hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-12-28
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

- XXXX XXXX XXXX Acct # XXXX - XXXX XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX .... 
XXXX XXXX XXXX XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX .... 
- XXXX XXXX Acct # 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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-26
Product: Credit reporting 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized, false and fraudulent reporting inquiries made by the following companies : Inquiries in Dispute : XXXX. XXXX, Delete this Inquiry for fraudulent reporting becuase You have not shown you had obtained Permissible Purpose which is a clear violation of the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. The XXXXnquiry was reported on XXXX XXXX. XXXX XXXX XXXX, Delete this Inquiry for fraudulent reporting becuase If the creditor couldn't send me anything, then what are you using to verify this inquiry? The Inquiry was reported on XXXX XXXX XXXX XXXX, Delete this Inquiry for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately The Inquiry was reported on XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; TransUnion, written permission or my consent to furnish this information onto my credit report or consumer credit file. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Enclosed are copies of ID and proof of mailing address. 

Thank you for your time, 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 2023-01-14
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:
Please see attached all 3 bureaus inaccurate reporting. Fair Credit reporting Act allows me to have a right to accurate reporting. Please investigate the attached bureaus

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 2020-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP

Complaint:
About 5 years ago unbeknownst to me, my late wife acquired a few credit cards and ran up some debt. She passed away 4 years ago which is when I found out about this. I spoke to Consumers Financial Protection Bureau and was told that if 1 ) I didn't apply for the card, 2 ) never used the card, and 3 ) don't live in a community property state, I am not responsible for her debt. Using this information all of the credit card carriers, XXXX, etc. wrote off the debt. However US Bank eventually wrote it off but now they are calling me constantly, even after I asked them to put me on their " Do not Call " list. I understand they can be fined for that. They call from XXXX. It may be a collection agency. My credit score was hurt and still is with XXXX, XXXX who show i have 9 late payments with them. XXXX has my FICO score at XXXX where it belongs. Can you help me? Respectfully, XXXX XXXX XXXX cell XXXX. I'm going to be XXXX years old and the phone harassment bothers me. Thanks

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 2020-07-21
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2023-02-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc.

Complaint:
I've been victim of ID theft. OnLine information services has tried to collect a utility debt on behalf of XXXX XXXX XXXX XXXX XXXX. 
This account was opened fraudulently using my name and SSN. I have informed OnLine Information Services about this as well as opened a report with XXXX XXXX XXXX XXXX and I have provided all the information requested. 
Even though all the requested items were delivered, OnLine Information Services continued collection efforts and affected my credit report and score by reporting the collection with all XXXX  credit bureaus while the investigation still on going. They did that even though they received from me the letter from FTC about the ID Theft and the letter called " Notice to Furnishers of Information : Obligations of Furnishers under the FCRA '' where clearly they are obligated to respond to consumer claim in a timely manner and stop all collection efforts during the investigation is in course, including reporting to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.

Complaint:
In XXXX of XXXX I submitted an application for Public Service Loan Forgiveness to my loan servicer Navient. On XX/XX/XXXX, I was notified by Navient that my loans were being transferred to a different servicer. My payment date was XX/XX/XXXX. I tried to logon to my account and make my payment before the due date but was informed that I could not make a payment because my loans were being transferred to another servicer. I was unable to create an account with the new servicer until XX/XX/XXXX when I received correspondence from the new servicer. On XX/XX/XXXX I made the payment to the new servicer, the payment was processed on XX/XX/XXXX. The payment was delinquent. On XX/XX/XXXX I received notice from my new servicer, XXXX, that I was not eligible for a direct loan rebate because I had made a delinquent payment in the first 12 months of repayment. When I called XXXX on XX/XX/XXXX, I was informed that I could have made payment to Navient prior to my loans being transferred to XXXX. I was not informed that I could payment to Navient, and in fact was not able to make payment to Navient and am now ineligible for the direct loan rebate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL

Complaint:
I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.

Complaint:
I had a chase sapphire credit card til 2020 with XXXX credit available. I had to dispute charges thst I did not make chase got mad tried to say I feauded the that I frauded them etc I had a roommate whom later got put in prison and had access to my cards while also having various police reports made of breaking I tried ti apply last week for a chase visa card the lady could not tell me why I was denied I suggested discrimination since I am a single XXXX mom she Saud maybe I'll have to see, she heard me saying I was going to record the call she told me to stop so I did after she told me I was turned down for two years or newer credit cards abd also too many inquiries which I knew was a lie since I have credit karma, so after when I said its not true thst my credit report is good etc she got very nasty towards me and tried to deny ever saying and agreeing it could be XXXX thus is sickening and offensive XXXX XXXX XXXX who is not XXXX I married a XXXX man from my last marriage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PNC Bank N.A.

Complaint:
I was contacted by XXXX XXXX of XXXX XXXX XXXX from ( XXXX ) XXXX telling me that they were a 3rd party and telling me to contact XXXX XXXX  XXXX at XXXX. I was also given a case number to use when I called. I called XXXX XXXX  XXXX and gave them the case number as reference. I was directed to XXXX XXXX. He said that they were a law firm located in XXXX and he was at the main office. I was informed that they were trying to collect a debt from National City Bank that was almost XXXX years old. He said that they had tried to send me a certified letter and I wasn't there so another attempt would be made that day, which was XX/XX/2022. He had no information regarding when the first attempt was made. I told him that I had checked with all the credit rating agencies just last year and didn't see that debt listed and got short with me. I called him back after realizing that the statute of limitations for a car loan was 4 years in XXXX  which is where the loan was defaulted on and 5 years in XXXX where I now live he got very angry and derogatory. I do not believe this to be anything more than a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.

Complaint:
On XX/XX/XXXX, I took out an {$8000.00} private signature loan through Sallie Mae and XXXX XXXX XXXX with my grandmother as a co-signer. It became the biggest mistake of my life. 

This spiraled out of control as I was being sent letters now from XXXX for years before Navient as I was eventually getting phone calls from XXXX in XX/XX/XXXX, who somehow gave it to Navient inherited that debt somewhere in XX/XX/XXXX. 

Navient bought my Sallie mae " private signature '' loan and consolidated it into a federal obligation. 

I have tried to have this taken off my credit - but XXXX  and XXXX  listen to whatever Navient says. 

-Not one " servicer '', or any of its agents, ever, offer any clarification of why my private loan was somewhere else or provided any education me on my rights as a borrower in any of our phone discussions before being handed-down fr om one servicer to the next. - compare and contrast my ever-changing responsibilities for repayment. Not one e-mail, not one recorded phone call. - Explained how and where to get help if you need it - Provided knowledge on how to protect my credit rating - Reviewed deferment options - Highlighted the seriousness of defaulting and what will happen if that occurs -Provided any sort of reasonable repayment options other than forbearance. 
Or showed possible loan forgiveness options Nothing. 

Navient is listed as an " educational loan '' with 34 charge-offs on my credit report, yet, it's a 16- year old private loan that got manufactured into this federal loan from Sallie-Mae/ XXXX XXXX XXXX , I have yet to see a signed a promissory note and was unaware of " exit counseling " until I recently. 

It has impacted my life emotionally and financially I never understood what was going on and was never aware of alternative options that would benefit me greater than what they had in mind. They have marked me down for 39 charge-offs? 

I have tried speaking with Navient, but they get rude, XXXX listened and investigated before removing the item ; I ask XXXX and XXXX to explore deeper. 

I want to be able to not have this on my credit anymore. I am paying for other people not doing their job and not doing the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA

Complaint:
I applied to the Public Service Loan Forgiveness ( PSLFP ) program because I work in a XXXX which is considered a nonprofit. I started working at the XXXX in XX/XX/2013 and soon after I began to make payments on my loan. The paperwork for the PSLFP took months to be processed. I inquired several times with XXXX and their service representative told me that the months would be retroactively applied towards the ten years. After several months they sent a letter stating that I was not on the correct payment plan so payments would not be applied to my ten years. The process took so long that I lost several months of payments that could have been applied. I have worked for a XXXX  for 4 years now and have made monthly payments towards my loan for those years, but the company is not recognizing those payments. I think it is unfair for my payments not to be considered when the company gave me incorrect information and months to respond to application requests. The program was meant to help public servants not prolong their payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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: EQUIFAX, INC.

Complaint:
I asked the XXXX to verify account # XXXX filed on XXXX and I checked, they are still reporting inaccurate information. In accordance with FCRA they have violated my rights. I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
XX/XX/XXXX my bank of america account was hacked. I quickly received an email regarding low funds and contacted my bank. They did nothing but tell me they would research the issue and would take 10 days to come to a decision. Today I received notice that my claim was denied because the transactions in question were completed by a third party who was given access to your account or account information. I've never ever given my information to anyone to steal my money. They told me today that if I get a letterhead from an IT or XXXX XXXX company stating that my laptop was compromised that they would revisit my account. I spoke to an IT professional and they said that wont prove anything. The bank has IP addresses of whoever logged in and they can trace it. The bank has not done anything to find who did this. There was proof that someone made multiple payments to XXXX with account numbers and they told me they dont contact them??? I was furious! Said so what are you doing for me then?!!! There is evidence where my money went and they did nothing about it!

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 monetary relief
Consumer complaint received 2023-08-24
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:
XX/XX/2023 a certified notarized letter was mailed to Equifax priority mail requesting to verify the following account ( XXXX ). Equifax did not respond in the 30days time frame by law regarding this account. A second letter was mailed out informing them that the account needs to be verified for accuracy and to furnish the verified proof. I called Equifax on XX/XX/2023 to check the status of the dispute and they informed me that the account was verified. I requested that the verified proof be sent to me by mail to confirm the accuracy, they stated that did not have it and that i need to contact the creditor. I informed them that my consumer rights have been violated per the FCRA Sec 609 A and to remove the account. Equifax have not yet to take action with removing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have disputed and credit bureaus will not delete.

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 2020-08-17
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: CITIBANK, N.A.

Complaint:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE STOLE MY INFORMATION TO OPEN THESE FRAUDULENTS ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and XXXX   CRAS. On XX/XX/2020, I mailed XXXX, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2019-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Paid debt owed as a settled in full, letter is attached. Capital One refuses to update my credit report accurately and is damaging my reputation, credit and score. I was told once paid this collection and incorrect late payment history will be removed. 

I spoke with Capital One on XX/XX/2019 they are refusing to update my credit report even though I have evidence proving its paid. Also, I have inaccurate late payments reporting that need to be removed. 

In a prior conversation with Capital One they said they would report my paid off debt within 22 days. I pulled my report after the 22 days and seen they reported new but a remaining balance still and late payments which are both not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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: TD BANK US HOLDING COMPANY

Complaint:
I see that there was an inquiry on my credit report for the TARGET CREDIT CARD from TD BANK USA that I did not authorize. I did not apply for this card and believe I was the victim of identity theft.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I want to block and arrest the person who issues credits I am not familiar with from Capital One XXXX, Capital One, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, I don't know the amounts by I did not issue any of these cards and there was recent activity of my social security number that was used as well and I want this dealt with and corrected and have the person responsible for this arrested their address is XXXX XXXX XXXX XXXX XXXX LA XXXX please arrest this person and help correct my problem.

Company response to consumer: Closed with explanation