hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-11-29
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. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX accounXXXX XXXX XXXX  ( XXXX adverse remarks ) Opened XX/XX/2014 has violated my rights. 

15 US.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 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 man 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 section 611 ( 5 ) 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.

They are also in violation for the CARES ACT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
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. (SC)

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
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. (MD)

Complaint:
THE XXXX XXXX XXXX XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2022-10-23
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: EdFinancial Services (NV)

Complaint:
THIS INFORMATION IS NOT SUPPOSED TO BE ON MY CREDIT REPORT, THERE ARE MULTIPLE CLOSED ACCOUNTS THAT SAY THEY ARE REFINANCED  ALTHOUGH THEY ARE IN GOOD STANDING THIS NEEDS TO BE REMOVED THERE ARE ALMOST 20 SHOWING THE SAME. 


es 30/60/90 days late ( Last 7 years ) XXXX Additional Information XXXX XXXX XXXX XXXX XXXX Account closed due to refinance Creditor Name DEPTEDXXXX Creditor Contact XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Is everything looking correct? 
If not, you can report an inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MN)

Complaint:
On XX/XX/2019 my bill did not go through when it was on auto-bill.I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2023-04-22
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: Experian Information Solutions Inc. (TN)

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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. (CA)

Complaint:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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: EQUIFAX, INC. (CA)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items 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 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 2022-04-08
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. (CA)

Complaint:
Apparently I had a Pell Grant overpayment in the last semester. XXXX XXXX XXXX did not send any letters to my house whatsoever. All of a sudden, I received a letter from the Department of Education stating that I was defaulted on this over payment. Which Ive never heard of before at all. I tried calling the XXXX business office and the financial Aid office, all they told me was my account is not with XXXX anymore and I need to deal with Dept of ED. Even though I paid the overpayment as soon as I learned about its existence it still got on my credit report. Im asking XXXX to correct the error and remove it from my credit report! 

U S DEPT OF ED/XXXX XXXX US DEPT ED Account XXXX XXXX - XXXX Account Type Installment Account - Installment Account Account Condition Closed - Closed Date Opened XXXX XX/XX/XXXX - XXXX XX/XX/XXXX High Balance {$0.00} - $ 946 Monthly Payment {$0.00} - {$0.00} Account Balance {$0.00} - {$0.00} Last Reported XXXX XX/XX/XXXX - XXXX XX/XX/XXXX Amount Past Due - - - Limit {$0.00} - {$0.00} Remarks - - Responsibility Individual - Individual Past Due - 30 DAYS 0 - 0 Past Due - 60 DAYS 0 - 0 Past Due - 90+ DAYS 0 - 0 The table below represents 24 months of account repayment history

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 2023-09-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Complaint:
I requested to have this account validation of an alleged debt from Bank of America, they : failed to update consumer reporting agencies that the account was being disputed failed to provide proper disclosure and notices required by law violated the FCRA by failing to follow reasonable procedures to ensure maximum possible accuracy when preparing credit reports concerning me as a consumer used instrumentalities of XXXX XXXX via the mails in a business purpose in the collection of debts, and/or regularly collects or attempts to collect, directly or indirectly, debts owed or due, or asserted to be owed or due another failed to provide initial and/or subsequent correspondence that an attempt to collect a debt as prescribed in the Fair Debt Collection Practices Act failed to provide the adequate disclosures required under the Truth in Lending Act. 
required Plaintiff to include charges of a type payable in a comparable cash transaction for the finance charge which is a violation of 15 USC 1605 failed to provide the Plaintiffs right to rescind which is a violation 15 USC 1635 failed to provide the Plaintiff with the right to have insurance included in the finance charge and that is a violation of 15 USC 1605 failed to provide the name and address of the original creditor ; verification of the alleged debt which is a violation of 15 USC 1692g ( b ).

failed to provide proper validation of the alleged debt used false and misleading debt collection practices by failing to communicate that this alleged debt is disputed which is a violation of 15 USC 1692e ( 8 ).

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 2022-07-14
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: Experian Information Solutions Inc. (NJ)

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 complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico 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 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department 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. 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 60days 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 21 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-01-29
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. (CA)

Complaint:
The United States Department Of Education is reporting inconsistent and inaccurate information which is in multiple violations with the FCRA. Per the FCRA all information being reported must be 100 % accurate across all three credit bureaus. The Date Of Last Activity shows for XXXX  as XX/XX/XXXX and XXXX  as XX/XX/XXXX while Equifax as XX/XX/XXXX. This is an violation by the accounts with XXXX  and XXXX  would be ILLEGALLY re-aged on the time frame of which they would stay on the credit report. This account is closed as a XXXX Off but yet Equifax is reporting it as open and 120 days late. This is a violation as well with the FCRA by an account can not be a XXXX off and late 120 days at the same time. An account first goes late then into collections then to charge off status. An account closed can not steadily report late payments per the FCRA. I've also disputed this account previously with XXXX  and Equifax and came back as verified but yet on the document attached shows they never updated the Last Date Verified which defined by the FCRA they're suppose to update the profile each time. Per the FCRA i may collect up to {$1000.00} per violation for which this inaccurate and inconsistent reporting has caused my credit score to drastically drop and continuously drop. I've been denied job opportunities because of this reporting and even so loans. I've lost 3 jobs sadly during this pandemic due to closures and this inaccurate reporting is making it harder to move forward with its reporting. Attached is documents showing such violations and inaccurate/inconsistent reporting along with job denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (TX)

Complaint:
In XX/XX/XXXX/XX/XX/XXXX I was awaiting the refund of my financial aid for classes I planned to attend that Fall with XXXX University. After not receiving the refund when normally scheduled, I began calling their Financial Aid office to get a status. I also emailed the Financial Aid office several times and received no return calls or emails. After a few weeks of this, I finally received an answer from the Financial Aid office stating I had run out of funds in my subsidized/unsubsidized loan availability. I would have to pay out of pocket to attend the classes. I was livid and withdrew from this school. I did not have funds to attend and had completed my Financial Aid packet in a timely manner to receive appropriate notice prior to the start of classes. I feel this is a scam by the University to receive funds from students. Had I not been consistent and diligent in contacting the Financial Aid office, I would have attended courses that Fall and owed for that semester. The school failed to provide any notice or status regarding the Financial Aid. This debt is NOT valid and this Collection Agency has NO CONTRACT. The collection agency has also re-aged this account in an attempt to collect and invalid debt. Delete this invalid debt from my credit file immediately.

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 explanation
Consumer complaint received 2016-12-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc (TX)

Complaint:
While checking my credit report, I saw a debt from Ad Astra Recovery Services collection agency. I then submitted the documents showing identity theft and the company took one of the debts off but left the other debt. I have called numerous times and has been told that the debt was removed, but when I check my credit report for XXXX and XXXX the debt is still there. I would like to have the information removed because it is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (FL)

Complaint:
events happened as follows in XX/XX/2021 I submitted my payment for my target card as usual on time. My payment was not honored due to a bank error. Once I was notified by target I paid the amount immediately with a representative over the phone I also sent target card services the bank letter with the information that my payment was not honored due to an error from the bank that the funds were available. The representative from target card services explained to me it was not an issue and the late payment would be corrected due to it being a bank error.Target credit card services is still reporting a late payment for XX/XX/2021, they never corrected the reporting.

Company response to consumer: Closed with explanation