hpe-ai/customer-complaints-train.csv huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Trans Union Credit Company has combined me with another individual our socials are almost alike with similar names. I have been attempting to correct it since 2019, I have all documentation prooving my information. The other individual has bad credit I should have good. All of her bad debts show on my scores. I have contacted and disputed time and time again and proof. I have mailed correspondents and certified mail and have received no help. When I try to pull a report on me no information is provided. 
The other two major credit companies do not show what Transunion shows, for the other two it shows my credit score representing these issues from trans union but does not show the mixed social sec. numbers. so this is strictly related to Trans Union information. 

Please help, I do not know what else to do as I can never get a live person that understands or will speak to me. I've attempted since 2019 to straighten this matter up.

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 2021-06-11
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: CITIBANK, N.A.

Complaint:
I have these accounts that are not mine and i want it to be removed from my credit report. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CITICARDS CBNA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number  : XXXX This is 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
Consumer complaint received 2022-01-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I have previously questioned this account with credit institutions and each time the investigation returned as " verified ''. I decided to go directly to the creditors and file a dispute with them. The lender was unable to provide any form of documentation to verify this particular account with me. If they are unable to verify this account with me- the alleged account holder - there is no way to verify 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 2022-08-17
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: Maximus Education, LLC dba Aidvantage

Complaint:
In accordance with the fair credit Reporting act XXXX Account Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
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: EQUIFAX, INC.

Complaint:
I recently disputed the unknown/unauthorized credit inquiries, that are listed in the attached documents below, on my credit report and was advised that the information is correct and to contact each individual creditor for assistance. I should n't have to take the time to update each individual creditor when I should be able to dispute and get this handled through the credit reporting bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I do not have a relationship with these creditors

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 2022-09-26
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, this creditor XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b states a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
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 keep telling eqifax to remove fraudulent accounts from my credit report. ive sent them multiple ftc id theft reports/police reports etc and they keep giving me different answers. today i sent them another ftc id theft report/police report, copy of driver 's license and social security card copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
I would like to file a Formal complaint on Equifax reporting agency I receive alert on my credit file that my debt to ratio limit was Over on 2 of my credit cards ( XXXX ) / XXXX Both those cards should be at XXXX  blance. and because of Equifax and My history I will not back down. I have filed Mulit complaint about this company with the cfpd and The Minnesota attorney generals office on this company I believe that it someone at that company is tempering in my credit file. the reason I have proof that I know that they are is XXXX And XXXX  reported on the same account info on the same day and Guess what their were reporting correctly. But just so happen MR Equifax had to go and report false information about me it is against the law for a reporting company to report false info. That is grounds for lawsuit each time I call there XXXX number they are very rude and nasty to me placing me on very long hold Guess What I will go toe to toe with you believe me. I have asked you to investigate credit inquires that I did n't authorize guess what you did n't send any of the information about that. PER THE FCRA IF YOU CAN NOT PROPLY VERIFY THE ACCOUNT IT MUST ME DELETE. CORRECT MY CREDIT BLANCE ON THE CARDS LISTED ABOVE OR ELSE I WILL BE FLYING DOWN TO YOUR OFFICE IN GEORGIA AND WO N'T LEAVE UNTIL SOMEBODY FIX THIS XXXX PROBLM!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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: EQUIFAX, INC.

Complaint:
I HAVE INQUIRES THAT I DO NOT RECOGNIZE OR DID NOT AUTHORIZE AND THE CREDITOR AND THE CREDIT BUREAUS REFUSED TO REMOVE THEM. PER 15 U.S. Code 1681b - Permissible purposes of consumer reports, AND 15 U.S.C 6802 Gramm-Leach-Bliley. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY AND I NEED TO BE COMPENSATED {$1000.00} PER INACCURATE ACCOUNT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
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: Experian Information Solutions Inc.

Complaint:
Right now there three sets of the same loans on my credit report. Theyre all reporting different information to different bureaus. Its hurting my credit differently on each one.

All accounts are paid off, but only one loan reports as paid of f while the other 12 are reporting as charged off.

This negative mark alone is ruining my credit, I have tried to fix this multiple times, and to no avail. Please assist.

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 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: T.S. Holdings

Complaint:
IQ data has falsely reported wrong information to get money from a court order written statement! They have falsely reported incorrect payment statements & history dates

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ZWICKER & ASSOCIATES

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX, I cosigned for my son a series of XXXX student loans through XXXX ( XXXX XXXX XXXX XXXX ). XXXX months after XXXX, he began the process of repayment. At some point in the following XXXX years, my son failed to make regular payments and the loans were subsequently turned over to a collection agency called Zwicker & Associates , P.C . 
When they reached out to me for the first time, I was stunned to find out my son and I were into this agency for roughly {$31000.00}. I explained to them that I as a cosigner, had never recieved a notice of delinquency from anyone, not XXXX, nor Zwicker. I asked them to produce notices of collection which they could not, instead steering me back to XXXX who when I called, refused to speak with me. 
My son since made an arrangement to pay them {$300.00} a month for XXXX years and that has now been increased to {$400.00} at 12 %. For a young man starting a career, that is a large sum at ridiculous interest which will take him years to pay off. He also has about {$80000.00} in additional student loans he 's paying down. What I would like to see is any type of collection notice sent to me as a cosigner. I would also like to see something done to eliminate the high rate of interest on these loans. I do n't dipute that the money is owed. What I am questioning is why I never recieved delinquncy notifications as a co-signer. In addition, this all went on my previously clean credit report as charge off 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$160.00}, Medical XXXX Balance : {$770.00}, Medical XXXX Balance : {$770.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.

Complaint:
Hello I need your help on a collection accounts that is showing on my credit report. 
By law I read the collection agency couldnt charge you interest after they both the debt for a penni. 
Another note, why this collectors all alleged that I owe them money, I had never made any business with these company I did not gave them permission to have access to my personalL information. I dont even know who this peoples are. Anybody clido mail a letter that they owes money to XX. Company. 
But how they proof that. I have no business these companies.. 
If they are adding interest on this accounts why I never received a letter or statement advising me about new charges. And they failed to validate this account they didn't even want to tell me if midland funding and XXXX XXXX XXXX XXXX XXXX Attach are the screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
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 XXXX XXXX XXXX XXXX Account Number # XXXX, XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
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 XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.

Complaint:
I first found the collection company reporting on my Equifax credit report. I disputed it with Equifax on XXXX XXXX, XXXX. After they did not resolve the issue, I contacted XXXX XXXX XXXX on XXXX XXXX, XXXX and asked them to validate the debt they claim that I owe. I have been having trouble with insurance companies double billing me for services in part because I had two health insurance companies that had to coordinate. I have not received validation of this debt but it is still reporting on my Equifax Report. I am requesting that XXXX be removed from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
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: Experian Information Solutions Inc.

Complaint:
I have contacted Experian Agency many times before ; last time was on XX/XX/2020 and spoked to XXXX XXXX XXXX about a Fraudulent Medical claim which has been dublicated now even though was paid initially by my Insurance. Both were Unprofessional, Rude & refused to solve & investigate my claim, as it happened every time i contacted Experian. I believe that Experian does it on purpose to consumers in order to sell credit reports with negative items ( which are more expensive ) to Suprime Lenders, as many Studies proves that in addition to that 80 % of Experian Credit Reports have mistakes. Only a Criminal Enterprise will act this way, maybe they are. Obviously is known that Experian Bribes Corrupted Politicians in order to be in business and Ignore the Law, just like a Mafia. Only in America.

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 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.

Complaint:
I was never told about any options due to student loan forgiveness programs or income driven repayment. I was told to keep applying for forbearance and deferments. My loans are in default and i can not afford the payments with all the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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, XXXXXXXX XXXX XXXX, account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A, states I have the rights 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.

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 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.

Complaint:
I have a student loan account through XXXX XXXX XXXX that was also through JP Morgan Chase Bank. The account was sent to collections through XXXX XXXX XXXX, even though I never received a bill or an loan payment notice to begin with. I started paying the collections account in XX/XX/XXXX. All payments of {$150.00} per month were agreed upon by XXXX XXXX XXXX and have been made on time. My credit reports show that I have missed payments that are 180 days late for XX/XX/XXXX and XX/XX/XXXX but these are incorrect. I also do not believe that the payments should have ever been sent to a collections agency in the first place, because I was never informed that there was any payment due to begin with. The account as a whole has had a very negative effect on my credit and may cause issues for me at work, since I am enlisted in the XXXX XXXX XXXX and hold a Top Secret Security Clearance. I have tried disputing this multiple times through XXXX, XXXX, and XXXX  and through XXXX XXXX. JP Morgan Chase Bank will not respond to any phone calls, emails, or correspondence from the companies or myself and has failed to correct the information after years of filing disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
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:
Late payment showing on account on XX/XX/XXXX, and XX/XX/XXXX. Account has been closed since XX/XX/XXXX with date of last activity on XX/XX/XXXX. No late payments have ever been made on account. Payment history is inaccurate.

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 2019-09-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.

Complaint:
This occurred with NAVIENT. This company is horrible and does not direct its customers properly. I had an old loan, which they failed to handle properly and on top of that, they have charged me ridiculous late fees that other providers have not. 

This company needs to withdraw my late fees ( around 300 ). 

They also failed to tell me about converting my OLD loan which does not qualify for IBR programs, such as forgiveness after 10 years of payment. I would be starting over, and I had opened this account back in 2005. 
This company was horrible in the mismanagement of my loan, and to this day the principle has increased.

Company response to consumer: Closed with explanation