hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-05-23
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. (TX)

Complaint:
There are mistakes in my report, please verify or remove immediately :   XXXX   XXXX    XXXX  -  XXXX  > I do n't recognize this account   XXXX    XXXX  > I never paid late   XXXX   XXXX    XXXX  > I never paid late  XXXX   XXXX   XXXX   XXXX  > I never paid late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violated my rights. 


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

15 U.S.C 1681 section 604a section 2. It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-10-07
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. (IL)

Complaint:
I was a victim of identity theft. There are many accounts and inquiries on my credit report that I have disputed, as well as names and addresses that have not been removed after I disputed them. I have mailed countless letters to this credit bureau & still are on 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 2022-03-09
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: EQUIFAX, INC. (NY)

Complaint:
In XX/XX/XXXX I filed a complaint with Equifax, XXXX XXXX, XXXX and I didn't receive a response back until back until XX/XX/XXXX. This date is way passed the 30 days time frame allowed. I am requesting these following items be removed from my report 1. ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account is duplicate with multiple listing as open error please delete inaccurate. Below are the CFPB confirmation numbers to my claim. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
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. (TN)

Complaint:
THIS ACCOUNT WAS APPLIED FOR WITHOUT ME KNOWING

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 2020-09-22
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. (LA)

Complaint:
UNAUTHORIZE INQUIRIES THAT DOES NOT BELONG TO ME

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 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Complaint:
HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE BROKE INTO MY CAR WHILE I WAS AT A CONVENTION IN TEXAS WITH A GROUP FROM XXXX, MISSOURI. I BELIEVE IT WAS SOMEONE FROM THE GROUP BRCAUSE OF THE LOCATION OF THE ACCOUNTS. THEY ACUIRED A BANKRUPTCY IN MY NAME, IT WAS XXXX, BUT IT IS STILL NOT MINE, ITS REPORTING ON MY XXXX  CREDIT REPORT. THEY GOT VEHICLES IN MY NAME ALONG WITH STUDENT LOANS. IT IS EVIDENT THEY HAVE BEEN DOING THIS FOR A WHILE, I DIDNT FIND OUT UNTIL A COMPANY PULLED MY CREDIT, I RARELY CHECK MY CREDIT REPORT.THE FOLLOWING COMPANIES WERE FRAUDULENTLY OPENED IN MY NAME : XXXX   XXXX  # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX/MISSOURI STUDENT LOANS # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX/MISSOURI/ STUDENT LOANS OPENED : XX/XX/XXXX XXXX. XXXX XXXX/ XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX  XXXX XXXX   OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX # XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX   OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX   XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX CHAPTER XXXX BAMKRUPTCY XXXX # XXXX DATE FILED : XX/XX/XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENT OPENED IN MY NAME : US SM BUS ADMIN XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 None of the accounts were deleted from my account and are affecting my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
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. (PA)

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$0.00} XXXX {$14000.00} XXXX  XXXX {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Complaint:
The company that colle cts, Navient, g ranted me a deferment on my student loan in    2014  due to loss of income and a period of unemployment. After having my monthly payments lowered to about {$230.00} per month, to be paid on the  XXXX  day of the month for 8 months. I get contacted by Navient shortly afterward indicating that payments were missed. Upon contacting my bank, there were no instances of insufficient funds, and that  Navient  did not withdraw any of the monthly payments, my loan was in default and the deferment cycle has to be reset. This has been happening every year since  2014 . After meeting with m y financial advisor to a ssist me with my credit report, she suggested that I file a complaint, since apparently other customers have had similar experiences with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
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. (NY)

Complaint:
I provided a notarized statement of fact that Ive been a victim of identity theft and the credit bureaus have not removed the 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 2019-04-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Financial Group, Inc. (MD)

Complaint:
Back in XXXX Pinnacle Financial Group purchased my auto loan from XXXX XXXX. Ever since then I have had multiple issues with this company. Back in XXXX of XXXX they fraudulently charged my card 2 in the same month. Most recently they are claiming I owe late fees from XXXX and current. I previously had several conversations with different account representatives regarding late fees. They refunded me the late fees in the past because my original contract doesn't have any late fees and they have NEVER given me a response regarding their late fee process. I would like them to remove all previous and current late fees so that I can settle this account once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26
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: BMO HARRIS BANK NATIONAL ASSOCIATION (AZ)

Complaint:
I did not solicit this company for their business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2017 2017

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 2019-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
XXXX and XXXX had incorrect information in our credit reports. We have been undertaking an extensive, multi-month process to get this information correct ; however, different financial institutions continue to receive wrongful information that is on our credit report. According to the FTC website we are entitled to a free copy of the corrected credit report once the investigation is completed and the wrongful information corrected ( from https : //www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports ) : " When the investigation is complete, the credit reporting company must give you the results in writing and a free copy of your report if the dispute results in a change. This free report does not count as your annual free report. If an item is changed or deleted, the credit reporting company can not put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The credit reporting company also must send you written notice that includes the name, address, and phone number of the information provider. '' Both XXXX  and Transunion have failed ( thus far ) to provide us with these mandatory corrected 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 2018-08-21
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. (NY)

Complaint:
MY OLDEST ACCOUNT IS NOT BEING REPORTED. 
MY OLDEST ACCOUNT IS ( XXXX XXXX/XXXX  ) FROM XX/XX/2015 credit agency is reporting the wrong information. My oldest acount is ( XXXX XXXX/XXXX ) it is over 3 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (MS)

Complaint:
Received an email in an attempt to collect a debt on XXXX XXXX, XXXX. 
Submitted verification of debt letter on XX/XX/XXXX. 
Hunter Warfield replied with my rental contract. 
Sent another letter on XX/XX/XXXX and the company stated that they would not respond to any other emails from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Early Warning Services, LLC (CA)

Complaint:
I had applied for a job with a XXXX XXXX company, I was told I had to deposit a check for {$4600.00} and then withdraw {$4000.00} to send to the " regional manager ''. The check turned out to be fake and I had to pay my bank back the money even though it somehow cleared even though it was a fake check. Then the bank closed my account and told me it was not their problem and put the fraudulent activity on my credit history so now I'm not able to open a bank account anywhere else. Im sorry for what happen because I didn't do it on purpose and I paid back the money even though I feel like my bank could have done more for me but they didn't. Now I just want them to take off the fraudulent activity from my credit history because now I can't bank anywhere and I won't be able to buy a home

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
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: SYNCHRONY FINANCIAL (OH)

Complaint:
I hope this letter finds you well. I am writing to raise an important issue that pertains to the Fair Credit Reporting Act ( FCRA ). 

Under the provisions of the FCRA, specifically 15 USC 1681 section 602 a, there exists a crucial need to ensure that consumer reporting agencies, such as XXXX and XXXX, fulfill their obligations with utmost fairness, impartiality, and respect for consumers ' right to privacy. 

However, it has come to my attention that certain actions undertaken by these consumer reporting agencies may be in violation of the aforementioned principles. This is deeply concerning and raises questions about their commitment to upholding the rights of consumers. 

Given the importance of consumer reporting agencies in maintaining accurate credit information and protecting individuals ' privacy, it is crucial that appropriate measures are taken to address any potential breaches or misconduct. 

I kindly request that you thoroughly investigate the practices of XXXX and XXXX to ensure compliance with the FCRA. It is imperative that these companies fulfill their responsibilities in a manner that prioritizes the rights and interests of consumers. 

I appreciate your attention to this matter and your efforts in holding consumer reporting agencies accountable. I trust that you will take the necessary steps to address these concerns and maintain the integrity of the credit reporting system. 

I am writing to bring to your attention a matter of utmost concern, which involves a violation of the law. 

As per the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any person to provide inaccurate information about a consumer to any consumer reporting agency, if they have

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 2020-05-29
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 contacted all 3 agencies and let them know I experienced identity theft with one account beginning XX/XX/2018. At first, they said the item was valid and then no response in other attempts. I have used this portal and mailed them letters, I also called them. I have attached my most recent letter to this complaint.

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 2018-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC (DC)

Complaint:
I have not received any notices of transfer of servicing for my student loan. When I logged onto XXXX on XX/XX/2018 to make my monthly payment, the website page stated that my loan was no longer serviced by XXXX XXXX. I am unable to access my loan account information and billing documents. The alert stated that my loan was transferred to XXXX XXXX. I have been waiting over half an hour to connect with a telephone representative to try to confirm the transfer. Further, I am trying to also connect with their online chat system but the chat box has stated that a rep will be within 13 min, but I have been waiting longer than that and no one has responded. I am unable to get in touch with anyone on Heartland to confirm the transfer and figure out where to send my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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. (ND)

Complaint:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2022-11-08
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: EQUIFAX, INC. (FL)

Complaint:
I checked my credit report and notice these fraudulent inquiries. I don't have any idea why they were listed on my report. This is FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE (FL)

Complaint:
I have been a victim of identity theft, on XX/XX/2017 a medical collection accounts were open in my name, I went to my local police station and filled identify theft report along with a federal trade commission identity theft report then I called the collection company ( Avante USA ) I explained them everything and provided them with a copy of all documents, however, they refused to remove the accounts despite me being in any hospital neither seeking any medical care from the mentioned facility in the account, furthermore, they were very hostile and even hung up the line after losing hope of me paying a service I didnt use, I contacted the credit bureaus and sent them all documents and was able to remove the accounts, but still Avante USA is using illegal techniques to change accounts numbers and debit value to promote to the bureaus as a new debits. Their allegations are unfounded, they failed to provide the credit bureaus with a proof of debit, but for some reason they still able to keep adding new accounts to my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
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. (TX)

Complaint:
I recieved a copy of my credit report an saw these accounts, i tried disputing them with the companies themselves but i have not been successful.The following accounts i would like removed from my credit report : XXXX XXXX {$28000.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX  XXXX {$230.00} XXXX XXXX XXXX {$130.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation