hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-10-21
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: Experian Information Solutions Inc. (NY)

Complaint:
This is not the first time complaining and they are ignoring my request.. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX and after few days without any chance to verify ( validation period ) my records ( 30 days to ask for verification ) or according to the FDCPA, XXXX XXXX XXXX placed the account XXXX in my credit report in a clear violation of the law. 
Previously contacted XXXX via CFPB to obtain copy of any CONTRACT or ORIGINAL DOCUMENTS to validate any debt but the answer was they try to contact me in a old address which has not been a verified address without any success but now they decide to validate by themself. 

The report show inaccurate and not validated information because during the time they are indicating to the credit bureau, i was not living at the address so how XXXX could open an account and charge every month using my identity and social security. 
See residency letter from shelter during the period open and charge under my name. 

EXPERIAN shows day account open XXXX and XXXX XXXX ( inaccuracy open dates ) EXPERIAN shows as closed account vs XXXX shows as Open account. ( inaccuate status ) XXXX XXXX reported amount XXXX EXPERIAN and XXXX XXXX ( Inaccuarte balance ). 

The address attached to the account has been a cause a few fraudulent credit account open using my identity. 

This information is submited by XXXX XXXX XXXX TO EXPERIAN AND XXXX  WIHOUT ANY VALIDATION OR VERIFICATION. 

During that time frame and before I was living in a shelter so the dates obviously are incorrect XX/XX/XXXX until XX/XX/XXXX, previous that address I was living in a hotel room for 6 month since XX/XX/XXXX and previous to the hotel room my addres was in zip code XXXX in the XXXX since XX/XX/XXXX until XX/XX/XXXX ( 1 year ) the amount is wrong and somebody used my information to open the account.. XXXX XXXX XXXX violate the 30 days period and the Credit Bureau EXPERIAN AND XXXX  allow them to post false, Inaccurate and not valid information without any support. 
XXXX XXXX XXXX break the FDCPA 809 section by posting information without validation in the frame time of 30 days according to the law. 

EXPERIAN AND XXXX is in violation of the FCRA by allowing XXXX XXXX XXXX posting inaccurate, false, not valid information hurting 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 explanation
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
Bureaus are not reporting factual accurate information. Information across all bureaus is inaccurate and different. Some bureaus are reporting some accounts open, while the other bureaus report no information. Charge off with balances attached. Inaccurate balance. No proof or shown of validation of the debt.

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 2022-08-11
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. (AZ)

Complaint:
I had an account by the name XXXX XXXX removed off of my credit, I had created an FTC report and sent to equifax. Recently Equifax had REINSERTED the account after it was removed as fraudulent. I am now disputing the account as fraud again because it is! I never openend the account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
Ive tried contiously over and over again but the credit bureaus have yet to respond to my investigation. THIS NEEDS TO BE HANDLED IMMEDIATLEY! I need these accounts that arent mine to be removed from my credit report NOW! It has been over 30 days and they still havent been removed. So, I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The item I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

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 2022-08-25
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. (PA)

Complaint:
My name is XXXX 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 explanation
Consumer complaint received 2016-01-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Jonathan C. Frank & Associates, LLC (TX)

Complaint:
I have received several calls back to back from the same company saying they are going to send me to court for debt. The calls started on XXXX XXXX, 2016. They left a threatening voicemail to send me to court. The next day, the same lady that was on the voicemail called me 4 times back to back and I answered and asked that she please leave a voicemail and stop calling me. She says " I 'm gon na keep calling you until you pay this debt! So hang up so I can continue calling. '' The only reason why I have n't received any more calls is because I blocked the number on my phone. I then called to speak to the supervisor and he was rude saying " Well if you answered and paid your debt, she would n't keep calling you. '' I then told him that harassment is against the law and his associate was harassing me. He said " Well since you wan na report me, I 'm gon na go ahead and send you to court. We do n't care about a harassment charge. You should just pay us. '' I then hung up and proceeded to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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. (FL)

Complaint:
I have been in school and I am still currently in school. However, XXXX XXXX has added late payments when they should have differed. Multiple times, I have asked for that to be corrected, but they continue to refuse to remove the late payments. 
I was at Florida XXXX XXXX  from XXXX for my XXXX XXXX XXXXXXXX for my XXXX XXXX and currently obtaining my XXXX starting XX/XX/2022. 

Furthermore, under 15 USC 1681, I never consented to share my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

Complaint:
I have been removed from American Education Services ( AES ) borrower benefit program ( BBP ) that reduces interest rates by 1 % after 36 months of on time full payments unfairly and due to AES searing me away from their automatic direct debit payment program. I was removed from the program due to a payment that was a few weeks late and a payment that was {$94.00} short of the payment since I was looking at an old bill. Had I been enrolled in their automatic debit payment program like I wanted to I would not have missed these payments. I was steered away from their automatic debit payments due to incorrect and misleading information. It is my belief that AES will not let customers that are trying to get into their BBP set up automatic debit payments since this will make it mush easier for them to qualify for lower interest rate. I was told in XXXX that I could not set up automatic direct debit program to pay more than the minimum payment. I wanted to pay more to pay my loans off sooner so I did not set up automatic direct debit payments at that time. I again questioned automatic direct debit payments on XX/XX/XXXX and was told that " Unfortunately the lender does not allow a paid ahead status '' and I could only make minimum payments using automatic direct debit payments and would have to send two bills to make extra or over payments. Since then I have found out that I can pay any amount over the minimum payment. AES continually gave me incorrect and misleading information. I have e-mailed AES customer service over 6 times the past 3 months with out any reply or a response about the incorrect information I was given. The continue to not take responsibility for their actions in this circumstance and have denied my request to honor the 1 % interest rate reduction I should be qualified for since XXXX that has resulted in 10 years of AES collecting higher interest rates from me unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (KS)

Complaint:
I received a letter stating I have until XX/XX/22 to dispute all or some of the debt and if i do so in writting collection attempts will stop until info is sent showing i owe the debt. As of XX/XX/22 This debt collector illegally added it to all 3 credit reports. I have called their number several time during this period and I never get to speak to anyone and no one ever returns my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Complaint:
I HAVE CREDIT INQUIRES LISTED ON MY CREDIT REPORT THAT ARE NOT MINE, I HAVE SENT A REQUEST TO TRANSUNION TO HAVE THEM DISPUTED, THEY FAIL TO DISPUTE THEM AND SEND A CANNED MESSAGE SAYING THAT I HAVE TO CONTACT THE COMPANY THAT PLACED THE INQUIRY. THIS IS A FCRA DISPUTE, FCRA STATED THAT THE CRA MUST INVESTIGATE ANY INACCURATE INFORMATION ON MY REPORT, TRANS- UNION HAS FAILED TO DO THIS. 

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 2020-07-14
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. (AR)

Complaint:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items 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 explanation
Consumer complaint received 2020-09-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Holloway Credit Solutions (AL)

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC (OH)

Complaint:
Didnt give me any information about the debt except that I owed them because XXXX didnt cover my full amount. She said that " I owed them two separate amounts, XXXX XXXX and XXXX XXXX  '' she didnt explain what either of the debts were owed for. she told me that they would settle for XXXX XXXX XXXX I didnt agree with it and she forcefully told me that she would take the deal if she was me and that shes going to mark my account that i have one day to pay it. I initially tried to dispute it and she told me that i couldnt do that. This was just an XXXX ridden situation with Revco Solutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
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. (FL)

Complaint:
The department of education is now showing the account as open and past due. This is not my service provider. I have already provide the proof. They are influencing my FICO scores at two credit bureaus now. One bureau just dropped 69 points. None of information they are providing is accurate. This has been under investigation for 56 days, why have these inaccurate accounts not been deleted? 
_______________________________________________________________________ 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) 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 ; and88 623 - 15 U.S.C. 1681s-2 ( ii ) the information is, in fact, inaccurate.

______________________________________________________________________ 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( d ) Notification of deletion of disputed information. Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) of this section to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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. (NY)

Complaint:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2023-06-01
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. (CA)

Complaint:
Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX 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