hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-02-24
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: National Credit Systems,Inc. (GA)

Complaint:
15 US Code 1681e states that 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. I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered.

The furnisher of the information is also liable under the FCRA under 15 USC 1681s-b ( 2 ) because they were notified of inaccurate and incomplete information on my report, and a proper reinvestigation was not done because the information is still inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
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. (AZ)

Complaint:
Equifax has not responded to ANY of my disputes under section 609 or 611 Which I sent certified mail.

Equifax is now in direct violation with the FCRA Because I've yet to receive a response.

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. 

I've attached enclosed letters of my dispute under the FCRA and also a non response to Equifax Via certified SIGNED SIGNATURE. I've yet to receive any correspondence Equifax needs to delete these accounts that are in the attached letters. 

I've also attached a dispute response from XXXX XXXX regarding the " US DEPT OF ED/XXXX '' account seeing how XXXX XXXX could not verify this debt and Equifax has taken well over the required time to respond ... This account needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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. (TX)

Complaint:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (LA)

Complaint:
XXXX XXXX  The amount is XXXX I contacted the collection company letting the know that they ae reporting false information to the credit bureau.

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 2023-08-21
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 — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (FL)

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Complaint:
XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-08-19
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. (WV)

Complaint:
I have disputed XXXX/XXXX on all three credit reporting agencies. Company wrote off amount due which cancelled contract. Sold to collection agency XXXX  which also cancelled contract. I paid XXXX in XX/XX/2015. I can not submit documents. Loss home to flooding XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (NJ)

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-11-01
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. (PA)

Complaint:
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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX .... Balance : - ; XXXX  XXXX .... Balance : - ; XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX .... Balance : {$850.00} ; XXXXXXXX XXXX XXXXXXXX XXXX .... Balance : {$100.00} ; XXXXXXXX XXXX XXXX XXXX XXXX .... Balance : {$720.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$3000.00} ; FIRST XXXX XXXXXXXX Balance : {$5000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; PA XXXX XXXX XXXX XXXX XX/XX/XXXX ; CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2019-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc. (TX)

Complaint:
INVESTIGATION RESULTS - DELETED The disputed item ( s ) was removed from your credit report. 
SYNERPRISE CONSULTING SERVICES # : XXXX**** XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX In response to your dispute, this item was DELETED from your credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$460.00}

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 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

Complaint:
You must remove this account that I disputed previously I did sent you the letter through certified mail but you failed to removed accounts that are unverifiable they are not attached to any address of mine so how are the accounts verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (WY)

Complaint:
I previously filed a complaint XXXX against XXXX XXXX for their paying XXXX despite my letter of XX/XX/XXXX specifically telling them not to. At that time I had a credit balance in my account, and XXXX XXXX decided to steal that credit from me by paying XXXX in spite of my written instructions which XXXX XXXX admitted they received in XX/XX/XXXX. In spite of not having made any charges, XXXX XXXX charged me late fees and penalties AFTER paying XXXX and depleting my credit. In their response to XXXX XXXX XXXX told me to contact XXXX to cancel my XXXX account and if that were unworkable to contact XXXX XXXX so that no further payment would be required. I also received a letter from a XXXX XXXX stating that the payments to XXXX would be placed in dispute but what was not done was to refund any and all late charges and penalties for XXXX XXXX stealing my credit to force my account to go late. More recently as I retired I finally have time to look at my records and it is clear that XXXX XXXX charged me penalties and interest for my repayments that were made on time and in full in XX/XX/XXXX. XXXX is a thief and a scoundrel with the recent XXXX politics it is time to hold XXXX accountable for his theft of my money and not providing any of the " rewards '' that I earned as a XXXX XXXX " member ''. I want repayment of any and all interest and penalties as well as all the payments made to XXXX after my written instructions to NOT pay XXXX after I dropped their ISP service.

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 2020-01-07
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. (NJ)

Complaint:
I have contacted XXXX and Transunion on several occasions ( XX/XX/2019, XX/XX/2019, XX/XX/2019 XX/XX/2019 and XX/XX/2019 ) in regards to fraudulent accounts/public records on my credit report. They have done everything BUT follow the FCRA. They have refused to accept my FTC report/police report pursuant to Section 605B. Transunion is asking for another affidavit stating it does not look like an original when it  was printed from the website. XXXX has sent letters stating they can not locate my file. Then a letter confirming receipt of my letter mailed XX/XX/XXXX. They are not compliant with the FCRA. I have previously filed a complaint with CFPB and not only did they take longer than allotted to respond they did not fix the issue. XXXX  continues to ask for proof of identity which I have supplied SEVERAL 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 explanation
Consumer complaint received 2023-07-06
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: Reliant Capital Solutions, LLC (AL)

Complaint:
Notified via personal credit monitoring that a collection account had been added to my credit report for {$15000.00}. Report states that Reliant Capital Solutions is claiming this is a new collection account that was opened on XX/XX/2023. I NEVER received any type of communication from this collector, I've not been able to dispute such, and they have placed this on my credit report without any notice. Second, this account is OVER ten years old. Given the age of the debt, Reliant is purposely and knowingly providing false information as well as scavenging old debt and presenting it to the credit bureaus as a new debt, one that is well beyond time barred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
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. (PA)

Complaint:
I am a victim of identity theft and did not make the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

Complaint:
Sequim Asset Solutions calls me multiple times a week ( using a different number each time so that I am unable to block ) with the exact same recorded message ( a robot call I believe - which does not contain my name nor his ). The message states that he is attempting to collect a debt which does not belong to me. I have no debts. I believe this to be harassing and the constant phone calls interfere with both my personal and professional life. These annoying automated calls should be illegal. I am currently seeking actions so that these calls stop ASAP. Please contact them and urge them to stop using these harassing methods.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
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: Experian Information Solutions Inc. (GA)

Complaint:
I have been paying XXXX XXXX  for years. I had gotten behind a little $ XXXXbut they added  interest to the balance but on my credit report they put that I haven't been paying on that balance and I have been paying the balance I've tried to dispute the west   Virginia XXXX XXXX through Experian and XXXX. Neither one of them fixed the problem and it's hurting my credit because it saying I'm not paying anything on the balance but now I'm paying off the balance because my child is not getting the support by law they stop taking the support because she's XXXXand has graduated school. I would like it to say that I've been paying on it the whole time I have proof and would like to see that I'm presently paying off it now 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 2023-01-16
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: OPORTUN FINANCIAL CORPORATION (FL)

Complaint:
In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXX XXXX, has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy ; 15 USC 1681 Section 604a section 2 it also states that a consumer reporting agency can not furnish account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Equidata, Inc. (FL)

Complaint:
My laptop was stolen and my information was fraudulently used to open these accounts i never knew about

Company response to consumer: Untimely response
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

Complaint:
I have been contacting XXXX  and Experian several time to correct their internal data. They are recording " No record found '' for my credit report because they do not have my first name in their system. If they corrected their data, my name would be reflected accurately : 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 2022-12-27
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, XXXX XXXX XXXX XXXX has violated my rights. 

Account # 's XXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-05-29
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:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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