hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-05-28
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: EQUIFAX, INC. (NC)

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
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. (IL)

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2017-06-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

Complaint:
Since XXXX, I have been exhausted trying to communicate with XXXX XXXX ( currently XXXX ) regarding my excessive student loans ( {$95000.00} ) I have written letter and made numerous phone calls and I continue to be unsuccessful in my efforts. My most recent request was faxed to XXXX and included specific documentation from my credit report on XXXX/XXXX/XXXX and I received an email which stated that I would receive a response within 5 business day. Not only did I not receive a response, I received a letter that my loans have changed and I know have a monthly payment of XXXX. Part of the issue is I have a mixture of private loans and Federal loans and I was n't aware that they were not consolidated until I began to check my credit report to obtain a mortgage

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 2016-02-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Information Bureau, Inc. (FL)

Complaint:
Doctors Business Bureau for {$240.00}. That debt has been paid and I have a letter supporting it. That debt has been in my credit report since last year and it needs to be removed immediately. Its hurting my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Complaint:
This account had previously been disputed and removed from report. I guess another company acquired it and they were given a letter by me explaining it was removed and I again was disputing. I received a letter dated XXXX XXXX, XXXX saying they were ceasing collection. This is the second letter I received from them explaining they were ceasing collection, which I got before the XXXX of XXXX. I received my updated credit report explaining that they re-investigated and the information was said to be true. I did not receive any documents showing proof of their investigation and it is still on my credit report even though the collection agency said they were ceasing collection. My report is dated XXXX XXXX, XXXX which is after the letter from the collection agency. It should have been removed.

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 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Complaint:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

Complaint:
XXXX has violates my rights under the fair credit reporting act. 

They are reporting a charge off account to my credit file claiming the charge off account balance is {$2300.00} and they contradict themselves and report on the same report that the Charge off amount is {$0.00} I am entitled by law to gave have accurate, fair, and complete reporting or data and you can see by the attached document that XXXX has reported data that incorrectly and against federal law 15C.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation (TX)

Complaint:
I am filing this complaint because my rights as a consumer have been violated under the FCRA 15 U.S CODE 1681S -- 2 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ) AND ( FDCPA 15 U.S CODE 1692E - FALSE OR MISLEADING REPRESENTATIONS, due to NO RESPONSE from ONEMAIN

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
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. (TX)

Complaint:
cra violation inaccurate information id theft gov po report to houston hd

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
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. (SC)

Complaint:
I recently received a copy of my credit report from transunion and XXXX and i immediately realized a host of violations on each report. The collection accounts listed below are in direct violation to FCRA laws 15 U.S.C 1681 ( a ) ( 4 ) stating that its the credit reporting agencies grave responsibility to respect the consumer 's right to privacy and i feel rights were violating with these collections on my my credit report : XXXX XXXX Acct # XXXX. 
XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX .... 
XXXX XXXX XXXX Acct # XXXX The credit reporting agencies were also in violation of law 15 U.S.C 1681 ( b ) ( 2 ) stating that reporting agencies are to furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates! No reporting agency had any written consent to furnish these accounts on my behalf and that is identity theft!

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 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Complaint:
XXXX is reporting a late payment ony credit file on an open account and they can not do so. TRANSUNION should not be allowed to report it. 15 U.S.C 1666 B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Also XXXX account is reporting errors on my Transunion credit file as well such as past due, last reported, date last active, and date of last payment. 
15 U.S.C SECTION 602 A states that I have the right to privacy. Also 15 U.S.C SECTION 604 A SECTION 2 states a consumer reporting agency can not furnish a account without my written instruction

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 2021-06-25
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: U.S. BANCORP (CA)

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-06-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2017-04-24
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. (CA)

Complaint:
I was affected by Transunion inquiry issue. They reported inquiries on my credit report which should not be there. I have spoke to the customer rep and they were not able to help. I would like these inquiries removed from my credit report.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   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 explanation
Consumer complaint received 2021-11-09
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 2022-01-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Education, LLC dba Aidvantage (MA)

Complaint:
I have student loans from XXXX that Ive had since I was XXXX. They just recently transferred them over to a different company ironically rigt when they had a lawsuit against them for XXXX  us over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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. (GA)

Complaint:
I am dealing with a derogatory account with XXXX XXXX XXXX on my consumer report. XXXX XXXX XXXX sent me a letter stating the tradeline will be deleted, but it is still showing on my consumer report. Due to the furnisher erasing this account, please remove this account from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : 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 2018-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NV)

Complaint:
Around the end of XXXX, I applied for an American Express delta gold card online. I was approved and upon approval, they gave me a digital card which the numbers were diff where as the digital version didnt have your delta sky miles number on it. So two months later after getting the physical card, I said lrts Use it. and they go declined so after I apply online then applied delta skymiles number called XXXX to put it on my card which they did.after all that, some XXXX XXXX transfers me to no XXXX XXXX or XXXX XXXX from XXXX. So after three min Id usually say to XXXX him off I said but I go can you repeat what you just said to long story short XXXX boy goes theres a question to verification of who I am. And this after temp card skymiles physical card no one called me no one wrote me a letter and god forbid I use constitution as something I go thats not legal. The affordable care act mandates ins companies to give a consumer thirty day notice if they will terminate their twelve month contract. Sure changed contract law so in a court of law my application comined with XXXX ending me physical card = contract. So now I hold to the physical card went to noteary got XXXX motorized proof I am who ya approved card for so XXXX goes XXXX XXXX cancels my card and never told me why. Thats legal have you ever heard of the intelligence identification protection act? When XXXX ever go approved actually cancel w/I bankruptcy being the deal breaker. I didnt charge XXXX dollar who needs tell me my acct terminated?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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. (MI)

Complaint:
In accordance with the Fair Credit Reporting and XXXX XXXXXXXX Account # XXXX, XXXX Funding Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 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 2022-04-19
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. (SC)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681section 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 2018-01-13
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. (LA)

Complaint:
I am at my whits end. I honestly do n't know what else to do. I 'm trying to get some inaccuracies off my credit report but i keep running into dead ends with the credit bureaus XXXX ... ... .. 

XXXX # XXXX I HAVE NEVER DONE BUSINESS WITH XXXX!!!!! I HAVE ALSO TRIED TO CONTACT THEM SEVERAL TIMES!!!! CLEARLY THIS COMPANY HAS MADE A MISTAKE AND THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY!!!! 
-XXXX XXXX # XXXX THIS COMPANY IS IN SEVERAL VIOLATIONS OF THE HIPPA LAW!!!!!!!!! THEY SENT ME SEVERAL DOCUMENTS THAT HAD ALL MY MEDICAL INFORMATION ON IT ... .DOWN TO THE PROCEDURES I HAD DONE. i ASKED THEM FOR A MEDICAL RELEASE FORM AND THEY FAILED TO SEND ME ONE!!!!! THIS COMPANY NEEDS TO SEND THIS ACCOUNT BACK TO THE ORIGINAL CREDITOR AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT ASAP!!!! 


( TRANSUNION ) ) PUBLIC RECORD # XXXX FIRST OF ALL I HAVE NEVER IN MY LIFE FILED BANKRUPTCY!!!!! SOMEONE HAS MADE A MISTAKE AND IT IS CAUSING GREAT DAMAGE TO MY CREDIT REPORT!!!!! THIS IS VERY INACCURATE INFORMATION AND NEEDS TO BE REMOVED!!! HOW IN THE WORLD ARE YOU VERYFYING THIS ACCOUNT TRANSUNION? WHO ARE YOU SPEAKING WITH? CAN I GET A NAME, DATE AND TIME SO I CAN PROCEED WITH THE STEPS I HAVE TO TAKE!! 
-XXXX XXXX XXXX I HAVE NEVER DONE BUSINESS WITH XXXX!!!!! I HAVE ALSO TRIED TO CONTACT THEM SEVERAL TIMES!!!! CLEARLY THIS COMPANY HAS MADE A MISTAKE AND THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY!!!! 
-XXXX # XXXX THIS ACCOUNT IS INACCURATE ... THE ACCOUNT NUMBER AND THE BALANCE OWED ... .PLEASE REMOVE!!!! 

( ( XXXX ) ) XXXX XXXX # XXXX THIS COMPANY HAS ALREADY HAD CHARGES BROUGHT UP AGAINST THEM FOR FAILING TO SEND REQUESTED DEBT VALIDATION!!!! I SENT THEM A LETTER FOR DEBT VALIDATION OVER 1 YEAR AGO ... .NO RESPONSE AND THE LETTERS KEEP COMING BACK ... HOW ARE YOU VERIFYING 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 explanation
Consumer complaint received 2023-04-10
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. (GA)

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance : {$12000.00} ; XXXX  XXXX Balance : {$1500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX 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 2020-11-16
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. (FL)

Complaint:
I filed a Consumer Finance complaint previously with XXXX XXXX  regarding account XXXX. They responded and stated they would have the account removed from the credit bureaus, but when I check my XXXX  report the account is still showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DE)

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing 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 Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation