hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-08-29
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:
My wife and I information was exposed in a credit bureau data breach and we recently noticed that there are multiple accounts on both our reports that do not belong to us. I have filed a police report, filed identity theft, and disputed them with all three credit bureaus and they have not done anything about it. This has caused my credit to be in despair and I should not have to pay for something I never authorized or opened myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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.

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
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.

Complaint:
It has take said company more than 60 days to respond to prior complaints they arent reading the complaints they are using a system generated AI platform which the systems is deems it correct information. the XXXX XXXX XXXX I have asked the company to stop calling me to seized all contact me back XXXX. However, I am still receiving threating alerts from the credit card companys credit alert. Stating my credit score has gone done. even though they have charge off the account and written it off as a tax right out. This has caused me great stress health issues. I have called the XXXX XXXX was told the card was reopen and cancelled again XX/XX/XXXX previously it closed in XXXX. Account has been charged off and is a violation of my rights. 15 U.S C 1681 section 602 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 account without my written instructions 15 U.S C 1692C. Without the prior Consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The Credit reporting agency is showing incorrect information account has been closed and charged off but is showing a late payment status of XX/XX/XXXX this is false information. Name on the card is incorrect. My Name is XXXX XXXX XXXX not XXXX XXXX XXXX this is a violation of my rights and is inaccurate if this account is not removed, I will seek legal action against XXXX XXXX and XXXX for misleading information 15 U.S. Code 1692c - Communication in connection with debt collection. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
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.

Complaint:
I saw discrepencies in my credit report and asked the credit bureaus to please remove the inaccurate items, nevertheless, it's been over 40 days and the items still havent been removed and I have not received any results from the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.

Complaint:
My husband and I applied for a mortgage with XXXX XXXX XXXX XXXX XXXX XX/XX/2022. On the same day, our credit report was pulled with our permission. 

However, on XX/XX/2022, XXXX XXXX pulled our credit again WITHOUT our consent or awareness. The XXXX XXXX lender admitted to this error and agreed that it was an unauthorized pull. We were informed that they submitted a request to remove this hard inquiry on XX/XX/2022. Upon further investigation, we learned that they did not submit this request until we continued to follow-up and complain about their lack of response on XX/XX/2022 ( XXXX reference XXXX XXXX ). However, they only submitted it to Equifax ( not XXXX or XXXX ), and only for me, not for my husband. 

To date, and thanks to our own action, XXXX and Equifax have removed it from my credit history, but neither have removed it from not my husband 's. XXXX has not removed it from either of our credit histories. 

We are requesting that XXXX XXXX XXXX XXXX perform their due diligence in resolving their mistake and request removal of this hard inquiry pull from all three credit bureaus for BOTH my husband and me. 

Attached is the email communications with the XXXX representative admitting that this was in fact an UNAUTHORIZED hard inquiry pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Transunion did not do a thorough investigation. Further harm and endangerment to my child and myself as protected members under the ADA

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 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 non-monetary relief
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: In progress
Consumer complaint received 2022-11-19
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:
I sent a letter on XX/XX/22 to XXXX and TransUnion to remove an erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX CO XXXX Balance XXXX {$770.00}

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 2020-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.

Complaint:
I don't own this debt nor do I know what this debt comes from. I haven't come into any financial obligations with IC SYSTEM. I dont have any contracts or debts with IC SYSTEM

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 2018-04-04
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: Kross, Lieberman & Stone, Inc.

Complaint:
This company is reporting information on my credit reports however they are not legally permitted to collect in my state because they are not bonded in Texas. I currently live in Texas and have always resided in Texas. I have checked the website of my secretary of State with the information they provided on my credit report. My search concluded that THEY ARE NOT BONDED in my state. Not only that, I have sent several 609 letters asking for them to " Verify '' the information that they are reporting because these debts are not mine and doesn't belong to me. They have yet to provide adequate proof and still reports on my credit. Please note the following information pertaining to the debt collector including their address, Bond number, Amount they are reporting and date they reported : 1 ) Kross Lieberman & Stone Inc XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Bond number XXXX AMOUNT reporting {$1400.00}

Company response to consumer: Untimely response
Consumer complaint received 2021-01-13
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:
I dont believe that two accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 
Also, I am requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, and for the ones I recognize, I dont believe I owe as much as it says I do, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2023-05-18
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:
I sent a letter last XX/XX/XXXX, to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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  Balance : $ XXXX XXXX Balance : {$2200.00} XXXX XXXX  XXXX Balance : {$4100.00} CHILD SUPPORT ENFORCEM XXXX Balance : {$6500.00} XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$360.00} 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 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.Q. DATA INTERNATIONAL, INC.

Complaint:
IQ DATA INT'L INC # XXXX****IQ Data International Failure to Validate Disputed Debt ... XXXX consumer iq-data-international-fail ... 
XX/XX/2017 - According to the complaint, IQ Data has violated the Fair Debt Collection Practices Act ( FDCPA ) in a number of ways, including the following : Falsely representing the character, amount, or legal status of XXXX 's debt. Communicating, or threatening to communicate, false credit information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Ive submitted disputes to both transunion and XXXX on XX/XX/XXXX for Account number XXXX I have been told that the account has been verified. However the information sent by the debt collector is outdated. The Proof of validation that was sent to me was an expired lease signed in XXXX. The lease terms clearly state the initial lease beginning XX/XX/XXXX to XX/XX/XXXX. The dates for the charges sent by the debt collector show a notice given date and move out date of XX/XX/XXXX. the debt collector has failed on multiple occasions to appropriately provide proof to validate the collection. This inaccuracy has plagued my credit for XXXX years and after multiple disputes the bureaus refuse to properly investigate my claims.

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 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
LOOKING OVER MY CREDIT FILES TODAY AND I SEE ACCOUNT THAT I HAVE NEVER RECALLED DOING BUSINESS WITH THESE COMPANIES. I HAVE SOME ADDRESS ON MY FILE THAT DO NOT BELONG TO ME. 
THE FOLLOWING ACCOUNTS ARE NOT MINE : 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 I have filed a Police report and a FTC ID Theft Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CORELOGIC INC

Complaint:
I understand that companies can obtain results of credit, criminal and background check instantly with the applicant 's permission. However, when there is incorrect reporting causing the applicant adverse effects they in return must wait up 30-45 days for a decision or correction by companies equipped to respond sooner than the specified time or 30-45 days, what is the reasoning behind this concept? In the age of technology when most companies are tech savvy or have their daily functions automated with various template options why does it take the consumer to whom the report is about longer than the 3rd party for a solution? 

With regards to the dispute of an incorrect item being reported, why are companies allowed to dissect the protected rights of the consumer applicant? According to the FCRA upon a dispute of an incorrect item, this account line must be removed until a decision is rendered to be accurate or inaccurate, however, that is not whats happening. In fact, what is being stated is that it will remain on the report but no adverse action will take effect until the investigation is complete? If companies are allowed to render their own interpretation of the law, how do I remove my credit history and opt out of credit reporting all together? The law is supposed to be a protection for both parties and in fact, it has taken a favorable tilt, rather deep dip towards corporations. There is no fairness in that. 

Companies must be penalized for reporting inaccurately and the severity should be weighed on the duration of time it takes for companies to accurately correct or report appropriately ; just as a consumer is penalized for not honoring their end of the agreement. Both sides should equally be held accountable equally.

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 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
ON XX/XX/21 I submitted a dispute with the 3 bureaus and I have yet to receive a notice of the investigation. I really need this matter resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I have been disputing fraudulent reporting on my credit report with XXXX accounts and XXXX different credit report agencies. XXXX and XXXX. The accounts have not been validated or verified according to the laws that were cited. They refuse to remove them and the creditors also have failed to validate and verify the accounts. They can verify them but the validity of the debt has not been proven.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
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.

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you update and delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
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.

Complaint:
Good day, thank you for taking the time to solve my complaint. 

On XX/XX/21 I sent a letter inquiring about incorrect and unknown events on my credit report. As i am writing this more than 60 days later, I have not been contacted or received a response. This is extremely frustrating because I have went through the proper channels to report this error in hopes of fixing it but that has failed me. My disputes are being ignored which is intolerable now at this post 60 days mark. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it will soon be almost 90 days to the date of my letter submissions so I am begging that these be deleted immediately. This is having a negative effect on my quest for a new home for me and my children. These accounts need to be promptly deleted or I will immediately file for litigation due to the emotional toll and stress this has caused me and my family during our new home search. I have also been informed that my information was impacted by the Equifax data breach and could be in the hands of the wrong person which is where the unwanted reports on my credit file came from.

Company response to consumer: Closed with explanation