all 3 bureaus to have the account corrected.

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 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (NJ)

Complaint:
Hello. This is a response to a listing on my credit report. Please be advised that Penn Credit Corporation has reported " invalidated information '' to the credit bureaus ( XXXX, XXXX, and XXXX  ). This may constitute fraud under both federal and state laws. Also a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

On XXXX, XXXX XXXX XXXX placed an account with XXXX XXXX XXXX  on my credit file ( for collection ). Account number # XXXX. This account was successfully disputed and reported to be fraudulent ( please refer to FTC report number : XXXX ). This year ( XXXX ) CONSOLIDATED is trying again to place this account on my file ( for collection ) with a different collection company ( PENN CREDIT CORPORATION ). I am prepare to take legal action if this information is not removed from my credit file. Please assist. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 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 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-13
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-10-18
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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 recently check my credit file and i saw a account that was mines the date of the account was XX/XX/2022 the collection Agency was XXXX XXXX XXXX. THE AMOUNT WAS {$710.00} I have no recognition of this account or knowledge of this account. I'm a victim of fraud. In information is report wrong information on my credit file. I being violated of my rights under the fair credit ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I NOTICIED SOME INCONSISTENCIES ON MY CREDIT REPORT. THIS IS DAMAGING MY CREDIT SCORE AND NEEDS TO BE LOOKED AT IMMEDIATELY. PLEASE SEE ACCOUNT LISTED BELOW. 

ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX ALSO I NOTICED XXXX IS THE ONLY BUREAU THAT REPORTED LATE. XXXX AND TRANSUNION REPORTED THIS ACCOUNT AS PAID AS AGREED

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 2021-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (FL)

Complaint:
This company has accused me for 19 years of owing fines related to a motor vehicle infraction. I have paid the debt and my driver 's license is clear and valid. I have requested proof that the debt is outstanding and the company never provided any proof whatsoever. They continue to send letters claiming money is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
My account with XXXX XXXX XXXX is showing up incorrectly with the bureau. It shows late payments however the information is inconsistently reporting across the three bureaus. Specifically the dates of XXXX, XXXX, XXXX, and XX/XX/XXXX, and XXXX, XXXX, and XX/XX/XXXX. I spoke with the company and all three bureaus as well most recently as of XX/XX/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 2020-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (CA)

Complaint:
XX/XX/2019, XX/XX/2019 I have contacted NCB Management on several occasions to prove to them that this account does not belong to me and they are assisting that it does even after I have proven to them that the account was opened by a different drivers license, address, job information, email, mobile phone, address information. Everything on the application that was submitted IS NOT MY INFORMATION. I went so far as to send them a copy of my driver 's licence to prove the application 's driver license number is not mine and they still said they " are unable to substantiate the allegations in my dispute sent. 
To whom it may concern : I have proven to you that this account does not belong to me and should be removed from the three reporting agencies : XXXX, XXXX & XXXX. 
XXXX is still reporting the amount owed of {$2700.00}. 
XXXX is still reporting and XXXX is still reporting. 
NCB MANAGEMENT SERVICE Last reported XX/XX/2019 {$2700.00} Open balance XXXX XXXX   XXXX XXXX Original creditor By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report ASAP!.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/XXXX XXXX XXXX  Account number XXXX OPENED XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX ACCOUNT NUMBER XXXX OPENED XXXX XXXX XXXX  ACCOUNT NUMBER XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMEBER XXXX ... OPENED XXXX   You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. I have also filed a complaint with the CFPB Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN # XXXX DATE OF BIRTH XX/XX/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 2019-08-07
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:
TO WHOM IT MAY CONCERN EQUIFAX IS THE ONLY CREDIT BUREAU SHOWING WRONG INFORMATION ON MY CREDIT REPORT I WOULD LIKE A FULL INVESTIGATION WITH MY SIGNATURE SOMEONE WENT TO A SCHOOL IN MY NAME THIS IS NOT ME PLEASE HELP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
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. (IL)

Complaint:
I have contacted the consumer reporting agency several times to inform them that there is information from a company called XXXX XXXX on my consumer report that should NOT be visible on my report. I have NOT given them written consent to report this company and they are aware of this. This is aggravated identity theft.

Company response to consumer: Closed with non-monetary relief