hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-03-22
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: Experian Information Solutions Inc.

Complaint:
There are 8 inquiries on my credit report that do not belong to me I have not inquired for any of these I need these off my report. 

Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : EXPERIAN BUSINESS CRED Inquiry Date : XXXX XXXX, XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry  Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry  Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : 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 2021-09-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL

Complaint:
I am being called by XXXX XXXX, who's original creditor they work for is Synchrony Bank. This collection agency " XXXX XXXX '' is the definition of harassment. I am being contacted 3 - 5 times per day, at all hours of the day. You can not reliably block their IP phones because if you block a number, they simply modify the number from their set list and contact you again. 

I have asked many times for them to quit contacting me as I am already debating litigation against the original doctor that the quarrel/financing is about. If they wish to pursue legal action, I encourage them to do so, but I will not tolerate being called all the time, every day, by spoofed numbers. I would very much like to request consumer finance to help me look into this on behalf of myself and my family residence. Not everyone can immediately pay things that another entity claims they are owed, especially when litigation may be potentially involved. This does not mean we should have to deal with harassment every day, either. It's just the way of the world.

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 2022-10-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
Portfolio Recovery Associates Inc was removed from my credit report and re added to my credit report at a later date hindering me from receiving new lines of Credit. Have always had Credit cards with the company they are claiming I own and my accounts have 100 % payment history. Which means there is no way any accounts went to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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:
This will be a respond from an earlier complaint ( ID # XXXX ) I filed last week. thank you for the quick turn around. I received a copy of my EXPERIAN Consumer report after the first complaint. I see multiple names, addresses and Social Security Number. I disputed those information on my report back in XX/XX/2021 with no resolution. A copy of my report will be uploaded below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
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: SUNRISE CREDIT SERVICES, INC

Complaint:
I submitted an investigation letter, specifically requesting certain creditors. My request was sent on XX/XX/2020. Around XX/XX/XXXX, I received a letter stating that XXXX refuses to do any further investigation unless provided with proof. The problem with this response is as follows : 1. The creditor ( s ) have not validated the veracity of the records. Obviously, thats why theres a inquiry. 2. The responsibility of this institution is to provide accurate records to third parties. Obviously, theres a gap in that directive. 3.  This institution is obligated by law to investigate, require proof from the creditor, that validates their record. There are gross disparities in this system. Not to mention discriminatory practices based on race, sex, and economic status.

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 2022-03-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. XXXX requesting removal of accounts and/or monetary compensation due to violations of my rights. XXXX currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore XXXX requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
There are inaccurate information that does not belong to me on my consumer report. All of the listed items are put on my consumer report without permissible purpose and or related to fraud. Attached will be the FTC report and police report that I have obtained by XXXX XXXX Police department.

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 2020-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL

Complaint:
In XX/XX/XXXX, someone stole my identity and used it to open a pay pal credit card issued through Sychrony Bank. I didn't find out about this fraudulent account until XX/XX/XXXX, during the underwriting process for a home loan to purchase my first home. This fraudulent account dropped my credit score by 250 points and the purchase of my first home fell through. Naturally, I contacted the bank, the credit bureaus, the police department and the FBI website ( www.IC3.gov. ).

I believed I had taken all the necessary steps to have my name and credit cleared of this theft/fraud. Today, I learned that an investigator for Synchrony Bank had denied my claim and closed the fraud case because Synchrony bank had sent a statement to the fraudulent person at their address, not mine, and that person then made a payment on the fraudulent account.

The investigator assumed since a bill was received and payment was made there must be no fraudulent action and closed the case.

Synchrony never updated their system with my actual information that I provided them when I discovered the fraud. Of course, whoever stole my identity is going to receive mail to the address they provided! My  credit has been destroyed, this company is the antithesis of helpful. I am homeless. My credit is destroyed and this makes renting and buying almost impossible. I am living with my parents because of the lack of accountability within this company.

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 2020-07-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY

Complaint:
Being in business for 44 years I made an application for Paycheck protection program for {$4100.00} in XX/XX/2020 with Wells Fargo bank with whom I have had 2 XXXX  checking accounts for over 25 years ( the bank used to be called XXXX XXXX then XXXX before it was sold to Wells fargo ). I finished the application, uploaded all the supporting documents on XX/XX/2020 and Docu-signed it. I did not hear from them at all. They did not provide any contact information and asked customers not to try to contact them. I am afraid Wells Fargo might have stolen the fund from me just like years ago on 3 different occasions that I had noticed monies were missing from my 2 XXXX  accounts. Their branch employees and managers who later suddenly disappeared had no explanations on why and how money was taken from my accounts until we found out later about the big Wells Fargo scandal in the news.They never returned the stolen monies to me.

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 2022-12-03
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with explanation
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 — Investigation took more than 30 days
Company: Kingston Financial, LLC

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.

Complaint:
Over the last several months I went over the limit on my XXXX XXXX XXXX XXXX card by Citi. Nothing was said for many months and I continued to make the minimum payments or more when possible. In XXXX they wanted the entire overage paid which I didnt have so I sent more than the minimum from the previous month, they called and said that wasnt the minimum and as a result I was Past Due I needed to send them an additional {$200.00}. This is not anywhere on the statement. They also bumped the interest to 29.99 %, almost double what it was because I was past due although they got the payment I believed was due on time. In XXXX I paid as much as the 2 payments from the month before on time and now they again say I am past due and want another {$200.00}. They agree that they got my payment on time but say it isnt enough? The statement says the minimum payment is the entire amount over my limit, but when they call, they have this other number they use. It appears they do this so they can keep me at the higher interest rate. What are my rights? Do they have to communicate these numbers to me? They allowed me to go over the limit for months, then decided they wanted it all. I am working on getting it paid off, they are only making it more difficult and in the process destroying my credit. Please help!

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 2022-10-05
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:
I paid off my car loan early with a cashier 's check from XXXX that was deposited by XXXX to their XXXX XXXX account. XXXX is unwilling to credit my account or resolve this issue. Now they are negatively reporting to credit agencies. I've provided Experian with the deposited cashier 's check ; however, they are unwilling to remove the negative remark on my 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 non-monetary relief
Consumer complaint received 2022-09-26
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
TRANSUNION INTERMEDIATE HOLDINGS INC & all variants of, XX/XX/2023 TRANSUNION INTERMEDIATE HOLDINGS INC & all variants of, I expect EXPEDITED removal of the Fraud Alerts, Etc. on my XXXX, TRANSUNION INTERMEDIATE HOLDINGS, INC., and XXXX XXXX Report. along with ALL VARIANTS OF EACH ENTITY.. 


This letter is to request the removal of the fraud alert 's etc, from my personal consumer report REMOVE IMMEDIATELY - Consumer Statement : # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT XXXX XXXX XXXX XXXX REMOVE IMMEDIATELY - Consumer Statement : # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( 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 2017-05-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Firm of Katz and Associates, PLLC

Complaint:
the company sued me for the debt in   XXXX   XXXX   XXXX   XXXX   XXXX   on   XX/XX/2012 . an d the debt I should not be sued because I had a case in   XXXX   XXXX   XXXX   the case was   XXXX   and I had to se rve 11 months in   XXXX  an d 5 yrs   XXXX  but I violated the felony probation and was resentenced to the   XXXX   XXXX    XXXX  in the   XXXX   XXXX   XXXX   XXXX   the law I violated is   XXXX   and I had  XXXX  previous convictions so I had t he 2yr atta ched to the 3rd NSF Checks < 100.00 but >500.00 the prosecutor filed a request for a subpoena of my bank records and came a list of the checks I wrote and this check I am being or was sued for is in my felony case the   XXXX   is the civil case and should be not sued for and was  5yrs  old when that case happened and it is no w 10yrs o ld

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2020-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.

Complaint:
I have contact IC Systems and the credit bureau to share that this debt in the amount of {$3300.00} is not mine. This is my spouses debt. He received XXXX XXXX from XXXX XXXX and signed to pay for the dental work and is legally responsible for the debt. XXXX just recently followed up on this dispute and closed the case shared that it is valid when it is not valid.

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 2021-11-14
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 — Was not notified of investigation status or results
Company: CAVALRY INVESTMENTS, LLC

Complaint:
I've been in contact with Cavalry Portfolio since XX/XX/XXXX they are located at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX they have been reporting on my credit report for an amount of {$430.00} I don't know this company and never done any business with this company I've asked them to provide the following ; -What is the money you say i owe you is for - Explain and show me how you calculated what you say i owe -Provide me with copies of any paperwork that i agreed to pay Cavalry SPV I, LLC said debt -Prove that the statute of limitations has not expired on this account -Show me that you are license to collect debt in my state -Provide me with your license numbers and registered agent or agent service -Provide proof of my signature that i owe you this debt the only response was that they conducted an investigation and found that I owe said debt and sent false statements with my name but with no signature

Company response to consumer: Closed with explanation