hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2018-08-20
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:
An account with XXXX XXXX XXXX and XXXX was in dispute which unfortunately lead to being sent to collections. The details were worked out amongst myself and XXXX XXXX XXXX and XXXX in XX/XX/2018. They advised that they reported to all agencies that my account is no longer delinquent and not under collections. They advised that credit reporting agencies take up to 90 days to remove but they sent the request already in XX/XX/2018. At maximum, that would mean until XX/XX/2018 would that remain appearing on the report. To date, false information is continued to be reported on the credit report thus impacting my credit score I have worked so hard to improve all due to their delay or lack of following through with applying appropriate information. There are not any derogatory accounts nor are there accounts in collections and I desire for them to remove that indication on all credit reports. It is negatively impacting my interest rates on loans I apply for.

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 2021-02-28
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:
FRAUDULENT APPLICATIONS HAVE BEEN SUBMITTED IN MY NAME & MY IDENTITY HAS BEEN USED WITHOUT MY CONSENT TO FRAUDULETLY OBTAIN GOODS AND SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT.

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 2019-03-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.

Complaint:
I have tried multiple times to talk with these folks to resolve a matter from XXXX that is not mine. They are very rude and unwilling to work with you so at this point I am asking that the debt be removed from credit reports. All 3

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
XXXX XXXX account ending in XXXX I want this account deleted due to inaccuracies and false reporting. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. On Experian the account is reporting 30 days late XXXX XXXX, 60 days late XXXX XXXX 90 days late XX/XX/2017. For XXXX the payment history for this account reflects 60 days late XXXX XXXX  90 days late XXXX XXXX 120 days late XX/XX/2017. I want the account deleted because the payment history is reporting inaccurate and I took the facts directly from the credit reports which I will submit as attachments

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 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc.

Complaint:
YOU ARE BREAKING THE LAW UNDER THE FCRA! 
NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

To Whom It May Concern : I recently received a copy of my credit report, and I noticed an account on my consumer report that is reporting incorrectly. 
The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 
Grain Technology The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681a 2 ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( Grain Technology ). Making the report is NOT INCLUDED on my consumer report! 
Utilization is an experience with a line of credit that was extended between the consumer ( ME ) and the person ( Grain Technology ) that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on my consumer report! 
Grain Technology HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states in NOT INCLUDED on my CONSUMER REPORTS.

You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the account. 



Failure to respond satisfactory with the deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616 Civil Liability for willful noncompliance [ 15 USC 1681n ] Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
Someone found my lost banking info and tried depositing a fake check into my account in 2017. I contacted the bank and also the XXXX XXXX XXXX. Im fed up at this point. I cant open bank accounts nowhere and its frustrating. I need this to be deleted from my credit profile. Bank of America still cant give me solid evidence of this action.

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 2017-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Prince Parker & Associates

Complaint:
I disconnected my services with XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX but they continued to charge me for service up to XXXX/XXXX/XXXX. When I tried to resolve it with them they said they have turned me over to a collection agency. The agency asked that I email them a letter of explanation and copies of the bills in question and I did. They said they would send me an email in 30 days with what XXXX said and their decision but did not think I would owe that. They never sent any email response and after 30 days they started calling again requestng the total disputed amount. When I asked for the email response from XXXX they did not know about any email I had sent or that I was told to expect an email response, and instead continued to persist on paying them. They then threatened me that if you do n't pay today they would send it to the credit agency and it would act against my credit rating. 
This is an illegitimate charge. XXXX wo n't respond to my dispute and the collection agency wants me to pay or will hurt my credit rating and continue to harass me for payment. Please help secure a response from XXXX why they think it is legitimate to hold me responsible for paying them for services after my disconnection! 
Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
TransUnion continues to report a late payment for XXXX XXXX XXXX Acct : XXXX from XX/XX/2016 that never happened. This account has never been paid late and I have requested on multiple occasions ( in writing ) that TransUnion make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.

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 2023-06-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.

Complaint:
I have two store credit cards with Comenity Bank ( XXXX XXXX  and XXXX XXXX XXXX ). Lately theyve been calling 6 times a day so I assumed three calls per each card ( which is still excessive ). However, today on XX/XX/2023 they called me at XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX PM, and XXXX. After they called the first three times, I started blocking the numbers and they started calling from new numbers. I have intentions on paying my bill next week. I just would like the excessive calling to cease. They also are calling from blocked phone numbers all day, but I can not prove its them because it says no caller ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY

Complaint:
XXXX   XXXX   the payment I owed to Target of  XXXX  which was received 6 days late due to a problem that I was not aware of. I was out of Alaska, in  XXXX  and I did not receive any statement from Target with late dues.   When I came back which was in   XXXX   XXXX   I tried to explain to Target that I was out of the country, and was sure that the amount was paid.   They said that the 30 days in which I should have resolved the issue I did n't call ...  ..but how could I be aware that the payment to Target of   XXXX   came 6 days was late?    I tried to resolve the issue with them, but there was absolutely no opening.   Nor there is any opening from their side right now.   They have sent this to   XXXX   which is creating a problem for me.   I would very kindly suggest that you mediate in this affair.   I do not owe anything to Target, there are only charging interests.   Even though I tried to pay the interests for  one  month, for the delay ; they are not considering that either.   Thanks  XXXX   XXXX  Target Account Number  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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, 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 an 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 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On XX/XX/22 capital closed my account with no far warning after making a payment on my account. Theyre in violation of the securities exchange act. I called numerous times but capital one as willfully been in noncompliance. They have damaged me.

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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2023-08-13
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:
Each of the three credit reporting bureaus are allowing written off accounts to be reported as delinquent each month when it is my understanding that as these accounts have been written off, the creditor stops its collection efforts, declares the debt uncollectible, and reports it to the IRS as lost income to reduce its tax burden, as such I do not think this is acceptable practice to allow negative monthly reporting on my consumer credit reports. I have made attempts to contact creditors who were unwilling to disclose account details and/or unable to arrange for payment on the debts, referring me to their legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
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 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 2023-09-07
Product: Credit reporting 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:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL

Complaint:
Hi, This issue is with Synchrony Bank / Paypal credit ( SYN/PPL ) I was laid off from my job in XX/XX/2019. In XX/XX/2019 I organized with paypal credit to be put on a program where I would pay {$65.00} per month on the past due amount I had with them until I got a job again. In XX/XX/2019 after reviewing my bank statements and double checking that the automatic deductions were still in place, I noticed Paypal hadn't deducted anything at all towards payment of my account and the account was now {$390.00} in arears. I called them to ask them about this and we reinstituted the payment plan and I went on the app and set up the payment plan again and paid the {$65.00} immediately. On XX/XX/XXXX I noticed there was an unauthorized transaction for a payment of {$390.00}. I called paypal credit and they acknowledged that I did not authorized it but told me it would take 15 days for it to be refunded. Today XX/XX/XXXX they have reported on my credit that there has been no payment on the account in the past 90 days and that {$390.00} is a charge off and the entire account is a charge off or in collections. This is fraudulent and unfair since I have done my due diligence to try to pay them and set up arrangements I could afford and they are acting viciously and illegally to strong arm me into paying. I called them this morning and they are refusing to properly report that I am not delinquent and remove the charge off.

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 2022-07-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC

Complaint:
I am getting calls that I owe a payday loan debt I dont know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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: Experian Information Solutions Inc.

Complaint:
On XX/XX/2023 I found XXXX transactions ( {$10.00} and {$25.00} ) I did not make for opening new bank account # XXXX ( I did not open a new bank account ). I called the bank ( XXXX XXXX ) but did not receive any explanations or suggestions. 
On XX/XX/2023 I was trying to access my online banking from my mobile device ( XXXX XXXX ) and it was unsuccessful multiple times. I went to the branch of XXXX XXXX in XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ) with my problem and we realized that somebody used my SSN and all personal information to open new bank account under my name. Also they have changed my phone number and email address in my online bank account, ordered ATM card, withdrawn some cash ( XXXX transactions for {$1000.00} each ) from me ( ATM in XXXX XXXX, CA ) also they transferred {$6000.00} from my credit card to new account # XXXX they opened. I had to close my old account, ordered new debit and credit card, changed my username and login for online banking and pin code for debit card. After I left the branch I was trying to access my online banking again using new user name and password and no success again. I went to the branch next day and they said that somebody called and pretended to be me and asked why the account was closed. When they did not answer to security question correctly the operator blocked my new account again.

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 2022-09-22
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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 




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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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: FORD MOTOR CREDIT CO.

Complaint:
Im currently shopping for an auto loan and received a preapproval offer from XXXX XXXX. I also submitted a credit application with XXXX XXXX XXXX to get a lease offer of which a hard inquiry was completed. I was contacted by one of their dealers but they didnt have the car in stock that Im interested in. The sales rep, XXXX XXXX, was trying to convince me to have finance at his dealership also run my credit so they can shop with their partner lenders even though I already have a pre-approved offer. I told him Im not interested in having them run my credit one because they dont even have the car in stock that Im looking for and two because I already have a preapproval offer. The sales person told me he will let his finance department know and will get back to me. A few minutes later, I received an inquiry alert from XXXX notifying me that XXXX XXXX XXXX auto dealership in CA, pulled my credit - without my consent. I did not complete any credit application with them nor did I provide them with my information to authorize a credit check.

Company response to consumer: Closed with explanation