hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-05-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.

Complaint:
Phones on several occasions wondering why my insurance didnt pay. It was an emergency room visit and tests were done. Phoned my insurance company and they asked for the paperwork to be sent again with details about why they did the tests. Since I was in the hospital my insurance or XXXX XXXX XXXX should have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
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: ALLY FINANCIAL INC.

Complaint:
I did not apply for credit with these companies. These companies are listed as inquiries on my report but I did not authorize them to pull mu credit 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 explanation
Consumer complaint received 2022-07-22
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:
I have reached out on several occasions to XXXX because the website they offer for a monthly fee tells me that I cant see my most recent scores from Equifax or XXXX. I have followed the prompt and reached out to both Equifax and XXXX to fix the supposed issue of them having information that doesn't match that of XXXX. They verified that everything I have on their files match each other. But for months now I haven't been able to see neither the Equifax nor the XXXX score or report sine XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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:
XXXX is violating XXXX of my federally protected consumer rights. They have been for over a year, they also put a judgement against me while serving XXXX people that werent me. They are also reporting to XXXX XXXX and EQUIFAX negative remarks regarding me, which is defamation and it is infringing my right to extend credit and i have received medical conditions as a result of the stress and deceitful practice by this Consumer Reporting agency XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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 sent a letter last XX/XX/XXXX to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXXXXXX Balance : {$480.00}, XXXX XXXX Balance : {$150.00}, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5800.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have been 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 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
CFPB + Experian, This complaint is in relation to a credit account this creditor ( XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.

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 2022-09-05
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: Kriya Capital, LLC

Complaint:
I have a Collection for an account on my Credit Report that I did not initiate or own. This is totally false and appears to be a fraud or a scam. I do not have any debt from XXXX XXXX XXXX nor have I ever been made aware of such debt until it appeared on my Credit Report. Credence Resource Management Co. is claiming a debt in my name is owed. 

I can not believe a person with great credit history can be scammed like this. 

100 % untrue and appears this is fraud or identity theft. 

My XXXX Credit Report is the only XXXX of the XXXX Credit Reports ( XXXX, XXXX ) that does not have this incorrect information of a Collection. 


XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BARCLAYS BANK DELAWARE

Complaint:
Collection Agency   XXXX ,  XXXX   XXXX   XXXX  representing themselves as LAW OFFICES representing BARCLAYS BANK DELAWARE. Creditor Claims they could not locate me. I have lived here for 10 years. This bill was paid off in  XXXX   XXXX . The company had previously changed names from  XXXX  to Barclays. I have bank statements showing final payment of {$200.00} in  XXXX  of  XXXX . No other bills were received after that date because the account was closed at my request in  XXXX  of  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 2021-05-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my credit report and it shows the inquiries above are fraudulent and I have a sent a copy of the FTC report to request removal. I have not been successful and I need these removed due to attempting to purchase a home.

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 2023-03-17
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.

Complaint:
Today I called Equifax to cancel my myEquifax account. After keeping me on hold for a very long time, they said they would escalate my request, to complete it. After further questioning, they said it takes " awhile '' to cancel accounts -- so long that they could not complete it while I was on the phone ( despite the very long time on hold ). Moreover, they could not give me any idea how long it would take, and they could not provide any confirmation that my request was even being processed. 

I asked to speak to a supervisor and was put on another very long hold. While still on hold, Equifax disconnected me. 

I tried to get information via their Chat support but was told that that department can not provide any help with myEquifax accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
XXXX XXXX XXXX # XXXX is reporting inaccurately on my credit report. I have settled this debt and I do not owe anything on it. It should not be reporting on my account at all.

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 2020-01-02
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:
Disputed credit inquiries and they keep deleted them and putting them back on my 3 bureau credit report.

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 2019-11-09
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:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OF OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On XX/XX/19 my full balance payment of {$280.00} to Kohls charge card posted to my account 2 days late ( due on XX/XX/19 and XX/XX/19 was legal holiday ). I did not realize that it posted late or that I had accrued a late fee. I thought I had a XXXX   balance. I was not aware of any other statements that stated I had a late fee. 
On XX/XX/19, my XXXX account notified me of a 75 point drop in credit ( from over 800 score previously ). I immediately investigated and found that I had a {$27.00} late fee + {$2.00} interest incurred from XX/XX/19 and called Kohls to pay the late fee charge over the phone. 
Over the past 6 months, I have disputed with XXXX and sent letters to Kohls to get the late payment charge for the late fee removed. The last response from Kohls refusing to change the credit reporting was XX/XX/19. The purchase balance was never 30 days late-it was 2 days late. It was the late fee that I did not know about that affected my credit report. I contacted Kohls last month and they actually reversed the {$27.00} fee that was charged on XX/XX/19 but they will not remove the late payment reporting for that {$27.00} charge plus the {$2.00} interest fee for a total of {$29.00}. I am unsure why I am still being penalized for a late payment for a late payment fee that was reversed. This has taken my credit score from over 800 points to XXXX and affected my ability to get a good interest rate on a refinance ( it is now in my husbands name only since my score affected our ability to get a prime interest rate ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : I recently reiewed my credit report provided by your organization, and I am shocked to find several inconsistencies that are damaging my good name.. I expect this letter to promply resolve the pointed data which is reporting inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. 
Please review the following accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX  Account : XXXX XXXX, XXXX Account : XXXX XXXX  XXXX  Account : XXXX XXXX  Account : XXXX XXXX XXXX I am aware Section 609 requires you to have verifiable proof of this account belonging to me. Please send me a document with my signature otherwirse delete this account from my credit report. 

After you have finished my request, send me a copy of my credit report reflecting these changes. 

XXXX XXXX

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.

Complaint:
I went to the car dealership and applied for a car. I was told my credit was only being pulled by XXXX dealership ( XXXX XXXX XXXX ), however, there are XXXX inquiries I do not recognize and I did not give permission to any of these companies to pull my credit report. There are also credit card inquiries I do not recognize because I never applied to any of the companies listed below. According to the FCRA, hard inquiries that were pulled without my request MUST be removed from my credit report. Please have these unauthorized inquiries removed from my credit report within 10 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. This is my final attempt to resolve this matter before I take legal action. 

XXXX XXXX XXXX XXXX This is not the original dealership ) XXXX  XXXX ( This is not the original dealership ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
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:
Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX XXXX XXXX XXXX never gave XXXX written consent to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of this account. Immediately. I, XXXX XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.

Complaint:
Multiple accounts have been opened or have tried to be opened in my name. 

List follow as such : XXXX XXXX XXXX XXXX on XXXX the XXXX 2021 ( Checking and Savings ) - XXXX XXXX XXXX XXXX XXXX on XXXX the XXXX 2021 ( Checking and Savings ) - PNC Bank Region 1 on XX/XX/ 2021 - Multiple With XXXX XXXXXXXX XXXX from the XXXX to the XXXX of XX/XX/ 2021 - And More PNC Bank on XX/XX/XXXX and XXXX 2021. 

( From XXXX XXXXXXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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:
The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I do not always have access to all of the information that is being reported on my credit report so I feel like I am being take advantaged of. My information was not investigated properly.

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 2020-01-19
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:
The following accounts and credit inquiries listed on my Experian, XXXX and XXXX XXXX credit report are fraudulent and unauthorized accounts and credit inquiries : XXXX   XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX. They accounts and credit inquiries are all fraudulent.

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