hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I've paid my capital one car loan on time for the months of XXXX XX/XX/2020 but im my credit report it shows up as a late payment I have Documentation that it was paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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:
Hello, I have an inquiry on my citicard Cbna from XX/XX/22. I am unaware of why this is on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
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:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to 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 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX Credit card was closed XX/XX/XXXX and there was a delinquent remark on XX/XX/XXXX from both TransUnion and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
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: Experian Information Solutions Inc.

Complaint:
The credit bureaus have yet to respond to my credit bureau disputes, I have not gotten a response back from none of them at all and I am trying to improve my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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. 

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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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 received a letter from XXXX XXXX Notice of Data Breach. My personal information was compromised. I am a victim of identity theft. Someone opened a fraudulent XXXXXXXX XXXX Account using my personal information and identity. I never applied for any loan or account with XXXX XXXX XXXX. The XXXX Account is a fraudulent account and not my account. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : 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 2022-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Good afternoon, Due to the new Medical Debt Relief Act of XXXX, I have been trying to get some medical debt removed since XX/XX/XXXX on the XXXX XXXX website under the Transunion credit and it says they are working on it but it's been four months and the dispute options are locked up where I can't follow up. 

When I went directly to the Transunion website, they are trying to charge me XXXX dollars a month in order to sign up to directly deal with them. 

I just went directly to XXXX and had to submit the disputes there so I will wait to see what happens. 

There are laws in place to protect many people like myself who are responsible, law abiding citizens that have had bad luck with health issues no matter how hard we try to take care of our health. 

PS, I have a 94 % payment history for all of my other payments! 

Can you please remove the medical debt from my credit report please? 

Thank you, 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 2019-10-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE

Complaint:
BARCLAYS BANK DELAWARE/ CHARGEOFF Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX  : house of XXXX ).

1. Validation of the debt ( i.e. the actual accounting showing <XXXX XXXX XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

Notice Period I hereby give you 10 ( ten ) days from the date of this notice to reply to it with a Notice, sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Notice of Terms Your said failure to provide the aforementioned documentation within the said ten days to validate the debt, will be taken to constitute your agreement by acquiescence to the following terms : 1. That the debt is in fact either invalid, did not exist in the first place or has already been settled in full.

2. That for any damages I suffer you will be held culpable 3. That any negative verbal or written remarks made to a credit reference agency will be removed.

4. That estoppel results, ( meaning that you can not and will no longer pursue this matter any further ).

Accordingly, the minimum you must do in order to carry on a lawful and honourable dialogue in this matter is to reply appropriately in some way within the ten-day period. Should some such reply not be received within this time you may as courtesy be sent a further and final notice confirming that the status of the alleged debt is as stated in the paragraph immediately above this one, although this is not lawfully required. BARCLAYS BANK DELAWARE are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CarMax, Inc.

Complaint:
Last XX/XX/XXXX, I faxed Carmax a letter. This is what I wrote to them : " I set off for a business trip in XX/XX/XXXX and my secretary was entrusted with paying my bills. Since she didnt have access to my CarMax account, she used my secondary checking account with XXXX XXXX to setup an online bill pay to pay Carmax.. However, due to a banking error the payments did not get sent.

I returned home the next month and continued make the payments, not knowing that indeed the XX/XX/XXXX payment was skipped. Given that I always make the payment even before the due date, the payment was not 30 days late for several months, until XX/XX/XXXX when I actually paid off the entire balance of the car at the dealership. That is when I found out that the XX/XX/XXXX payment had been missed and I was 30 days late for XX/XX/XXXX There was no reason for me to be late in XX/XX/XXXX, as on XX/XX/XXXX I paid off the entire vehicle. '' Attached to this letter was a proof that the payment should been sent to them on time and that it was a bank error and I it was never my will nor intention to be late. I also sent them a copy of my bank statement to prove that I have more than enough funds on my bank account to pay off the entire car/loan let alone to make a payment. I am so disappointed that Carmax denied my request considering my perfect history with them and that the account was paid off! Their refusal to my humble request is the only thing keeping my lender from offering me my prime financing for my home. This company are taking away a great opportunity for me to give my family a better life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditor's Collection Service, Inc.

Complaint:
Creditor Collection Services just reported a medical bill on my credit report from XXXX XXXX. First of all, this medical service was covered under a worker 's compensation claim. Futhermore, I never received a bill from XXXX XXXX about this service. If I had, I would have submitted it to the human resources dept of the liable employer, for payment. Additionally, I did not receive a 30-day notice of my right to dispute from Creditor Collection Services, prior to this bill appearing on my credit file.

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 2018-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint:
I called in to Citizens bank today to resolve a problem with XXXX XXXX  still showing that the debit card has not been removed from my device. When the Rep XXXX XXXX XXXX failed to resolve the issue I asked to speak to a supervisor. The supervisor regurgitated the same resolve and then disconnected with me after I asked for her supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
I have contacted Portfolio Recovery by mail to try to negotiate a settlement. They have not responded to my request. I would like the cfpd help in having them respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.

Complaint:
So I walk into the Macy 's store in XXXX XXXX XXXX New Jersey looking for cologne when a young lady approach me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  after I explained the cologne I'm looking for she offers me a credit card I told her I had a good credit score of XXXX and that I would only allow her to do a soft pull she said she agreed several weeks later I get a letter in the mail stating why I was not able to get the car because I'm not using my other three credit cards enough which is not true one of my credit cards had a balance all the way up to {$800.00} that one has a balance of XXXX that I recently paid off so they're saying that I was not active with those cards which is not true and I have evidence of it I will mail you or text or fax you these information

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 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
There are errors on my credit report pertaining to the following Personal Information.

INACCURATE NAME SPELLING XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX INACCURATE XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX OUTDATED EMPLOYERS : 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 2019-08-07
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: LEXISNEXIS

Complaint:
I am sending this final good will letter to inform you that i am seeking litigations against your company. I am a victim of identity theft which my personal information was leaked during a credit breach which my credit and life in general has suffered severe pain. Life has been really difficult for me in the recent past months. I have been denied credit for something i have no control over where my information was leaked causing fraudulent accounts and inquiries to be placed onto my account. I am in distress and i look to resolve this matter as soon as possible within 3 business days. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CORELOGIC INC

Complaint:
When I terminated my service with XXXX XXXX  years ago I was very specific as to the " payed in full amount ''. Dealing with this company is a nightmare but they were the only ones with a XXXX XXXX I wanted. 
I was given the amount from their customer service department and I returned everything as requested following the steps perfectly. Months later I received a collections notice, naturally demanding payment for a debt not owed.The amount is {$270.00} from Credco ( XXXX XXXX ). I contacted them several times which is a time consuming nightmare and was told it was a mistake on their end but the notices kept coming and my frustrations grew. The fifth time I contacted them I didn't go through to customer service, strait to the collections department where I was told they didn't care or wanted to hear anything from me and to pay up or it would remain on my credit report until I did. This is illegal, unethical, and extortion. They wouldn't ever tell me what was owed, just pay the amount. 
If you send anything back to XXXX XXXX  now XXXX reads you a disclaimer and provides you a secondary tracking number because they've pull this XXXX with SO many people. 
Please get this removed, I'd pay it if it was owed but I won't be bullied into paying it!

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 2022-09-26
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 on XX/XX/XXXX to remove items 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 accounts or information not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXXXXXX 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 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 2022-06-16
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:
on. for 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 XXXX XXXX XXXX XX/XX/2021 OPEN BALANCE {$1900.00} ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX. ( 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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

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