hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-12-18
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 — Their investigation did not fix an error on your report
Company: National Consumer Telecom & Utilities Exchange, Inc.

Complaint:
NCTUE continues to falsely report on my file XXXX fraudulent accounts, one being XXXX XXXX XXXX XXXX fraudulently set up on XXXX XX/XX/XXXX for another XXXX XXXX XXXX customer XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, who paid XXXX XXXX XXXX XXXX ( which did not come from any account under my control ) XXXX months between XX/XX/XXXX and XX/XX/XXXX but was only able to set up this account by an XXXX XXXX XXXX employee who was willing to compromise my now former ( as of XX/XX/XXXX ) account information. NCTUE report # XXXX reflects theses amounts however in report # XXXX the payments have been suspiciously removed. Please note that NCTUE also allows it {$2.00} XXXX partner XXXX to paginate reports just to confuse the average consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
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. I recently got a phone call from a debt collector asking for money for an account that I never authorized to be opened. That call prompted me to take a look at my credit report and that's when I realized that my identity had been stolen and my personal information had been used to open several fraudulent accounts. The fraudulent accounts currently reporting on my credit report are some medical service bill that I never authorized or received medical services for that totaled {$740.00} from XXXX XXXX XXXX. That debt is being collected by a company named XXXX ( XXXX    XXXX XXXX  ). I advised them that I never had any medical services done by XXXX, and they said there was nothing they could do but to continue to try to collect the amount owed. The second fraudulent account that is being reported on my credit report is a loan that some criminal applied for using my personal information with XXXX XXXX XXXX XXXX XXXX for {$820.00}. I tried calling XXXX XXXX XXXX XXXX XXXX and just kept getting transferred until I got frustrated and hung up. The third fraudulent account being reported is some type of loan with a company named XXXX XXXX XXXX for {$3700.00}. I have no idea who this company is and when I called them and advised them the I am a victim of identity theft and that I didn't authorize the use of my personal information to obtain this debt the representative laughed and said that I have to pay them or they will continue to report it to the 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
Consumer complaint received 2023-07-29
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: 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 explanation
Consumer complaint received 2021-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC

Complaint:
The company is on my credit report. I paid the debt yet it is still on my 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 2022-03-30
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: CORELOGIC INC

Complaint:
On XX/XX/2022 XXXX XXXX XXXX used my social without my authorization. XXXXXXXX XXXX  Is another company and CREDCO. Also XXXX XXXX XXXX. 
Please remove all the credit inquiries I did not made starting the month of XXXX, so my 3 credit bureaus are not hurt.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A.

Complaint:
Company Weltman , Weinberg & Reis Co., LPA first contacted me back on XX/XX/XXXX with claims of an owed debt. The debt being requested was not mine and appeared to be fraudulent. Weltman, Weinberg & Reis Co., were then as to validate the said debt owed, and they were informed that they had 30 days to do so per FDCPA regulations. They failed to adhere to federal regulations and have since reattempted collection procedures dating to XX/XX/XXXX. This company is in major violation of my consumer rights, and has committed multiple violations under Fair Debt Collection Practices Act, 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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: Merchants' Credit Guide Company

Complaint:
They have refused to fix or update my reports as I filed multiple disputes and have them the proper information. Not only did they not fix the error but they have allowed the reports to be updated. Their representative disconnected the call when I ask them to further investigate the errors.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.

Complaint:
The Department of Education/NELNET is showing that I have 6 late payments, not sure why it's showing that I have 6 late payments when I am in a repayment plan. I've called the Department of Education/NELNET and asked them about this issue and was told that they did not see any late payments that my loan was showing current. Please remove this immediately because it is causing negative marks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
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:
Upon checking my credit sfter being denied credit, i initiated the dispute process with all three credit bureaus. This included accounts that are not mine and obvious identity theft. It also included addresses i never lived at and utilities for those addresses. I notified them that it was fraud and or identity theft. This was not taken seriously. In fact thry used the XXXX system to judt let the so called creditirs ( collection agencies ) verify with no real investigation as required by the FCRA. This is causing me irreprehable harm and thousands of dollars. Many of these so called collections never notified my in writing as required by law under the FDCPA. Likewise most of thesue have refused to provide verifucation and validation of these so called debts. Ones that responded to my dispute letters could not provide the contract or abrreement bearing my signature nor piroof of account is owed by me. As such these should be barred but thry continue to allow them to hurt my credit ating and cause me financial XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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:
I, XXXX XXXX, a federally protected consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation

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 2023-06-09
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 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 2022-02-21
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:
My name is XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
My title was paid off last XXXX. I requested that it was sent to my parents address on XXXX XXXX in XXXX, XXXX Capital One never sent anything. I was unable to get into my online account. I recently purchased a new vehicle because my last one had mechanical issues. Capital One claims to have sent a document I can take to the DMV. I still dont have my title or that document. I can not complete my transaction for my new vehicle until I get that title to the dealer. They breached the contract and violated the law. I paid all of my vehicle payments and I am entitled to a timely copy of my title documents. One year should be enough time for them to get my title sent to me. Moreover, the burden and payments for getting a replacement title should not be on me, as it was not my responsibility for getting these documents. The finance company should not be able to shift their breach of contract onto the postal service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting act : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference number XXXX has violated my rights. 

15 U.S.C 1681 section 602. A. States that I have a 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 2023-02-08
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:
I have disputed multiple negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations. 

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

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 2022-11-20
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:
Equifax is not taking the proper time to investigate disputes. For example i submitted a dispute on XX/XX/2022 and results came back the same day

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.

Complaint:
I receive numerous calls from Navient ( for Sallie Mae loan ), the latest of which was today -- XX/XX/XXXX. I have NEVER had a student loan. A couple of years ago, I contacted them after they meade several calls to me and told them to remove my number -- I was not the person whom they were seeking. 

I have started to get the calls again, this time for a different person. I spoke with someone and they said they would fix it but they have or will not fix the problem. 

CallerID number : XXXX Number for contacting them : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Product: Credit reporting 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:
I XXXX XXXX have noticed some fraudulent accounts and unauthorized inquires on my credit report. 

Accounts 1. XXXX XXXX {$150.00} 2. XXXX XXXX {$520.00} Inquiries 1. XXXX XXXXXXXX XXXX  2. XXXX XXXX 3. XXXX XXXX XXXX 4 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 2019-04-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC

Complaint:
Daily calls for more than a week. Robocalls. No voicemail. Trying to collect a debt for someone other than myself. I have called to ask to be removed from their list, calls continue. 

Company name is Transworld Systems Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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: TD BANK US HOLDING COMPANY

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 3 credit bureaus 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. My credit report includes the following erroneous information that needs to be investigated and correct : NORDSTM/TD XXXX Date Opened : XX/XX/2019 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
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 checked my credit report on XXXX  XXXX and noticed 2 inquirys that I never authorized and had no idea about. 
First inquiry was XXXX XXXX XXXX date : XX/XX/XXXX  2nd unauthorized inquiry XXXX XXXX XXXX Inquiry date : XX/XX/XXXX  I contacted Transunion credit bureau multiple times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, in an attempt to get my credit report corrected and those inquiries removed but they didnt offer any good help. 
These inquires are fraudulent, I have never applied for or had business with any of those 2 lenders i listed above.

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 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC

Complaint:
Incorrect information needs to be removed and corrected.

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 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.

Complaint:
On XXXX XXXX I wrote a letter to Experian asking them to remove inaccurate information on my credit report and sent all of the required documents that they needed in order to proceed with their investigation. On XXXX XXXX, they responded by saying that my request to investigate said accounts did not appear as though it came from me, therefore they will not initiate a dispute nor any further disputes. The first time I called to dispute, they responded by saying I had to write them directly, which I did on XXXX XXXX. Now their written correspondence requests me to call them ( see attached letter ) in order for them to proceed with the dispute?? This is insane and definitely a stall tactic. I have studied credit reporting laws enough to know that they are giving me the run around and denying my my right to dispute the items on my report. This is a DIRECT violation of my consumer rights according to the Fair Credit Reporting Act and it furthermore stalls the investigation process.

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 2023-05-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY

Complaint:
I have gotten a strew of letters from Wells Fargo Auto Finance in the mail, they all go in the trash because they will not work with me. At this point, I want Wells Fargo Auto Finance to Dissolve the loan as all they do is argue with me over the phone, otherwise I will have to seek an attorney to take on this matter.

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