hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-05-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
Original CFPB complaint XXXX Transunion sent a certified affidavit stating they verified a public record listed within my consumer with the court. Transunion violates the FCRA by sharing my personal information, which they purchased from a 3rd party without a permissible purpose. I've also attached an affidavit from the XXXX XXXX certifying they don't report any consumer info to CRAs. 


This a clear infraction of the law, and I demanded action be taken! 

The court letter I've attached directly refutes the claim by Transunion that this data source reported any information to this.

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 2021-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (OH)

Complaint:
I opened a bank account at Chase bank for myself and a XXXX XXXX account for my XXXX XXXX After having these accounts open for a few months I began to get XXXX  XXXX notifications to my phone stating that someone has logged into my account, someone has changed my password, someone has added a new phone number to the account. I contacted Chase right away on XXXX XXXX and I was told to change my password, my user name and the password for the email that I used to originate the account. I did all of that and I was told it was all fine. The next day I received the same notifications. I contacted Chase and asked to close the accounts as someone was clearly hacking them. I was told them could not be closed unless I came in in-person to a location because my account had too much money in it. This was on Sunday. Because of the holiday weekend the banks won't open until Tuesday. I explained that all of the money would be gone by then. They declined to comment on that. I have been on the phone with them for most of the day, transferred to departments that are closed, dead numbers, hung up on and told to, " Have a nice day and thanks for banking with Chase! '' as I was sobbing into the phone and begging them to close my account as my phone is pinging with notifications that people are getting in. They will do nothing. My online account is locked so I can't even see what my balance is. I can only wait until Tuesday and then see what ruins are left of my life. They still are refusing to close my account.

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

Complaint:
In XX/XX/XXXX, I received an approval letter for a covid-19 deferment for the XXXX XXXX XX/XX/XXXX. The bank reported the deferment payments as late with XX/XX/XXXX with it being 150-179 days past due, XX/XX/XXXX being reported as 120-149 days past due and XX/XX/XXXX being reported as 90- 119 days due. 
I want this lates removed off my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MO)

Complaint:
NAVIENT consolidated the Loan amount stated below on XXXX/XXXX/XXXX but only shows payments from XXXX/XXXX/XXXX. When I contacted them to protest the balance they claimed that they do n't have records for the previous 5 years. I 'm frustrated by their lack of accountability in managing my account balance. I also started a XXXX in XXXX and should have qualified for Loan forgiveness under the Navient Guidelines for Forgiveness & Discharge,  but again, I received no assistance in this matter. My XXXX XXXX has been active and Filed all Tax returns through XXXX. When I heard they were being Sued by the CFPB as well as three Attorney 's General, I investigated and feel well within my rights to file a complaint to seek relief from this " Never Diminishing Balance '' The following are facts pertinent to my Loan obligation with NAVIENT * {$68000.00} in consolidated Student loans, * XXXX per month payment, amortizes out to 4.125 % over 30 years Leaving a balance ( allowing for 12 months of deferment ) OF {$50000.00} * Current Balance, however, is XXXX * Missing payment Schedule between XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX Eligible for Loan Forgiveness from XXXX when XXXX XXXX was approved. 
* Balance should be {$50000.00} ( not calculating the payment increase to {$340.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Uplift, Inc (IL)

Complaint:
I received a copy of my credit report and found an account that didn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
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. (OH)

Complaint:
I have contacted the company several times and advised I have no knowledge of this account. I have asked for documentation or signature examination and no response but keeping reporting negatively on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (TX)

Complaint:
I had ordered a shirt and two wallets from XXXX XXXX back in XX/XX/XXXX for the amount of {$1200.00} being charged on my gold American Express card. The signature was required which is great because my parents were home. I got home from work and the box was tampered, it had a slit on the side with tape.. i took pictures before i even opened the box. As i was opening the box i started to take more pictures because i noticed the only thing inside was the wrapping paper and thats all. None of my items that i ordered were there and so i then called to see what was going on and my American Express opened a dispute on this, i just got rebilled for the full amount Im not sure why and i dont understand how either. They spoke to someone in the dispute department and told me that XXXX said on their end that the package was delivered. YES the box was delivered but with nothing inside and it was tampered. How is that my problem? I dont understand how i have to be liable for something i never received. I still have the pictures i took so Im attaching them to this. Thankyou

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
I currently have fraudulent account and Unauthorized inquiries appearing 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 2022-06-13
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: EQUIFAX, INC. (GA)

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, and 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Complaint:
Experian continues to violate federal law for years. Please find my correspondence in accordance with law attached to this federal 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 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NRA Group, LLC (TX)

Complaint:
i disputed incorrect items on my credit report and its past 30 days and i havent recieved and results from this investigation.

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 2022-01-26
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:
I have sent Experian Multiple documents that they requested i needed to send them that were related to identity theft. I did everything that was asked to submit and they have not addressed the problem and haven't removed the account. they give me responses that doesn't pertain to identity theft. I dont know what else to do. this is causing harm, frustration. 
Please delete the fraud accounts immediately 1.XXXX XXXXXXXX 2.XXXX XXXXXXXX XXXX- XXXX 3. XXXX XXXX XXXX XXXX 4.XXXX XXXX XXXX 4.XXXX  and this fraudulent inquiry 1. XXXX XXXX  XXXX XXXX XX/XX/2021 I never gave XXXX XXXX XXXX XXXX  to look at my personal information.

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 2016-01-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Progressive Financial Services, Inc. (NY)

Complaint:
Progressive Financial Services is calling a business office trying to collect a debt. We have told them numerous times to stop calling. We keep telling them that they are calling a business and the person they are trying to reach can not be reached at our business phone number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (TX)

Complaint:
I sent CENTRAL PORTFOLIO XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) a letter in XXXX with tracking number XXXX requesting Can you please provide the date of delinquency, a copy of the Dunning Letter, your license that you can collect on my state, a copy of the contract with the bill of sales, a copy of the application, a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which they are reporting to the credit reporting agency. I dispute the accuracy and the validity of the account. THEY FAILED TO INVESTIGATE AND RESPOND IN 30 DAYS! 

They responded with a letter with the date of XX/XX/21 and the letter is insufficient. 

CENTRAL PORTFOLIO is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (SC)

Complaint:
I sent in a letter for validation with electronic return receipt and it was delivered on XXXX XXXX, 2016. It is now XXXX XXXX, 2016. I have not received a letter of validation. I called XXXX on XXXX XXXX, 2016 asking for the account to be removed since I did not receive validation and it 's been more than 30 days. Their response was that Diversified Consultants verified the account with XXXX on XXXX XXXX, 2016 but I still did not receive validation as I 've asked. Now I am requesting deletion but XXXX refuses saying that they will send validation in 7-10 business days. It 's been longer than the 30 day mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (VA)

Complaint:
On XX/XX/22 credit report was given stating points decreased due to one unpaid bill with MRSBPO collections. Called this company and was informed of ( XXXX ) area code with Florida address had opened an XXXX mobile account back in XXXX XXXX and amount pending was {$2200.00}. I never lived in Florida nor do I own a mobile number starting with area code ( XXXX ). I did not give consent or open an XXXX mobile account.

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 non-monetary relief
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Complaint:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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: Experian Information Solutions Inc. (NC)

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, US DEPT ED Company Inquiries : 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 explanation
Consumer complaint received 2023-07-29
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. (PA)

Complaint:
To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified, It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, Incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : are fraudulent accounts 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 2022-12-08
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. (NC)

Complaint:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 US DEPT ED XXXX XXXX  : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (DC)

Complaint:
On XX/XX/XXXX I purchased a new BMW XXXX XXXX. The car was financed by BMW Financial Services. I have never missed a payment but I have taken advantage of XXXX payment deferrals and XXXX Covid related deferrals, totaling 8 monthly payment deferrals. Since around XX/XX/XXXX, I've been paying my payments through the XXXX XXXX with the exception of a couple times. Earlier in the summer of XXXX, BMW Financial claimed I was 90 days late. That surprised me but I thought well maybe I am, and I paid additional monies towards my loan in an effort to bring it more current. In XX/XX/XXXX, I received a letter from BMW Financial stating my loan had matured and I had an outstanding balance of more than {$10000.00} and that payment was due at once. This is in the peak of the height of used car values skyrocketing because of the chip shortage from Covid and manufacturers weren't able to produce new cars. My immediate thought on the letter was that BMW XXXX is acting in a predatory manner to wrongfully repossess my car because its value was approximately twice what I owed on it. The letter claiming my XXXX payment has to be more than XXXX times my monthly payment. Even though I thought I had this letter straightened out, and continue with my monthly payments of {$920.00}. I go to make my payment in XX/XX/XXXX and my debit card wasn't working. I call to make the payment and the representative, XXXX tells me my payment is 152 days late. This was impossible because I'd been making my payments all along. Before calling to make my XX/XX/XXXX payment, I had initiated buying a house and was in the process of getting a mortgage and discovered some errant reporting on my credit file by BMW that I was more than 90 days late. When I made the XX/XX/XXXX payment I also requested XXXX to get the information at the credit bureaus corrected. She had already identified the problems behind my payments being late as being made through the XXXX XXXX as being received but not applied on the dates by the App. I called yesterday to check on the status my request for the corrected credit bureau information. I spoke to XXXX, XXXX, XXXX, and XXXX. They all refused to provide me answers and released the calls. Today, I called and spoke with XXXX. He at least wasn't defensive and did listen. But nothing had been updated with the credit bureaus and even though I'm making regular payments I'm still continuing to be late day-by-day. I have every reason to believe BMW XXXX is acting in a predatory manner and making every attempt to fraudulently repossess my vehicle. I need CFPB to intervene to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
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. (TN)

Complaint:
I recently ordered my consumer report from annualcreditreport.com. Upon arrival, I noticed that TransUnion has placed a total of 25 inquiries/accounts on my consumer report that violate FCRA federal laws. I sent in my identity theft report and demanded that all 25 inquiries/accounts be blocked and removed from my report because, I, the consumer and natural person, did not consent to, authorize, nor benefit from any of those inquiries/accounts. Every inquiry and account that I sent them are violations of the following sections of the FCRA. 15 USC 1681 ( a ) ( 4 ) ... 15 USC 1681 ( 2 ) ( a ) ( i ) ... 15 USC 1681 ( 2 ) ( b ). It's also another violation because I never gave TransUnion my written permission to furnish any of those 25 items on my consumer report. As a consumer, I am demanding that all 25 be removed. I sent the company certified mail, so I know when all of the information was received. I have proof of my entire consumer report. I have proof of certified mail with all documents that I sent to TransUnion. I have proof of when they received the documents.

1. The request to block was not made in error.

2. The request to block was not based on material misrepresentation.

3. I, the consumer/natural person, did not consent to, authorize, or benefit from any of those accounts/inquiries. If I received goods or services, I need them to have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of any of those transactions.

Please be aware that I am very familiar with the FCRA laws that govern TransUnion and the rest of the consumer reporting agencies. I know that TransUnion is now civilly liable for all violations under the FCRA federal laws. Under the civil section the amount per violation is {$1000.00}. I am demanding compensation for those violations.

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