hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Complaint:
I am writing to file a complaint regarding a debt on my credit report that has not been properly addressed by the credit bureau. 

Despite my requests for deletion and validation, the credit bureau has failed to respond within the required timeframe. 

I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. 
Here is my tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It's been more than 30 days and the credit bureaus failed to send my investigation back. 

However, the credit bureau failed to respond within the required timeframe of 30 days. Despite multiple attempts to follow up with the bureau, I have not received any response to my request. 

I believe that the credit bureau has violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and respond to my dispute. I request that the debt be removed from my credit report immediately. 


According to the law 15 U.S. Code 1681 ; - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2021-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

Complaint:
Jefferson Capital Systems is reporting a debt to the credit bureau that is not mine. I have asked for debt validation which has not been received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (MO)

Complaint:
I had a medical debt that was transferred to Capital Accounts LLC, I  paid the account in full on XX/XX/2017 but it still shows on my credit report that a balance is owed. I have called 3 times and every time I call they tell me they will get my information sent over to the credit bureau. Each time that I call the representatives are very rude. I just want this removed from my credit like they assured me it would be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NC)

Complaint:
I have concerns with how interest in allocated. I have had my loan for > 10 years. ( I pay XXXX, Started paying more than the minimum about 4 years ago minimum payment is XXXX. I am currently a few months ahead ( next payment due is XXXX ). 

100 % of my XXXX payment {$180.00} and most of my XXXX Payment ( XXXX out of XXXX ) was allocated to interest. I have been paying in advance, but still getting charged more than minimum montly payment in interest. My interst rate is 3.65 %

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

Complaint:
Equifax, XXXX and XXXX all have and account originally owned by XXXX XXXX the account was bought by XXXX XXXX XXXX. I started a complaint in XX/XX/XXXX to have this account removed first it was reaged by the company stating the account was delinquent the day they purchased it from XXXX which was in XXXX now showing XXXX on my credit report all this is incorrect the account was closed with Dominion XX/XX/XXXX and was actually paid out with my state tax in filing year XXXX but this company is pursuing a collection from me, for money that was paid Direct from my tax return to XXXX so this should be removed all together for the illegal reaging and the fact that funds were sent to XXXX for this debt. Also XXXX XXXX XXXX is another account that went delinquent in XXXX as reported by equifax in a dispute I file with them about the collection agency that purchased the account this agency was allowed to alter the dates as well to show a more recent delinquency and collection date to hinder my credit XXXX purchased this account XXXX and was allowed to alter the dates to show that date not the XXXX date that the original creditor reported to the 3 credit bureaus the 3 credit bureaus have continued to uphold the creditors side of this issue totally ignoring FCRA standards and the illegal practices of creditors to continue to change dates on old debts monthly or yearly to make them appear as if they are newer debts so they are able to remain on your credit longer the allotted time. I was unable to dispute this with a agent because I failed XXXX XXXX which is a questionnaire formed by information provided by creditors this information is all incorrect I failed it each time because the info they have have a job listed I havent worked at for 19 years they have credit card loans I never had and personal loans I never had. They deny me access to dispute based on information from someone who is not me who provided it to them on my behalf that is the most unprofessional practice I have ever experienced in my life you dont verify the creditor but you double triple verify the person who is going to be affected by this incorrect illegal information providing process

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (TX)

Complaint:
I checked my credit report and show DIVERSIFIED ADJ SVC the account was received from XXXX XXXX XXXXXXXX XXXX XXXX I have not been picked up in any emergency vehicle and by me being in the military I am covered by my insurance. I called the company to see why it was on my credit report, when I verified my name and birthday, they were unable to find me. They said they find an account but had a different birthday. Come to find out the information they have is my name with a different birthday. I informed them I was not picked up by any emergency services nor was I hospitalized on or around the date they have. They asked me to verify my birthday again and I was then informed to contact the Credit Bureau and have it removed. When I made the disputes, it keeps saying account is verified. I don't understand how because the person that was hospitalized was my mother-in-law, we had the same address at that time. I believe the company don't want to remove it because my mother-in-law has since passed away and they are trying to make me responsible for her debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
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. (AL)

Complaint:
Ive tried to dispute incorrect name and address on my credit report with XXXX They will not let me dispute them.

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 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN PORTIFOLIO MORTGAGE (CT)

Complaint:
I have letter from creditor directly and email correspondence, about the mortgage being late and inaccurately reported. The mortgage company also has a mortgage for XXXX XXXX and I've never bought a house for more than {$400000.00}. This negative information needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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. (NC)

Complaint:
Experian has reported several credit card inquiries.Hard inquires that are all inaccurate and not true. I have tried to dispute this accounts and even placed a fraud alert on my credit account to stop unwanted inquiries but the company has still allowed the inquiries to occur. Experian has also allowed addresses and a variation of personal names on my credit report that is incorrect. I have sent certified mail confirmation on XXXX of my correct address and name and they are still violating my rights according to the FCRA FAIR CREDIT REPORTING ACT/REGULATION V Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete.

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 2021-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Complaint:
On XX/XX/2021, I went to ATM to take out {$500.00}. There are 2 ATM machines at the drive thru at Bank of America. When I tried to take the money out, it did not give me the money, the machine acted as if it did. I immediately called the XXXX # on the machine. It was the XXXX Fraud #. The rep told me to try again and he would enter a number on his end. The machine did not give me the money again. I told him there was another machine next to me. He said to drive to that machine and try it again. So I did. That 2nd machine disbursed the {$500.00}. When I went home, I looked on my account online and the statement showed 2 {$500.00} deductions. I called the XXXX Fraud line again and they told me not to worry, that they would put in the dispute and temporarily put the {$500.00} back in my account. Two weeks ago, the BOA took out {$500.00} from my account and informed me that the dispute was lost because they found that the transaction was valid. I appealed it and it went back into re-consideration. I was recently advised that I lost the 2nd dispute and could not appeal again. -- I'm told that the camera shows me receiving the money. But, I was informed verbally by the rep, that the dispute was made on the 2nd transaction and the video was only viewed for the 2nd camera. Not the first transaction and not for the 1st ATM camera. When I asked them to show me the proof, they said I had to get a supheana. They also told me verbally that they checked both cameras and both ATMs, but they won't put it in writing. The rep I spoke to informed me verbally that the dispute is only for one transaction, but the claims department won't let me put in a 3rd dispute for them to look at both cameras for both ATM machines. I didn't receive {$1000.00}. The transactions shown on my statement are not time stamped, therefore, I don't know which one is first and which one is 2nd, so I don't know which one they disputed and which one is right and which one is wrong. All I know is that I only received {$500.00}, not {$1000.00}. I have attachments showing that they only say they viewed 1 camera for 1 ATM.

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 2018-04-27
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: LEXISNEXIS (NC)

Complaint:
Under the FCRA I, XXXX XXXX request that LexisNexis immediately notify XXXX, XXXX, & XXXX  of the folllowing : That the bankruptcy items XXXX & XXXX are deleted from my file. And to provide me with a copy of said communication. Under the FCRA and as per LexisNexis, XXXX XXXX has the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HYUNDAI CAPITAL AMERICA (AL)

Complaint:
15 USC 1692e any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and 15 USC 1692f any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor. 15 USC 1692a Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1692B ( 4 ) ) The advertisement for sale of any debt to coerce payment 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 2023-05-10
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. (NY)

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

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 2023-06-08
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. (KY)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no means of acquiring new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit 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 explanation
Consumer complaint received 2023-01-19
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. (NC)

Complaint:
This is my second time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft from Equifaxs Data Breach. MY CLAIM NUMBER IS - XXXX. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer they are : ADDRESSES. 
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 MAKE SURE THAT MY CREDIT REPORT IS NOT **FROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON IT** I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT.

A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE screenshoted so theres no confusion about the accounts, addresses & companies that I am disputing.

DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT By law, Part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through Experian and an additional six years of one-bureau credit monitoring and identity protection services through Equifax .

The Experian monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. 6, 33-43 ). The one-bureau credit monitoring shall be provided separately by Equifax and not paid for from the settlement.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation