hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-12-04
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: EQUIFAX, INC.

Complaint:
Ref : XXXX - Filed and Submitted to the CFPB on XX/XX/XXXX Starting in XX/XX/XXXX I requested the original loan paperwork from a new servicing company XXXX - this was after my loan was transferred from XXXX XXXX XXXX XXXX XXXX no payments were missed during this time and the payback period started as soon as the loan was disbursed. The company has not been able to provide the original loan information and is now listed loan as a variable rate. The account transfer was complete I started receiving monthly interest rate increase notices on a monthly basis, the letter mentions the interest rate increase is effective the day the letter was issued. When asked for the payment history company said that they have not been able to locate the payment history or paper work from the previous provider. 

FROM XXXX - XXXX XXXX XXXX On the Last Day the Complaint was Open - XXXX was XXXX to obtain the information from the loan owner because the documents are unavailable. We sincerely apologize for the inconvenience experienced as a result of the matter. Lastly, as a result of late payments, unfavorable information was submitted to the consumer reporting agencies for XX/XX/XXXX through XX/XX/XXXX. 

FROM XXXX - XXXX Dated XX/XX/XXXX ( Only Letter Received About Any Debt ) An attempt to change the loans XXXX rate to 0 % backdated to XX/XX/XXXX, in order to collect debt but no amount or other information is provided... 

The Letter States - " This letter is for Information Purpurposes and it not an attempt to collect '' At the bottom of the letter : " This is a communication from XXXX XXXX  XXXX, XXXX with may be considered a debt collector. "

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC

Complaint:
Aldous and associates failed to provide a liable signature document showing proof I went to blink fitness and also refusing to remove that fraudulent debt account from my credit report or send any formal documentation or agreement to prove that the collection account is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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: EQUIFAX, INC.

Complaint:
On XX/XX/XXXX, I reached out to the original creditors XXXX XXXX and XXXX XXXX to verify that I did not have any unpaid balances. They both verified that I did not have any outstanding balances that were reported to XXXX XXXX XXXX. On XX/XX/XXXX and XX/XX/XXXX, I reached out to XXXX XXXX XXXX and let them know that they reported XXXX charges to my credit report that do not belong to me. I explained to them that these charges belonged to my XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. They verified my social security number and realized that the social security number on file did not belong to me. Even after being aware of this information XXXX XXXX XXXX still continued to report charges from my XXXX XXXX on my credit report. I filed a dispute with XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All of the items have been removed from my credit report except for the charges of {$420.00} and {$2000.00}. XXXX has allowed XXXX XXXX XXXX to report inaccurate information on my credit report. By not removing these items from my credit report, I feel that XXXX is deeming these charges valid and will not be removing them from my credit report as previously demanded on several occasions. These are not my charges and I have tried to dispute again however XXXX will not allow this. Before these items were falsely reported to my credit report, my credit score was XXXX. My credit score decreased by over XXXX points. This has negatively affected my credit score which in return can cause me to have to pay higher interest or even be denied for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.

Complaint:
CBNA / Best buy is misreporting a balance on a settled charge-off account. 

They apparently have also either sold the account or have hired an outside collection agency to collect on their behalf a balance which should have been forgiven per the settlement agreement. 

On XX/XX/XXXX, I sent CBNA a letter requesting a settlement along with a check. They cashed the settlement check, and payment was posted from my account on XX/XX/XXXX. On or about XX/XX/XXXX I received a response letter from CBNA stating that they were unable to identify my account, and were requesting information so they could apply the payment correctly. On XX/XX/XXXX I faxed over all of the requested information to them. 

After nearly a month with no response, I attempted to call them several times and could never get in touch with someone to discuss the situation. I left several messages and got no response. On XX/XX/XXXX I sent via certified mail the entirety of the information they requested that I had faxed on XX/XX/XXXX. I have yet to hear a response. 

On XX/XX/XXXX I received a letter from XXXX, a collection agency, stating that the account had been listed with them for recovery. The balance stated on the collection was not the original charge-off balance, but rather the original balance minus the settlement amount that was agreed upon. 

CBNA has not held up their end of the settlement agreement, and is attempting to collect on a balance that was forgiven per settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: OPORTUN FINANCIAL CORPORATION

Complaint:
On or around XX/XX/XXXX, my Oportun XXXX XXXX XXXX and phone was stolen and was used to make multiple fraudulent transactions which I reported to Oportun the following day after receiving email alerts from Oportun asking me to verify recent transactions which I responded that I didnt authorize. My card was blocked by Oportun and a claim was filed for the the following XXXX charges ; XXXX # XXXX ; {$610.00} XXXX XXXX XXXX ; {$200.00} XXXX XXXX XXXX : {$25.00} XXXX received my new Oportun card in the mail shortly after and activated it but as of today XX/XX/XXXX, those fraudulent charges are still reflected on my account with interest and late fees being charged for the past two months totaling a current balance of {$950.00}. I dont know if my credit score has been negatively impacted either. everytime I called Oportun almost on a weekly basis to get an update and spoke to multiple supervisors, I was told the same thing, just to wait. Until two days ago I found out that Oportun transactions review department didnt finish confirming the fraud that happened in XXXX because along those three fraudulent transaction I posted above, there were other attempted fraudulent transactions which were blocked by XXXX fraud system and they wanted to verify if I was the one making those transactions. I confirmed to them that I indeed didnt authorize any of the attempted blocked charges in question and they apologized that it took this long. It has almost been 90 days and no resolution has been provided. Shame on Oportun

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
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 BANK XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U, S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan

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 2021-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates

Complaint:
Creditors Bureau Associates currently shows a {$370.00} collection for XXXX XXXX XXXX on my XXXX credit report, which I disputed repeatedly WITH EVIDENCE to no avail. Heres what happened. In 2018, I worked at XXXX but was let go as of XX/XX/2018, and according to our separation agreement ( see email copy from HR ), my health insurance with XXXX was valid through XX/XX/2018. When I went to XXXX XXXX XXXX with XXXX XXXX the front desk staff CONFIRMED that my health insurance was active and valid. Then, they sent me a {$370.00} bill. I contacted XXXX XXXX XXXX repeatedly. They said my employer would have to contact them. I contacted my employer who confirmed my insurance had to be valid and active through XX/XX/2018. See attached emails. However, my former employer dissolved business, the HR person was no longer there, the CEO moved to another state with another company, and no matter where I emailed, nothing was emailed back. Phone was disconnected and so was the physical address. See attached emails. The {$370.00} is not the debt I owe for my XXXX XXXX XXXX visit because as you can see from the attached proof, XXXX was responsible for paying it, not me. This must be removed immediately from my credit report. This is false reporting and violentes my FCRA rights. Ive attempted multiple times to resolve it directly with the company to no avail. See my credit report copy from TODAY : this falsely reported collection still shows on my XXXX credit report and must be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC

Complaint:
On XX/XX/XXXX @ XXXX hours Cavalry Portfolio Service received certified letter requesting proof of original application, contract, any and all statements related to this debt, signed receipts, canceled checks, and or documentation containing my original signature obligating me to a debt that the claim I owe. Since, I received a letter dated XX/XX/XXXX stating " the dispute lacked specific facts or information which would allow us to conduct an investigation ''. " Because the dispute alleges no specific information to form the basis for an investigation, we are unable to investigate the dispute pursuant to the FCRA ''. I find this totally erroneous and unacceptable from Cavalry Portfolio Service.. As per the Fair Debt Collection Act, section 809 ( b ), Cavalry Portfolio Service is in violation by continuing collection efforts without providing the requested documentation from the consumer as well as the original creditors information. In addition Cavalry Portfolio Service received a notarized affidavit requesting original documentation containing my signature regarding this debt. Since Cavalry Portfolio Service has failed to provide the requested documentation, I expect this debt to be removed from the all three of the major consumer reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these from my files : XXXX : XX/XX/1971 XXXX XXXX XXXX  XXXX XXXX SC XXXX XXXX XXXX XXXX  XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00}

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 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
My name is 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 2022-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT, I DEMAND THAT ALL OF THE ITEMS LISTED BE REMOVED TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THESE ITEMS 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 2022-04-22
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:
This was not sent is error i am a consumer by law and my information as misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX balance {$460.00} account # XXXX 30 days late in XX/XX/2022 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 2020-08-20
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2021-09-15
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: Experian Information Solutions Inc.

Complaint:
I noticed multiple inquiries on my credit report I do not recognize

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 2022-07-26
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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.It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX 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 2022-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
on XX/XX/2022 I had submitted a complaint regarding Bank of America Business Credit Card Application # XXXX being denied. That CFPB complaint number was XXXX. This bank now has attacked me personally by closing out my personal credit card ending in XXXX through retaliation due to the prior CFPB complaint done on XX/XX/2022. The reason ( s ) listed are bogus and are a cover up just to cover up thier XXXX from any litigation or lawsuit. Its pretty obvious that this bank has retaliated in an effort to " get back at me " for the previous complaint. In regards to retaliation, Bank of America has been sued by many consumers and previous employees for employment and credit retaliation. This is public record. Bank of America needs to be investigated for this illegal act. I am going to take legal action against the Bank because I have had enough of thier XXXX. Please note, I am going to purse for {$5.00} million in damages that are unethical and demand my credit card be re-opened with the same credit limit. I further will sue you for an additional {$1.00} million due to the negative impact your going to leave on my credit report. It will show a closed account done by the credit grantor. Your not going to start damaging my credit score, and credit report with your nonsense. You had no valid reasons to close my account. The account wasnt even open 60 days and always carried a {$0.00} balance. All actions, i have mentioned in the complaint, are going to be pursued and i can promise you, i will see your XXXX in court.

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 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.

Complaint:
delete the hard inquiries XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX please remove these inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
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: ALLY FINANCIAL INC.

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

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

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

4. Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation