hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Complaint:
United States Bankruptcy Court for XXXX XXXX XXXX XXXX Texas has NO interaction with credit bureaus ( EXPERIAN, XXXX or XXXX ) which includes reporting information regarding bankruptcy cases or verifying the accuracy of information regarding bankruptcy cases held by these credit bureaus. The Federal Bankruptcy Court does not supply information to credit agencies ( EXPERIAN, XXXX or XXXX ) or to third parties like XXXX who is responsible for reporting this bankruptcy. 

The credit reports supplied by EXPERIAN, XXXX AND XXXX reflects a debt being reported by the United States Bankruptcy Court for XXXX XXXX XXXX XXXX Texas which is untrue. This bankruptcy was reported by XXXX and needs to be deleted immediately because all debts including bankruptcy can only be verified by the originator or it must be deleted. Attorneys and other case participants use these third-party services to collect and organize case filings in matters in which they are involved. It is this electronic filing which gives third parties like XXXX XXXX access to restricted or sealed case information and documents, typically in violation of court order. 

XXXX never informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), NO consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. EXPERIAN, XXXX and XXXX are presenting this information as if it were supplied and reported by the United States Bankruptcy Court for XXXX XXXX XXXX XXXX Texas. 

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, EXPERIAN and XXXX are not maintaining reasonable procedures. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' And I am opting out of their reporting services.

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 2017-09-10
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

Complaint:
I have sent numerous dispute letters to Equifax about a furnisher /public record named XXXX XXXX XXXXXXXX CT XXXX XXXX they are reporting on my credit report. Equifax claimed they verified directly with the with Lexis Nexis that XXXX XXXX XXXX CT XXXX XXXX that the account belongs to me. I 've requested their method of verification SEVERAL times and each time they just mark as " verified '' without providing me proof of their method of verification with a written reply from the furnisher nor XXXX XXXX ( who by the way has my account locked ) that clearly states this account belongs to me. These are all clearly stated on all my requests and yet they ignored and just marked it as " verified ''. If my account with XXXX XXXX has been locked from access how is Equifax able to verify this? I 'm very dumbfounded. 
If Equifax is not able to provide their method of verification to me how do I know this belongs to me and how is this accurate? 

Nonetheless, I made my own request directly to XXXX XXXX XXXX CT XXXX XXXX, and my letter was as returned '' ( letter attached ). Now, with my request being returned from the court, how is Equifax and XXXX XXXX able to verify so quickly with the court and mark it as " verified '' and close my dispute? With Equifax 's response to my CFPB complaint # XXXX as " verified '' again. How is this all possible and how is this fair and accurate reporting? 

Several creditors, home lenders refuse to provide me credit due to this information and it is very damaging to my score. I 've attached all the letters I 've sent to Equifax and each dispute they 've responded with " verified '', again without providing me information on how they verified this information from XXXX XXXX or the furnisher. 
Again, each dispute I 've sent to Equifax, answered as " verified '' without providing me proper " written '' method of verification is a violation of the FCRP 611 ( a ) ( 7 ). This is an intentional false reporting if they are unable to provide me their method of verification. I am making one final attempt to have Equifax correct/delete this information from my personal credit report before I proceed in a small court claims if they are unable to provide me WRITTEN verification on how they verified this directly with XXXX XXXX XXXX the XXXX XXXX XXXX  CT XXXX XXXX. 

I, again will remind XXXX that in a case, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX XXXX, they may be liable for their willful non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-17
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. (VA)

Complaint:
I have requested multiple times for multiple entries on all three reporting agencies to be corrected. Not only have they not, but they now refuse to allow me access to my own files. 

I sent all three a letter through the USPS with copies of my passport ; license and passport card. They still refuse. 

Please require all three of them to immediately send me paper reports, and do whatever has to be done to allow me online access. This was in my written request, which they have ignored,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2018-06-04
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MN)

Complaint:
**THIS IS NOT A DUPLICATE** I mailed a payment into Chase Auto Finance and payment/ envelope was returned. 

I am resubmitted to have this issue taken care of. I have provided a copy of written check/ envelope that was returned. 

The derogatory remark should be removed. If not I will be seeking legal representation to have item removed, since I have provided sufficient evidence of returned mail item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First Federal Credit Control, Inc. (OH)

Complaint:
First Federal Control shows up on my XXXX credit report several times as my owing them funds that was discharged in a chapter XXXX bankruptcy. 
Please see that they also show up as unknown just to report to the credit bureau, XXXX, to make my life horrible. 

Section 609 of the CFRA states that the only debts that should be reporting on my credit report are those that have been accurately verified. 

They should not be showing up at all as this debt was dismissed via a chapter XXXX bankruptcy back in XX/XX/2015. 

Also these are unverified debts which have also exceeded the statutes of limitations for the state of Ohio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Complaint:
On XX/XX/2022 @ XXXXXXXX XXXX I received an email alert from XXXX for a hard credit inquiry for a credit card from Bank of America that I did not approve. I also received an email from Bank of America asking to confirm my email on a newly created account that I did not approve. I have tried to call both XXXX and Bank of America with no resolution.

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 2022-08-10
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: Resurgent Capital Services L.P. (GA)

Complaint:
Hi I am submitting this XXXX XXXX, this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my XXXX has me at a credit score over 719 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my XXXXo say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Complaint:
I would like to file a complaint against this credit bureau for violating my rights under the Fair Credit Reporting Act and for committing an illegal act and thus a violation of the Fair Credit Reporting Act. This credit bureau has re-aged an old account that has been reported on my credit report inaccurately. The name of the account that is been re- aged is XXXX  XXXX XXXX account number XXXX. I called and spoke with an Equifax representative in the dispute department who told me that the XXXX XXXX XXXX account was scheduled to drop off my credit report in XXXX of XXXX and that in the system the account was showing as been 1 year, 3 months and 14 days old. This is despite on an old credit report it is showing that the account was opened in XXXX of XXXX. 
Re- aging of any item on a credit report is ILLEGAL AND VIOLATES THE FAIR CREDIT REPORTING ACT. I am therefore asking this credit bureau XXXX XXXX XXXX XXXX XXXX  from my credit report immediately due to this violation and illegal act. A failure to delete this account from my credit report will see me taking legal action and suing this credit bureau so as to recover damages. This complaint will be used in a court of law should the needs warrant it. 
I have enclosed copies of my credit report showing where the XXXX XXXX XXXX account has been re -aged. Kindly see files attached. Kindly delete XXXX XXXX XXXX from my account immediately or face legal action for re-aging of an account and reporting false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
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. (IL)

Complaint:
I've just received my credit report and noticed unauthorized items that is reporting to ALL 3 credit bureaus and it's hendering my chances of success during these rough times

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 2022-06-17
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. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Complaint:
Update my account and scrore they did not provide the right 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 2020-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (PA)

Complaint:
Acct : DEPTTEDNELNET | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE Acct : XXXX  XXXX | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE Acct : XXXX | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE Acct : XXXX  XXXX | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE Acct : XXXX/XXXX  | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE Acct : XXXX XXXX | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
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:
XXXX XXXX XXXX # XXXX - account on file in error, was never delinquent, dates incorrect, Cased with state was closed by Custodial Parent,, all information incorrect, date opened, date of last payment, comments, date last active disputed this and it came back verified when clearly the information to both bureaus isnt event the same

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 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

Complaint:
ExperianXXXX XXXXXXXX XXXX shes XXXX accounts incorrectly, the other bureaus have the info right but Experian does not. It shows my XXXX XXXX XXXX account that was charged off reported on XXXX of XXXX and then reported a 180 day late payment on in XXXX of XXXX. This is XXXX YEARS AFTER the charged off date. The debt was charged off by the company we can not make payment to them and therefore its impossible to have a late payment with no balance. They are also showing a balance on the charge off. It shows XXXX charge offs on XXXX account- it can not be charged off every month for 43 months only XXXX charge off can happen and it shows still open which is also inaccurate This is Re-aging of my credit and it illegal. 

In addition ExperianXXXX  XXXX XXXX was charged off on XXXX of XXXX. It wil In our XXXX XXXX XXXX and Experian is showing it suddenly charged off in XXXX of XXXX this is also incorrect and shows a balance. A balance is not possible after a charge off as its been written off by the creditor. The account was closed after the charge off and experian kept reporting it. This is re-aging of my credit and is illegal. 

This has dropped my score over 100 points. Experian is famous for reporting in accurate information. They need to fix it immediately. Its ruining my ability to buy the house we are under contract for. If its not fixed I will file a lawsuit. I have bankruptcy docs to send but CFPB says to not show some of the personal info on the docs. The screenshots below are from the experian site/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 2020-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (OH)

Complaint:
I received a bill dated XX/XX/20 from Phoenix Financial Services for XXXX. I immediately contacted them and let them know that this was a part of a fraud account with XXXX XXXX and that I had police reports for this theft. I also contacted XXXX XXXX to have them contact : Phoenix Financial Services to let them know that the debt was not mine. After a few weeks I noticed the debt still appeared on my credit report. I immediately contacted them again and asked this be taken off my credit report asap. they said they could not and I have been getting the run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
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. (GA)

Complaint:
I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Professional Finance Company, Inc. (CO)

Complaint:
Professional Finance Company is a collection agency. They contacted my employer with a writ of garnishment. I contacted them prior to the garnishment starting on XX/XX/XXXX and paid them a settlement amount of {$760.00} to stop the garnishment of {$930.00} even though I still have no clue why my previous employer is garnishing my wages at my new employer I paid them to just make them stop. I confirmed on the phone with them that the payment I was making would close my account, pay the balance in full and stop the garnishment. They said yes and stated the would fax a release of garnishment to my employer. The following week XXXX $ was garnished from my check. I contacted my employer on XX/XX/XXXX who stated they had never received a release of garnishment. I contacted PFC on XX/XX/XXXX as well, they stated they would yet again the account was fully paid and they would fax a release of garnishment and that I could come pick up the wages from my check that were garnished when they received it. On XX/XX/XXXX my employer called me to tell me that they still hadn't received a release of garnishment and if they didn't receive one by XX/XX/XXXX another portion of my check would be taken and sent to PFC. I got off the phone with them and called PFC who is now stating they have already faxed the release of garnishment and will not send another even though my employer never received it and now they are stating that I owe them an additional XXXX $ for something that was never included in the payment I made on XX/XX/XXXX when I paid my balance in full. Now due to the payment I made in full of XXXX and the XXXX they have taken a total of XXXX which is over the amount stated by the courts that I owed them ( XXXX ) and they are refusing to fax a release of garnishment or anything stating that I paid them so they can continue to garnish even more of my wages.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief