hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Midwest Recovery Systems (VA)

Complaint:
I placed a dispute with Midwest recovery about the account covered by insurance showing as a negative account in collections on all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
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. (TX)

Complaint:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
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. (TX)

Complaint:
This is XXXX XXXX XXXX and I am submitting this CFPB Complaint to request several credit inquiries that were unauthorized to be removed from my credit report. On XX/XX/, I received a copy of my credit report and became aware of four inquiries that I did not authorize. They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In keeping with the Fair Credit Reporting Act, I am asking that my claim is investigated and any and all unauthorized inquiries removed from my credit report. I would appreciate a copy of my credit report once the inaccuracies are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (TX)

Complaint:
I have been in contact with XXXX XXXX of Consumer Affairs, spoke to a supervisor name XXXX XXXX. I have submitted a police report and an identity theft report regarding the account for JPMCB, and XXXX XXXX, which is still reporting. I have filed a lawsuit, and nothing has happened with this account. It was settled, and still no removal of an account I did not authorize. My desired outcome is for these items to be removed in my favor. 
I have sent documents already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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 submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). How can you say it was already processed when I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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. (TX)

Complaint:
I have reached out to Equifax, XXXX and XXXX. I have also reached out to creditors that have assumed the debt and have had no help getting my credit report to display the accurate information. There are names, addresses and open/ closed accounts that are being report inaccurately across all three agencies. I have reached out to each one, requesting validations and original information about alleged accounts, and none have acted in correcting this error. Equifax : is reporting addresses that the other two agencies are not. Incorrect Addresses : XXXX. XXXXXXXX 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 XXXXXXXX There are Inconsistencies amongst all three reports with different reporting 's for closed and charged off accounts that have not been validated or provided with the original purchasing agreement. Accounts have been listed below : XXXXXXXX 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 ; Amount Reported {$540.00} All of these inconsistencies are not only a violation to my METRO 2 protocol rights, but the inaccurate reporting of these accounts have violated my listed USC codes. Section 604 15 U.S. Code 1681b Section 605A 15 U.S. Code 1681c1 Section 605B 15 U.S. Code 1681c2 Along with other violations of Fair Debt Reporting Practices : 15 U.S.C. 1692-1692p 15 U.S.C. 1681-1681x

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

Complaint:
I was w/ Wells Fargo and might have been charge an over draft fees that Im unaware of

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 2022-04-15
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. (TX)

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2020-12-21
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. (CA)

Complaint:
I disputed an incorrect late payment with the bureaus on XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. On XX/XX/2020 I submitted a 2nd dispute to the bureaus requesting again that they complete an investigation and notify me of the responses. I do not feel that I was ever a full 30 days late on this account and my personal records do not indicate this either. There are also numerous of inquiries that I did not authorize that are on my credit report ; you can clearly see that an account had not been opened and these need to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CA)

Complaint:
Paypal is with holding funds for products that have been sold stating that they are outside of my normal scope of business. 8 transactions for a total of XXXX starting XX/XX/XXXX and going to XX/XX/XXXX so far. From XX/XX/XXXX to XX/XX/XXXX I did XXXX worth of business selling the same products but no hold. There are several weeks just like this going back on and off over 3 years with no hold. Since all these items are sold on XXXX, I contacted them to make sure they had no issue with any of these transactions. Every one of these transactions are cleared with XXXX and are in Funds Status Available. The reasons for the holds being placed by Paypal are directly refuted by my own account with them. The online conversations I've had with them show repeated dishonesty and lack of desire to resolve my issues or explain there actions. I have copies of the conversations. They may have good reason to be with holding money from me, however, the ones being supplied by them to explain there actions are directly refuted by my account. They have no subpoena or government request, so, by my understanding of the law, have no right to with hold money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
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:
In accordance with the fair credit reporting act XXXX account # XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX. XXXX XXXX account # XXXX. 
XXXX account # XXXX. XXXX account # XXXX. 
XXXX account # XXXX. has violated my rights. 
15 usc 1681 section 602a stats i have right to privacy 15 usc 1681 section 604a section 2 stats consumer reporting agency can not furnish accounts 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 2015-08-24
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (AZ)

Complaint:
The collection agency has placed a judgement against me and on my credit report, the person owing the debt is not me. The collection agency has the wrong person, the person they need to contact my son. The collection agency should have done a more through background check and failed to realize their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
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: EQUIFAX, INC. (MD)

Complaint:
N accordnace with the fair credit reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 States that a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (PA)

Complaint:
my name is XXXX XXXX my daughter name is XXXX XXXX we had the same name into i was married my daughter have accounts that are on my credit file I asked the credit bureau to block these account and a investigation to be done these bureau refuse to do a investigation. I am a victim of identity theft and new account are still inserted on my credit file I haven't applied for a new account in three years but i still have new inquiries as well as new accounts please STOP this and hold these credit reporting agencies accountable.

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 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (VA)

Complaint:
When my IBR was due for its initial review in 2013, I had been receiving emails through XXXX. I did not receive an email notifying that I needed to recertify my loan. The only warning I received noting my IBR expired was a large automatic withdrawal from my bank account. When I called the company, they told me to check my junk mail. When I did, I saw a solitary email noting that my IBR was up for renewal. This was the first time I had to do this process. They told me it was my fault and they would not uncapitalize the {$11000.00} that had been placed on my loan. Since then, I only receive paper statements. I feel tricked. I received an email every month stating how much money I had to pay, but did not receive the big email that was work {$11000.00} of capital? No warnings or anything. Then they did not work with me. I heard from one of my internmates this happened to her too, but when I saw the news reports I realized this may have been less of an email mistake and more of a calculated issue. I wonder how many other people had their loans capitalize on them effectively putting them further in the hole.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

Complaint:
Called EdFinancial about student loan refund on XX/XX/2022. 
EdFinancial said they would submit request for refund but would not provide confirmation email or timeline for when refund would be made to my checking account. 
I am not happy with lack of support from EdFinancial and unwillingness to provide confirmation of refund request and timeline to when i would receive refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

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 2023-06-08
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: Zions Debt Holdings (CA)

Complaint:
ZIONS DEBT HOLDINGS submitted a collections to my account. I asked them to provide proof that the debt was correct because this had been previously submitted by XXXX XXXX back in XXXX. XXXX sent me a contract that I signed in XXXX for 3 years. They said that XXXX has XXXX that my account was on contract until XXXX and that my contract was valid. I told them that I cancelled that contract on XX/XX/XXXX and they said to provide proof. At the time I did not have access to my records. I have requested additional proof, but not received anything except text messages saying they will remove this from my credit report if I pay {$300.00}. I contacted XXXX / XXXX, but they have not provided me with any requested records though they emailed me saying that the last know payment was in XXXX. ( I will attach email. ) I submitted a dispute resolution with XXXX 2 times. I submitted the documentation from XXXX XXXX XXXX with everything they sent me including the billing summary showing that my account went initially delinquent on XX/XX/XXXX. Thus the account is over 7 years since it was current. XXXX said that they researched the case and found to be valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
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: Experian Information Solutions Inc. (IL)

Complaint:
I called Experian Information Solutions , Inc. about the deletion of unauthorized hard inquiries on my consumer report in XX/XX/XXXX. They directed me to call the creditors to have them request that the inquiries be removed from my consumer report. I called the creditors but was not able to reach anyone that could help me. 

On XX/XX/XXXX, I sent XXXX letters to Experian Information Solutions , Inc. at XXXX XXXX XXXX XXXX, TX XXXX to demand deletion of each inquiry reported on my consumer report where my consumer report was obtained without my authorization or permissible purpose under the FCRA. I requested the following inquiries be deleted ( letters attached ) : 1. XX/XX/XXXX, XXXX XXXX 2. XX/XX/XXXX, XXXX XXXX 3. XX/XX/XXXX, XXXX XXXX 4. XX/XX/XXXX, XXXX XXXX 5. XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX 6. XX/XX/XXXX, XXXX XXXX XXXX XXXX 7. XX/XX/XXXX, XXXX XXXX XXXX Experian Information Solutions , Inc. has not adhered to my request to promptly delete the unauthorized inquiry or if they conclude that the inquiry listed is verified, I request details of their method of verification.

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 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Complaint:
I am a victim of identity theft ... I have supplied the credit bureau and creditor with the proof that I was never late and made all payments on time and the credit bureau and creditors refuse to remove the late payment which is a voilation 15 U.S. Code 1681i FCRA XXXX  XXXX with late payments to re appear on my credit report causing me personal injury. 
I have send multiple certified mail receipts on this matter over the course of the last 2 years. XXXX XXXX, XX/XX/2020, 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 2019-07-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

Complaint:
I receive an alert from XXXX XXXX that my information was found on dark web upon reviewing my credit report, I saw an account that I have no know knowledge, I reached out to the company listed and haven't received any info or verification of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (FL)

Complaint:
This company National Revovery Agency is trying to collect a debt that they claim that I oue them in the amount of XXXX and are reporting such debt to my credit reports, also the debt they they say I oue them is not legally collectible because the statute of limitations on this claimed debt has expired in my state of Florida, I called them and spoke with them back in XXXX and they told me that they can still collect on this so called debt I oue them and report it still on my credit reports even past the legal statute of limitation for collection efforts I dont know this company and according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. And according to 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, Ive never given them consent to that nor have I ever done business with 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