hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

Complaint:
I have been paying " XXXX XXXX XXXX  '' {$9.00} per month since 2019 under the assumption my loans were being serviced by Navient and ignoring XXXX as advised who I come to find is my actual servicer. I was told this was a forgiveness program when in actuality i was under a forbearance with nelnet and due to the pandemic did not actually have any payments thankfully. I want to assure I receive what I am entitled to through the Navient settlement and report the fraud. My account states XXXX XXXX XXXX  XXXX on my members 1st account. They do not respond. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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. (OK)

Complaint:
In Accordance With The Fair Credit Reporting Act XXXX 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 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 2023-08-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

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 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

Complaint:
XXXX is reporting that I was 90 days late on XXXX different loans in XX/XX/XXXX, though my XXXX payment is on time. 
I have disputed with the company, spoke to reps, mailed letters and to know avail. 
In addition : This account is a billing error. A creditor that fails to comply with the requirements outlined in the fair credit billing act forfeits any right to collect from the XXXX. 

This is not a refusal to pay but a notice that this alleged debt is disputed. 12 CFR 1026.4 Defines a finance charge. I respectfully request your company provide me with the documentary evidence that clarifies this billing error.

I consummated this consumer credit contract under good faith and credit. 16 CFR 433.1 ( i ) states Consumer credit contract is any instrument which evidences or embodies a debt arising from a XXXX XXXX XXXX transaction or a financed sale as defined in paragraphs ( XXXX and ( XXXX ) of this section.. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I DO NOT consent to furnishing any negative information to any non affiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court input and XXXX my versus 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 2020-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Complaint:
inaccurate information is being reported on my credit report. it is affecting my credit and credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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. (MD)

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.

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 2022-01-26
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: EQUIFAX, INC. (MA)

Complaint:
Hi Equifax, XXXX, XXXX, & CFPB ; I'm a little surprised and shocked that both XXXX XXXXXXXX and XXXX XXXX XXXX are still reporting inaccurate, and incomplete information on my credit report, but yet, your agency mentioned on previous dispute results that the dispute has been resolved. How can it be resolved if it continues to report the same previous negative, incomplete, inaccurate, and unverifiable information? For example, still continue to report different dates of DOLA, DLP, DLR, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. It's my understanding from reading the recent articles from the Cfpb website that each of the credit bureaus, Equifax, XXXX, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. What was the method of your investigation from my previous disputes? Who did you talk to? How can you truthfully say that it was verified if all those items are still reporting with multiple inaccuracies and incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (FL)

Complaint:
NATIONAL RECOVERY AGENCY is falsely reporting debt on my credit report. They are reporting two different accounts ; one in the amount of {$1200.00}, and another in the amount of {$970.00}. NATIONAL RECOVERY AGENCY is reporting both of these collection accounts, to all three credit bureaus with a false original date of XX/XX/2022. Both of these collections accounts are too old to be on my credit report. NATIONAL RECOVERY AGENCY is not legally allowed to report these debts to the credit bureaus according to the FCRA. It is the burden of NATIONAL RECOVERY AGENCY to prove that these collections reports are legitimate and they can not do so therefore these accounts must be removed from my credit report. NATIONAL RECOVERY AGENCY must stop reporting these accounts immediately as they are in violation of the FCRA. 

XXXX has recognized through a dispute that these collections accounts are illegitimate and they have been forcibly removed by XXXX. Please see attached dispute report. 

However, despite this NATIONAL RECOVERY AGENCY is continuing to report false information to the other credit bureaus. 

NATIONAL RECOVERY AGENCY ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NTL RECOVERY AGENCY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2022-08-15
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. (PA)

Complaint:
I have been dealing with identity theft for the last two years I have reached out to Trans Union multiple times to try to clear up fraudulent information on my credit report and they will not assist me with any help I have disputed information and they have yet to remove fraudulently information off 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 non-monetary relief
Consumer complaint received 2018-12-18
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: DISCOVER BANK (NY)

Complaint:
Equifax has been non-compliant with removing the unverified account DISCOVER BANK Date opened XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

Complaint:
Midland Funding/XXXX per XXXX credit report XX/XX/XXXX Midland funding est fall off date XX/XX/XXXX looking at XXXX XXXX, midland funding was removed from credit report XX/XX/XXXX new XXXX XXXX report XX/XX/XXXX ; midland funding was placed back on and new est fall off date XX/XX/XXXX 1-why was it put back on after it was removed 2-why is the fall off date changed to XX/XX/XXXX from XX/XX/XXXX 3-date of last payment with original creditor XXXX XXXX XXXXl XX/XX/XXXX per credit report ( XX/XX/XXXX was 30 days late and account never brought up to date. XXXX XXXX shows last payment XX/XX/XXXX but delinquency date of 120 days was XX/XX/XXXX. XXXX XXXX already removed from all three credit reports. 
4-SOL for PA is 4 years and previously midland already advised in writing they can not sue me! 
5-why did date change and put back on credit report after it was removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

Complaint:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

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 2020-05-15
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. (AR)

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX  XXXX {$9000.00} XXXX XXXX  XXXX {$4800.00} XXXX XXXX {$87.00} XXXX XXXX {$200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
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: Experian Information Solutions Inc. (TX)

Complaint:
On XX/XX/2020, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 30 days later to the date, I have not received any response. Under federal law, you have 30 days to complete my investigation. 


Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be removed 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 2023-04-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (IL)

Complaint:
I bought a prepaid card for my daughter in law. I have the receipt and provided it. The company assured us theyd send a new card and they have not. The card has a huge barcode over the back of it so you cant even read who to contact. I finally got ahold of the company and you have to jump through hoops ( what is 9+5 ) to even connect to customer service. I have been on hold for 20 minutes and no one has answered. The card is locked so I cant confirm it online. The website says the closed shop and asked you to contact XXXX XXXX instead. It is listed as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
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 — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY (WA)

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aargon Agency, Inc. (LA)

Complaint:
I was informed by representative to continue with previous complaint due to misrepresentations. My previous case number was XXXX. 

XXXX XXXX, XXXX and XXXX, My itemized account was disputed due to misused of information. You stated in your feedback that you are in communication with an attorney ( as requested ) and the itemized statements were directed to only " my attorney ''. I have not yet officially hired an attorney, therefore I do not have an attorney. Please provide the business agreement between you and the company that you stated you sent to an attorney ; pertaining my last 4 digit social, WET INK signature, because I do not recognize coming into agreement with you or gave consent to the original creditor to give out any of my personal information. Provide the documents and please send it with notary to verify authorization and not a computerized letter. Also, state 15 U.S. Code 1692e ( 2 ) ( A ) & 15 U.S Code 1692e ( 3 ) - False or misleading representations. Due to you stating to have sent the document to an attorney whom does not exist.

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 2023-08-26
Product: Credit reporting 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. (NV)

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized, false and fraudulent reporting inquiries made by the following companies : Inquiries in Dispute : XXXX. XXXX, Delete this Inquiry for fraudulent reporting becuase You have not shown you had obtained Permissible Purpose which is a clear violation of the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. The XXXXnquiry was reported on XXXX XXXX. XXXX XXXX XXXX, Delete this Inquiry for fraudulent reporting becuase If the creditor couldn't send me anything, then what are you using to verify this inquiry? The Inquiry was reported on XXXX XXXX XXXX XXXX, Delete this Inquiry for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately The Inquiry was reported on XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; TransUnion, written permission or my consent to furnish this information onto my credit report or consumer credit file. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Enclosed are copies of ID and proof of mailing address. 

Thank you for your time, 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 2023-07-12
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. (FL)

Complaint:
My credit report is showing a XXXX XXXX and a XXXX XXXX Authorized User Account that I have never opened or authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Complaint:
The company XXXX XXXX XXXX XXXX, is attempting to collect on a alleged debt. Please be advised that I have no debt obligations with this company. I have disputed this alleged debt with the 3 credit bureau 's XXXX, XXXX, and XXXX. I have also requested the company provide account level documentation concerning the alleged debt accounts. The company has not provided me with the requested documentation. The company Portfolio Recovery also never provided me with any notice of this alleged debt prior to reporting negative information on my credit file. This company has had an CFPB consent order put out on them for various violations of the fair debt reporting act. I would like for these accounts to be removed from my credit file immediately for lack of debt verification and also on the grounds of the accounts not being mine. I have not debt obligations with the said company. These accounts have caused an hardship in me and my family 's life.

Company response to consumer: Closed with explanation