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: 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. (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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
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 — Their investigation did not fix an error on your report
Company: Upgrade, Inc. (NC)

Complaint:
I would first like to start and say that it saddens me that I have to file a complaint so I can be heard from Upgrade. First, I filled a complaint XX/XX/XXXX regarding my past two late payments. As of XX/XX/XXXX, I did get a response from Upgrade granting the removal of the two late payments from XXXX of XXXX, which was done, but only for two weeks unfortunately. I checked my three credit scores on XXXX, XXXX, and XXXX on XX/XX/XXXX. The removal was successful for only XXXX and XXXX. Currently, as of todays date, Ive paid my Upgrade balance in full and currently XXXX states the two late payments were removed successfully, XXXX states I have one late payment on XX/XX/XXXX, and XXXX XXXX I still have two late payments from XXXX XXXX. I still want to do business with Upgrade, but the inaccuracy on my credit report is causing me much distress. Ive already spoke to XXXX and XXXX from Upgrade, which they both stated that my credit report should be reflected accurately by now. I just want to move past this and move forward and continue to do business with Upgrade.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (OH)

Complaint:
This is the third CFPB complaint I have had to file against this company, all for the same reason, I will not stop contacting me. 

My first complaint was filed after I sent them a debt validation letter in response to their collection letter dated XX/XX/XXXX. They did not respond to that complaint at all. They later claimed they didn't receive it but I sent the letter certified mail and have the signed postcard. 

The second complaint was filed because they continued to call me multiple times per day after they received my DV letter and after I filed the original CFPB complaint. 

In response to these two complaints, they told the CFPB that they would send me validation documents. These were never sent. 

I contacted XXXX XXXX by email ( XXXX ) on XX/XX/XXXX regarding their dishonesty in their response to the CFPB complaints and again requested that the debt be validated. She replied that same day saying they would check with the creditor and verify the balance amount. I responded saying that that was not what I asked for and that I expect them to verify the debt as they are required to do so and as they told the CFPB they would. I also pasted the text of the DV letter I sent them on XX/XX/XXXX. I received no further response and never received any documents from them. I followed up on XX/XX/XXXX by email and did not receive a response then either. 

Today I received another collection letter in the mail from them regarding the same supposed debt. This violates the FDCPA because they have continued contacting me without first supplying me with verification of the debt.

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 2023-07-01
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: Adler Wallach & Associates, Inc. (CA)

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANCO POPULAR DE PUERTO RICO (PR)

Complaint:
Using as reference the complaint XXXX supplied on XX/XX/XXXX where it was referred to the REGULATOR FTC, I wish to point out the following because I understand that there were a series of hidden events in this transaction between the XXXX, XXXX XXXX XXXX XXXX and possible employees who made this fraudulent request thinking that perhaps because I was a co-signer, they could offer or sell a vehicle to a person who was requesting it but needed a co-signer. 

I wish to point out that the letter received does not specify anywhere that this server has authorized to be a co-signer of any. It does not appear or calls made and I do not know the names of the people who are in this type of transaction because I consider it a fraud or theft-sign that they have made in an office that I do not know where it is. 

I am greatly concerned about this situation that has affected me even emotionally because I am a person who has been classified medically and with evidence that I suffer from major XXXX and emotional events beyond my control. I understand that I have not made any type of transaction requesting any vehicle in addiction I can not be a co-debtor and authorize them to investigate my credit because I am clear that I would not qualify, but the event only interested and I called different vehicle dealers but at no time and so on I specify it, they will use the Banco Popular de Puerto Rico for financing and it was mentioned to the person that in any case I would use a Cooperative if I so desired. But this never authorized it. The person did it by " motus proprio ''. 

I consider that this was an unfair practice to me and contributes to the mistrust of these financial entities. I hope that the FEDERAL TRADE COMMISSION takes action on the matter. 

I hope and point out the points that the FTC must evaluate in this situation. 


XXXX FTC 's XXXX of XXXX XXXX XXXX XXXX, deceptive and fraudulent business practices by collecting reports from consumers and conducting investigations, suing companies and people that break the law, developing rules to maintain a fair marketplace, and educating consumers and businesses about their rights ... 

XXXX. Established by the Federal Trade Commission XXXX XXXX XXXX XXXX, the Federal Trade Commission XXXX FTC XXXX regulates advertising, marketing, and consumer credit practices and also prevents antitrust agreements and other unfair practices. 
XXXX. Criminal prosecutions are typically limited to intentional and clear violations such as when competitors fix prices or rig bids. The XXXX XXXX imposes criminal penalties of up to {$100.00} XXXX for a corporation and {$1.00} XXXX for an individual, along with up to 10 years in prison.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Complaint:
Equifax is reporting hard inquiries and an address that does not belong to me or I have ever been associated with. 

ONLY NAME EVER USED IS XXXX XXXX XXXX ONLY ADDRESS LIVED IN SINCE XXXX : XXXX XXXX XXXX # XXXX, XXXX XXXX, CA. XXXX THESE INQUIRIES ARE FRAUDULENT : XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-01
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:
There are some accounts and a bankruptcy listed on my credit reports that aren't mine. Please remove them.

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 2019-11-05
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. (TX)

Complaint:
Equifax is giving credit bureaus different information about me defamation of character showing wrong information about me ... 

Experian and XXXX  not letting me look at my credit BEEN a victim of ID Theft XXXX XXXX not paying for their mistakes i have letters and asked for a fix

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my Credit File because Experian has been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Experian for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX Late Dates XXXX, XXXX  XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX Late Dates 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 2022-03-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc (GA)

Complaint:
I sent Demand Letter to ABC Fitness Solutions for contacting me via ( autodialer or ATDS ) without my consent which violates the TCPA 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ). On XX/XX/2022 the business presented a Membership Agreement that claims I consented to be contacted by phone. 

But I didn't consent to receive calls from an ( autodialer or ATDS ). Autodailers are illegal without prior consent under TCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

Complaint:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC. (OH)

Complaint:
Company filed a lien against my proper past the statue of limitations and did not provide documentation or allow time for a disputed reply to judgement demand. Lien needs to be removed immediately. I am being harassed by this company.

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 2019-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (AZ)

Complaint:
According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, Firstsource is engaging in said violations of latter federal statutes. Firstsource did not provide within 30 days of their notice of alleged debts, and furthermore do not enclose a date of when this alleged debt occurred. There is no itemized receipt that was produced within the afforded time frame of 30 days, nor any evidence that I owe any money to XXXX XXXX. In fact I have never had XXXX XXXX service as my current provider is XXXX, and before that I had XXXX, I do not owe any money to this alleged account. Thus, I hereby refute the validity of this collection attempt, as null and void. This company needs to cease and desist and not communicate with me again on a debt I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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. (VA)

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-05-12
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. (NY)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX, Account : 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 1681 ( 2 ) ( a ) ( i ) States exclusions on " consumer report '' does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Form 1099-c must be filed regardless of whether the debtor is required to report the debt as income.

According to the IRS a charge off is considered income and not debt and a 1099-c must be filed along with taxes. 

Section XXXX of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete.

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 2022-12-13
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:
I have reached out to TransUnion and requested their company to stop infringing upon my rights to privacy for which I have yet to receive a response. TransUnion is in violation of my rights as a federally protected 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 non-monetary relief
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Complaint:
Experian is reporting opened date and payment history in these accounts wrong, since this is inaccurate reporting please have them removed from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and 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 2022-08-09
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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX 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

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 2017-06-24
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. (MO)

Complaint:
Equifax is reporting a late payment on my credit report with ally financial in which this information is incorrect. I disputed this before and ally reported to them that it is no late payment. I 'm guessing Equifax refused to report my account accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (NY)

Complaint:
On XX/XX/2023 I submitted letters to Equifax, XXXX, and XXXX asking them to reinvestigate the information previously disputed and provide who they verified the inaccurate information reporting on my credit report with and I have not received a response. The date is now XX/XX/2023 and I understand the next step is litigation, however I am giving the bureaus a chance to rectify this situation. I want to formally file a complaint and receive the fair response that I am due. Please hold these companies accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Complaint:
The beginning and current balaces due for XXXX XXXX XXXX are incorrect. The lendor is showing an original loan amount of XXXX. This amount is incorrect. The XXXX is not correct amount loaned at the time of purchase. The amount shown is the base purchase price for the vehicle and not the entire loan amount which included Taxes, Warranties, Insurance and original down payment. Also the current balance shown dies not reflect the correct balance as XX/XX/2019.

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