hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Factor Trust

Complaint:
Was told this company reporting Credit background information on me. Company called FACTORTRUST.com. When i contacted them and discovered, old information 5plus years, accounts i have never heard of, derogatory information ( false information on me ), and my XXXX XXXX  discharge in 2020 removes any creditor information. This company refuses to update, report accurately, remove information that negatively affects me that's inaccurate or false. After contact and verifying my identity, the company responded to my requests as follows " Good Morning, We are in receipt of your dispute and have started the investigation process. Please provide us proof and back up supporting your claims, including a copy of a valid police report or an identity theft affidavit for any fraud related dispute items with corresponding dates. This supporting documentation can be mailed in to us. If you have any questions or concerns, please give us a call at ( XXXX ) XXXX. 
Thanks, Consumer Support FactorTrust, Inc. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX I verified who i am but the excuse to remove this information and yet report to companies such as XXXX has negatively impacted me. I have never received any report of any information from this consumer reporting agency associated with XXXX. I have had similar problems with XXXX. This company refuses to follow consumer guidelines and refuses to update or remove invalid information that is 5-10 plus years old that dishonest, out of date, or simply false and requested proof of such accounts but they are making ME get a report of identity theft to remove this information THEY are reporting without a Registration to the Consumer Financial Protection Bureau .

They have never showed up on any report until now and have been giving false information on me.

I have requested the proper information be updated and removed and they have refused under the guise they have to have ME do an identity theft report in the middle of buying a house. They are reporting on consumers without notifying consumers they are doing so and have old, outdated or false information they have no investigated or accurately reported on consumers and therefore breaking the law and hurting consumers by negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc.

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has 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 a account without my written instructions The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;

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 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint:
In XX/XX/XXXX, I opened a new checking acct at Chase Bank located at XXXXXXXX XXXX XXXXXXXX XXXX in XXXX XXXX, CA. On XX/XX/XXXX, I made two check deposits via mobile app to my Chase checking account. One was a cashiers check in the amt of {$2300.00} from XXXX XXXX XXXX XXXX XXXX and the other was a personal check from XXXX XXXX in the amt of {$1200.00}. A few days later, I noticed a message on my Chase checking acct indicating these funds would not be available until XX/XX/XXXX. I called the Chase branch at XXXXXXXX XXXX XXXXXXXX XXXX to inquire about the unusual delay in accessing my funds. The teller by the name of XXXX saw that my checking account was marked as 'restricted ' but was unclear as to why this was happening. I've since made several calls to the XXXX XXXX / Account Closures call center for Chase and visited numerous Chase branches to try to resolve this issue. By XX/XX/XXXX, I learned my Chase checking account had been closed. On XX/XX/XXXX, a banker at the Chase branch located at XXXX XXXX XXXX in XXXX XXXXXXXX, CA informed me that my funds have been mailed to me and would arrive shortly via USPS. By XX/XX/XXXX, I was still missing {$3500.00} and again reached out to the bankers at XXXXXXXX XXXX XXXXXXXX XXXX, where I initially opened my account. After countless hours on the phone and speaking to Chase bankers in person, I finally received a check for {$2300.00} on XX/XX/XXXX. After filing a complaint w/ the Office of the Comptroller of the Currency , I also received a call from the Chase executive office. As of today, XX/XX/XXXX, I am still missing {$1200.00} and the Chase executive I last spoke to said the {$1200.00} was still 'processing '. There has been no explanation for the extreme delay in verifying the two checks or the account closure or the delay in returning my money to me. There has been no recognition of the hardship one faces when missing thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I have repeated dispute XXXX XXXX inaccurate information that's on my credit report and Experian has repeated refused to correct my credit report despite evidence that the information could not be true. The last disputed result on XXXX shows the inaccurate information remains. Experian can not substantial that result with the evidence I provided and again include here. Specifically, on XX/XX/2016 when XXXX XXXX reported my account charged off for nonpayment, my account was current and all past due payments had been paid prior to that time as evidence from my Bank statements from which XXXX XXXX electronically withdrew the funds. Only Experian appears to be able to " validate '' the accuracy of this reported information, not even XXXX XXXX has been able to do so before this XXXX. I filed a complaint with this Bureau and after months and many extension of time, XXXX XXXX is unable to verify and attest to the accuracy of the information they provided to the credit reporting agencies. This Bureau is still awaiting a response from XXXX XXXX. 
>>>>>>>>> Similarly, the other credit bureaus were unable to validate the information received from XXXX XXXX and their investigation led to the deletion of the inaccurate information from my credit report. They were provided with the same evidence that Experian received and which I will once again attach here.

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 2020-01-06
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 two collection accounts showing on my reports that aren't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
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:
There are multiple Accounts on my credit report that do not belong to me I have not opened these accounts I have not signed or approved these accounts. I have tried to reach out to the bureaus as well as the furnishers but they are not helping me they are not opening an identity theft report for these accounts I need help to get these unknown accounts off my credit report it is affecting me personally and emotionally. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX INQUIRY Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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:
Please provide original copies of the contract with my signature on them, the same you utilized at the time of reporting these items and these alleged obligations on my consumer report. 

Please see attached.

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 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CBC Companies, Inc.

Complaint:
Trying to get my free report from AmRent with no success. I sent the email asking for a free report and they replied via email and said theyll only work with me via phone, fax ( fax?! ), or physical mail. Tried to call the number and the reps have absolutely no idea what to do or where to transfer me. Saying they have compliance and privacy departments but no way to transfer to them. Just had the same issue with both AmRent and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against FRANKLIN COLLECTION. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.

Complaint:
To my understanding, the COVID-19 0 % interest applied to all loans held by Dept of Ed . XXXX has charged me interest on the payments I received refunds for. The full original balance is XXXX. I was refunded {$3500.00}. The account is showing interest owed for the refunded amounts for a total of XXXX. This is abusive action taken by my loan servicer. 

All of these loan servicers need to be corrected and held accountable. They are quite literally breaking the law, which mandated 0 % interest between XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint:
CFPB + Experian, On my XX/XX/2022 I noticed there is an address on my Experian credit report that is not mine - please have that removed asap. 

attached to this complaint are : - my drivers license - my social security number- my address- my letter - screenshot of address where its located Please have this wrong address removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GREAT LAKES

Complaint:
XXXX and XXXX has failed to prove its client the US Department of Education case. On XX/XX/XXXX, I reported a " well known '' Conduit for Identity theft and Fraud to the OIG of the US Department of Education. This website was www.pin.ed.gov. This Website allowed essential anyone with anybodies SSN, Date of Birth, and address to obtain a PIN ( Personal Identification Number ) This website not only failed to authenticate or verify by 2 part authentication the person behind a keyboard and monitor. It further was identified by the US Department of Education as a " Well Known '' Conduit since XXXX, according to the redacted report sent to my Virginia XXXX District Congressman. After my Letter to the OIG, explaining that this very Website caused me to become victimized of identity theft and a XXXX Federal Student Loan created illegally and without my knowledge or any signature. It was shut down on XX/XX/XXXX. XXXX and XXXX has been advised numerous times regarding this matter. In fact they have failed to produce any validity to this collection harrassment. They will deny they are required by law to prove that you applied for and signed for and actually receive money, which I did NOT receive a penny of money from the Department of Education or anyone else. This is identity theft and Fraud and needs to be removed from my credit file. In fact the redacted report sent to Congress confirmed that over 874 million in fraudulent loans was created by this very website in XXXX, so I'm not the ONLY Victim here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL

Complaint:
They past few month I have received a statement in the mail or online or or by phone communication for the debt. I recently moved and had all my mail forwarded. I also do not have consistent work right now due to some changes in income and a medical condition. The only way I found out I had fell behind was because they reported it on my credit report. I didnt get a call trying to collect the debt or any letters in the mail about the balance like a company normally does.

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 2019-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL

Complaint:
Card : Care Credit/Synchrony Bank I received the card offered by my XXXX XXXX office. I was making payments over the min balance when I noticed that the balance was not decreasing as it should have. I called CC and was told about the interest of {$220.00} and another interest of {$790.00} due in XXXX. I would not have known about this if I hadnt called about the balance.

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 monetary relief
Consumer complaint received 2023-01-21
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: Fidelity National Information Services, Inc. (FNIS)

Complaint:
remove fraudulent / unauthorized inquiries from XXXX XXXX XXXX XXXX on XX/XX/2021, XX/XX/2021, XX/XX/2021 off my report with monetary relief for damaging credit score. Or provide proof in writing within 30 days. This is not the last four of my driver license 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 2020-02-16
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
The Following is a list of Creditors that obtained my Personal Credit information and conducted an inquiry to the major credit bureaus. 

The date are all listed and how many times the requested my information in turn producing an inquiry, In XXXX I sent a request to all creditors asking for verification due to multiple fraud alerts on all three major credit bureaus. As of XX/XX/XXXX approximately 120 days I have yet to receive verification of the multiple a credit inquires. 
All Three Credit Agencies XXXX, XXXX  and XXXX  have reported these creditors as causing an inquiry. Since I have not yet obtained verification I would like the creditors to remove their Inquires in a sufficient amount of time or provide, My signature and proper  identification that it was me that requested the information. 

The following is just from XXXX  report XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 7 Inquires to XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 7 inquires to XXXX  XXXX - XX/XX/XXXX -1 to XXXX Cap One -  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 11 inquires to XXXX  XXXX - XX/XX/XXXX -1 Inquiry to XXXX  XXXX   XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 3 Inquires to XXXX   XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 3 inquires to XXXX   XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 7 inquires to XXXX  XXXX XXXX  - XX/XX/XXXX -1 inquiry to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 3 inquires to XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - 2 inquires to XXXX  XXXX XXXX - XX/XX/XXXX 1 inquiry to XXXX   XXXX XXXX - XXXX1 inquiry to XXXX XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX  - XX/XX/XXXX - 1 inquiry to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
In accordance with the fair credit reporting act The following 3 Consumers Listed below Have Violated my Rights under the following laws listed below 15 U.S.C 1681 section 602 A. States I Have A Right To Privacy. 15 U.S.C 1681 Section 604 A Section 2 Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions ( 1 ) XXXX XXXX Account # XXXX ( 2 ) XXXX XXXX Account # XXXX ( 3 ) XXXX XXXX XXXX Account # XXXX ( 4 ) XXXX XXXX XXXX # XXXX ( 5 ) XXXX XXXX XXXX XXXX XXXX # XXXX ( 6 ) XXXX  XXXX XXXX XXXX # XXXX ( 7 ) XXXX/DEPT OF EDUCATION ACCOUNT # XXXX ( 8 ) XXXX/DEPT OF EDUCATION Account # XXXX ( 9 ) XXXX XXXX XXXX ACCOUNT # XXXX ( 10 ) XXXX XXXX ACCOUNT # XXXX XXXX 11 ) XXXX XXXX ACCOUNT # XXXX ( 12 ) XXXX XXXX ACCOUNT # XXXX XXXX 13 ) XXXX XXXX ACCOUNT # XXXX 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 2022-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.

Complaint:
Im writing about the following data that appears on my credit report from MacysDSNB. This collection company is reporting a debt on my XXXX, XXXX, and XXXX report as being owed and that is inaccurate. I do not have a signed contract with this company nor an agreement stating I owe this account or company. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record. If you can not verify this record, I request you remove this data from my account immediately.

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 2019-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have accounts on my reports that are not mine.

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