hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-04-11
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: FC HoldCo LLC

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a credit card under any open end consumer credit plan as late for any purpose.

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 2019-10-24
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 was looking into a home purchase when I had my credit pulled last month and I found Fraudulent inquires and accounts with companies I have never applied for business with and I do not recognize these companies. I am not sure if someone is using my name for utilities or added me on accounts they are definitely not accurate. 
The following accounts are fraudulent please remove/delete : 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX # XXXX 3.XXXX  XXXX XXXX # XXXX 4.XXXX XXXX XXXX  XXXX XXXX 5.XXXX XXXX # XXXX Unknown inquiries : XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.

Complaint:
My credit limit was decreased on my Chase United card from about {$13000.00} to {$7000.00} because of ( according to them ) negative remarks on my credit report within the last 4 years. They gave me the XXXX dollar balance when my credit scores were WORSE and reduced it now when my score is much better, AFTER I reduced the bill to XXXX balance and after I removed three late payments that were posted on my report. Payments that were reported from XX/XX/2020, XX/XX/2020 and XX/XX/2020 due to Covid. The last one was reported in XX/XX/2020, supposedly it was recently reviewed but it wasnt reviewed when I was spending and paying all the interest. This is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Product: Credit reporting 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 am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
It's ridiculous because I have always paid this account on time and have never been 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 explanation
Consumer complaint received 2022-06-02
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:
In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX XXXX account XXXX and 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

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 2020-07-17
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: Experian Information Solutions Inc.

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 12 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Company Inquiries : 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 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 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
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: WELLS FARGO & COMPANY

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Upgrade, Inc.

Complaint:
Hi I tried to check my rates without pulling my credit report ( hard inquiry ). And i am still shopping arround cause the loan ammount that i need is more than 25k, then it happend to see a hard inquiry on my credit report from Upgrade, I never ment or wanted or accepted to process any loan application or accept any terms specially that the loan amount doesnt match my needs. 

Also the costumer service guy at Upgrade recommended me to send an email to XXXX to explain what happened with me so you can remove this hard inquiry from my report but didnt have any response from them. 

Please i would like to give you any kind of explinations needed to kindly remove this hard inquiry. 

Note : i was using upgrade ONLY because i can check rates with no impact on my credit score. 
My score dropped by 15 points yesterday. 

Looking forword hearing from you soon Thanks Sent from my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I use Bank of america ATM to withdraw some money from my account, my bank account is a foreign institution name XXXX, on XX/XX/XXXX I used the ATM and tried to withdraw $ XXXXUSD, but the ATM automatically denied my transaction with the message " Exceed limits '' to withdraw. Due that I decide to take just {$200.00} and come back the next day. on XX/XX/XXXX I tried to get my remaining funds to complete the $ XXXXusd but this time the ATM said I didn't have the funds to dispense the money. 
I contact my bank and they said that a transaction of {$540.00} was approved on a ATM, I dispute that charge since that day but my bank ( XXXX ) initiate the investigation and a result bank of america did approved the transaction but the ATM no/no release the money. I been trying to resolve this matter with bank of america but they just don't help at all, many phone calls and visits to the branch were the ATM is located but they saying they don't have any record of my transaction and they don't give the money back is already been almost 2 months and I have not resolve this issue with Bank of America. My bank already make a dictamen saying that bank of america approved the transaction they will not do anything else. Bank of America ATM or someone in that branch keep the money and now they dont release 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 2018-08-16
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:
The following accounts/items do not belong to me. Please delete 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 2022-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In Accordance with the Fair Credit Reporting Act : XXXX account XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Have 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, states a consumer reporting agency can not furnish an account with my written instruction.

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 2017-07-03
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:
A collection account appears on my credit report. XXXX XXXX Account # XXXX. The first report of the delinquency was XXXX and 7 years have now passed which according to the FDCPA, the collection account should have been deleted from my credit profile on XXXX XXXX. It still appears on my credit report and the credit bureaus are refusing to remove 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 non-monetary relief
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
XXXX. Validate Account XXXX XXXX Account Number :  XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.

For XXXX 1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account.

2. Validate Account XXXX XXXX Account Number : XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.

For TRANSUNION 1. Validate Account XXXX XXXX Account Number : XXXX The dates last reported don't match please supply me with information how you verified this item. 
2. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 3. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.

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 2023-09-09
Product: Credit reporting 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
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:
This was a car load with XXXX XXXX XXXX in XXXX XXXX XXXX account number ( XXXX ) XXXX The original amount of this account was {$27000.00} it was open XX/XX/XXXX and my last Paymen was in XX/XX/XXXX after I made the last payment the rep congrats me and told me you will get your tittle after couple of days they start calling me that I owe {$300.00} and is late I come in and paid it off but my issues is I was impacted with Covid I lost everything I was struggle to feed my family they even give me a break on the payments thats how I gat into the two late payments which I keep call them about I was told they put it in the system already is not going to be count against me the other once I lost my job but still manage to make the payments all the is with a 30 days grace period this is really counting against me since now am trying to put my family in a home

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-08
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:
XXXX XXXX update inaccurate information on my report. First they updated a payment made on my XXXX account which was false. I submitted a claim with cfpb based on this in accurate information. On XXXX XXXX, they alerted me that XXXX was removed from my credit report and began to offer me credit card applications. I called equifax and XXXX  regarding this deletion and but company stated it was inaccurate and XXXX was indeed on my credit report. XXXX XXXX is NOT ACCURATE with my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
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: Experian Information Solutions 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 71XXXX 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 XXXX  now.with no help.

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 2020-05-04
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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