hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-06-11
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. (TX)

Complaint:
I XXXX XXXX am filing a complaint against Equifax, I have disputed a collection account several times with them despite me sending a proper documentation they still have yet to remove this fraud item from my credit report I have disputed this collection over 10 times in the past four months to no avail nothing is been done I have even sent a complaint with cfpb that didnt do anything they are still reporting this collections despite me sending the documentation, the item gets deleted and its placed right back on report The dates I sent documentation from current to past, I am victim id theft this really isnt right this collection is still reporting and I am providing proper legible documentation Collections : Fair collections & outsourcing Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Complaint:
It has come to my attention that although I have written several letters asking for validation of debt, permissible purpose letter, audit trails for validation of debt and inquiries I have not received any response because of the automated system you have in place which is in fact a violation as well. 

I am afraid these 3 credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality and a respect for the consumers privacy, I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm these 3 credit reporting agencies have done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (CA)

Complaint:
National Credit adjusters reported to all XXXX XXXX XXXX a collection debt for XXXX from XXXX from XXXX XXXX. I made a dispute and sent them information that cash central reports paid in XXXX. This company reported on my credit without sending any notification of the debt by mail or by phone. I never had a chance to dispute this debt or show it paid. They just reported on my credit and dropped my score XXXX points There response On Wednesday, XX/XX/XXXX at XXXX XXXX XXXX  XXXX XXXX XXXX wrote : Current Creditor : National Credit Adjusters , LLC XXXX Balance XXXX {$4500.00} NCA Account # XXXX Account # Original Creditor Balance XXXX XXXX XXXX XXXXXXXX {$4500.00} XXXX XXXX, XXXX XXXX for the delayed response. 



We acknowledge receipt of your communication indicating that you dispute the account or a portion thereof. 



We will refrain from communicating with you while we research and validate the debt. However, if we mail you validation of the debt, we will resume contacting you some time afterwards. 



This communication is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose. 



Sincerely, National Credit Adjusters XXXX response to them You do not have to refrain from speaking with me as you have never called me or sent any communication of this debt being owed. I sent the dispute out XX/XX/XXXX and you know respond XX/XX/XXXX. 

You have reported this collection to all three bureaus on my credit report without sending out proper notice of the validity of the debt. I am quite knowledgeable of the Fair Debt Collection Practices Act that came into effect XXXX of XXXX. Are you familiar with these laws? 

There are certain steps debt XXXX must take before they can report a debt to a credit reporting company. They must do any of the following : Speak to you by telephone or in person about the debt Mail a letter or send an electronic communication about the debt and wait for a reasonable amount of time, generally XXXX days, in case it is returned as undeliverable If the debt collector sends you a validation notice, it means that theyve satisfied their requirement to contact you and, in general, can begin reporting the debt to credit reporting companies, provided they follow other laws about credit reporting. 

Where is your validation Notice? I suggest you remove this debt from my credit immediately within XXXX hrs or I am filing a complaint with the CFPB. 
I suggest you take this seriously. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Complaint:
Account payment history and date of first delinquency are incorrect. This account is too old and obsolete and should not be reported to my consumer reports. They are reporting inaccurate information to my consumer reports and are causing me damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
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 have many attempts to resolved matters with 2 fraud accounts reporting on my credit report and incorrect account information and inaccurate late reportings to no avail. Please assist in getting the following incorrect information removed from my credit report. I have been dealing with this matter for many months. 

Please assist me in removing the following items from my credit reports : Fraud Accounts : Unknown accounts on XXXX - Acct # XXXX & XXXX Inaccurate late reportings : XXXX, XXXX XXXX, XXXX XXXX on TU, and XXXX Unauthorized Inquiries : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

Complaint:
On XX/XX/XXXX Citibank XXXX CITI simplicity card charge my card With something I didnt. I call them to fix this problem before this charge are paying to different companies because they were pending they didnt do nothing, they paid all. And know after a change for another new card they still charge on the new card on XX/XX/XXXX for XXXX this charge was made for t mobile, because they said that is recurring payment that payment is pending know I can not make a dispute because they said that that amount have to be paid first to start a dispute. The charges are : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX for {$96.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX ( pending ). 
Please can you help me to solve this problem. Thanks

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 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
My Identification Was Compromised & Used To Obtain Goods & Services I Requested Several Fraud Alerts & Security Freezes On My Report That Some How Was Taking Off I Contacted The Creditors & No Help Contacted Bureaus & Now Im Taking These Steps Of Filing and Sending Letters Hopefully I Get Help

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 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BROKER SOLUTIONS, INC. (NJ)

Complaint:
I receive an email at XXXX on XX/XX/XXXX from the company New American Funding stating the following : Hi XXXX, It looks like a mortgage lender checked your credit on XXXX. Remember, you have 14 days after an inquiry to shop around without additional impact to your scores. 


Looking to refinance? 
Based on your XXXX XXXX XXXX XXXX range of XXXX - XXXX and your ZIP code in XXXX, this is our top pick from our partners. 
15-year fixed from XXXX XXXX XXXX  Interest Rate XXXX XXXX XXXX XXXX XXXX  NMLS ID # XXXX Get my quote Then today, XX/XX/XXXX, I receive an email from credit karma stating that I have another hard inquiry on both my credit reports which I did not authorize. I am in the process of refinancing my home and this is going to delay my process. I feel cheated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (MN)

Complaint:
Car Hop Loan. I had to return the vehicle I was making payments on because it was a lemon. It was in the shop with repairs 2 out of the 3 months I had it. So i returned it and was paid up on my payments. I was not offered another vehicle or any compensation for not having any transportation. I was not told I owed anything. I did not recieve any further communications from them at all. Now I am seeing a public record of a settlement 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 explanation
Consumer complaint received 2023-01-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Complaint:
I had a checking and savings account they accused me that I committed fraud and I did not do anything then they told me they were going to close both accounts under there decision and I was very

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 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
In accordance with the Fair Credit Reporting Act, The Listof accounts below has violated my federally protected rights to privacy and confidentiality und 15 USC 1681. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX 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 state a consumer reporting agency can not furnish an account without my written instructions. i did not give them written instruction.

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 items of information other than records of convictions or crimes wich 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 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 2019-06-04
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. (FL)

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

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 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (NY)

Complaint:
Hello, good evening, I want to inform that there are several companies that are reviewing my credit history, I have called each of those companies but nobody answers me, I had to call expirience so that they can cancel and start an investigation but they ask me for this certificate that I am doing it. Now please I do not authorize anyone to review my credit bureau and they are doing it only in one day they have reviewed about 10 times and I do not authorize any of those companies like XXXX XXXX XXXX and some others. 

They started asking for my credit history from the XXXX and today the XXXX of XX/XX/2020.

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 2022-08-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (MN)

Complaint:
On XX/XX/XXXX I lost my debit card with my belongings in XXXX while I was traveling and someone charged my card for a ticket XXXX XXXX ( Not Me ), the amounts of XXXX $ and XXXX XXXX I did call easy jet to complain the transactions were not made by the owner ( me ) and also my bank Huntington on XX/XX/XXXX. It has been over a month and nothing has been done. When I called my bank they said I was the parson use it. Which is a False because I didnt even fly with XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-26
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (IA)

Complaint:
Charge off for Student loans. For school I didnt attend. XXXX on Nebraska and I only attended XXXX state was told I went to foreberance but my loans show regression on my score major

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I have a Bankruptcy that is showing on my credit report and I have tried to have the information removed and nobody has responded to my request.

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 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (CA)

Complaint:
Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that the claim of Consumer Adjustment Co. has failed to provide validation for a debt they submitted to the Credit Reporting Agencies. Additionally, they did not provide me with a 30 day notice. Consumer Adjustment Co. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
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. (TN)

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Closed with explanation
Consumer complaint received 2023-01-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

Complaint:
The original creditor as listed on my credit is XXXX XXXX XXXX XXXX XXXX MAIN APTS the account was open in XXXX but its listed on XXXX as it being open on XX/XX/XXXX I did a 1 year lease. I moved out to another state and they have placed it on my account showing I owe XXXX  which is inaccurate and I have tried contacting them on numerous occasions in order to see how is that possible. It's still showing the account is open and it last reported on XX/XX/XXXX. It's listed as National Credit Systems on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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. (PA)

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2022-05-22
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: Experian Information Solutions Inc. (NC)

Complaint:
I was reviewing my consumer report and I notice that the following account states that it's in bankruptcy and has also been sold to XXXX XXXX XXXX. There is no bankruptcy on my consumer report and you can't sell debt in a XXXX as it is against the law. 

XXXX. 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 ( 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. 

XXXXXXXX  : Debt included in XXXX not true, Last Updated XX/XX/XXXX, Date Opened 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 2020-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (VA)

Complaint:
Someone claiming to be Current my online banking. Scammed me out of all {$980.00} of my money and I contacted Current and they shut my app down and told me basicallly they couldnt help me and I believe this was an inside job ... my name email and number kept getting changed right before Current shut my online banking down .... when this person took the first batch of money Current said they will log me out all devices so it wont happen again but it did this person took more money and then thats when Current shut my app completely down and said it was being investigated but took days and days to respond with an update and then told me they couldnt help me

Company response to consumer: Closed with explanation