hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-07-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I have contacted the bureaus numerous times informing them that account for XXXXXXXX XXXX XXXX, Acct # XXXX is reporting inaccurate information on my credit report. It is a Charged Off/Closed Account with a Past Due amount of {$2200.00}. Reporting this is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed and after 3 months of requesting that they do so they are still reporting inaccurate information with numerous other violations of inaccurate information as well to which it is severely hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
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 am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : XXXX XXXX XXXX / XXXX Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2020-08-05
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: BOEING EMPLOYEES CREDIT UNION

Complaint:
XX/XX/XXXX to present. Creditor, Boeing Employees Credit Union, is reporting outdated information in remarks which are reflected on XXXX XXXX credit report. 
XXXX BOEING EMPLOYEES CU # XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : AUTOMOBILE Balance : {$0.00} Date Updated : XX/XX/XXXX Last Payment Made : XX/XX/XXXX High Balance : {$19000.00} Pay Status : Current Account Terms : Monthly for 60 months Date Closed : XX/XX/XXXX Remarks : CH XXXX REAFFIRMATION OF DEBT ; CLOSED XXXX XXXX - XXXX. Creditor, BECU is reporting in comments that the account was reaffirmed in a Chapter XXXX ( filed XX/XX/XXXX and discharged in  XX/XX/XXXX ) and the account is closed. Credit reporting agency is showing these credit comments. 
XXXX XX/XX/XXXX Credit Reporting Agency and Creditor were requested via telephone call and dispute process to remove the outdated remarks being reported. A Chapter XXXX was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Creditor account was opened in XXXX and paid in full in XXXX. 
XXXX XX/XX/XXXX Creditor phone call regarding email. Creditor refuses to remove remarks because they claim it is accurate. The information is outdated and reflects a Ch XXXX after 10 years and discharged. 
_______________________________________________________________________ XX/XX/XXXX Credit reporting agency continues to show the remarks from the creditor who refuses to remove the remarks and the remarks are reflecting outdated information about a Chapter XXXX over 10 years old. 
_______________________________________________________________________ Per the Fair Credit Reporting Act, consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than  seven years old or bankruptcies that are more than 10 years old. In  this case, they are reporting the remarks from the creditor that shows CH XXXX bankruptcy after 10 years discharged. The creditor and the credit reporting agency will not remove the outdated bankruptcy Chapter XXXX remarks, although accurate, I did file a Chapter XXXX and reaffirmed the debt in the bankruptcy, but the information is outdated ( a violation of the FCRA and discriminatory towards me, as it is reporting a Chapter XXXX over 10 years after the filing and discharge in XXXX - in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-04
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: SYNCHRONY FINANCIAL

Complaint:
Good Morning to whom it may concern I am writting regarding an Complaint that I have with XXXX and XXXX. The account in question is XXXX/WALMAR XXXX high limit {$700.00} and XXXX {$500.00}. I have disputed this account with both bureaus, the furnisher, and the collection agency. I recieved a letter stating that no other action of collection will be taken, and a request for deletion will be sent to the bureaus. But no such deletion has taken place. I have uploaded this same document as supporting detail. I ask that you please have these bureaus delete it off of my credit report as it is in violation of FCRA and the Fair Debt Collection Practing Act, and it is causing strain on my credit score and ability to have credit. Thank you for your 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 2020-07-14
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:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30 - 60 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) Also, XXXX is reporting this account in duplicate. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates, as well as a duplicate account, is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-11-24
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: EQUIFAX, INC.

Complaint:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
THIS COMPANY IS LISTED ON MY CREDIT REPORTS. I HAVE ASKED FOR THIS DEBT TO BE VERIFIED FROM THE ORIGINAL CONTRACT BEARING MY SIGNATURE.PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES I DEMAND VERIFICATION. THIS DEBT IS LISTED AS A COLLECTION ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
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 am also beginning the process to file a civil suit because I have sent letters and certified them to experian about the inquiry about seven months ago by XXXX  XXXX XXXX. I never authorized the inquiry. 
I have been refused any and all supporting documentation so that I can find the cause of the inquiry. 
I have been refused the IP address of the computer used. 
I have been refused a copy of the application

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 2023-08-02
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: In progress
Consumer complaint received 2023-04-12
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:
It has come to my attention that the credit bureaus keep sending me letters that the accounts I am disputing are returning as verified as accurate HOWEVER I HAVE ASKED for the credit bureaus to send me wet signature proof that the account belongs to me I have notfied in numerous occasions that I was a victim of of identity theft and feel as I am being unheard. 

Besides this the credit bureaus have a lot of inaccuracies as they do not match across the board which means they are not doing their diligence work Please investigate my case I am attaching my credit report discpancies, identity theft report and letter of what I am disputing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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: Experian Information Solutions Inc.

Complaint:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-04-07
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:
My name is 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 2020-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I never had a XXXX account nor XXXX XXXX XXXX XXXX XXXX account. Nor for the past 7 years have I made any inquiries or tried to get new credit

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 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-01-05
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: Experian Information Solutions Inc.

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 which are 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 block/remove 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 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 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 explanation
Consumer complaint received 2018-06-03
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:
Collections on my credit report inwhich I have no knowledge of, the following accounts has been disputed, however, I was never provided any physical verification as promised by the FCRA. According to the FCRA if the disputed items is not backed up with physical verification then them accounts shall be removed. The following accounts are XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
XXXX XXXX XXXX XXXX coded my credit report on all 3 credit bureaus 30 days late for XX/XX/XXXX. My XXXX XXXX was due on XX/XX/XXXX, which is due on the XXXX day of each calendar month. I paid my XXXX XXXX payment on Saturday XX/XX/XXXX in the monthly due amount of {$550.00} on the XXXX XXXX XXXX with is corrected to my XXXX XXXX XXXX Account, the payment posted and was deducted from Checking Account on Tuesday XX/XX/XXXX. I have attached a copy of my XX/XX/XXXX Checking Account Statement supporting my compliant. My payment was not 30 days late.

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: 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 XXXX Account : XXXX XXXX XXXX XXXX XXXX - XX/XX/22 - {$900.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/22 - {$230.00} XXXX XXXX XXXXXXXX - XX/XX/22 - {$170.00} XXXXXXXX XXXXXXXX XXXXXXXX - XX/XX/22 - {$180.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 2019-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Company

Complaint:
This complaint is about XXXX  XXXX  not telling me in advance how much my prescription of XXXX  was going to be in advance before shipping out.  (According to my physicians office no other specialty mail order company ever ships an expensive drug to the patient with out getting a payment from the patient first) and also not going over with me how the co pay card that XXXX  gave me to use so that I could afford the drug to begin with.    XXXX   XXXX  had made an agreement with my husbands employer to not allow the co pay card to go towards our deductible.  I never saw this new rule nor was it ever explained to me when I started using the drug and the co pay card.  I was told that by using this co pay card it would take care of all of my out of pocket expense for being able to afford XXXX. 
	
So I started using XXXX  going through XXXX  XXXX I believe in XX/XX/XXXX.  I’m not exactly sure when I started seeing a bill, but I didn’t really pay attention to it because I was told that my co pay card would cover my bill.  I never was told that I couldn’t receive XXXX  until I paid for it.  The drug was always mailed to me.  I never gave it a thought until I started receiving statements saying “Due upon Receipt”  That prompted me to call.  Then to my surprise, I was told that I actually did have a balance a rather large balance of $XXXX this bill was from XX/XX/XXXX, I called them on XX/XX/XXXX.   Up until this point I was still being sent the XXXX  without a phone call or interruption of my medication until I tried to order it again on XX/XX/XXXX.  Then I received a text saying “The copay for your medication has changed.  Tap the link to confirm the new amount so we can ship: 

When I called I was told my account was sent to collections and I would not be able to receive my prescription until I had a reference number from the collection agency.  I had to stop taking my medication cold turkey.  I was so upset by this news that I actually got a XXXX   and wasn’t feeling well for a couple of days.

XXXX is needed for my condition that is so bad that I actually XXXX  the XXXX  in my XXXX (XXXX) XXXX.  Which is the reason I needed to go on the XXXX  XXXX.  I had to have XXXX   on XX/XX/XXXX to repair the XX/XX/XXXX after which I needed XXXX XXXX  to learn how to use my XX/XX/XXXX again.  I was told I needed a XX/XX/XXXXto keep this from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX  DE XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation