hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-07-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Complaint:
Experian : I received your updated credit report enclosed is factual dispute on your credit report that you are reporting { 1 XXXX XXXX XXXX XXXX late payment that is false the vehicle was traded in and I purchased another vehicle through XXXX Please remove the late payments I know thing were slow due to covid } { 2 } XXXX  incomplete account number re aged date, can not post a past due on account } { 3 } XXXX XXXX XXXX  incomplete account number, re aged account reporting past due } { 4 } these inquires enclosed I did not authorizes these inquires } these are factual statements you are reporting on my credit report and they are violations of the FCRA I request that the CFPB handle this dispute

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 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
XXXX XXXX holds our lot loan that matured in XX/XX/2021. While in the process of refinancing the loan, XXXX XXXX erroneously reported to XXXX, XXXX, and TransUnion a 30 delinquency even though we continued to make our regular on-time payments. The credit bureaus started reporting this delinquency on XXXX XXXX, XXXX reducing my credit score by 44 points. 

On XX/XX/XXXX XXXX took negative action against me by reducing my credit limit to the current balance which also inflates my debt to income ratio increasing the negative impacts. 

On XX/XX/XXXX, XXXX XXXX XXXX sent a letter confirming the error, while also stating they sent a correction to the credit bureaus. 

On XX/XX/XXXX, I submitted a dispute to XXXX but received a notice that it will take 30 days to remove. 

Since this delinquency is an admitted error, it should be removed from my credit report immediately mitigating the risk of other creditors taking additional negative actions against me. 

As of today, XX/XX/XXXX, it's been over a month, and the delinquency is still being reported. 

My husband and I are struggling to overcome the devastation COVID caused to his business, working to refinance our mortgage that is current in forbearance and while our situation is improving, this error can devastate us. 

PLEASE HELP US QUICKLY. THANK YOU.

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 2019-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc. (CA)

Complaint:
Designed Receivables Solutions is incorrectly reporting two medical accounts on my credit report as being in collections. They are designated as on my credit reports as XXXX. 

For two reasons, these two accounts fall under the new rule that went into effect XX/XX/2017 regarding medical accounts. ( 1 ) both accounts were incorrectly billed by the original creditor, and as a result were initially not correctly covered by my health insurance company for the correct amounts. Accordingly, I disputed the accounts. An audit process was initiated by the original creditor ( XXXX-XXXX XXXX XXXX ), with the result that additional insurance adjustments were made on the two accounts, and then the remaining balances for both accounts were immediately paid down to XXXX -- ALL PAID DIRECTLY TO THE ORIGINAL CREDITOR XXXX, NOT THE DEBT COLLECTOR DESIGNED RECEIVABLES SOLUTIONS. ( 2 ) During the dispute and audit process, the original creditor had assigned the two accounts to debt collector Designed Receivables Solutions, and Designed Receivables Solutions reported the accounts as unpaid to XXXX, XXXX, and XXXX, even though the accounts were in the process of dispute and internal audit by the original creditor and should not have been reported during that period -- pending correction and resolution. 

Now that the two accounts ' billing details have been corrected by original creditor XXXX-XXXX, and XXXX XXXX has been paid in full, Designed Receivable Solutions still reports the accounts as in collection to the credit reporting agencies, but with updated information regarding the two accounts to show them as " paid '' with a XXXX balance. That is, instead of ensuring that they were deleted from my XXXX, XXXX and XXXX credit reports. That is not correct, according to the 2017 FCRA rule. Both medical accounts should be deleted, rather than penalizing me for errors made by the original creditor that were later corrected and resulted in the accounts being paid to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
There are several inquiries on my credit report due to XXXX XXXX. An injunction was filed on her in XXXX County due to stalking, feeling unsafe, and identity theft. The only inquiries that are accurate are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX. All other inquiries are fraudulent and have not been removed after several attempts.

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 2023-06-20
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. (TX)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be corrected immediately. 

The Infractions are as follows : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX : XXXX DEPT OF EDUCATION/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX XXXX  ACCOUNT : XXXX Alleging Creditor and Account as is reported as having a late payment my credit report : I am demanding that these accounts be updated to Paid as Agreed and Never Late. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these a mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 
Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else UPDATE these items to PAID AS AGREED AND NEVER LATE immediately. 

Sincerely, 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 2015-08-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Western Portfolio Assets (OH)

Complaint:
Well fist they keep calling my parents and they even called my other family members. I think that 's on the border line of harassment. They said them will sue which they are a debt collector which makes no sense. Also it 's not a debt anymore it 's just a bad investment. They also said I had a car loan which implying they will seize that really????

Company response to consumer: Closed
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. (FL)

Complaint:
in accordance with the fair credit reporting act the list of the accounts below has violated my federally protected consumer rights the privacy and confidentiality under 15 USC 1681. 


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 2017-07-27
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. (NV)

Complaint:
Under the new law effective XXXX XXXX,2017 any public record data must include name address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from 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 2018-02-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc. (MO)

Complaint:
XX/XX/2018 someone opened a new account in my name and it wasn't me. AMCOL SYSTEMS .. I CALLED THEM THEY TOLD ME TO CALL YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (MN)

Complaint:
To Whom It May Concern : I am writing this dispute in response to the recent garnishments that occurred from my paychecks in XX/XX/XXXX and ending in XX/XX/XXXX on a debt Cavalry Portfolio purchased from XXXX XXXX. With the conclusion and full release of the garnishments, I consider this account paid in full. 

Cavalry Portfolio continues to report this account as unpaid for the full amount on my credit file. I have requested validity of this and not received a response. I am requesting this be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

Complaint:
I have reached out to the three different credit bureaus for them to update my address correctly and they still have not completed this information. I have sent in numerous documents to correct my address and they have refused to change it.

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 2022-05-03
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: DISCOVER BANK (FL)

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

Complaint:
I was under a reduced payment plan for a reasonable amount per month that was affordable. I ran into some financial difficulty and called and asked for temporary relief, rather than place me in another plan with a lower payment ( {$50.00} a month ), I was offered forbearance. 6 months later, when I wanted to start to repay the loan again, my monthly payments had more than tripled. I asked to be put back on the same payment plan I just had and was told they had no record of that payment amount. There was nothing they could do to help lower that payment and I've been forced to be in forbearance or deferment every since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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. (GA)

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXXXXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2021-09-01
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 am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX all have fraudulent accounts on my credit profile that needs to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
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. (SC)

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 2022-02-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cedars Business Services, LLC (TX)

Complaint:
This company pulled my credit report without my consent and is using that information to harass me. I have asked for a debt verification letter, and the company has stopped sending me emails, but continues to call me 15-25 times in a row every morning and afternoon, usually while I am at work. They are also using internet-generated numbers, so it's never the same phone number that calls. 

The company still has not provided the requested debt verification letter, either. 

Cedar Business Services Email sent XX/XX/2022 : What are you referring to? Your company has consistently claimed this debt against me, but you haven't provided any of the debt validation paperwork. This is a request to validate the debt you are contacting me about. I do not know how your company gained my information, as I have never heard of them. Your company has also illegally obtained my personal information and have used it to harass me at work by calling my phone. Therefore, until debt validation is received, in accordance to my state law, do not contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

Complaint:
On XX/XX/2020, I checked my XXXX  XXXX  XXXX  and saw a hard inquiry initiated by XXXX XXXX. 

I immediately called the bank along with the credit bureaus to dispute the inquiries. The bureaus acknowledged seeing the hard inquiry done on that date above. 

I also added fraudulent alert to all my bureaus for extra protection. Despite my effort, nothing was done on any of these companies ; XXXX and all the 3 credit bureaus I would like you guys to speak on behalf of me to resolve this issue with all the credit bureaus, XXXX, XXXX, and Experian. 

Thank you in advance!

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 2023-08-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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Company response to consumer: Closed with non-monetary relief