hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-04-07
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:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2021-06-24
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/2021 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 30days 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 XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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:
I want to report Identity Theft that has been going on for years. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened. I've sent dispute letters in the past and have been having a hard time getting everything removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
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:
During the week ofXX/XX/XXXX, I reached a settlement on the two credit card accounts I have with XXXX. On XX/XX/XXXX, I paid off both credit card accounts with XXXX for the settlement amounts, ending in XXXX for {$560.00} and XXXX for {$4400.00}. XXXX has reflected the payments I made to the 3 credit bureaus XXXX, XXXX, and Transunion, but refused to report the accounts paid in full and the remaining balance is posted as due and owing. I contacted XXXX on multiple occasions and was told I would be receiving a fax, which never occurred. On the most recent call, I was told the fax would take 10 days from XX/XX/XXXX which is an unreasonable length of time ( over 21 days since payoff, if it is ever sent ). I have previously exhausted the dispute process with the credit bureaus and since no letter was provided by XXXX I am unable to provide written proof of the settlement. Verbally, XXXX acknowledges a settlement was reached and the account was paid. However, they refuse to simply put it in writing on a brief document and provide it to the consumer, and have not updated the accounts as settled with the three credit bureaus. They state it will take 2 or 3 MONTHS to report the settlement! I feel XXXX is intentionally delaying since they have received their payments, and this is unfair to the consumer. I paid promptly upon settlement, XXXX needs to demonstrate the settlement promptly in writing and with the three credit bureaus. I have attached a copy of my triple bureau credit report which reflects the XXXX accounts that are incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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:
Been attempting to solve the issue with the Bureaus and have yet to get a positive response of the matter and Now I am prompted to File an FTC report on the matter. The following accounts are fraud and should be removed from my credit report : XXXX XXXXXXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX XXXX : XX/XX/XXXX : Inquiry : XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXXXXXX : XXXX : Collection : Fraud XXXX XXXX : Inquiry : Fraud XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX  : Inquiry : Fraud XXXX XXXX XXXXXXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX  : XX/XX/XXXX : Inquiry : Fraud US SM BUS ADMIN ODA : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud

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 2020-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.

Complaint:
On XX/XX/XXXX I made a payment towards my school loan in the amount of {$22000.00} to Sallie Mae at the time now they are Navient. I thought this was the total amount to be paid to the loan. However, there was still a balance of {$110.00}. Rather than applying my payment to the entire loan, they held the entire {$22000.00} in an account of their own and pulled payments from it till XX/XX/XXXX. Keep in mind, I had no idea this was being done nor did I ever receive one statement in the mail. They said they emailed statements but that probably went to SPAM because I never heard of Navient. Not until XX/XX/XXXX did I get something in the mail stating I was delinquent on my account. Once I received that notice I immediately contacted them to find out what the problem was. Once I validated their claim I made a payment to them to settle the account. Now after 13 years of holding my money and charging me interest they then made a negative reporting to the credit agency. I had a rating of almost 800 and now it is at XXXX! I don't know how they can legally hold XXXX of money, probably in an interest bearing account that I saw nothing of, and then charge me interest. And never send me anything in writing stating that fact. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
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: Equitable Acceptance Corp

Complaint:
The below is the email I sent to the company, but the supervisor, XXXX XXXX implied it was not likely going to be removed. 

Dear XXXX XXXX XXXX, RE : Invalid Inquiry and request for immediate removal of the same. 

I appreciate you removing the unauthorized inquiry on my credit report listed below. In the event Equitable Acc did have the legally required signed authorization to make this inquiry, please forward it to me immediately. 

I 've never done business with Equittable Acceptance, and do n't intend to in the future. As per our discussion, my ex-wife did do business with this company, but we were not married at the time ( divorced for past XXXX XXXX ) and would not have given Equittable Acceptance authority for access to my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ( Direct ) New Inquiry A new inquiry has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/2017 Alert Type New Inquiry Processed Date XX/XX/2017 Inquirer Name EQUITABLE ACCEPTANCE Phone Number ( XXXX ) XXXX Industry Type Finance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
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: Experian Information Solutions Inc.

Complaint:
As a consumer and natural person, Experian violated my right to privacy my furnishing alleged communication about alleged transactions to third parties. Pursuant to 15 U.S. Code 1681a, Experian has in fact included and communicated authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device by publishing the inquires below on my consumer report. In accordance with 15 U.S. Code 6802, I am exercising my right to OPT OUT of the disclosure of my nonpublic personal information to nonaffiliated third parties. 


XXXX/XXXX  XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  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 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Southwest Credit Systems, L.P.

Complaint:
I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws.

Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) Southwest Credit ( XXXX ) Account # XXXX XXXX Credit Ref # XXXX NOTE : This account had been deleted off my credit report in XX/XX/XXXX. Now they are trying to fraud tactics to put it back on my credit report. 

This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies. 

This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). 

I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation.

In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. 
Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification.

I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting Act, the creditors have violated my rights. Under 15 U.S.C. 1681, section 602, it states that I have the right to privacy. Under 15 U.S.C. 1681, section 604 ( a ) ( 2 ), it also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ), a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I respectfully request that any late payments be removed.

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 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I redeemed reward points with Capital One for a {$100.00} gift card from XXXX. The gift card arrived without the {$100.00} funded. I called Capital One and spoke with a representative named XXXX. After waiting on hold with XXXX for over XXXX minutes, my phone call was transferred back to Capital One 's automated system. I would suggest that XXXX transferred my call purposely as she described my issue as " hard ... due to the complex procedure. '' Due to my XXXX, I don't have time to wait on hold to be transferred endlessly or for an unnecessarily complex procedure. Please either fund the {$100.00} on the gift card that you mailed me or send me a replacement. Upon request, I can provide the gift card number and/or the letter that accompanied the gift card that Capital One issued. The money is for holiday gift purchases- please resolve expeditiously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-04
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: Bread Financial Holdings, Inc.

Complaint:
Noticed this closed account on my credit report that hasnt been removed after amount was paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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: EQUIFAX, INC.

Complaint:
It appears my 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 or information which is 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 discard these files. 
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 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
This debt was settled through XXXX XXXX and I disputed the debt with the company. They were also sent the proof of settlement. They are still holding the account open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
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: Experian Information Solutions Inc.

Complaint:
I have disputed 9 accounts on the XXXX  App to have nine XXXX and would like them to be removed from my credit report. All accounts are closed and effecting my credit score negatively.

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 2023-02-20
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: SYNCHRONY FINANCIAL

Complaint:
I made a payment of {$2200.00} on XX/XX/XXXX. As of today, that payment is not reflected in my available credit. 

I spoke with a online chat and phone customer service representatives on XX/XX/XXXX and I was informed that my credit limit was frozen automatically. The fourth person I spoke to said that if you make any single payment greater than {$500.00}, it is held for 10 days. I asked, " if I made 5 payments of {$440.00} each instead of {$2200.00}, I would have {$2200.00} in available credit? '' And she said, yes. 

This makes no sense. A ten day hold is outrageous considering they've had my money for at least 8 of those days. The 10 day hold harkens back to a time people were mailing in paper checks.

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 2018-05-29
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: NAVY FEDERAL CREDIT UNION

Complaint:
I received a notification that someone had checked my credit report. When i logged into XXXX, I saw that Navy Federal Bank pulled my credit report without my permission. When I phoned them to ask why, they said they routinely check to see if customers are eligible for additional account services. I did not give them permission to run my credit at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.

Complaint:
They contacted me numerous time by phone in 2014. They told me that if I didn't pay then my credit would be damaged. They never showed me a signed contract between them or the original creditor or any proof that I owned this debt. In turn my credit score has dropped and the original creditor listed on the account is not even a location I am or have ever been familiar with. I have paid on this debt and the information on the account is inaccurate and was sold to a third party that I am not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
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 an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX  provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2023-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the fair credit reporting act, the following creditors have violated my rights : XXXX ... XXXX ... ... ... ... ... ... ... ... ... ... .. account # XXXX, XXXX ... ... XXXX XXXX XXXX ... ... ... ... ... ... .. account # XXXX, XXXX XXXX XXXX ... ... ... XXXX XXXX ... ... ... ... ... ... ... .. account # XXXX, XXXX XXXX ... ... ... ... ... XXXX XXXX XXXX XXXX accoun t # XXXX, XXXX XXXX ... ... ... .account # XXXX, XXXX XXXX XXXX XXXX ... ... .... account # XXXX, XXXX XXXX XXXX ... .... account # XXXX, XXXX XXXX XXXX XXXX XXXX ... ... ... ... ... ... ... .account # XXXX, Department of ED/XXXX ... ... ... ... .account # XXXX, XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... ..account # XXXX. 



15 U.S.C. 1681 Section 602A states I have a right to privacy.

15 U.S.C Section 602 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