hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
Going over my consumer report I have notice you are reporting XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX without my consent ... 

I demand these accounts to be removed from my consumer report. I did not give you written instruction to report anything on my report so this must be removed ASAP. 

Violation of 15 usc 1681b ( a ) ( 2 ) -Permissible Purpose of consumer report as it states " In general subject to subsection ( c ), any any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

It is in fact that I am a consumer and did not give you any written permission to furnish these accounts on my consumer report.Which is my reasoning for you all to delete all accounts mentioned asap.

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 2022-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: EQUIFAX, INC. (MO)

Complaint:
Experian- Is reporting XXXX XXXX on my acct. I've demanded them to remove it because it's a business account that was never created by me, which also lead to other accounts in my name and on my Bureau, that aren't mine. Upon contacting XXXX XXXX they've stated, I needed to simply contact the 3 reporting Bureau 's and it would be deleted. However the Bureau says they won't remove this information. I've been fired from my career over this information being on my credit and denied home loans because it dropped my score by XXXX points. Plus the Bureau have my social first number as XXXX, which alerts lenders of my race based on the first number being a XXXX or XXXX, so I've been told by a Bureau expert. 
I need these items removed from my report. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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. (CA)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account info Account name : XXXX XXXX XXXX Account number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

Complaint:
Navy Federal Credit Union willfully and knowingly ( 15 usc 6823 ) is practicing a deceptive form of collecting on a debt which is a violation of my rights as a consumer under U.S.C title 15 chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT. My social security number was used to loan me my own credit from the master promissory note ( which is equivalent to money according to 12 usc 1813 i ) aka the car loan application, I filled out online via Navy Federal Credit UnionXXXX financial institutional app. I know my social " SECURITY ( number ) is valuable. NFCU is a debtor illegally barrowing against my security and loaning it back to me according to 12 USC 83. I know that NO BANK can use my funds ( aka dollars ) for fractional lending because all obligations belong to the United States according to 18 USC 8. Furthermore, when I put my signature on this security, NFCU failed to fully disclose the consumer transaction. 

This is an advisory of NFCU 's best interest to be cooperative of my requested remedies. Otherwise, pursuant to 28 usc 3001 civil suit through the United States district court will be fervently be pursued and executed. You all are highly aware of the power I have as the consumer, natural person, and original creditor which is why I will stop at nothing to get this matter to be favorably settled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2022-11-22
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. (SC)

Complaint:
Experian reporting that I owe XXXX {$680.00}. I paid the account out in XX/XX/2021. It should have XXXX balance.

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 2020-06-18
Product: Credit card or prepaid card — Store credit 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: BARCLAYS BANK DELAWARE (VA)

Complaint:
A charge for {$1600.00} appeared on my Barclay credit card. I contacted the company and they issued me a new card. Months later they put the charge back on the card claiming it was real even though I have not been to the doctor in Maryland and all my medical providers bill insurance. I have NOT received any product. I clearly, multiple times, told Barclays that I don't just give away {$1600.00} with nothing in return, that it is not okay for Barclay to force me to give {$1600.00} away, and, as a result, I told Barclays to cancel my credit card. They refused to remove the {$1600.00} and they refused to close the credit card account.

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 2018-07-30
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: Aldous & Associates, PLLC (NC)

Complaint:
On the XXXX of XXXX I applied and pay the app fee of {$50.00} for XXXX XXXX. On XX/XX/XXXX on the way to go view the house the property manger called me and said I couldnt look and my app been denied because of rental history. I dont know if it did that because I was late making a payment, but it's been verified by my landlord and the property company that I dont have a rental history and I've been a tenant for 11 yrs without any evictions and I have a XXXX balance. 

On XX/XX/XXXX an account with Aldous and Associate was placed on me. Its was XXXX XXXX and now called XXXX XXXX. I've had good cause and reason and tried to provided to the gym that I need to cancel my membership due to a heath issue that may cause XXXX. I tried to pay what I owe and they woudnt accept it. The company sent me to collection and when I called the supervisor to dispute the issue, the supervisor was very nasty and cursing at me stating that they going to put it on my credit even if I had documentation from the dr or not and I will be givng them their money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (FL)

Complaint:
I've Had Two Accounts That Had Fraudulent Activity That Was Not Caused By Me Ive Also Disputed These Charges But My Accounts Were Still Closed Ive Recently Tried To Open A Navy Federal Account And I Was Able To Do So And One Day After I Received A Notification Saying My Account Was Closed Due To My Consumer Report And When I Called The Bank They Told Me My Account Had Been Closed Due To The Consumer Report & Was Instructed To Reach Out To The Consumers Report Agency But As It Stands Now Im Not Able To Open Any Bank Account With Any Financial Institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: 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. (CT)

Complaint:
Kindly be sure with the accuracy and precision with this customer record account. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 
XXXX XXXX XXXXXXXX Date opened : XX/XX/2021 Balance : {$20000.00}.

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 non-monetary relief
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

Complaint:
This is in reference to complaint # XXXX. I do not know how to add additional information to the existing complaint. Attached is additional info received from the company and a copy of a letter that I sent to them. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
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. (NV)

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. ***

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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: Experian Information Solutions Inc. (LA)

Complaint:
I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Incorrect Name : XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-17
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. (OH)

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
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. (GA)

Complaint:
I sent certified letters to the Bureaus on XX/XX/2022 regarding me being a victim of Identity Theft. The Bureaus received the letters, according to the tracking, they received the letter by XX/XX/2022. In the letter I included a police report and an affidavit form asking them to please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. However as of XX/XX/2022 these items are STILL on my credit report. As a consumer I have the right to a credit report that is 100 % accurate. As a victim of identity theft this information should not be in my file.

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 2022-07-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2017-08-31
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. (TX)

Complaint:
I made several payments on my student loans ( I have five loans- all of which I pay monthly ) which are not being reflected on Navient 's account summary. A few of the payments are showing directed to XXXX DL Consolidated and XXXX DL Consolidated when in fact the payment should be showing on the XXXX and XXXX  Consolidation loans. I have called Navient and asked about this issue but no one seems to know what is going on or why the system is showing the payments allocated to different loans other than what I directed. Navient also confirmed that they show I made the payments and allocated to the correct loans however they were not being reflected as such. 

Even more troubling has been a payment that I made on XXXX ( withdrawn from my checking account on XXXX ). I made a {$330.00} payment ( as confirmed through my bank statement ) but Navient is only showing a {$170.00} credit applied on XXXX ( also shown on their system )! Where is the rest of my payment and why was it not applied correctly or on the correct date? From my understanding, Navient charges daily interest so it is interesting that my payment is processed 7 days after it is withdrawn from my account, thus accruing 7 days more interest. On top of that the amount is much less than I paid. 

This is my second CFPB complaint against Navient as I have had trouble with my account since the beginning. Please assist me in correcting their systematic errors ( which always seem to be in their favor ) and mistreatment of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
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. (AL)

Complaint:
PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I HAVE MY CREDIT REPORT AND I SEE SO MANY FRAUDULENT ACCOUNTS. I HAVE NO IDEA HOW THIS STFF GOT ON MY CREDIT REPORT, BUT ITS HOLDING MY CREDIT DOWN. I NEED THESE ACCOUNTS INVESTIAGTED AND REMOVED FROM MY CREDIT PROFILE

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 2023-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (OH)

Complaint:
I'm not liable for the debt with XXXX XXXX XXXX I didn't enter any contract and I did not sign any paperwork with this company stating that I would pay them or owe them any money. Furthermore, this company has violated my consumer rights by not providing the requested original contract with my signature signed by me within in the time frame set by FCRA. I contacted the original company XX/XX/2023 and declared that this account stolenand reported unauthorized transactions had occurred with account. As a result, XXXX XXXX XXXX also violated my consumer rights by keeping the account open then knowingly sold verified identity theft debt to this company.

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 2020-08-07
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. (TN)

Complaint:
I call equifax send them my FTC report due to some accounts and nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress