hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-07-17
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. (GA)

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
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: EQUIFAX, INC. (FL)

Complaint:
I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report Chapter XXXX Bankruptcy, XXXX XXXX XXXX, XXXX XXXX ( Acct XXXX and XXXX ), XXXX XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
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. (CA)

Complaint:
I DISCOVERED THAT THER IS XXXX XXXX XXXX ACCOUNT ( XXXX NO : XXXX ) IS REPORTING IN MY CREDIT REPORT. I'VE NEVER HAD XXXX ACCOUNT. THAT IS WHY I FILED FTC IDENTITY THEFT REPORT AND SUBMITTED THAT DOCUMENT TO THE CREDIT REPORTING AGENCIES. ALL THREE REPORTING AGENCIES, EXPERIAN, XXXX, AND XXXX DELETED THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT, BUT RECENTLY EXPERIAN REINSERTED A FRAUDULENT ACCOUNT BACK TO MY CREDIT REPORT. I AM A VICTIM 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 2020-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

Complaint:
I have my identity theft report to midland credit Management and they are still attempting to collect Dept via mail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hiday & Ricke, P.A. (FL)

Complaint:
Sometime late XX/XX/XXXX, I received a bill from a collection agency by the name of Hiday & Ricke , P.A . Stating I owed them XXXX. They claimed it was a Debt for a credit union account. On XX/XX/XXXX. I sent them a debt validation letter which they never returned to me. The thirty day time frame has lapsed and they are still harassing me and even served my Grandmother- in-law court papers which is ( ILLEGAL )!!!! I'm planning to counter sue them in court. Luckily we have camera 's on our house to prove it. 
I want people to know this is a debt collection company and you don't owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
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. (PA)

Complaint:
I have previously submitted valid Identity Theft reports to Experian, XXXX, and XXXX # XXXX. I also went to the neighboring police station to file a criminal complaint. The fraudulent items are still reporting on my credit files. Either validate the debt meaning produce the original documents bearing my signature or remove the fraudulent items from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11
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: Nelnet, Inc. (MA)

Complaint:
DEPTEDNELNET XXXX This is the payment remarks. As you can see, it started late 90 days right away without prior late remarks. 

XXXXunkown OK OK OK OK 90 days late 120 days late unknown unknown unknown unknown unknown OK OK OK unknown unknown unknown OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OK OK OK OK 90 days late 120 days late unknown unknown unknown unknown unknown OK OK OK unknown unknown unknown OK OK OK OK OK 90 days late 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 2022-02-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Complaint:
XX/XX/2021 I submitted an investigation and requested a debt validation. Equifax failed to properly investigate the account and remove the inaccurate and unverifiable information from my credit report. I submitted a debt validation request to the original creditor using the same information listed on my credit report and they responded back saying they were unable to located an account with the information provided. 

How is Equifax able to verify, report, and update account on my credit report but the creditor dont have any information regarding this account? 

I am requesting that this account be removed immediately for failure to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
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: Experian Information Solutions Inc. (GA)

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, XXXX, XXXX XXXX Company Inquiries : 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 2022-03-05
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: Factor Trust (MS)

Complaint:
I received a copy of my consumer credit report from Factor Trust Inc. on XX/XX/XXXX, Report # XXXX. The credit report was extremely extensive and contained multiple inaccuracies and outdated personal data. 
I mailed a formal dispute on XX/XX/XXXX to Factor Trust Inc and waited for results. 
After no response, I mailed another dispute on XX/XX/XXXX, XXXXthis time certified mail. ( Dispute dated XX/XX/XXXX ). 
Again, no response. 
Next, I mailed a failure to respond to my dispute on XX/XX/XXXX via certified mail ; referencing the dispute of XX/XX/XXXX because I have proof of receipt on file. 
I receive a response days ago, dated XX/XX/XXXX stating they received my dispute ( by now I've sent 3 with no results ) ; however, I must first obtain a copy of my report before I can file a dispute. 
Hmmm. How would I be able to mail such a thorough dispute, if I did not have a consumer report from Factor Trust?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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: EQUIFAX, INC. (MN)

Complaint:
Request to provide document I sent your company my dispute on XXXX/XXXX/2022, which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor.

2. The contact information for the creditor.

3. The name of the person who verified the item to you.

4. The method of communication you used to verify this information.

5. Did the creditor provide you with my SSN, address, and Date of Birth?.

I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA (NY)

Complaint:
I have been trying to resolve this issue with the loan servicer for quite sometime. They have changed names so much it's hard to keep up with them. Direct loans were the loan servicers for these loans and i have asked them to show me a wet signature showing that I requested these loans and received them. There has been no compliance with validating the debt and it has been ruining my credit for over 10 years. I would like them to remove this from my credit report due to the fact that, there is nothing validating the debt, I have tried to contact them to resolve the problem but the credit bureaus continues to say that the debt belongs to me. I am ready to take this to court if necessary because the response from the loan servicer has always been validating the debt without showing proof. It has affected my life mentally and physically. Pain and suffering is just the tip of the ice burg with what its done to my life. If they do not get this off of my credit report, that is the next step I am taking, no more no less.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Complaint:
someone tried to use my identity to open a capital one credit line. I have a good idea of who it is. I'd like to receive a police report to press charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06
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: EQUIFAX, INC. (GA)

Complaint:
I file a complaint against Equifax each time fraud is put on that belongs to someone with the same name or my family member. I am so tired of this. Now, your company has put XXXX XXXX XXXX on my credit file. My car is financed through my credit union. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Cc : XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Confirmation Number XXXX I am writing to dispute the following data in my credit file. I have listed all XXXX XXXX XXXX above. It is a letter meant to bring unnoticed mistakes to Equifax 's attention. I am begging that these fraudulent items be detached from my credit file and correct my credit report 's data. 

I have severe problems with XXXX XXXX XXXX! These kinds of companies are probably responsible for different breaches at Equifax. My credit file was a breach was years ago without any compensation. I completed all the appropriate I am still trying to get my V. A. Loan that I have rightly earned. 

Please delete these as soon as possible. I will keep pushing these removals until I am entirely content with this simple process. Why can I not get my V.A. Loan by no fault of my own? Why should my family continue to stay in a hotel since I can not obtain a loan? Why has this been going on for nearly two years? Why will Equifax not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Americans, particularly my XXXX I am begging to have XXXX XXXX XXXX removed, and let me XXXX? 

Could you all show XXXX 's kindness to Veteran who risked his life in fighting for a country I love dearly? Equifax could make this right in a matter of minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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. (AR)

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6500.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1600.00} ; XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6500.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00} XXXX XX/XX/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 2021-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (AZ)

Complaint:
I tried logging into my account was unable then i called they said my account was permanently suspended and disconnected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (WA)

Complaint:
I received a letter dated XX/XX/2020 from a Synergetic Communication , Inc. that says they are trying to collect debt originally owed to XXXX but now owed to XXXX XXXX XXXX , XXXX. It is in the amount of {$250.00}. I do not owe any debt to XXXX, something I verified by calling XXXX and speaking to customer service representatives and a representative from the Recovery Department. My credit reports back this up. 

The letter states that unless I dispute the validity of the debt, the collector will assume the debt is valid. I don't think that is legal since I never owed the debt in the first place. 

The letter states that I can request in writing that the debt be disputed and that they will send me a copy of the judgment or verification. It also says I can request the name and address of the original creditor. I plan to do both.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
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: ALLY FINANCIAL INC. (FL)

Complaint:
TO XXXX XXXX THE XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, I AM HOLDING YOU RESPONSIBLE FOR DAMAGES IN WHICH YOU HAVE CAUSE AND FOR VIOLATING MY RIGHTS FOR NOT REMOVING THESE FALSE INAACURATE INQURIES THAT HAVE BEEN PLACED ON MY CONSUMER CREDIT FILE BY YOUR COMPANY ... .15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... ..I NEVER DID NO BUISNESS WITH YOUR COMPANY ... 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; REMEMBER MR.XXXX I GAVE YOU AN OPPURTUNITY TO REMOVE THIS FALSE INQUIRY AND YOU DECLINED ...

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 2021-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
The months of XXXX, XXXX, and XX/XX/XXXX have been excluded from calculation of my score. Due to this the score erroneously dropped from XXXX to XXXX in XXXX and has remained XXXX each month since. It is now XX/XX/XXXX. My score has remained XXXX in spite of on time payments on all accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
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. (MD)

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Complaint:
This company has put " fraud alerts on my account failed to share why requested the authorize users info not mines for verification, which was submitted they then called after confirming they received everything claiming they needed the authorized users that aren't on my account anymore but wont give information on what is going on with my account nor asking for my info to verify me. The representatives were very rude and unprofessional and highly unorganized to be giving piece by piece of information and calling asking for items that aren't needed this information should have been asked for at once. I have had and maintained this account for a while and this by far is the worst experience I have had and I am highly disappointed and will be filing complaints with cfpb, XXXX and my attorney general ask know feel that my rights have been violated, compromised and discriminated. I asked the alleged supervisor XXXX in the Fraud dept for information and she failed to give to me never once was my identity verified when giving information and I know all calls are recorded and on my end, I will be reaching out to my legal team if I don't get solidified information regarding my account and its security this has placed me and children and family at risk cause depend on the card for our necessities. this experience is by far unprofessional

Company response to consumer: Closed with explanation