hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Hello, Both accounts are passed the 7 year mark to be removed from my credit history. Accounts XXXX and XXXX The last payments made on these accounts were in XX/XX/XXXX. Today 's date is XX/XX/XXXX it been a full 7 years. please remove these accounts fully from my credit reports. As i have written proof from date of last payment for both of these zombie debts.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 explanation
Consumer complaint received 2020-06-09
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:
I have mailed dispute letters to the company XXXX in regards to validating student loan debt but I have not received anything information regarding the loans back in the mail from them they have failed to validate the student loans and they will not remove the accounts from my credit report. I sent these letters out in regards to all five of the student loan accounts that need to be validated but they havent been on XX/XX/2020. In the past they have wrongfully tried to collect on the student loan debts even while I was in school and still am a 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 2019-06-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC

Complaint:
XXXX XXXX this was not my debt and was on my XXXX  credit report, I contacted the state attorney of New York and they had it removed as it was a fraud account that keeps getting put on my credit. Now today XX/XX/2019 this account is on my credit as a collection again! Account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc.

Complaint:
My XXXX XXXXXXXX XXXX XXXX sent me for XXXX XXXX XXXX XXXX  to one of their partner offices XXXX XXXX XXXX, I had to pay for many services like exams again. After all I paid {$45.00} for visit, {$610.00} for the job after the insurance covering {$270.00}, - of it. Now after a few weeks I received another letter from their office for {$210.00},- and at the same time I received a letter from the mentioned debt collector Amer Assist for the {$210.00}, - When I called the dental office they just said that they will ask a manager to call me. But that never happened. After contacting my insurance they gave me the numbers they paid to the XXXXl office and it clearly showed that I was over charged. So they also told me that they will send a letter to them to refund me the balance. 
Explaining all this to Amer Assist I was told that if I dont pay it will be reported to the collections. The only chance was to pay them or have the XXXX XXXX  contacting the collections to remove their request. 
First I dont understand how rude can the XXXX office be, by sending the request to me and to the debt collectors at the same. 
Second how come that Amer Assist didnt even take the effort to look at the bill and bring to their attention that their bill was sent to them immediately when it was sent to me at the same time. I didnt get a chance to pay it. Now it is forced this way. 
No problem that {$210.00} will not kill me. But Ill see them at the small claims court. 

Welcome to America, Big eats Small

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
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: Experian Information Solutions Inc.

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.

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 2020-12-15
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:
I HAVE HAD A CHANCE TO CAREFULLY REVISE MY CREDIT REPORT BUT TO MY SURPRISE I DISCOVERED SOME ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS REPORTING ON MY CREDIT BUT DOES NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIIES AND HAVE THE REMOVED FROM MY CREDIT FILE AS SOON AS POSSIBLE. PLEASE UNDERSTAND THAT THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND IS IN NO WAY CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE IN THE PAST.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
A recent investigation of Acct Number # XXXX Creditor : XXXX XXXX XXXX  did not remove the unverified negative account from my Equifax credit report, reporting in collections. 

Equifax Under the FCRA is required to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In results of their investigation they did not send me provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.

Complaint:
Chase refused to give me a credit after I disputed the transaction. The merchant refused to give me a credit even though they delivered a product to the wrong address. After the the merchant sent XXXX documentation CLEARLY SHOWING it was delivered to an address that was not the delivery address, Chase still refuses to give me a credit for the amount. I talked to XXXX, a disputes supervisor and he was unsystematic and completely unwilling to help me find a solution to the issue. They are clearly colluding with the merchant and not protecting the their customers art all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-18
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: CREDIT ACCEPTANCE CORPORATION

Complaint:
I have disputed numerous times to all XXXX bureaus for my auto loan with credit acceptance. Iam not responsible for this I have disputed. I did my dispute with XXXX on XXXX XXXX 2022 and it's now XX/XX/XXXX and still not completed. It needs to be removed from my credit reports asap or legal action will be taken.

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 2017-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.

Complaint:
This company called me stating they were going to have my wages garnished and my taxes withheld if I did n't pay this amount. Informed them this was a result of identity theft and they continued to call me. They placed this on my credit report AFTER being informed that it was a result of identity theft and all the original documents have been sent to the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am writing to you with great urgency regarding the fraudulent accounts that appeared on my credit report, which were a direct result of identity theft. My wallet was stolen by an unknown assailant, which contained my personally identifiable information ( PII ) and my social security number. Despite my previous disputing efforts, XXXX has failed to remove the fraudulent accounts from my credit profile, causing significant damage to my creditworthiness and personal finances.

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 2022-09-27
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 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 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 explanation
Consumer complaint received 2018-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint:
1st complaint : HSBC sent me a credit card that I hadn't applied for. I've spent over five hours on hold with HSBC in an attempt to report the ID Theft and ensure that the card has been coded as such and for them to remove any related reports from my credit reports. I wasn't able to get a person on the phone until today and then they refused to connect me to the department that handles fraud/Id Theft and refused to provide me with an address or fax number for me to send a police report and affidavit to report the ID Theft. The associate said that she can not assist me that I will have to be placed on a " lengthy hold '' to speak with someone who could assist me. I told them of my 5 hours of hold times and frustration to report the Id theft and they said they couldn't assist me. I asked for their manager and they refused. I advised that I am filing a formal complaint against HSBC and the associate wasn't concerned and they placed me on hold.
2nd complaint : After I formally communicated and provided proof of my victim status as a victim of ID Theft to HSBC and having received HSBC 's acknowledgement of the receipt of the unauthorized application that they've " Denied the application '', HSBC has now communicated to me that they approved the application and are reporting it to my credit reports. Since I've received this information from HSBC I contacted them and requested a fax and or address to resend the police report and FTC Affidavit for them to investigate and resolve the issue and the associate refused to assist me or transfer me to someone who could assist me. I advised them that I am filing a complaint against them and the associate placed me on hold until I discontinued the call because they failed to pick the line back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION

Complaint:
I was a Simple Banking customer. Simple closed up and was to be transitioned to their parent company, BBVA USA on XX/XX/2021. Immediately there were significant errors when attempting to enroll. Attempts at contacting customer service were futile as wait times were in excess of an hour. Then, the following day on XX/XX/XXXX BBVA stated they would have their customer service open on Sunday ; however, when I, along with thousands of other people, called customer service ( XXXX ) someone would immediately pick up, act like they couldn't hear you, then hang up. I tried twice from the same phone, then I got a second phone and customer service wouldn't even answer, it would just hang up. At this time, I have no access to manage my money, BBVA customer service is not operational, and there is no solution to this problem for an unknown thousands of people. There are hundreds of complaints and the XXXX threads reference these complaints are numerous concerning the problems with this transition.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.

Complaint:
At this time, I respectfully request a copy of my XX/XX/XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, New York XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
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: Experian Information Solutions Inc.

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$6900.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.

Complaint:
I received a letter from Nelnet, congratulating me on my loans being paid in full. But Nelnet keeps adding balances and subtracting balances to my account. This is adversely affecting my credit score! I 'm in the middle of financing and their frequent updates are detrimental to this process. Also, I want all loans older than 6 years off my credit report, as that is more than the SOL for my state. I need this done ASAP as Nelnet is doing illegal and reporting practices.

Company response to consumer: Closed with explanation