hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-04-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Northern Trust Company, The (FL)

Complaint:
On XX/XX/XXXX this letter was sent by E-Mail to a Vice President of Northern Trust XXXX with whom there has been abundant E-Mail communications. 

There has been no response. 

Response to this request would be time critical, as Northern Trust would be in the process of preparing paperwork to be signed to close this estate. 

Upon my receipt of the paperwork to close the estate, there would be by law thirty days to agree or disagree to closure. 

I can not agree to closure until the requested documents mentioned in my XX/XX/XXXX E-mail have been provided for my review. 

For reference there have been three, now four, CFPB complaints regarding request for documentation of charges to the estate. The latest was XXXX-XXXX. 

Letter : XX/XX/XXXX Due to water damage in XXXX to my dwelling I still do not have access to all the documents pertaining to my fathers estate which are still packed away in boxes. 

Today there was review of the monthly account statements for the past several months. 

There are two documents which must be received and reviewed before I will sign the pending estate closure agreement.

1. On the XX/XX/XXXX monthly account statement there would be a charge to the estate of {$6200.00} to XXXX XXXX XXXX, XXXX. 
Please forward all correspondence and documentation regarding this charge. 

2. On the XX/XX/XXXX monthly account statement there would be payment to the estate lawyer, which would be contradictory to a statement in a letter from a Senior Vice President that Norther Trust would have no further involvement with this estate lawyer.

This brings into question the statement from this Senior Vice President by letter that if I agree to close the estate uncontested, the estate would not be charged?

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 2021-03-02
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. (MD)

Complaint:
On XX/XX/XXXX I wrote and sent via certified mail a formal dispute letter to the following credit bueraus : XX/XX/XXXX and Transunion in regards to incorrect personal information and incorrect accounts being reported on my credit report which is having a damaging effect on my credit score and overall credit profile. Within this letter, I specifically stated for each of the credit bureaus to provide in detail the full scope of their investigation, including the names of the representatives from each creditor that they " verified '' the inaccurate accounts with, the date of this correspondance, and any legal documentation bearing my signature that I have with the " alleged '' creditor. I've also sent via certified mail an inquiry letter to each credit bureau demanding why my credit scores had such a huge drop within only 60 days. My XX/XX/XXXX score dropped 65 points, XX/XX/XXXX dropped 97 points, and Transunion dropped 78 points since XX/XX/XXXX. There is nothing on my credit reports stating or showing where this significant drop came from. None of the three credit bureaus responded to any of my letters inquiring about this. I could not get through to any of the bureaus on the phone, nor have I received any email correspondance. I am looking to purchase a home within the next 6-8 months and my credit scores were in the high XXXX 'XX/XX/XXXX, low XXXX XX/XX/XXXX before these drastic score drops which occured from XX/XX/XXXX - 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 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MT)

Complaint:
My father purchased a car for me back in XXXX. We opened a car loan with XXXX XXXX XXXX. My father died in XX/XX/2006 and while putting my name on the car loan and removing his name, they marked us both as deceased. I now have no credit score through Equifax. I have tried filing disputes through the agencies and the information comes back as " in good standing and correct. '' I have tried calling XXXX and after several months of them trying to un-archive my account, I was told my name and information had been deleted from their database. They did not fix their issue by marking me as " living '' but deleted me entirely. Now when I call, they can not locate me or my case. I can not get a loan, a credit card, basic utilities in my name due to this mess. I have contacted a lawyer who didn't want to touch the case. What do I do? 
Thank you! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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: EQUIFAX, INC. (AL)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX account # XXXX, XXXX XXXX ( original creditor : XXXX XXXX XXXX ) account # XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX ) with account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
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: Experian Information Solutions Inc. (PA)

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, has violated my rights. 

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

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

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 2023-03-10
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. (NY)

Complaint:
My name is XXXX 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 explanation
Consumer complaint received 2022-10-28
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. (NY)

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the 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 2021-09-18
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: OneMain Finance Corporation (NC)

Complaint:
ONEMAIN admitted they benefited from my credit card, which damaged my consumer report, and I received nothing. Pursuant to 15 USC 1681n Civil liability for willful noncompliance ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. My credit card, which is, any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit pursuant to 15 USC 1602 ( l ). A deletion is admission. It shouldnt have been on my consumer report in the first place. I didnt give my consent for that. Again, I am seeking monetary relief pursuant to civil liability for willful noncompliance 15 USC 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Complaint:
Portfolio Recovery Associates, amount is XXXX. Account Portfolio Recovery Associates shows the account was paid off. I have no knowledge of this account. I have disputed this account with XXXX, XXXX and XXXX and also sent Portfolio Recovery Associates a debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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. (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. 

Account name : XXXX  XXXX Account number : XXXX 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 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 2020-11-29
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: CBC Companies, Inc. (TX)

Complaint:
*** XXXX XXXX XXXX XXXX, TX XXXX * XXXX XXXX  XXXX XXXX, TX XXXX < -- ( DELETE WRONG ADDRESSES, NOT MY ADDRESSES ). 
XXXX XXXX XXXX XXXX {$21000.00} < -- ( NEVER LATE HOW IS THIS VERIFIED AS ACCURATE? REVIEW MY ATTACHED DOCUMENT REGARDING THIS ACCOUNT FOR XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX {$3500.00} < -- ( NOT MINE, HOW IS THIS VERIFED? FCRA violation. FTC violation failure of 45 days to settle. ) XXXX XXXX XXXX XXXX {$390.00} ( NOT MINE, HOW IS THIS VERIFED? FCRA violation. FTC violation failure of 45 days to settle. ) FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

Complaint:
I noticed on my credit report a company called Jefferson Capital System. Looking into it further, the debt is from XXXX XXXX XXXX for a loan. I have never had a loan with this company, nor have I ever had a loan with any company. The loan was obtained on XX/XX/2015. During this time, I was in XXXX XXXX XXXX XXXX and had no access to be able to obtain a loan. I have no knowledge of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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: In progress
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Complaint:
This is a rebuttal to NMACs response to : Complaint # XXXX : I appreciate the extensions that NMAC gave me in the past because COVID-19 was a very trying time for all of us. 

But NMAC proved my point in its response to the complaint : the fourth bullet which says, On XX/XX/, NMAC received a payment of {$1000.00}, which paid the XX/XX/XXXX  payment that was over 30 days past due. If you look at the attachment for XXXX Payment Summary, it shows that XXXX is NOT reported late. XXXX is reported late even though its payment that was paid on XX/XX/, was not over 30 days past due. 

It looks like to me that with the extensions, late fees, etc., in the past, after I paid the account up current, including all late fees, NMAC was just determined to report something late to the credit bureaus, even though the payment should not have been reported late. 

They also indicate in their response that In accordance with the Fair Credit Reporting Act ( FCRA ), NMAC is required to accurately furnish account information and reports on accounts to the credit reporting agencies. Well, XXXX ( over 30 days late ) was not reported late, so they did not furnish accurate account information to the credit reporting agencies. They used XXXX as the scapegoat, and they should not have. 

The credit reporting is in error. It confused me because NMAC said they were reporting XXXX payment more than 30 days past due, but the credit report ( XXXX ) is showing XXXX on time, and flagged XXXX  30 days late. Ive attached a screen-print from XXXX showing this error. 

So due to this error and confusion and since I was under the impression that if I made the payment by the next months due date, it would NOT be reported 30 days late, I would like to request that NMAC make an exception this one time and remove the 30-day late payment altogether. 

Thank You. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (MD)

Complaint:
On the XX/XX/XXXX Experian received my certified complaint and on XX/XX/XXXX they sent an email back advising that they can't identify me. How is that possible when I have a copy of my SSN and my Drivers License attached to the dispute itself.

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 2019-08-19
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. (MN)

Complaint:
By XX/XX/XXXX I checked my credit report and I found many mistakes in the account with XXXX XXXX XXXX XXXX, I request to the credit bureau and XXXX XXXX to take care this, apparently my request is not enough because nothing change except a letter state they are not going to change anything since everything is ACCURATE!!!ATTACH proof of the the inaccuracy DOLA BETWEEN THE 3 BUREAUS SHOW XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX  XXXX show as paid but transunion an XXXX  report derogatory, is insulting to got a letter state  "after conducting a detailed review of your account we confirmed XXXX is reporting information accurately"

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 2021-11-17
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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

Complaint:
My name is XXXX 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 2023-04-21
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. (MD)

Complaint:
I am submitting this CFPB Complaint to dispute the fraudulent items I notticed beiongreporting on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. The items in question are as follows : 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  EQUIFAX 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can assure you that I did not open these items or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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:
Account # XXXX - XXXX XXXX XXXX 15 USC 1681 Section 602 A States i have the right to privacy 15 U.S.C 1681 Section 604 A Section XXXX It also states a consumer reporting agency can not furnish account without my instructions

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