hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-05-17
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. (GA)

Complaint:
I have tried to dispute my personal information with all three credit bureaus and I have had no success. There are a number of names, addresses, phone numbers, and employment information on my credit report that are fraudulent. I have contacted all three credit bureaus on XX/XX/2021 and I have not received an investigation result from any of the the credit bureaus. I understand that the credit bureaus have 30 days to provide results of their investigation. Therefore, I would like results immediately.

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 2015-08-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Focused Recovery Solutions, Inc. (VA)

Complaint:
I disputed a medical bill on my credit report. i disputed it with the credit bureaus and with the collection agency who reported the bill to the credit bureaus. in attempting to verify the debt, thr collection agency sent me an itemized list of medications with a total that was well below the total they claimed that I owed and haphazardly used and shared sensitive and private medical information in the process. I sent the collection agency another letter of dispute, and also disputed the information with the credit bureaus again. HOWEVER, the credit bureaus have marked the bill as verified and are no longer allowing me to dispute the bill with them, due to the fact that they have already " investigated and verified the debt '' but can not disclose the sensitive information that proves the debt has been verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
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. (NC)

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
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: Collection Bureau of the Hudson Valley, Inc. (FL)

Complaint:
Collection Bureau Hudson Valley , Inc. is attempting to collect a debt that does not belong to me. Collection Bureau Hudson Valley , Inc. is reporting a delinquent collection account to XXXX XXXX  and XXXX that does not belong to me and is reporting incorrectly as if it does. It's hurting my credit score and I need this removed immediately.

I've attempted to resolve this by contacting the company asking for validation of this alleged debt. I sent out correspondence ( debt validation letter ) via USPS mail onXX/XX/2021, as well as faxed them a copy the same day at XXXX ( See attached confirmation ) I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from Collection Bureau Hudson Valley , Inc . I am requesting legal action to terminate this account immediately and have it deleted from all major credit bureaus. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
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. (PA)

Complaint:
I recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Complaint:
XXXX I called trans union as well as the creditor to have fraudulent inquiries removed from my trans union report. And as of today XXXX they are still listed on my 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 2020-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc. (FL)

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX CHOICE RECOVERY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all per
sons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CHOICE RECOVERY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
Once upon of time, I open three credit card accounts with the company name Capital One. On XX/XX/2021, Capital One sent me a letter stating that they are closing my account due to " alleged '' fraudulent activity. When I contact Capital One they couldn't specify what was the " alleged '' fraudulent activity. If this was " alleged '' fraudulent activity, why does Capital one keep charging me interest as if my account is still open? They didn't care if my identity was in danger. First of all, I am a consumer and that's a violation per 15 U.S. Code 1602 ( j ) Capital one does not have the POWER to close my account without my permission. Secondly, Capital one is held liable for my emotional distress. I was not able to refinance my car because they furnished inaccurate info to the credit bureaus to damage my consumer report & gave me an XXXX XXXX per 15 USC 1681n ( a ) & ( b ) that's another violation. Capital one is in clear violation of the FDCPA Laws. I demand the deletion of the collection from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

Complaint:
In XXXX of 2020. I got an alert from XXXX. XXXX that I was over 30 days. I called, they ask that I forward an email to them explaining.. by, their records- I had never been late. I forward a letter to them w/credit report, in a dispute - the 30 days on the XXXX went away,. 

Now it has came back.. 

I put a dispute in again with XXXX ( which is a Joke ) couple of weeks ago and I received a letter from the mortgage company ( Shellpoint ) Stating I had never been late, EVER. Again, I got ahold of mortgage company and they said to file another dispute with XXXX, because I do not show late. Cause, they are the ones that causing this. Which I have again 3 times.. no one is taking the responsibility for this as I am in the middle and it is effecting my XXXX score.. This is way the Dispute.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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. (TX)

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Complaint:
on. for 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 XXXX XXXX XXXX XX/XX/2021 OPEN BALANCE {$1900.00} ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX. ( 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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

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 2022-05-16
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. (MO)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Complaint:
I have tried everything, I tried everywhere, I still see no results. I am a victim of the Equifax data breach and a victim of identity theft. Its been well over 3 months now and still i have not gotten any answers or solutions to my problem. These accounts are not mine! I need them removed ASAP. I attached all of my letters/attempts to this complaint for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
On XX/XX/2018 an inquiry was pulled on my TranUnion Credit Report, by XXXX XXXX XXXX and it was flagged as fraudulent and a letter was sent to me concerning the application. 

I spoke with XXXX and was informed that all of the credit reporting bureaus would be notified to remove the inquiry and a letter of confirmation was sent to me. 

I have spoken to Trans Union on many occasions, to inquire as to why the inquiry hasnt been removed and was informed each time that they were not notified by XXXX about the removal request by XXXX and they can not find it in their records. 

So, I sent TransUnion a copy of the letter sent to me from XXXX, stating it should be removed. 

Upon, giving TransUnion ample time to correct the error, I called TransUnion again, about the incorrect inquiry and was informed that although XXXX dated the letter but did not include in the body of the letter, the date of the inquiry, TransUnion refuses to remove the inquiry and has requested me to have XXXX rewrite the letter to include the dated the inquiry was made. 

I have requested XXXX to rewrite the letter to no avail. 

This is a violation of FDCA, TransUnion knows to the date of the inquiry on their records and can clearly see the information matches in Chases letter. 

I should not have to jump through hoops to get TransUnion to to do their job and TransUnion should keep better records of information provided to them multiple times by XXXX. 

I have had other issues with TransUnion using the excuse they cant find various information in their records for accounts although they have sent me copies of the information on their letterhead. 

TransUnion refused to reinvestigate.

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 2021-10-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Complaint:
Credit Reporting Agencies and Collection Agencies violated the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
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: EQUIFAX, INC. (FL)

Complaint:
THE INQUIRIES LISTED ARE DUE FOR REMOVAL OFF MY CREDIT FILE. THOSE INQUIRIES WERE NOT AUTHORIZED TO APPEAR ON MY CREDIT. I DID NOT GIVE THOSE COMPANIES ANY AUTHORIZATION TO RUN MY CREDIT. PLEASE HAVE THOSE EXCESSIVE INQUIRIES OFF MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2015-08-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

Complaint:
Years ago I attended XXXX XXXX University for XXXX XXXX for less than XXXX semesters. Since then I realized the school lied about job placement and ultimately decided to attend XXXX college instead after racking up an overwhelming amount of student loan debt. In between that time I put my loan on foreberance. I recently became unemployed and have not attended college in over a year. I 've spoken with Navient and informed them of my situation and that I can not make payments. Their continuous harrasment has become impossible to deal with ; they call my cell phone night and day ( sometimes past XXXX ), they have contacted my old place of employment, they call my mom ( the co-signer ) all through out the day including late at night ( XXXX ). Every time I try to workout a payment plan they expect me to make payments I can not afford ( over {$200.00} ). I can not afford those payments so my only option is to default and continue gaining insane interest! The school that I acquired this debt for- XXXX , in my opinion, took advantage of my situation. I was he dropout child of an XXXX, my family never attended college, and they did not have much knowledge of loans and debt tied to private student loans. We were told that " fashion merchandising '' was a great career choice in XXXX Florida, there would be job placement, and that the graduating rate was 100 %. My mother reluctantly agreed since she thought this was a real University and that I would have a chance at a career. After less than XXXX semesters I spoke with XXXX in the program who said hat graduates they knew never got job placement and were so in to debt they had to drop out. I made the decision to leave XXXX by in still paying for it. I want help on lowering my loan to something affordable and realistic and I would also like to know my options regarding the legal issues and circumstances regarding instances like mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (FL)

Complaint:
I was contacted by mail by Dynamic Recovery Solutions on XX/XX/2021 about a debt which the original creditor is XXXX XXXX XXXX XXXX for XXXX and reference number:XXXX, and the current creditor mentioned is XXXX XXXX XXXX. They have received a mail from me requesting the validation of the debt on XX/XX/XXXX, but failed to provide to me the information requested which is considered as a violation of my rights because it has been more than 30 days since they got my letter. Not only they failed to respond to my request that I gave them 30 days to reply to and to delete the debt if they can not validate it, but also the amount and the status mentioned in the letter are not the same as what is in my credit report. They did not even change the status of the debt as under a dispute. I am now requesting a deletion of this debt since it can not be validated and some information dont match. 
Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24
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: Experian Information Solutions Inc. (CA)

Complaint:
I lived with a foster parent years and I pulled up my credit report. I found out that she is using my name and information without my consent. I have n't lived that former foster parent since     XXXX   So she should n't be using my information. I also saw some things on my report that was n't from me and it shows my name being used in ways that I do n't spell my name.

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