hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-07-26
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:
Employment Info : Self Employeed XXXX XXXX XXXX XXXX. This is inaccurate and I gave nobody permission to post false information or nay information about me. 

XXXX XXXX XXXX XXXX : This is my account and accurate. Only this Inquiries ..... 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I have not given any of these company 's permission to pull my credit report. This is inaccurate reporting and I want this removed. 
XXXX XXXX XXXX Reported XX/XX/XXXX {$930.00} Outstanding XXXX XXXX XXXX Reported XX/XX/XXXX, {$930.00} Outstanding. This is not my account. This was my ex-roommate 's account with a rental company and other than living in the same house I had nothing to do with. This is inaccurate and ridiculous. This needs to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ( XXXX ) XXXX This is NOT one of my creditors. This needs to be removed asap. 

I am trying to establish my credit and these false and belligerent reporting 's have really messed things up. I hope this gets resolved asap.

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 2022-03-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint:
On Friday, XX/XX/2022 I Spoke with a representative by the name of XXXX who is a representative of XXXX XXXX. XXXX refuses to remove the two delinquent payment status that is currently reporting to my consumer report. I explained to XXXX thoroughly that I encountered these two late payments during the Pandemic of " Covid 19 '' and that this status should be marked as " Current '' during this unprecedented time. XXXX states that XXXX XXXX is unaware of the " Cares Act ''.

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 2019-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint:
On XX/XX/XXXX I received a counter deposit for {$3500.00}. It was a check issued on a CITIBANK account which was deposited on my CITIBANK Account. On XX/XX/XXXX the funds were not available. I contacted CITIBANK via chat line and they told me that they needed to verify the funds before crediting them to my account which would likely happen on Thursday, XX/XX/XXXX. I replied that they could not do so if the funds were coming from a check issued on the same bank. They acknowledged their mistake and said they would have corrected the mistake immediately and credited the funds to my account. They did not correct the issue. It looks like a pattern of intentional mistakes and misleading information to customers to illegally appropriate funds for their own investment purposes.

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 2019-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX, 60 days late in XXXX of XXXX, 90 or 120 days late in XX/XX/XXXX, 120 days late in XX/XX/XXXX, and possibly 120 days late in XX/XX/XXXX - different bureaus report different dates making it ever more confusing. 30 days late again in XX/XX/XXXX or XX/XX/XXXX again discrepancies! 60 or 90 days late in XX/XX/XXXX - more confusion! Either 90 or 120 days late in XX/XX/XXXX - I can't tell!!! and either 120 days late or no payment data for XX/XX/XXXX! then magically back on track! 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
Disputed on several occasions with Experian regarding XXXX XXXX over the past 3 months with no outcome

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 2023-06-14
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: Open Dealer Exchange, LLC

Complaint:
This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : Bureau : XXXX Creditor Name : 700 CREDITXXXX XXXX  Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it.

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I filled a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I havent received any investigation result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
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:
ive tried to deal with the credit bureaus on these matters in several occasions there is fraudulent info on my report and im going to sue due to no other recourse

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 2021-12-22
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:
Equifax is making me very angry and the fact that you are trying to get away with criminal activity makes me take your agency to the media. The consumer reporting agency is INTENTIONALLY ignoring my claim and disregarding my rights. The agency is disregarding my rights purposely because they are saying my claim is to " verify '' or " validate '' accounts when I'm actually pointing out their unlawful practices. Equifax is reporting transactions and experiences which is against the law. The agency is also reporting items that are the result of a credit card. Please note, the instruments that I presented are the reason why they reporting agency is in violation of the laws and they are not allowed to look beyond me exercising my rights. Equifax also didn't respond to my request of the description of the procedures of the investigation because the agency did NOT investigate. The agency deleted accounts from my report because an actual HUMAN looked into my rights so that is proof XXXX broke the law several times and is getting away with criminal activity. The agency is also practicing aggravated identity theft as they are listing information from a company I don't have a contract with nor did I give consent to have my identity. DO NOT take this as a dispute. I am exercising my rights and if you send this demand through a computer, you are practicing criminal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-09-01
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:
In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. Convergent Account #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ACCOUNTS LISTED BELOW : 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 2021-11-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.

Complaint:
Im now aware of checking my credit and removing anything that isnt mine. There is a charge off card from a JPMCB card with a balance and charge off of {$4500.00}. It was opened in XX/XX/2017 and now showing it is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Metacorp LLC

Complaint:
Yesterday myself and my family and friends recieved calls from this debt collector. In the messages left they said they were medicorp which associates with XXXX. Once i called they made me verify information before telling me they do not collect medical but they are collect from a loan. At this point i am embarrassed and upset that they tried to lie and that they contacted random people in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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: EQUIFAX, INC.

Complaint:
In accordance to the Fair Credit Act my rights have been violated please resolve this many times They are violating my rights!! 

15.U.S.C 1681s-2 ( A ) a person shall not funish any information relating to a consumer to any consumer reporting agency if a person knows or reasonable cause to believe information is inaccurate 15.U.S.C 1681 section602a=right to privacy 15.U.S.C 1681 section604a section2= can not funish my account without my written permission 15.U.S.C 1681c ( a ) ( 5 ) LIST OF HARD INQUIRIES AND ACCOUNTS : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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:
XXXX XXXX XXXX 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 a 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 explanation
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
on XX/XX/XXXXXXXX  I filed a complaint that the consumer reporting agencies did not follow the guidelines set in place to protect my rights from my dispute from XX/XX/XXXX, the consumer credit reporting agencies had had 30 days to conduct there investigation on the following accounts : Account name-XXXX XXXX XXXX XXXX Account number-XXXX Account type-Credit card Responsibility-Individual Date openedXXXX Status-Account charged off. {$250.00} written off. {$250.00} past due as of XX/XX/XXXX. 

Account name-XXXX  Account number-XXXX  Account type-Auto Loan Responsibility-Individual Date XXXX Status-Account charged off. {$39.00}, XXXX written off. {$39.00}, XXXX past due as of XX/XX/XXXXXXXX XXXX 

Account name-XXXX Account XXXX Account type-Secured Loan Responsibility-Individual Date opened-XXXX Status-Paid, Closed. 


Account name-XXXX Account XXXX Account type- Other Collection Agencies Responsibilty-Individual Date opened- XX/XX/XXXX Status-Collection/Chargeoff inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They did not complete there investigation in a timely manner, two of the complaints are still open. the CFPB Failed at investigating the consumer credit reporting agencies because it has now been two months, and no closure. Your company is just letting the consumer reporting agencies do what ever they want with no repercussions. Please investigate there practices of just telling consumers that they are not gon na investigate their dispute because it appears as if the consumer did not write it! Since when do the consumer reporting agencies have psychic powers????? if they can just assume what ever they want then there should not be any guidelines at all because its just a free for all without any enforcement. The Fair Credit Reporting Act, The Fair Debt Collection Practices Act Was Written For A Reason And It Is YOUR Responsibility to enforce it, I demand you do so! The CFPB has failed at enforcing the guidelines that are suppose to protect me. The CFPB is now just as guilty as the consumer reporting agencies. I did not give permission for these accounts to be reported, I did not give written instructions for these accounts to be reported, I was not given three disclosers on these accounts. The Consumer Credit Reporting Agencies are using my information without my permission which is identity theft. so since the CFPB is not enforcing these guidelines that would make your company just as guilty as the consumer reporting agencies at committing identity theft. I demand these fraudulent accounts be removed from my consumer file immediately or I will be seeking legal action against all parties involved!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 a 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 2018-01-16
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 has the incorrect spelling of my name and Late payments posted with XXXX XXXX XXXX XXXX Experian reporting inquiries not made and late payments with XXXX XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2022-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BCG Equities, LLC

Complaint:
ON XXXX BCQ EQUITIES LLC XXXX XXXX XXXX XXXX XXXX WI XXXX Filed a lawsuit in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX Room XXXX Case. XXXX XXXXXXXX against me for a XXXX XXXX XXXX debt allegation of {$17.00}, XXXX. 

I requested a copy of the original contract from them and all statements showing how this debt transpired from the date of origin to now and they have failed to do so and continues to harass me through the mail and various fake telephone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/2022 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 by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those 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 de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten 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 non-monetary relief
Consumer complaint received 2020-01-15
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:
On XX/XX/2018 I had a credit score of XXXX. There were no issues regarding a XXXX  XXXX XXXX credit card on my history. After the car purchase, my credit dropped dramatically. After looking into this, I discovered that XXXX had pulled 2 hard inquiries ( 1 without my consent through XXXX ) and suddenly I was getting hit with an issue with a XXXX  XXXX XXXX credit card. I attempted to fight them and explained I never applied for the card. My husband XXXX was the applicant. They argued with me that I was a co borrower of this card. Furthest thing from the truth. I requested proof of my signature for this card and after months of waiting they sent me a scribbled line that they claim was my signature. It was not. My signature card on file with XXXX XXXX XXXX is very legible ; as it is with all my signatures. I feel that because they are a large corporation they are attempting to fraudulently place my name with my husbands battle with them. I never once purchased anything on this card. My husband is currently in conversations with settling with them on his own issues of this card. I am beyond frustrated that it never came up until last year. It has ruined my credit score. I feel helpless and will not accept something that is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
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: EQUIFAX, INC.

Complaint:
This is inaccurate and should not be on my report A company has gotten my medical report, I did not give permission for them to have it nor did I sign for them to have it. This is a violation of my rights.

Company response to consumer: Closed with explanation