hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-07-11
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.

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
Hello, This is my second complaint regarding this matter. Initially the original report was filed with XXXX XXXX being the Primary Person in charge of the errors. However, the Credit Bureaus ( Specially Experian ) have REFUSED to do a thorough investigation and DELETE the late payments from my report. XXXX has been more cooperative, but we still don't this issue taken care of. I've also let the Bureaus know that they are reporting the wrong loan balance and that still hasn't been corrected either. I've enclosed a copy of that information as well. 

NONE OF THOSE LATE PAYMENTS ON MY CREDIT REPORT ARE ACCURATE. I've been paying them over {$500.00} on time every single month and they have continued to ruin my credit. THAT ISN'T RIGHT AND THEY NEED TO BE HELD ACCOUNTABLE IMMEDIATLEY. 

In the Meantime, My entire life has been on HOLD. I haven't been able to apply for new credit. I was initially denied the SBA Loan for my Business, Im also a XXXX XXXX XXXX XXXX that is required to have a trust worthy credit history in order to write policies with carriers for Insurance Clients. My health has also been affected, my XXXX XXXX won't come down and my anxiety is at an all-time high. My doctors are overly concerned about me and so am I. 

XXXX XXXX has confessed to making errors on my account verbally in addition to sending me a written email that also took accountability for the mistakes. i would like for Experian and XXXX to order the Tape Recordings of those calls. I have documents showing the dates and times for most of them. However, Ive disputed these items since XXXX of XXXX and here we are in XXXX of XXXX without a resolution. 

I'm not asking for any special treatment I just want my Credit Report to reflect the score and reputation that I've worked hard to obtain over the last 4 years. I've enclosed several documents for your review. 

BTW : Experian sent me a letter dated XXXX stating that they were NOT going to open another re-investigation for me but when they received the notification from your office, they did ANOTHER FAKE investigation that still didn't progress in a forward direction. I have enclosed a copy of the results page dated XXXX. It honestly does not make any sense and I am BEYOND frustrated right now.

I'm a Single Mother, Grandmother, Business Woman and Legacy Builder for my family. My Credit is important because it is the key that opens every door in our life. I have been patiently waiting for over 1 year to get this resolved and unfortunately none of these companies are willing to simply do the right thing. 

IMPORTANT NOTE : I HAVE SEVERAL OTHER DOCUMENTS IF NEEDED FOR YOUR REFERENCE.

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 2022-10-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/2020 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 non-monetary relief
Consumer complaint received 2016-01-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.

Complaint:
the creditor has approved to settle my account at 60 % of the {$150.00}. I pad them the {$94.00}. THATS THE 60 % .BUT THEY STILL SAYING THEY WHAT MORE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
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 — Their investigation did not fix an error on your report
Company: BUSEY BANK

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I've just received my credit report and noticed unauthorized items that is reporting to ALL 3 credit bureaus and it's hendering my chances of success during these rough times

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 2023-05-22
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: ENCORE CAPITAL GROUP INC.

Complaint:
I am a XXXX in the XXXX XXXX since XXXX. I have provided XXXX and Midland Credit with my ID 's showing I have been in XXXX and XXXX since XXXX with a permanent address in Maine. 

Midland Credit keeps reposting this bad credit, discovered during my security clearance check in XXXX. 

I am in jeopardy of losing my clearance and my job as a result of this incorrect posting if a charged off account that was never my account. I have nothing to do with the account which was opened by a third party. 

Please find my ID 's again showing I am here in XXXX now, since XXXX, and XXXX before that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the one going through it, unfortunately I was robbed at knifepoint while picking my dog up from doggycare and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, 2022 I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
This was to be removed from credit file due to the case being dismissed also courts has confirmed this should be removed.I even called on 3 way with the Bankruptcy courts on the line this should be deleted from credit public records file. <P/>Reference Number XXXX Date Filed Reported on XXXX XXXX, 2014 Classification Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT YHE FEDERAL TRADE COMMISSION THE INFORMATION ALOND WITH THIS IDENTITY THEFT AFFIDAVIT! I DEMAND THESE ITEMS GET REMOVE IF NOT I WILL PROCEED WITH GETING MY LAWYER INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.

Complaint:
On X/XX/2017 I went into the Chase Bank branch located at XXXX XXXX XXXX , XXXX, IN XXXX to open a Chase Ink credit card and accompanying Chase Total Business Checking account. At time of opening I provided a coupon which was mailed to me by Chase, offering a {$300.00} bonus for the opening of a Chase Total Business Checking account. When the bonus had not posted weeks later, I contacted the branch. This branch proves extremely difficult to reach, as they never answer the phone, and have no voicemail system. On the 11th attempt, my call was answered. I asked why the bonus would n't have posted, and was told that no coupon was attached to the account opening. After reaching a dead end with the banker I worked with, and the branch manager, I contacted Chase corporate. In so many words, they told me that the branch where the account was opened would have to remedy it, but that they were sure they would. I tried contacting the branch again, to no avail. A few days later, my personal banker assigned to me by Chase called me to check in and ask if there was anything I need assistance with. I told him about this issue I was having with the bonus not posting, and he promised to look into it. After doing some research, he called me back and informed me that he regrettably was unable to do anything on his end. At this point I escalated the dispute with Chase corporate, and received a call back from XXXX. She promised to look into the matter and to contact the branch on my behalf. After a few calls back and forth with XXXX, she informed me on XXXX that the branch was refusing the honor the coupon, claiming that I did not produce the coupon at time of opening, which is not accurate. I have a photo of the mailer I received and which I provided at time of account opening. The mailer clearly states the coupon code and bonus amount. I would be happy to email a copy of this photo to all concerned parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX is using my identity and saying i owe the 15 USC 1692e I never signed a contract in wet ink with them, true holder must provided original instrument if indebtedness in original form, XXXX has only produced billing statement, which when original opened in XXXX  i was 19, 15 usc 1637 states, No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of XXXX, deceptive forms ; XXXX is saying the are department of Ed, using their name on form when in fact these are 2 different businesses, there is over XXXX in alleged fees/on report over 15 years/7years limit, which hold a negative weight on my debt ratio, XXXX, XXXX, trans union are updating information without all fact/validity ; i ask that all accounts be removed because alleged contract is cancelled void null, lenders & associates must follow the law ; they have removed some accounts not all ; they are not reporting accurately to all 3 bureaus, because one inaccurate item has caused adverse action and knowingly causing harm to my livelihood, they have been reporting different information on all report i provide documents with total on all, not listing all required informations, i have lost a number of opportunities for growth because these inaccuracy

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 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX has erroneous/ false payment records they claim i was a customer of XXXX XXXX XXXX fromXX/XX/XXXX 
however the record only reflects 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 2021-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was recently in the hospital for major XXXX on my XXXX  a year ago. I just now have got back to work. I discovered that my credit file has over 72 inquires for transactions that were never authorized by me. I have only ALLY FINANCIAL as my only business dealings. I would never run my credit 72 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : 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

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 2018-04-30
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: CITIBANK, N.A.

Complaint:
Had a credit check done by Citibank Na/XXXX. I have had a home depot card for years there is no balance why would they do a hard check on me?

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 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 




Transunion Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX Trans Union XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX 's 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 Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/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 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Please provide me the documentation on how you verify that I am late for these 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 non-monetary relief
Consumer complaint received 2017-02-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.

Complaint:
afni debt collection company contacted me in XX/XX/XXXX about an XXXX bill that is not/never was mine, dated XX/XX/XXXX 

Appears to be a mail order for a telephone that was delivered to a person with the same first & last name as mine ( very common one ) @ a XXXX address. 

I have lived in different state since XX/XX/XXXX, during which time I have not had an XXXX acct. or purchased anything from XXXX. I so notified Afni, Inc. when I first heard from them, but just received another dunning notice. 

This temporarily affected my excellent credit rating w/ XXXX XXXX before I was even notified of this bogus charge, which is utterly unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
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.

Complaint:
Transunion has lowered my score 5 times in the month of XX/XX/XXXX over XXXX points i understand credit scoring but not on a weekly basis to continually lower my score without any changes to cause the score going down weekly. there are notations on my account about unathorized inquries. I am being discriminated against because i have filed complaints against them before based on eronius info put in my reports. I wnat this to stop!!!

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 2018-09-05
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: SYNCHRONY FINANCIAL

Complaint:
There is a hard inquiry on my XXXX credit report that I do not recall nor authorize the below company. Letters ( XX/XX/XXXX and XX/XX/XXXX ) were sent to the company attempting to get this removed. No response! 

Syncb/XXXX XXXX, FL 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 2022-09-03
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.

Complaint:
Hello, My name is XXXX XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new couch and these items wheny get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade Commission and I also have enclosed copies of the Federal Trade commissions identity Theft affidavit Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief