hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-08-17
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:
Per 15 USC 1681G ( A ) 1, 15 USC 1681A ( 1 ), 15 USC 1681 ( A ) D ( 2 ) ( A ) ( I ) : MY RIGHTS HAVE BEEN VIOLATED AND IGNORED! 


I want this auto loan deleted from my credit report immediately. I have asked for about 1 year now for it to be removed. This is does not belong to me. It is fraud. XXXX XXXX has yet to provide verification of this alleged debt. I have requested every document they have with my name and social security number attached to be sent to me and they refuse. They have violated my privacy by sharing my personal information with other agencies without my consent, they have damaged my employment and other opportunities to extend credit, committed identity theft against me and did not provide information on how to opt out of third party sharing of my private information. This is a violation of my consumer rights. 

Delete and never repost this account on my consumer reports ever : XXXX XXXX Do not claim this is not me. I have sent my id attached as well. That is a stall tactic that you use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
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:
Company : XXXX XXXX XXXX XXXX Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist. 
I have attached a copy of the final payment letter and from what is written they sure they will remove it from my credit report and never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
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:
On XX/XX/XXXX, and XX/XX/2021, I made {$1000.00} and {$15.00} payments to my Visa credit card with XXXX XXXX XXXX. I checked my Credit score through XXXX XXXX, XXXX, XXXX, and Transunion on XX/XX/2021, My XXXX score decreased by 11 points because XXXX XXXX XXXX refuses to update the correct information. I spoke with a representative, named XXXX from XXXX, and I was told that my score decreased by XXXX reported on XX/XX/2021, that I did not make payment and showed a high balance. I called XXXX and inquired why they did not report the correct amount on XX/XX/XXXX, and I was told that I had to wait until XX/XX/2021. I have applied to several employers in the month of XXXX and I believe this has caused me not to receive interviews for jobs. This is unfair and I believe it violates my rights. I would like to file a suit for compensation. Please help me with this situation, I need employment!!!

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 2019-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.

Complaint:
Called I.C. System to pinpoint what exactly was owed to XXXX XXXX because the account was paid off. XXXX XXXX received all their equipment and the account was cancelled on XX/XX/2018. I asked what the debt was for, I.C. Systems couldnt tell me what the debt was for. I also let them know we received no bills, so why would it go straight to a collection agency. Again no substantial answer. I thought perhaps there was fraud going on, so I called XX/XX/XXXX and the collections department assured me that we owed nothing and the account was closed. The young man said to go straight to the FTC and report it, it sounds bogus since I.C. System couldnt give any answers.

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 2018-12-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA

Complaint:
The Obama administration promised public service loan forgiveness beginning with repayments starting in 2007 in conjunction with work at a qualified institution. 

I have worked at a qualifying institution for 12 years. I have never missed a payment. I filled out the public loan service paper work and have been informed that I need to choose a new repayment plan and start over for the next ten years. 

How does one know what plan to be in? I recall practically no information being given when I started this fiasco over a decade ago. Why didn't the government provide me with proper guidance? Regardless, I recall having paperwork a decade ago saying I was making qualifying payments. Now the Dept of Ed is saying I made " no qualifying payments '' ever. 

My loan was handed to XXXX many years ago ( without my input ) and it has been down hill ever since. 

I feel deceived and cheated by the very government that promised forgiveness all those years ago.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
Dear CFPB, I am writing to request the immediate removal of credit accounts associated with XXXX  account # XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX to report my information, as required by 15 USC Code 602 ( a ).

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
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:
This account has a XXXX balance and was paid to XXXX XXXX XXXX via Federal Income Tax Return being garnished in 2012 and I am constantly being harassed saying I have an open account with XXXX XXXX XXXX when I don't have any active contracts with this company. There is a XXXX   balance as seen attached. Please have company delete both accounts as they are paid in full : Account # XXXX Account # XXXX Thank you, XXXX XXXX Last Four SSN # 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 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
I have filed disputes with the credit bureaus in regards to several accounts listed on my credit report. On XX/XX/2022 I sent in off a investigation letter to check the accuracy of the accounts on my report and to make sure my accounts were properly investigated and XXXX XXXX accurate. The credit bureas reported that the following accounts were accurate XXXX XXXX XXXXXXXX {$1700.00} {$340.00} {$4900.00} {$3000.00} {$5100.00} {$5200.00} {$2500.00} {$2600.00} {$1200.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$550.00} XXXX XXXXXXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXX XXXX The credit bureau violated ; 15 usc 6802 section A, B, and C ; 15 usc 1681 a section i ; 15 usc 1681 section b. The law clearly states that a consumer reporting agency can not furnish a account without my written instructions. I havent given any written permission to furnish these accounts on my credit report. I am asking for a removal of all accounts listed.

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 2022-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I hired XXXX protection in XXXX to assist me with my credit in XX/XX/2022 because old debt was resold to creditors after already being paid off. 4 letters have gone out to the credit bureaus to rectify the situation. Transunion has not complied with the request and my credit score is still being effected with previous paid off debts. I have disputed the debt with TranUnion to take off the debt of XXXX Bank in the amout of {$1800.00}, XXXX XXXX And XXXX for XXXX XXXX XXXX in the amount of {$2400.00}, and XXXX XXXX Bank in the amount of {$2700.00} 4 times now.

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 2022-03-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
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: TCF NATIONAL BANK

Complaint:
I had a TCF bank checking account. However, somebody stole my identity and money was taken from my account and made it go negative. I notified TCF and they conducted an investigation. They concluded the investigation and said all I needed to do was sign a notarized affidavit with my signature. Once I did that I heard nothing back. My account was still in overdraft negative $ XXXX. I called back and they said nothing can be done because it was already sent to a collection agency. I told the fraud expert that I completed exactly what the branch manager at my local location needed me to complete and signed the affidavit saying I was a victim of fraud and IDENTITY THEFT! The fraud department said there was nothing they could do because it was already sent to collections. I told them that they are reporting false info to the credit bureau. ( XXXX XXXX XXXX IS THE NAME ) That false information has made it impossible to get a bank account anywhere else. Ive contacted XXXX and they did their own investigation and I told them all the facts as well as let them know I signed a notarized affidavit. However the investigation concluded the info documented on XXXX was correct. I was saddened and it feels I have nowhere to turn. I feel like the bank is making a personal effort to take the negative situation that happened to me and blamed me for it. XXXX does not want to remove the false info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.

Complaint:
Experian is reporting false information and has not been updated since 2018. This debt is not owed and is not reported on either of the other 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 non-monetary relief
Consumer complaint received 2017-08-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA RECOVERY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
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:
You have the wrong address being reported to all 3 credit reportimg agencies. My only address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. The XXXX XXXX address belongs to XXXX XXXX XXXX   Also as show of goodwill I would like all 4 late payments removed as payments are now being made on time. I would like to purchase a house and tgis is hurting my credit. Please remove all 4 late payments as follows : 30-59 days-XX/XX/XXXX and XX/XX/XXXX 60-89 days- XXXX and XX/XX/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 2023-06-17
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY

Complaint:
I applied for a Wells Fargo credit card # XXXX and was denied. My XXXX rating is Excellent at XXXX. I currently have two credit cards with balances. A XXXX credit card with a {$650.00} balance and a {$22000.00} credit limit and a XXXX credit card with a {$1200.00} balance and a {$2000.00} credit limit. I also have another XXXX  credit card with a {$68000.00} credit limit and XXXX balance, a XXXX  XXXX with a {$43000.00} credit limit and XXXX balance, XXXX XXXX with a {$25000.00} credit limit, XXXX balance, a XXXX XXXX XXXX wit a {$5000.00} credit limit, XXXX balance, a XXXXXXXX XXXX XXXX XXXX  with a {$3000.00} credit limit, XXXX balance. I believe my utilization rate is well below 3 %. I pay off my balances when they are due and I have never missed a payment in my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
This company ( Portfolio Recv Assoc ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood  Woman with my XXXX Given name ( XXXX XXXX : house of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXXn> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
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: OneMain Finance Corporation

Complaint:
My rights have been violated due to their negligence and non compliance with federal law. There was no authorization given verbal or written given consent to release any information on my behalf.I am willing to settle this matter without any admitted liability. I am demanding compensation for each one of these violations and I am demanding a deletion from all consumer reporting agencies.

Company response to consumer: Closed with explanation