hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (PA)

Complaint:
Fraudulent Accounts appearing and Inquiries on Credit Report. 


Inquiries fraudulent accounts and inquiries appearing on credit report. Inquiries 1. XXXX XXXX  2.XXXX XXXX. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX 7 XXXX  XXXX XXXX 8 XXXX  9 XXXX XXXX XXXX 10 XXXX 11 XXXX XXXX XXXX 12. XXXXXXXX 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 2017-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (AK)

Complaint:
It was brought to my attention that Navient has not been able to prove ownership of many student loans as well as mishandling of payments, documentation of loans, and steering people into forbearance, etc. To ensure that I will not have to pay my Navient Student Loans twice in the event Navient does n't actually own them, I called Navient twice ( XX/XX/XXXX -- XX/XX/XXXX ) and requested documentation of ownership of said loans. Both times I called Navient, they sent me a standard billing document and I have yet to receive any documentation showing proof of loan ownership by Navient. 

Both times I called, I specifically asked for documentation showing all of my student loans owned by Navient. I clarified that if I did not receive documentation that it would be my understanding that the student loans were not owned by Navient. The CSR stated that, " Yes that is correct. The documents that will be sent to your email will contain a link to your Navient owned loans ''. 

I have attached 3 documents : 1. ecorrespondence XX/XX/XXXX I received this document after my first call to Navient 2. ecorrespondence XX/XX/XXXX I received this document after my second call to Navient 3. Student Loan XX/XX/XXXX This is a screenshot of my Navient loan page What I am looking for is proof of ownership by Navient of all of my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
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. (TX)

Complaint:
XXXX ; XXXX and Transunion should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached for reference. ) These multiple inquiries are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2018-11-06
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. (ND)

Complaint:
I have contacted Equifax, XXXX, and XXXX on numerous occasions, both by phone and mail, and tried to have them explain to me how they are verifying these erroneous reporting accounts as accurate, and they always reply with, " we obtain our information from XXXX and the XXXX system for these accounts. '' XXXX and the XXXX system are NOT the original creditors to any of these erroneous reporting accounts, and their reporting should not be counted as " verifiable ''. If these 3 bureaus can not give me satisfactory information and provide me with written proof of the creditor they talked too with complete phone number, and written proof with the name of the customer service member that they obtained the information from, or written proof of the clerk of courts name and telephone number, and written proof that they talked with him/her, then they are in violation of FCRA 611 and MUST DELETE these erroneous accounts from my credit report!!! I am a litigious consumer, and if these accounts and hard inquiries are not removed from my reports immediately, I will sue these bureaus for violating my FCRA rights!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
XXXX account # XXXX {$12000.00} the creditor said they would not report any negative payment to the bureaus for 6 months because I called prior to advise them my income had changed significantly due to covid. I even asked the representative if there was anything I needed to sign and she said no that she would enter all information into the system. 


When Federal Law Prohibits Negative Credit Reporting The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. 

Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a 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 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint:
This is my fourth 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, LA XXXX XX/XX/2023 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00}

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 2021-11-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Complaint:
I pulled my credit report and discovered these accounts as collections on my credit report. I sent a written dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and was reported as meets the Fair Credit Reporting Requirements. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information below you are by law required to delete all entries off my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13
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. (AR)

Complaint:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from 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 explanation
Consumer complaint received 2020-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

Complaint:
Portfolio Recovery trying to collect {$4900.00}. I never heard of the company, never did business with the company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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. (FL)

Complaint:
XXXX XXXX, Experian Information Solutions , Inc., and XXXX XXXX XXXX has no permissible purpose to be furnishing this information pursuant to 15 U.S.C 1681b. I am aware neither one of these conditions apply, and XXXX XXXX, Experian Information Solutions , Inc., and XXXX XXXX XXXX is furnishing information from XXXX XXXX, XXXX. In addition, XXXX XXXX is involved in Racketeering Activity along with XXXX XXXX, XXXX. by furnishing negative, inaccurate information, oppressing and harming XXXX XXXX XXXX, Consumer. In addition to receiving proceeds derived from such Racketeering Activity. Convictions of Racketeering Activities carry up to a XXXX XXXX XXXX of Chief Executive Officers of all parties involved. All three of the Consumer Reporting Agencies are reporting this account as, " Closed '' when, as of XX/XX/2022, XXXX, " XXXX XXXX XXXX. '' stated that this account is still open. Which is false representation of the status of the account. All of the Consumer Reporting Agencies are in violation of the Fair Credit Reporting Act.

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 2023-02-24
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: EQUIFAX, INC. (CA)

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, and accounts that do not belong to me. Please block the accounts that are misleading and incorrect in my file. 

Here are the aforementioned accounts : XXXX XXXX  XXXX XXXX  : {$1600.00} XXXX  XXXX XXXX  XXXX XXXX  : {$480.00} XXXX XXXX XXXX XXXX XXXX : {$660.00} This complaint is a follow-up to my previous complaint dated : XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL ()

Complaint:
-Recently, I noticed a decline in my credit score because of a derogatory account from a collection company called XXXX XXXX XXXX XXXX 
-After investigation, I found that XXXX XXXX bought a false debt from Synchrony bank without verifying the authenticity of that debt. 
- In order to extort me to pay this false debt, XXXX ruined my good credit history by sending invalid claims to the major credit reporting agencies.

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 monetary relief
Consumer complaint received 2020-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

Complaint:
I don't own this debt nor do I know what this debt comes from. I haven't come into any financial obligations with IC SYSTEM. I dont have any contracts or debts with IC SYSTEM

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 2023-02-01
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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX : {$390.00}

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 2022-07-16
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: Experian Information Solutions Inc. (AP)

Complaint:
I did not authorize nor consent to the inquiries furnished on my report. They are XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX -- XX/XX/XXXX -- XXXX XXXX. XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/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 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Complaint:
Ive called XXXX wednesday letting them know that the address was incorrect and gave them the correct address the fraud department force me to give them a tax return and identification, i stated that driver license address is not current address and gave them current address i have disputed it as well, next day account frozen transunion and XXXX lock my account stating information is not matching XXXX still has not change address have wrong social security number on file still has not change it its been 3 days and its hindering my progress to build my lively hood. Below is the law they are in breach of. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 explanation
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Complaint:
I am a natural person ; I am a living human being. I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681, and they violated my rights numerus of times. I demand the inquiries listed below be remove because According to USC1681. I have the rights to privacy and i did not give XXXX written permission to furnish these accounts. 

INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2020-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (PA)

Complaint:
i paid the creditor creditor so the collection shouldn't be on my credit account if they dont own the debt and i paid it with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AR)

Complaint:
My TJX Rewards Mastercard account was closed by Synchrony Bank on XX/XX/2021. The company claims that I had added too many authorized users to my accounts. Upon speaking to a representative, I was told I was allowed 6 authorized users ( even though the page only allows five ). There is no public information telling me how many authorized users that can be added and I was in compliance either way.

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 2020-07-02
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. (CO)

Complaint:
XXXX  ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$3400.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report ; a copy of the settlement letter, along with a copy of my Drivers License and Utility Bill for identification purposes. ) This account was settled and needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-03-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (GA)

Complaint:
AFNI, INC HAS BEEN NOTIFIED. SEE ATTACHMENT I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.

When a debt collector engages in the collection of DEBT they must provide copies of the following items

: 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate AFNI, Inc has committed the following violations : Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (FL)

Complaint:
How did you get my personal information? Who and what gave you the rights to violate my rights to privacy as a federally protected consumer? And Are you aware of the laws youre in violation of by getting an federally protected consumer personal information without consent? Now Im giving you this one opportunity Firstsource Advantage LLC to explain yourself and answer every question mentioned above. Failure to comply will result in fines. Best regards! And the best of luck!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation