hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-12-26
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. (MD)

Complaint:
This is XXXX XXXX and I request of you to remove the fraudulent accounts and information I found on my Credit File.Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-07-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2018-11-26
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: WELLS FARGO & COMPANY (NV)

Complaint:
XXXX has been non-compliant with removing the unverified account WELLS FARGO BANK XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that WELLS FARGO BANK was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2017-07-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Complaint:
Equifax keeps reporting falsely that I have bankruptcies in my public records and the XXXX XXXX is their information source. I have attached the results of my Equifax dispute with this false claim as well as my XXXX XXXX report with the contrary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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. (NY)

Complaint:
I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report that show inaccuracies. 

List of accounts showing inaccuracies 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 2023-01-09
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. (PA)

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 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 2021-02-04
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. (SC)

Complaint:
So I signed up for Experian credit works and got an alert about an alias and two addresses attached to that alias that doesn't belong to me. Upon checking my credit I don't see any unusual things but I want to make sure they haven't committed anything

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 2023-02-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
My first letters to the credit bureaus regarding this account were in XXXX XXXX and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around labor day last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX, FTC and the Attorney General for Florida.

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 2022-07-14
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. (AZ)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Investigation Request Letter To whom it may concern I received a copy of my consumer report in pursuit of trying to improve my consumer report and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting rigjt or wrong im saying i am not 100 % sure if they are. The Fair Credit Reporting Act gives me rights to challenge anything i am not sure is accurate. In 15 U.S.C Sec. 1681 i ( a ) it states if you caint provide proof these accounts must be deleted if they are not 100 % accurate. So I would like these accounts properly verified and removed if there's anything missing. Also According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
According to : 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. 
And i have not gave any written instructions to furnish anything on my consumer report XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct if not please remove it from my consumer report CONSERVE XXXX Please investigate if every piece of information is correct if not please remove it from my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

Complaint:
Over the past 2 years I have made several attempts to remind XXXX XXXX of their duty under the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act. My records indicate that XXXX XXXX is reporting an account on behalf. By sharing my nonpublic personal information to NON AFFLIATED THIRD PARTIES. To my knowledge, I no longer have an account with their company.

Under the Gramm-Leach-Bliley Act a former customer that " has obtained '' a financial product or service from a financial institution but no longer has a continuing relationship with it. For purposes of your obligations under the Privacy Rule, a former customer is considered to be a consumer.

The Privacy Rule protects a consumer 's " nonpublic personal information '' ( NPI ). NPI is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, unless that information is otherwise " publicly available.

XXXX XXXX failed to provide a privacy notice, including an opt-out notice prior to sharing my NPI with these nonaffiliated third parties. 

EXPERIAN 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 2018-06-30
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. (MS)

Complaint:
In XX/XX/2018, I disputed XXXX XXXX XXXX  inaccurate credit reporting of 8 missed payments. Equifax notified ne that a dispute I sent by mail was suspicious. I was informed that my dispute was not going to be processed because that that reason unlezs I submitted XXXX forms, ID, paystubs etc. I submitted my full social security number, address, birthday, companiy information etc. This is unfair and I am only exercising my right to dispute by mail. This is why I can not get any results to the fraudulent inaccurate reporting of debt on my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

Complaint:
I am reporting predatory loan practices from AES/PHEAA. I am the cosigner on my son 's student loans through AES/PHEAA in Pennsylvania. The school XXXX was attending was XXXX College. He has paying on his loans for several years, I believe since 2009 ( although sometimes late but the late fees are typically less than {$5.00} ). There are two loans and AES is showing them both current but PHEAA is  saying he is {$600.00} in arrears and they will garnish his wages at the end of this month. I believe that someone at AES is either misapplying the payments or worse, pocketing them into their own account. The reason I believe this is that the original loan amounts were {$4700.00} and {$5300.00} but have only gone down to {$4300.00} and {$4800.00} after all these years. They also turned us in to a credit agency and my credit score was lowered due to AES 's improper accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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: ProCollect, Inc. (GA)

Complaint:
I filed a dispute in regards to incorrect items on my credit report. It has been over 30 days and I have yet to receive my investigation results. I demand that these items be deleted at once from my credit report as this has caused 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 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Complaint:
I previously filed a complaint related to Equifax reporting inaccurate information on my credit report. 
The most recent errors involve XXXX creditors XXXX XXXX XXXX  and XXXX XXXX fed credit union accounts reporting without the closing dates. Due to these creditors showing as open and not closed, the accounts are negatively impacting my ability to secure housing and new credit. 

Most recently, XXXX XXXX XXXX updated me with the correct reporting information via letter. I submitted that letter to Equifax and they opened another dispute and investigation. After XXXX investigation they updated me that the account should be opened according to XXXX XXXX XXXX. How is this possible! I provided Equifax a letter from XXXX stating how the account t should be reporting and that Equifax was the source of the error NOT XXXX XXXX XXXX. 
Equifax has been extremely unhelpful to me as a consumer and I am seeking legal counsel for guidance to hold Equifax accountable for their lack of assistance in correcting and reporting accurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
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: EQUIFAX, INC. (TX)

Complaint:
Equifax is reporting an item from XXXX XXXX with a close date of XX/XX/1995. This is more than 7 years ago and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (GA)

Complaint:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$1100.00} ), XXXX XXXXXXXX ( Account number XXXX, XXXX opened XX/XX/XXXX, Balance {$2700.00} ), XXXXXXXX XXXX XXXX Account number XXXX, Date opened XX/XX/XXXX, Balance {$6800.00} ), XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$9200.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (VI)

Complaint:
On XX/XX/XXXX, I sought a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX. The office visit was with a doctor in the XXXX XXXX XXXX XXXX XXXX, and was also a referral from my personal care physician. This visit was 100 % covered by my spouse 's employer 's Employee Assistance Program XXXX XXXX XXXX ). 

A year after the visit, XXXX XXXX XXXX XXXX XXXX sent me a delinquent bill notice in the mail. After following up with both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, it was determined that the provider ( doctor ) had improperly and illegally double billed for the service. XXXX had paid XXXX XXXX XXXX XXXX XXXX in-full, and no money was owed. This original debt was for over {$100.00}. 

On XX/XX/XXXX, I received a debt collection notice in the mail from Asset Care, stating that they had been sold this debt and were attempting to collect it. This time, the debt listed is {$20.00}. XXXX XXXX XXXX XXXX XXXX sent a six year old debt for {$20.00} to a debt collection agency. 

Since the time that the debt was deemed to be paid-in-full in XXXX until XX/XX/XXXX, I had received no correspondence from XXXX XXXX XXXX XXXX XXXXXXXX regarding this supposed debt, even though I had continued to use their services during that period. Following the notice of collections, I have attempted several times to get an explanation of the debt from XXXX XXXX XXXX XXXX 's billing department, but they have refused to discuss it, saying that they sold it and can not assist me with anything. They have told me to contact their " Patient Advocacy '' line at XXXX. That is NOT a patient advocacy line. That is a phone number for the debt collector ( AssetCare , LLC ). 

Not only are they creating fake debts, they are also misleading patients into contacting a debt collector under the guise of speaking to a patient advocate. 

Essentially, they made up a fictitious debt, never notified me of it, waited for several years for it to become delinquent, and then sent it off to collections to attempt to tarnish my credit and image.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
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: EQUIFAX, INC. (IN)

Complaint:
n accordance with the Fair Credit Reporting act XXXX  XXXX Bankruptcy - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (OH)

Complaint:
Well I had a company trying to charge my account with a subscription that had been canceled they tried with XXXX different fictitious names for their company and each one of them had I had the money in my account would have been debited to them I told cash app every time they did it I wanted them blocked they had no right to take my money I tried to stop put a stop payment on it several times to no avail finally they got the money out of my account I disputed it I'm on the XXXX day without a word from them I've had to contact them every day trying to get my money back trying to get the temporary provisional credit and nothing I can't even get anybody tell me the same straight story I can keep getting told their specialty team is escalating it I was told by XXXX person I didn't even have a dispute phone I was just told yesterday that it would be taken care of yesterday evening or this morning so I've been on here with them all day and I can't get anybody to just ignore me now I showed them in their own terms and conditions what it said that they have XXXX days after the XXXX days they have to either tonight or give me a provisional credit I'm on the XXXX day and everyone acts like it's no big deal I don't know what to do I keep getting lied to for some generic answers given to me over and over and over I called the company to try to get my money back they told me they would refund it to me I've never seen it that's why I disputed after that I disputed it I then called back the week after right before I did dispute it and they were reward center now they're not even the same company but it's the same employees working there saying it's not them and I know because I spoke with XXXX of them on the phone they're scam XXXX and that's all they're doing I don't understand how that's a hard investigation to pull off when I tried to stop payment on it to begin with that's where it should have been to that and I told them that it's all in the transcripts all in the transcripts of me chatting with support everyday for XXXX months now almost

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NE)

Complaint:
XX/XX/21 See Previous complaint ID : XXXX Contiued issue : Joint account has not been deleted after resonable time as debt collector stated. This account is fraudulent and there is no personal responsibility for this account. This account is in violation of the XXXX ( using any false representation or deceptive means to collect a debt or to obtain information about a consumer )

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