hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2020-06-19
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed
Company: ERC
State: TX

Complaint:
I am disputing the debt as reported by ENHANCED RECOVERY CO L for {$260.00} from XXXX XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents of proof have never been provided to me and the reason is, they do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint:
I already sent Debt Validation ( XXXX Letters ) dated XX/XX/2022 for the items listed under my account which is inaccurate and is giving a bad impact on my credit report. I also sent another letter for the method of validation. It's been more than 30 days and I haven't received any response.

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 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands 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 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint:
RE : BANKRUPTCY ACCOUNTS NOT IDENTIFIED To Whom It May Concern : I received a copy of my credit report and the items listed below were included in a bankruptcy identified on my credit report. Please Remove the bankruptcy from my report and provide a copy of my court ordered bankruptcy. Please tell my how you are verifying this item belongs to me. 
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Social Security # 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 2023-08-07
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
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: IL

Complaint:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2019-09-23
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Professional Finance Company, Inc.
State: NE

Complaint:
My name is XXXX XXXX, I am writing you because it has been brought to my attention that you are listed as the collection agency for an account I am not familiar with. This negative information is being reported to the credit bureaus and severely impacting my ability to purchase a home. 

The account you are attempting to collect is a school related debt and I did not attend any post secondary education during the time in which you are reporting the account as originating. So that means only a few things, either you have intentionally re aged this account to cause more damage to my credit report, the information you are reporting is inaccurate, or it does not belong to me. 

It is my strong concern that I may not actually be financially responsible for this debt.For my recordkeeping, please provide a copies of original statements showing how the balance was accrued. Additionally, please provide copies of the original contract showing that I am financially responsible for the debt. I am a previous victim of identity theft and have had my information compromised in a data breach. I would like to verify that the documents bare my actual signature and not a forged one. 

In relation to being a previous victim of fraud, I find it most concerning that your agency is not licensed to collect debt in the state of Nebraska, making your attempts and credit reporting illegal and punishable by fines and criminal penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
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: Kikoff Inc.
State: MA

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-10-14
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: OH

Complaint:
This has now happened to me twice and this issue more recently. 

Back in Year XXXX, I was looking to get a credit card for Emergencies ... My mom wasn't doing too well medical wise and was going to have to go out of town a lot to the XXXX XXXX and help out before coming back home to XXXX. My schedule very busy with work, keeping ontop of things or above things. One thing, I wanted a credit card and was looking into originally get a Discover Credit Card. 

I got home, paying bills and paid whatever came in the mail. I was paying on a bill but realized that I never received a card for Discover. 

I spoke to my banker and asked what was best thing for me to do because I did make contact to say it was not to me. He said to contact the XXXX  business and write up as fraud and see what happens. It was shown in fact it was fraud, that came off my name, off my security number, off my records but Discover has not left me alone and now has mailed me an Attorney Referral Pending. 

If I don't get back to them by XX/XX/XXXX. I am not sure what to do anymore and to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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: U.S. BANCORP
State: IL

Complaint:
I have XXXX inquiries on my XXXX report on XX/XX/2022 from the same company elan financial. I did not authorize this company to run my credit report twice on the same day. It makes no sense for a bank to run your credit report twice on the same day, I was told that the same information can be used for XXXX days,. I need these inquires removed as they are a mistake and are in violation of consumer reporting laws.

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: Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint:
Credit report showing an obvious error submitted by XXXX XXXX XXXX XXXX stating that I was sent to collections in XX/XX/XXXX. I called the Child support collection unit and they acknowledge this was an error as I was never late on any payment and even had a credit balance in which they mailed me a check in XX/XX/XXXX when my account was closed because my son turned XXXX in XX/XX/XXXX so there was no way I was sent to collections. In addition my payments were automatically made another fact I proved to Experian so there is no way I was late. The support collection department said that you only go to collections if you owe XXXX which Experian has it listed that I owed XXXX and was in collections making it even more obvious that this was an error. The people at the XXXX XXXX XXXX  said they advised Experian of the status of my account as not being in collection nor ever was it. Experian sided against me in the dispute even though I submitted sufficient evidence as well as them being told by the XXXX XXXX XXXX XXXX that I never had an issue. This in inexcusable behavior on their part.

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 2019-01-16
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: EQUIFAX, INC.
State: PA

Complaint:
Greetings I have initiated a dispute with EQUIFAX to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for EQUIFAX to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to EQUIFAX including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditors to validate this unauthorized inquiry belongs to me in which they have failed to prove.

Below are the reporting Inquiries that should be Removed / Deleted from my EQUIFAX credit report. Should you need any additional information please let me know.

Reporting Inquiries : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX - Date Filed : XX/XX/XXXX Should you need any additional information please let me know.Thank you for your assistance in resolving this matter.

Regards, XXXX XXXX XXXX  XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: ERC
State: GA
Tags: Servicemember

Complaint:
ERC continues to attempt to collect a debt that doesn't belong to me. I have already disputed this debt. They agreed to close it. Now I receive a letter stating that they have been authorized to report this account to the credit bureaus. They are playing around, this isn't my debt, and again, they keep saying that they have closed the account and they haven't. I am not paying a debt that doesn't belong to me. My next step will be to sue them for the max that the law allows if they do not close this account and stop trying to collect on an account that doesn't belong to me. This is NOT my debt. 

First they sent this to my parents house at the end of last year. I disputed it and they agreed to close the account. Now they are back at it. This is the last time that I will dispute this. I will hand it over to an attorney if I see this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2019-04-02
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint:
I got a call out of the blue saying that we were late on a payment. Called my wife and found out we were. So we paid two payments that month. Then a couple months late the same thing happened but we hadnt missed any payments. But in trying to keep late payments off my credit we paid two payments that month. Now this is the 3rd time this has happened and shows we are two payments behind still. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
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: EQUIFAX, INC.
State: CA

Complaint:
This company has been reporting negative information on a charged off account and I as a consumer is entitled to my privacy and fair credit consumer act says and also I ask them to verify the account, showing my signature for the account, and they have not sent anything with my signature about this account 15 U.S. CODE 1692 ( YOU HAVE A RIGHT TO PRIVACY ) 15 U.S. CODE 1692 ( C ) ( A ) - A DEBT COLLECTOR HAS TO HAVE YOUR CONSENT TO TEXT, CALL. OR EMAIL YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint:
I am writing to dispute the Mortgage Account XXXX, that was inherited by the Mr. Cooper Mortgage Company from the former NationStar Mortgage. The item I am disputing, My Mortgage Account status, is reflected on all three credit reports enclosed. 
On XX/XX/XXXX, I pulled my credit reports and saw that this item, after being advised by my realtor companys Legal Advisor : XXXX XXXX XXXX, Short Sale Coordinator of XXXX XXXX XXXX, P.C.,XXXX XXXXXXXX XXXX XXXX , XXXX , VA XXXX ( XXXX ) XXXX-direct, ( XXXX ) XXXX-efax, XXXX ; and the former NationStar Mortgage assigned Negotiator, XXXX XXXX ( XXXX ) XXXX, that my final documents received in connection with my closing, that my Mortgage loan was approved for forgiveness ( paragraph 2 of the approval letter ). ( which I have enclosed as well ). I have also included several correspondences with my attorneys the letter confirming my no longer dwelling in XXXX XXXX XXXX, XXXX, VA XXXX since XX/XX/XXXX and also paperwork confirms the successful short sale to a Ms. XXXX XXXX on XX/XX/XXXX. 
I am requesting that My Mortgage Account information be modify as the information is inaccurate and incomplete. As of XX/XX/XXXX, per the advisement of my Attorneys, realtor, and NationStar Mortgage, my home was successfully sold as a short sale, approved for the loan forgiveness, and through legal proceedings, made me no longer responsible for that mortgage due to the property being owned by another homeowner. Therefore, I am requesting that the Mortgage Account information be modified to reflect I have satisfied my obligation, and that all negative marks on my Credit be deleted in order to restore my credit into good standing. As of XX/XX/XXXX, I have contacted the Former NationStar Mortgage Company 's RESEARCH Department ( Now taken over by Mr. Cooper Mortgage Company ), I spoke to a XXXX XXXX ( XXXX who was most helpful and advised me to send my cover letter, documents and email to " XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX ... To Whom It May Concern : I have been paying for the XXXX credit cards with XXXX. It has come to my attention from the credit bureau that the credit reporting for the XXXX accounts is not proper. 1. There has not been any reporting on the credit card to the credit bureau from the time XXXX XXXX to XXXX XXXX. 2. There has been late payments reported on both the credit cards but the fact that there was automatic payments scheduled. I was even charged late payment fees on the credit card. 3. This is negatively reporting on my credit report and it is causing problem in getting a home loan for me and my family with XXXX kids. 4. I have always been diligently paying my bills and did report to XXXX about the incorrect reporting and no reporting but there has been no action taken so far. Please delete the negative entries of late payments from all the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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: Experian Information Solutions Inc.
State: KY

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands 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 2020-05-12
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: DISCOVER BANK
State: NC

Complaint:
I have been the victim of Identity theft due to several security breeches since XXXX there are now multiple companies including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discover Fin. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies are report information not belonging to me I have reported this to my local authorities as well as the FTC. I have filed multiple disputes with all three credit reporting agencies. This is causing a social and financial strain on my life

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint:
I file a dispute in regards to the in correct item on my credit report.Its been well over 30days and i havent recieve any investigation results.

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