hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint:
Today XX/XX/2020 I was made aware of a few accounts on my credit report that do not belong to me. The accounts are from these companies XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX  XXXX. I have never opened an account with any of these companies nor did I benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit nor did I ever make any payment towards these accounts. I do not have any written/verbal contract with these companies and I never allowed them to run my credit. I don't know who is responsible for opening these accounts without my authorization but I have already filed a police report in hopes of getting my name & credit reputation cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint:
I have disputed the information through XXXX XXXX in XXXX of XXXX is order for this information to be removed from my credit report. I have contacted a credit counseling agency and they will send letters to the credit bureaus to remove the information from my credit report. Basically someone has used my social security number to obtain student loans in my name. I was XXXX from XX/XX/XXXX through XX/XX/XXXX. I did not graduate from high school therefore I do not qualify for student loans and I have never attended a college or university.

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 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: MI

Complaint:
On XX/XX/2021, I received a credit monitoring alert that a hard inquiry hit my credit report from Comenity Capital /IDD . I immediately called them to inform them I had not applied for credit with them, that the credit application was fraudulent, and that I wanted to make sure a line of credit had not been open with them in my name. After speaking with a customer service representative, they informed me they would investigate it and have it removed. However, it is now XX/XX/2021, more than 30 days ago, and the information is still on my credit report under Hard Inquiries. 

I was not notified about the investigation status. Their investigation did not fix the error on my credit report, and it has taken longer than 30 days. According to the FCRA, this is a violation. 

I have made an attempt to dispute this fraudulent inquiry with XXXX on XX/XX/2021 and they responded with the dispute results as of XX/XX/2021 that " : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' However, this inquiry is NOT factual and I'd like it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF INQURIES 
ON MY REPORT. THE COMPANY IS IN VIOLATION OF:
15 USC 1681 (a)(k)(iii)
15 USC 1681 (b)
15 USC 1681 (b)(a)(2)
15 USC 1681 (2)(a)
15 USC 1681 (c)(2)

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 2018-07-07
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint:
Due to hardship, financial situations and a XXXX  in the family it shows that I have a late payment for Kohls. I dont recall having a late payment. Im trying to remove the late payment from my credit. I have been on time with every payment making double payments or more and I still cant get an increase with Kohls. Please remove the late payment from my credit report so I can move forward. Ive tried writing letters and even cool down but still cant get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: UT

Complaint:
I applied for mortgage payment modification XX/XX/XXXX, received notification for trial modified payments starting XX/XX/XXXX for four months trial, paid modified payment all four months on time or early. Modification not completed and told each month to just keep making the modified payments, nothing more for me to do.I received a letter XX/XX/XXXX stating that I would be notified within 30 days or less of approval or denial. Long story short ... all required modified payments paid and accepted until the modification was denied XX/XX/XXXX ( year later ) I paid the required and accepted modified payments from XX/XX/XXXX to XX/XX/XXXX, on time or early each month. It was no of fault of mine that the modification did not go through and the negligent practice of the mortgage company kept the process going for over a year before being denied then reporting my credit as behind the whole year. I have been unable to refinance the mortgage because of this report, even though I was required and paid back all of the differences in the payment vs the modified payments for that year. I was reported as late or missing payments for the whole year of XX/XX/XXXX-XX/XX/XXXX and that is not accurate information, I paid the required and accepted payments each and every month, without being late or missing any payments.

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 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint:
I have multiple hard inquiries on my Transunion credit report that I did not authorize. Hard inquiries from the following companies and dates : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. I have contacted Transunion on several occassions for assistance with the removal of these inquiries, last of those attempts being today. I have also contacted the companies reporting these inquiries and have been told they have no record or to contact Transunion because they are reporting. Today I spoke with XXXX XXXX and was told " Transunion only maintains credit report hard inquiries and are a statement of FACT. The creditors have accessed my file ststing they have permissable purpose to do so ''. How is this factual when I the consumer state I DID NOT AUTHORIZE THEM. My back is to the wall at this point, I am only one person and can not seem to get assistance. I have contacted Transunion XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and 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 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint:
experian opened up my dispute for XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX experian received letter via upload almost a month ago the 30 day mark is near and they are now stating XX/XX/2021 for a resolution. this is a clear violation

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 2018-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint:
XXXX/XXXX Date : XX/XX/2018 Inquiry Type : Unknown - Credit Extension, Review, Or Collection I did not authorize this inquiry

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 2022-03-03
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize
Company: Advantage Credit, Inc.
State: MI

Complaint:
The credit bureaus needs to fix this issue about the inaccurate information for the inquiry. 
ADVANTAGE CREDIT INC being reported on my account The inquiry posted should not be on my report because I have neither inquired nor reached out to anyone. The inquiry was pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to the Credit Bureaus and to the company for them to investigate. Failure to comply with the request should be an automatic removal of the disputed inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint:
On XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate late payment listed on my credit reports for XX/XX/XXXX regarding Wells Fargo Bank, account number XXXX, by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and XXXX. USPS verified that all my requests were received. To date, I have not received any compliance/information/proof or verification method to my requests within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my XXXX XXXX record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit 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

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 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away
Company: Early Warning Services, LLC
State: TX

Complaint:
Hello, on XX/XX/XXXX, I opened a bank account with XXXXXXXX XXXX. They had a XXXX Zelle Registration policy, so by XX/XX/XXXX, I registered with Zelle and used Zelle to transfer between parents and lawn man. It is usually used when parents need money the majority of the time as it is quicker and doesnt have to be home to go and withdraw as I travel for work constantly. So, being able to send them when out at work is convenient. I have been using XXXX XXXX without any issues with this service but when XXXX XXXX had a cashback card, and better savings went with them. But on Late XX/XX/XXXX, Dad tried to send me money and had issues receiving the money. Ive tried contacting both Zelle and XXXX XXXX and unlinking Zelle from XXXX XXXX and still the same issue. The issue is that XXXXXXXX XXXX has flagged other accounts on those that have opened up Zelle after XX/XX/XXXX, because of a new user agreement, even though the one that was agreed upon was different and attached. I havent done anything different than on my XXXX XXXX account. The freeze on my phone and email have yet to be released even though I am confirmed that it is removed from XXXX XXXX  and be able to be added to my previous bank account. XXXX XXXX  says that should not be any issue that I have caused and all within the agreement, and Zelle wont say much about why. I tried asking XXXX XXXX, and they say they dont see what and that it is blocked. I am currently talking to XXXX XXXX  to cancel the account and have been trying to get Zelle back to XXXX XXXX as they dont seem to cause issues when using the account, but because of XXXX XXXX has not provided the reason why I can search and see but I don't see why when nothing has changed except bank accounts. Not sure if having dad and me having the same name is causing issues as well but should not as we go by a bit differently to avoid situations. I have attached screenshots of the chat from XXXXXXXX XXXX After researching found that Zelle is Early Warning Services , LLC, so hope they do provide the necessary response and solution to this issue and stay within the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint:
Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account XXXX XXXX Creditor : XXXX/DEPT OF ED- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : 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 2021-01-12
Product: Debt collection 
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay
Company: Convergent Resources, Inc.
State: MD

Complaint:
Convergent Outsourcing, Inc sent me a letter on XX/XX/XXXX stating that I owe a debt in the amount of {$16000.00} to XX/XX/XXXX, XXXX. They also state that they are willing to reduce the amount by 35 % to {$5.00}, XXXX. ACCOUNT NUMBER : XXXX. The letter doesn't not include enough information about this debt. I've never heard of XXXX XXXX, XXXX. Original creditor XXXX XXXX XXXX XXXX. I am filing a dispute about the debt they are trying to collect. They contacted me by mail, on XX/XX/XXXX and identified the debt as XXXX XXXX, XXXX. I don't not owe this debt. I've called several times and someone repeatedly hangs up the phone. I've researched both companies and no additional identifiable information is available. 

This is the second time this fraudulent company has tried to accuse me of a debt I do not owe. Similar debt with different amounts from a different creditor. See my previous complaint I filed in XX/XX/XXXX. This needs to stop. 

Please stop sending me fraudulent letter claiming I owe debt. LEAVE ME ALONE LIARS. 

Hide full complaint

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 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint:
I submitted XXXX disputes and none of the false account on my credit report have beeen removed ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Tags: Servicemember

Complaint:
This 12 inquired I dont recognize report fraudulent run my credit 1 ) XXXX XXXX,, 2 ) XXXX, 3 ), XXXX XXXX XXXX XXXXXXXX XXXX, 4 ) XXXX XXXXXXXXXXXX XXXX, 5 ) XXXX 6 ) XXXX XXXX, 7 ) XXXX XXXX XXXXXXXX XXXX, 8 ) XXXX XXXX XXXX 9 ) XXXX, XXXX XXXX, 10 ) XXXX,, 11 ) XXXX XXXX XXXX 12 ) XXXX XXXXXXXX

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