hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-09-11
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:
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 on 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 caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-11-04
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: CITIBANK, N.A.

Complaint:
I did not authorize XXXX XXXX XXXX to access my credit file or solicit any finance offer to me in 2021. XXXX XXXX XXXX has used my credit report and gotten access to my credit file without my permission. My credit was frozen. I did not file any application with XXXX XXXX XXXX. I received a phone call from XXXX XXXX XXXX soliciting asking me if I wanted to get a loan with them for another vehicle and i declined their offer. 

I did not authorize CBNA to access my credit file. I did not authorize XXXX XXXX XXXX to pull my credit file. I have never applied for anything with these companies.

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 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I notified all three bureaus that I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.

Complaint:
It actually falls under multiple options. They call my cell phone, my house line, my husbands cell phone, my mothers cell phone my kids under 18 phone numbers all day and night non stop. We have all requested they stop calling. I have even emailed the company telling them to cease and desist all phone calls and to please mail me regarding the debt to settle and close the accounts listed. It doesn't stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates

Complaint:
I have reported numerous disputes to all three credits agencies apprising them of the error made by the UTILITY company XXXX. 

The amount of XXXX XXXX dollars ( {$67.00} ) is in error. I contacted the electric company on or about XX/XX/2020 to inform them of my moving out of state and to discontinue my service effective XX/XX/2020. 

My final bill from the utility was paid in full. 
( See attached final bill ) The utility company retained L.J. Ross & Associates alleging I owe a balance of {$67.00}. Every month L.J. Ross & Associates has been sending " negative '' reports to the credit reporting agencies. 

I request the XXXX & L.J. Ross & Associated cease and desist their actions in reporting this error to the credit reporting agencies.

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 2021-03-01
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: Experian Information Solutions Inc.

Complaint:
I have a ticket XXXX stating it was in Arizona, XXXX XXXX. I have never been to Arizona. My license was stolen and I never was issued a XXXX  at any time.

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 2023-07-01
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:
I had an XXXX store credit card that they recommended me to get and use in the store. When I got the card, I enabled auto pay which stopped working because of some bug at XXXX credit card end. Instead of notifying me, they kept charging me interest and then showed late payments on Experian. A {$30.00} purchase led to drop of over XXXX on my credit score. As soon as that happened i paid off charges and closed my credit card. Since then i have been asking them to fix the wrong record on my Experian report but they havent made any progress.

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 2023-05-08
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: Army and Air Force Exchange Service

Complaint:
I have 3 accounts that have should have aged of my credit report : MILITARY STAR XXXX XXXX XXXX XXXX, TX XXXX USA This should have aged off of my report and also shows payment history when I was not actively paying that account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA I have two accounts that should have aged off my report. Before settled, these accounts were purposely kept active and open in order to accumulate multiple 180 day late payments.

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 2023-08-04
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 14th 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, AZ XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023 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 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: In progress
Consumer complaint received 2021-12-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I have a " medical Debt '' from XXXX XXXX on both my XXXX and Experian reports, I was FULLY insured and proof of such is being uploaded into this dispute!!!! 

How can you justify billing ME and not collecting from my insurance? pure laziness!!!!!! 

They love to throw around that the debt is " Valid '' well lets see PROOF of that not just your lying word that its so called " Valid '' because here is MY proof that I was not only insured BUT that the medical visit was 100 % covered by my insurance company. 

It's far too easy these days for these companies to scam and try to collect, " We find it valid '' WELL OF COURSE YOU DO!!!!!!!! no one thinks its a conflict of interest? THEY do the investigating? ohh well you mean they found it valid? no? you don't say!! 

WELL LETS SEE PROOF!!!!!!

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 2023-08-12
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 submitting this complaint myself and there is no third party involved. I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. These items were inaccurately and erroneously reported. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : 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 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 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 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 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 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 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 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

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 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX Balance XXXX {$0.00} ; 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 2021-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.

Complaint:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT -- 1.  XXXX XXXX with ACCT # XXXX opened on XX/XX/2008 with a credit limit of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
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 have repeatedly asked all 3 bureaus to remove these unauthorized inquiries, XXXX  claims that they were not reporting but as I view my credit reports they are still reporting. There is 0 proof that I authorized any of these inquiries, the burden of proof lies on the bureaus, I demand that these bureaus remove these unauthorized inquires immediately! There are no accounts attached to any of the inquiries that are listed below ... 

XXXX XXXX, XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 US SM BUS ADMIN ODA XX/XX/2020

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 2021-10-12
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: BMW Financial Services NA, LLC

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and BMW Financial Services. The Account Opened is BMW Financial Services Account Number : XXXX Date Opened : XX/XX/2010 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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: Experian Information Solutions 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 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 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.

Complaint:
Equifax is not reporting my data accurately with any credit reporting company. XXXX XXXX is unable to access it. XXXX 3 in one can not pull the data as well. I called Equifax and they had me change my password. The representative told me the companies need to call in to Equifax. Of course the companies asked me to call. Please correct this information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.

Complaint:
Innovis responded to a previous complaint submitted regarding a XXXX account with investigation results for a XXXX account. This shows the lack of proper investigation when XXXX account was originally disputed. I have attached new information to further illustrate how the XXXX account has continued to report inaccurate information further extending the date of removal. Innovis reports that the date of removal will be XXXX, while information reported to the credit bureau XXXX states removal will be XXXX. Which one is it if XXXX is certifying the account information is 100 % correct to each credit bureau? The account should also not report a continuous history after it is charged off. I would like for INNNOVIS to complete a thorough investigation into this account and not mix the account with another and use it as the final investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc

Complaint:
i sent a letter in XX/XX/XXXX asking for proof of account, i never received any documents in regards to the account, and it still reporting on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.

Complaint:
I applied for student loan consolidation through a new provider. The new provider paid all of my previous student loan debts. After the new provider paid Nelnet, Nelnet then added another XXXX dollars to my account ( to which they are also applying interest. ) I called three times asking for an explanation and was given three different answers. ( I always owed this money but it was never reflected on my account, This XXXX dollars was forgotten and never added to my account, if I had done my own calculations for my pay schedule I would have seen that I always owed this much. ) Each time I asked for a detailed account of why I owed this money. It was not provided after the first call, the second call but then after the third call, a pay history was sent explaining why I owed them money. They are now claiming i owe them XXXX and that I should be paying them every XXXX dollars every month - strange payment terms I never agreed to. I would also like to add on, their student loan forgiveness program is fraudulent in nature period as clearly they never had any intention of forgiving any loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
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: Mortgage Research Center, LLC

Complaint:
Veteran 's United Home Loans based out of XXXX, MO pulled my credit report without my authorization. My husband had been working with them on a pre-qualification. I was not involved in any of their previous discussions. 

I did not authorize them to pull my credit report. When I called on XX/XX/XXXX to inquire as to why they did pull my credit several people were conveniently " unavailable '' to talk with me. On XX/XX/XXXX a person named " XXXX '' from the " Production Management Team ''  returned a call to discuss inquiry from XX/XX/XXXX. When I was able to speak with XXXX he informed me that my husband had filled out the online application and had given them permission to work toward a pre-qualification. When I contested his authority and my husband 's authority to grant permission to accessing my financial information his response was, " Your husband is allowed to grant us permission because you are legally married and he has that authority. '' Last time I check, this was not XX/XX/XXXX and I have my own rights independent of my husband and I am the only person who can grant anyone else access to my personal, identifiable information such as social security, HIPPA, etc. This includes access to my credit report. 

Veteran 's United Home Loans infringed upon my personal rights by accessing my financial information without MY express consent. The fact that I am married has no relevance in them not seeking my permission. I was not in contact with them during any point of my husband 's attempt to pre-qualify for a loan.

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