hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Complaint:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute an inquiry in my credit file that does not belong to me, or that I have signed any agreement. The inquiry I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this inquiry immediately. 

XXXX XX/XX/2021

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 2023-06-21
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: Experian Information Solutions Inc. (TN)

Complaint:
there was installement loan offered to me in which was paid regulary until the local payment center went out of business in my town, name of the company is XXXX XXXX XXXX. 

There was no where to pay the billing due to the account being moved to another location in which i was not notified, they sent the account to the CRA 's as charged off, then sent it to collections agency, I wrote the collections agency explaining the issue why the account was sent, due not my error, ( the company closed in my town of XXXX, Tennessee. I offered the collections agency to pay the billing with discounted amount of {$150.00}, with all negative reporting being erased and showing on my credit as ( paid as agreed ) however they sent me letter declined the pay off offer, however when checking my credit a month later, it showed the account was not in the collection any longer, it shows an update as charged off account once again, I reached out to credit bureau and asked if this was updated, they continue to tell me no. 

once looking in the law with this, they have re-aged this account, the company sent the account back to the original credit as charge off, due to the collection legally not being able to collect on the debt, Re-aging is illegal, I sent the information of proof showing the accounts were re-aged and credit will not admit this what happened, also i reached out to world finance and they can not seem to find the account. ( this is due to being caught violating with fair credit act, also with them not sending a bill because they could find the account, they can not report to cra 's without being able to notify me of the debt. 

I am asking for this debt to be removed due to the violations the company has done to me causing for decrease in my credit, as well as the credit bureau 's to be investigated, I do also have the proof of all this information that i can send ( supporting documents to show you the proof of these errors listed on my credit file. 

thanks

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 2023-07-18
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: Kriya Capital, LLC (NJ)

Complaint:
There's is an unknown address and name on my XXXX credit report associated with a fraudulent collection claim by Credence Resource Management , LLC. The collection claims that I did not pay XXXX XXXX {$1600.00} for the duration of XX/XX/2020 to XX/XX/2020. However, I was not an XXXX customer during that time frame. I reached out to XXXX myself, and they confirmed that this unpaid account used the fraudulent NY address that is found on my XXXX credit report. I have never lived at this NY address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2017-07-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Westhill Financial (MI)

Complaint:
At XX/XX/XXXX I received a phone call from XXXX XXXX ' from Westhill Exchange LLC in Colorado . He stated that I owed XXXX XXXX XXXX a debt from XX/XX/XXXX and that if I did n't pay he would be taking me to court and I could go to jail. He verified my old address and some other personal information but stated that he could n't send me a bill in the mail to verify this account. I told them that I do n't have that kind of money laying around and I need to have something sent to me. With having a family and with me only working, I paid them the almost {$500.00}. He was supposed to send me an email of confirmation for payment, which I never received. Nor did I ever receive anything in the mail. After returning home, I spoke with my wife about it and she started investigating. Called the bank and submitted a fraud claim against them. The bank has then determined that the claim is in my favor and it was defiantly a fraud. I am now being harassed by XXXX XXXX from Westhill Exchange LLC again via email and phone calls. He states I need to contact him ASAP before a court case is submitted to jail. Please help me with this, I am being harass by XXXX. He ca n't verify this past debt and wo n't stop threatening me with court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Complaint:
payments were missed and put on credit report. 

every time i missed a payment i was in hospital sick and unable to work in the moment - I have XXXX XXXX that puts me in the hospital a lot where i get sick easy and spend time in there. Asked to be fixed cleared on report due to inability to pay and wasnt fixed saying it was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
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. (MS)

Complaint:
I have reached out by letter and phone to Experian to update personal information, and so far they have not complied, the address they have listed are old and out dated, and I fair my identity has been compromised because of 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 explanation
Consumer complaint received 2021-09-27
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. (FL)

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

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 submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
On XX/XX/2022 I received an alert from CFPB that my dispute was closed. Upon reading XXXX XXXX XXXX response to my validation request I discovered they totally ignored my request and did what they felt was sufficient. However, what they provided is NOT in compliance with the FCRA. The following is what I asked them to provide and what is required by FCRA. Sending me copies of bills does not validate this debt no matter how much they would like me to accept it. I asked for the following ..... 

1 ) The description of the procedure used to determine the accuracy and completeness of the information. 2 ) Name, address, and telephone number of each person contacted regarding this alleged account. 3 ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 4 ) proof they are authorized to collect the debt. They failed to provide any of the above information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

Complaint:
I have requested a specific way to apply my payments and Nelnet just  cant get it right. I have emailed them and phoned them. I make two payments per month. The payment on the XXXX of the month in the amount of {$230.00} is to be applied to both groups A and B. The second payment made by my employer is made approximately the XXXX of each month in the amount of {$250.00} and is to be applied to wholly group B. My payment on XX/XX/2019 in the amount of {$230.00} was applied incorrectly. In spite of repeated requests to reapply it remains incorrect. My recent payment made on XX/XX/2019 is also applied incorrectly. In total I have spent hours on the phone with them and countless emails. I can not continue to spend large amounts of time on this. And it doesnt seem to difficult to get it right. Also staff is quite rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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:
Recently I've mailed in a dispute letter asking Experian to investigate multiple accounts that's reporting in violation. The accounts listed in my dispute letter do not belong to me nor do I have knowledge of who they are. They are reporting accounts to Experian stating that I owe them a debt but how can I owe them anything if there was never an agreement? These accounts are in violation of 15 U.S. Code 6801 - Protection of nonpublic personal information, in which they did not respect my right of privacy. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( 5 ) Treatment of inaccurate or unverifiable information, these accounts must be removed in which we never made any agreement nor is there permission from me to report these accounts which make them unverifiable.

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 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (WI)

Complaint:
Please see the complaint that was sent to LexisNexis : Dear LexisNexis : I have recently looked at a copy of my credit report and see that you are still providing inaccurate information about a couple of bankruptcies that were filed. It is my understanding that this information must be reported correctly or else it must be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already spoken with the courthouses that these bankruptcies were filed in, and I know that they did not provide you with this information as they explicitly stated that they don & # 39 ; t report information to anyone. 

My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed this bankruptcy from your system. 
As a consumer, the first violation is 15 USC 1681 ( a ) ( 4 ) - consumer rights to privacy.

You infringed upon my consumers right to privacy by obtaining this erroneous information and selling it for profit. The second violation that I notice is 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction. Upon the many other violations, I would like to give you the opportunity to fix this situation by removing this bankruptcy from your system within 15 days. 
Failure to respond or do the right thing ( i.e. Removal ) will result in a complaint to the CFPB, FTC as well XXXX. I do know my rights and youre violating them with this inaccurate information your company is reporting. 
Thank you, XXXX XXXX Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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. (PA)

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-09-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (FL)

Complaint:
On XX/XX/2020, I received a call from a man who identified himself as a process server from XXXX XXXX XXXX in California ( phone number XXXX ) who informed me that a civil lawsuit has been filed against me in XXXX XXXX, Florida by Citicard Home Depot ( Case # XXXX ) and I will be served today. He recited my social number but did not identify himself. I contacted my credit card company Citibank Home Depot and was informed that my account has a XXXX balance and there is no evidence of any payments due or debt owed to this creditor on my current credit report. I contacted the police and made a police report ( City of XXXX XXXX Police Department # XXXX ) Shortly thereafter my husband received a voicemail message from the caller who indicated that my husband and I were being sued and that implied that they would contact our mortgage. It is important to note that my husband and I have never had a joint credit card with Citi card or Home Depot and, based on my review of XXXX Country Clerk of Court records, there is no evidence that a civil complaint is currently filed me against me and/or my husband by Citicard or any other creditor. I believe that may be an old debt which, if true, would have existed years before I met my husband. I was informed by the police that the police contacted the company and was informed that this is related to a debt collection effort. In a subsequent call, the debt collector called me a " loser '' and a " dead beat '' and made other disparaging comments about me to my spouse.

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 2022-08-30
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. (MO)

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

Complaint:
I've contacted this company numerous of times over the past 5 months. I've stated to them as well as proven to them that they are reporting inaccuracies on my credit report. This is affecting my credit very poorly and stopping me from obtaining residence for my family. I gave this company more than enough time to correct this. Way past the legal time companies have to respond. And they just continue to violate my rights per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
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. (CA)

Complaint:
I was a victim of ID Theft and there 's a lot of fraudulent items on my Equifax credit report. On XXXX XXXX, XXXX @ XXXX, I mailed Equifax : 1. Copy of credit report with fraudulent item 's highlighted. 
2. Copy of police report 3. ID Theft Letter to Equifax ( disputing fraudulent item 's ) 4.FTC affidavit 5. Copy of ID & SS card On Friday, XXXX XXXX, XXXX @ XXXX Equifax received my documents. I have attached USPS Delviery confirmation to this compliant for proof. ( TRACKING # : XXXX ) Equifax REFUSED to block all disputed fraudulent item 's. On XXXX XXXX, XXXX I received a letter from Equifax stating the item 's were VERIFIED. 

This is my final attempt to resolve this issue with Equifax before I start the LITIGATION process on Thursday, XXXX XXXX, XXXX in Federal Court,  seeking damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Complaint:
I XXXX XXXX have noticed some fraudulent accounts and unauthorized inquires on my credit report. 

Accounts 1. XXXX XXXX {$150.00} 2. XXXX XXXX {$520.00} Inquiries 1. XXXX XXXXXXXX XXXX  2. XXXX XXXX 3. XXXX XXXX XXXX 4 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 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX 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 response to consumer: Closed with non-monetary relief