hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.

Complaint:
So I take my credit report and Wakefield and associates has two accounts put on my credit report and they're both identical for one they are double reporting which is unfair and not correct for two my ID was stolen I reported that to the police and my passport was stolen and I reported that to the agency I was supposed to as well and out of nowhere months later this appears on my credit report

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 am a victim of identity theft. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX have reported fraudulent info on my consumer report that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-06-14
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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.

Complaint:
There is an account reporting on my credit file with Midland Funding and I requested the credit bureaus to investigate this. The results from the bureaus indicated it was mine. However I had a representative contact Midland using a power of attorney and they told her that they could not locate any information with my social, date birth, address etc., I then submit a letter directly to Midland asking for validation of the debt since they could not locate me by the above. The letter I received was nothing more than statement from their company stating I owe it. The even more frustrating part is how are they able to locate my information now when they could n't before? All that information was given to them initially to locate the information and the did n't. How do I even know if they did n't input the information when I had the representative call? There was nothing sent to me with my signature, payment history from previous company etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Should be able to close a deposit checking account online. They read the legal disclosure orally for reopening if provisional credit for error resolutions. This can be added to the online system in writing and the reason for closing the account. Having to wait through the phone cue to get a customer service representative annoying with COVID-19 when this is a company heavily involving with technology.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EXPERT GLOBAL SOLUTIONS, INC.

Complaint:
I contacted SST and get better understanding off my loan. The loan was originally with XXXX XXXX but they closed down and SST bought the loan. 
I don't understand what's going on with this loan ( ACCT : XXXX ). For the month of XXXX {$250.00} were paid to XXXX XXXX/SST but the customer service representative told me over the phone that only {$100.00} was received. The total payoff for the loan should be less than {$450.00} at the moment but I'm being told that there's a higher amount and I don't have to pay until XXXX. How is this possible? Could you please help understand what is going on. Attached to this email is a copy of Leave and Earning Statement ( LES ) and Allotment information that shows my payments. I believe the interest rate of this loan has raised without my knowledge and agreement. The company is NOT reporting to the Credit Bureaus at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
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: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
I have been attempting to dispute unverified accounts on all 3 of my Credit during this process I have sent 2 dispute letters as well as debt validation letters each certified to XXXX, XXXX and XXXX  on dates XXXX XXXX and XX/XX/2020. To XXXX XXXX XXXX, XXXX XXXX known as XXXX and Portfolio Recovery. And the only responses I have received from the Debt Buyers as well as the Credit Bureaus was them verifying the accounts belonged to me without any documents indicating I am who the accounts belongs to. They have been unable to provide me with an original contract ( s )  bearing my signature, account history and other documents I have requested twice. Furthermore after failing to receive proper debt validation from these Companies it has been brought to my attention these debts has been misrepresented. In the Violation of the Fair Debt Collection Practices Act, also in respect to Section 623 of the Fair Credit Reporting Act furnishers must note delinquency within 90 days, list the same date as delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by these Debt Collectors and Or Collection Agencies regarding these accounts. I have submitted this complaint in attempt to have these debts removed from all 3 credit  bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
According to EQUIFAX, XXXX XXXX XXXX said they had verified an outstanding credit of {$230.00} with XXXX XXXX XXXX XXXX. The debt is not my mine. I asked for a copy of a agreement with XXXX XXXX XXXX XXXX, bearing my signature, a copy of the XXXX XXXX agreement with XXXX XXXX XXXX granting right to collect on the alleged debt, and copy of XXXX XXXX XXXX state license as a debt collector. However, they will not provide proof of their claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC

Complaint:
This was not sent in erroXXXX XXXX XXXX XXXX  consumer by law at ang information XXXX XXXX XXXX  misused at XXXX I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
its a 30 day last payment reporting on my credit report when I was never late on my payment

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 2021-09-27
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:
Warning to Remove Incorrect Items from my Credit Report ASAP!!!!!! 
I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint:
staHello. I moved end of XX/XX/XXXX from XXXX XXXX, Florida to XXXX, XXXX. I rarely write checks from my checking account. Maybe one or two a year. In XX/XX/XXXX had written a check to a mover company. That may have been the only check I had written in XX/XX/XXXX. I have been with citibank for 18 years. After 18 years, they should have known my banking habit. Citi encourages the consumer to do online banking, They also encourage people to uses paperless bank statements. They are suppose to email every month reminding the consumer that their bank statement was ready to be reviewed for each month. I do not remember receiving any email from citibank ever. Being extremely busy with my move I am not sure if I checked my account statements. XX/XX/XXXX, i saw someone had taken money out of my account. Called Citibank right away, Talking to a fraud department we have realized they have been pilfering money from my account every month. Almost 10K. All of this was happening ensuing months after my move. They started pilfering money as of XX/XX/XXXX. The only people knew about my move was this movers company. Citi reimbursed me for {$6700.00}, They are refusing to pay the rest, {$3200.00}. Their reasoning is I failed to inform them about the irregularities within 30 days. They do not mention that Citi has failed to protect my account. I trusted them my money. They should have noticed the irregularities happening to my account. Also, they never emailed me reminding me my monthly bank statement was ready to be reviewed. They have abdicated their responsibilities. I trusted them my bank account. Apparently, they can not protect accounts. They should have noticed some thiefs were robbing me. If I had not noticed it, these thief have probably stole more money. I am a XXXX years old man. Often times it is very complicated to download paperless statements online. Please help me. Thank you.

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 2020-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.

Complaint:
This complaint is in reference to IC SYSTEM Account Number XXXX. I sent a dispute letter by mail and it was returned as not deliverable and this is a violation of the law. All items on a credit report must be 100 % accurate and verifiable and this item can not be verified because I send a letter to the address being reported by the collection company and it was returned to the sender. Therefore I am demanding the item be deleted from my credit report at once or I may refer to a consumer credit attorney.

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 2022-08-29
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 ( Account, 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

Company response to consumer: In progress
Consumer complaint received 2021-08-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
XXXX  ONLY responded with the info and history of the charge off. XXXX  DID NOT address the complaint and remove the Paid in Full charge from the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
XXXX XXXX XXXX XXXX XXXX Balance details Paid off- Balance- Balance updated- Original balance {$24000.00} Account info Account numberXXXX Open/closedClosed Date openedXXXX XXXX XXXX  Account typeAuto Loan XXXX XXXX XXXXOriginal creditor : XXXXXXXX XXXX XXXX Balance details 0 % paid off Balance {$410.00} Balance updatedXXXX XXXX XXXX Original balance {$410.00} Account info Account numberXXXX Date openedXXXX XXXX XXXX Account typeDebt Buyer StatusCollection account. {$410.00} past due as of XX/XX/XXXX. 
Status updatedMar XXXX XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$2300.00} Balance updatedXXXX XXXX XXXX Original balance {$2000.00} Account info Account XXXX Date openedXXXX  XXXX, XXXX Account typeCollection StatusCollection account. {$2300.00} past due as of XX/XX/XXXX. 
Status updatedXXXX XXXX XXXX {$1100.00} Balance updatedXXXX XXXX XXXX Credit limit {$750.00} Account info Account XXXX Open/closedClosed Date openedXXXX XXXX, XXXX Account typeCharge Car XXXX Account numberXXXX Open/closedClosed Date openedXXXX XXXX XXXX Account typeCredit ca

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
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 have a XXXX XXXX overdraft line. Recently I received a report from the credit bureaus that XXXX XXXX reported me late to the credit bureaus. When I login to the XXXX XXXX online banking platform, the bank is clearly communicating there is NO balance due ( See attached screenshot ). It was only because of my son, however, that we were able to figure out that if I click " Pay Now '' ( again, the balance and everything on that page gave no indication a balance was due ) I could then see that there was an absolutely minuscule {$6.00} balance of interest that had to be paid. No mail was sent to me alerting me of this past due balance, either by paper mail, email or phone call. The only attempt that I saw come through was lodged in my spam folder from a XXXX XXXX on the XXXX day of being late. Here is the message : " XXXX XXXX, I hoping to speak with you. Could you please call me back at XXXX or at the XXXX XXXX XXXX? Thank you. '' This message does not convey any urgency, nor does it say I should contact XXXX XXXX to avoid any negative credit reporting. It could be a marketing request for all I know.

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 2020-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.

Complaint:
The company is GLA collections and the debt owed on my credit report is XXXX. I did call to ask about the debt to be takin off my credit report but for some reason they say it cant be. The date they have it open is XXXX of XXXX. I was XXXX from XXXX. I havent been to a hospital since last year when I had a XXXX. Prior to that I could actually speak on when I went. I dont understand how these debts continue to pop up when they are more then 7 years old. I have disputed many times and somehow its not been takin off there. I attempted to call just to try and make some kind of pmt plan to have it takin off there unless paid in full they would not. All Im tryin to do is get my credit in good standing. I believe it should be takin off my credit report. There was several more on there that was disputed and removed but the way they talked they would just reopen and have them put back on my credit report. Its now XXXX and Ive not been to any hospital. So some of these debts they have are while I was XXXX  and thats not possible. They should be removed and stay removed. I dont see how a debt can continue to be reopened or put onto my report after Ive continued to dispute the items.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
DEPT OF ED/XXXX is reported duplicate on my credit report, I do not know the reason why. I only have a single student loan, please remove the duplicate entry. The student loan was temporarily suspended, and my loan holder granted forbearance. Please remove this inaccuracy from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief