hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-06-06
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: Affirm Holdings, Inc (IN)

Complaint:
I received mail from Affirm in XX/XX/XXXX for XXXX collection accounts from XX/XX/XXXX. I called the company and disputed the charges because I have never had an account with Affirm. They said they would look into it and get back with me, they also sent me a letter stating the same. I did not hear from them again. 

The three collection accounts then showed up on my XXXX credit report. I disputed them individually on XXXX on XX/XX/XXXX and the company notified XXXX they belong to me ( they are not mine ). I disputed them again on XXXX, said they are not mine and asked them to provide proof. They again told XXXX they are mine and did NOT provide proof. 

I called Affirm again and disputed the accounts. I was told they would research and call me back within XXXX days. Ive not heard anything from by phone or mail. 

These accounts are still showing on my XXXX report. I want them removed from my credit report and I also want Affirm to remove these XXXX debts from me because they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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. (NV)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: COMMERCE BANK (CA)

Complaint:
called to dispute card opening and charge was told '' I commited bank fraud " and im going to be arrested!! refuse to dispute charge from XXXX XXXX refuse to take my dispute refuse to stop calling me and threatening me calling me over 45 times rude fraud rep telling me they don't care if someone else used my card im paying the bill or there ruin my credit incredibly abusive fraud back office operator told me " you commited bank fraud " refuse to listen to me combative morons!! refuse to take off credit or follow ANY federal laws whatsoever ever refuse to dispute refuse to stop calling! yelling scream tell me I a fraud there not going to listen back office fraud refuse and kind of detail on charges yelling a screaming at me I commited bank fraud abusive combative could get a word any edge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
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: JPMORGAN CHASE & CO. (NY)

Complaint:
Hello to whom it may concern, I am reaching out in regards to fraudulent inquiries on my credit report. I have contacted both the creditor, XXXX and customer service would not take care of the issue. 
The Inquiries listed were : XXXX XXXX ( Bank ) XXXX XXXX XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/2021 XXXX XXXX  ( Bank ) XX/XX/2021 XXXX XXXX XXXX Bank ) XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
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. (GA)

Complaint:
I have wrote several letters asking for method of verification of accounts that are in reference to s dispute that includes report # XXXX dated XX/XX/2018. They are sending system generated letters instead of following section 609 ( a ) 1 ( A ) which requires them to send me verifying information, when I request. They are aware of what I'm asking for due to detail letters I have sent them on XX/XX/2018 and XX/XX/2018. The company does not have a phone number to call a human to help them understand what I need, everything is automated or electronic verification.

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 2019-02-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OR)

Complaint:
I called in many different times over the past several years letting the associates at Navient know that I was having trouble with making my payments. Each time, I was put in a forbearance or differed program. Each program I was put in racked up interest each month without any payment credits. I was never given the option of applying for an income based repayment plan and possibly having a zero payment but at least get credit for payments those months. I would have been several years in now of the IBR plan by  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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: Experian Information Solutions 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 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 2021-12-21
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. (CT)

Complaint:
After submitting numerous disputes Transunion continues to report wrong false information on my consumer file as accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28
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. (MO)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX Re : XXXX To Whom This May Concern, While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies : Inquiries : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Financing Companies XX/XX/XXXX XXXX Companies - non specific XX/XX/XXXX XXXXXXXX XXXX ( Reseller ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make inquiry and view my credit report. This is a violation of XXXX XXXX XXXX Acts XXXX XXXX ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from my credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Re : Unauthorized Crdit Inquiry To Whom This May Concern, I recently recieved a copy of my credit report. The Credit report showed a inquiry by your company that i do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit files unless i have authorized it. Please have this iquiry removed from my credit file immediately because it is making it very difficult for me to aquire credit. 


I have sent this letter certified mail because I need your prompt response to this issue within 30 days. 
Please be so kind to foward me documentation that you've had the unauthorized inquiry removed. 
If you find that i am remiss, and you do have my authorization to inquire into my credit report, then please sed me proof of my signed signature of this, otherwise, please note that I am reserving the right to take civil action if neccessary. 

Thank You XXXX 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 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 non-monetary relief
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: In progress
Consumer complaint received 2023-02-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Complaint:
Several attempts have been made through the 3 major credit bureaus 's and cfpb to attempt to recieve vadilation of debt for a unknown company that neither agencies have been able to present proof or vadilation of debt the cfpb referred matter out to the ftc and i still have not recieved a correspondence and its been well over 90 days that i recieved vadilation of debt from the 3 major credit bureaus for the company called The General that Equifax and XXXX yet to provide validation of debt per law there is a time limit that vadilation haves to be sent to consumer and yet its not recieved or removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (WA)

Complaint:
I already filed a complaint previously the complaint ID XXXX. Against Receiveables Performance Management. According to them they are correctly reporting to the credit bureau and that XXXX enlisted them to collect a debt ( which was already paid to XXXX ) I contacted XXXX once again who has again stated that because I had a agreement to pay them and I paid as per our agreement they did not enlist Receivables Performance Management. One of these companies is in the wrong!!!!!! I had an agreement with XXXX to pay at a certain time and if I kept to this agreement no collection activites or action would take place! So if XXXX indeed contacted Receivables Performance then they are in the wrong and if they did not as they keep telling me then Receivables Performance is in the wrong. All I know is I kept my end of the agreement and next step is to seek legal advice! This is very deceptive and something is not right.

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 2022-04-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands 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 2017-11-05
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. (OH)

Complaint:
On or around XX/XX/XXXX I was reviewing my credit report and I seen several errors on my report. My U.S. Bankruptcy Discharged was final on XX/XX/XXXX.  There are several accounts still showing that need to be removed. I am sure it was just a misshapes that it was not properly updated correctly. I have attached a copy of my 1.PHOTO ID 2. Bankruptcy Case # XXXX XXXX. Judge XXXX XXXX XXXX. 
3. ATTY : XXXX XXXX XXXX 4. PHONE : XXXX. 
5. ACCOUNT TO BE REMOVED ( SEE ATTACHMENTS ) 6.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 2019-12-01
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. (FL)

Complaint:
This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX  credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
This CAPITAL ONE XXXX account is reporting derogatory information as reported in my Credit Bureaus. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

CAPITAL ONE XXXX

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

Complaint:
told me informations on all three bureaus are correct but its not all have conflicting accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NC)

Complaint:
I received a letter on Friday, XX/XX/2021 that someone had filed for un-employment benefits in NC and they needed to verify my information, I did not file for un-employment so I called them and the credit bureaus, I also filed a police report. Today, Monday, XX/XX/2021 I received a checkbook and a debit card from TD Bank to my home with my name, address, the last XXXX digits of my social security matching but with a fake phone number. I called and alerted them that I had not opened the account but they did not want to give me any information on how they opened the account to begin with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24
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: Experian Information Solutions Inc. (TX)

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX card svc FAC customer service XX/XX/XXXX XXXX XXXX XXXX XXXX card XXXX XXXX XXXX These inquiries are on my credit report due to idententy theft and fraudulent activity. I would like these inquires immediately removed from my credit report as it is fraud. I have filed a fraud/ identity theft report through XXXX county police depart in Texas XX/XX/XXXX case # 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 2023-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
XX/XX/2023 noticed a drop in credit score on TransUnion. Found out a lender had reported a missed payment. Called lender ( XXXX ) and found that someone had used my name and social security number to get a loan on car tires. The loan was for ~ {$1600.00}. They didn't pay back the loan and then it was reported to TransUnion XX/XX/2023 XXXX agreed that the loan was faudulent and said they would contact Transunion Dispute and Fraud alert added to Transunion XX/XX/2023 Transunion credit score continues to drop, with fraud loan now further in default. 
XX/XX/2023 - still not resulved. Opened another dispute. 
XX/XX/2023 - chatted with TransUnion and tried calling 3x - hung up on each time XX/XX/2023- left a XXXX comment, chatted with rep. Was more helpful, but it seems that although XXXX says they responded to Transunion, TU did not have a record of that. There is a XX/XX/XXXX deadline for info from 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 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Complaint:
I reviewed my Consumer Reports and noticed that I had FIVE late payments on an account that I was never late for.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX  Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.

Company response to consumer: Closed with explanation