hpe-ai/customer-complaints-train.csv huggingface dataset:
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 — Investigation took more than 30 days
Company: DISCOVER BANK

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

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my 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 2021-05-17
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:
XX/XX/2019 payment is listed as 90 days late but the XX/XX/2019 payment is listed as current and on-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 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
Hi, this is XXXX XXXX XXXX XXXX. This my second time contacting your company regarding the correction of my Personal Information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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:
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 XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX  XXXX Balance XXXX {$1000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance XXXX {$4100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3400.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
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: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting act The companies in the attached document have violated my rights. 15 U.S.C 1681 section 602 A. States that 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 instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I just looked at my credit report and was shocked to see the numerous amounts of errors XXXX  have listed. I am filing a complaint to have remove them immediately. XXXX Report Number : XXXX, claimed information that is incorrect and error on my credit report as accurate and verified. Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. I received a letter from XXXX XXXX/XXXX   only that was not validated or verified proof of the late payments that are reporting on my credit reports. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to, promptly delete all information which can not be " verified '' I " validated '' that I have disputed. I have not received any verification or validation of late payments reporting from XXXX XXXX XXXX and XXXX XXXX in which was originally reporting 30 days late and was updated on my credit report to " ND. '' IDENTITY THEFT REPORT ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
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 am a victim of identity theft. See the attached report for list of reported accounts. Please remove these violations from my credit profile.

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 2018-02-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAVY FEDERAL CREDIT UNION

Complaint:
On XX/XX/XXXX I had made an ACH Payment through the NFCU app. On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX, and decided to trade my XXXX XXXX XXXX XXXX, for a XXXX XXXX XXXX XXXX XXXX. I contacted Navy Federal Credit Union for a 14 Day Payoff for my XXXX XXXX XXXX XXXX, this was necessary for the Lease agreement with XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX XXXX. I received a 14 Day Payoff from Navy Federal Credit Union for my XXXX XXXX XXXX XXXX, which was good until XX/XX/XXXX. I noticed that XX/XX/XXXX fell on a Saturday and discussed my concerns with the Customer Service Agent. While on the phone with the same agent who gave me the 14 Day Payoff, I inquired if the payment I made the day prior had been processed and applied to the account. I was informed it had not been applied and the 14 Day Payoff did not include the XX/XX/XXXX payment. The Customer Service agent told me that he processed an ACH Payment Reversal since I was trading in the XXXX and it wasnt included in the payoff. The agent advised me to contact XXXX to try and catch it just in case. This payoff amount was given via telephone, and on the Navy Federal Credit Union XXXX Application. XXXX XXXX XXXX mailed the 14 Day Payoff on XX/XX/XXXX. My monthly payment was due XX/XX/XXXX of every month. Previously NFCU has posted payments or fees on this loan on Saturdays, when it benefit NFCU interests. Despite receiving the loan payoff prior to XX/XX/XXXX NFCU did not process the payoff causing second and third order affects, a late fee and causing the payoff to expire. On XX/XX/XXXX promptly applied a {$29.00} late fee to the loan. Navy Federal Credit Union did not process the loan payoff until XX/XX/XXXX. Additionally, Navy Federal Credit Union erroneously applied the payoff payment as a regular payment. Then Accounts Receiving reversed the misapplied payoff payment. Furthermore, Navy Federal Credit Union Accounts Receiving processed only {$48000.00} which is a portion of the payoff to principal balance. Navy Federal Credit Union applied the remainder into another adjusted split payment of {$2300.00}, {$1700.00} to principal and {$610.00} to interest. I followed the advice and guidance from the NFCU Agent, and I need this resolved before XX/XX/XXXX to prevent further damage to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC

Complaint:
Acima Digital FKA Simple reported number XXXX. Date opened XX/XX/2018. Disputed with XXXX, XXXX, and XXXX multiple times requesting proof of debt or removal. Called Acima, but they couldn't find an account with my cell phone number ( I have had this number for almost 15 years ) and asked for proof of debt, and a contract by mail. called XXXX and initiated another complaint requesting proof of debt or removing the file. 

I have proof of identity theft, address, phone numbers, and social security number that is not mine over the last 10 years I have proof of a change of address XXXX unauthorized, data breaches, and leaks. 

This debt has caused hardship, and applications were denied due to the derogatory mark that ultimately lowered my score, and caused a higher percentage on my auto loan. 

XXXX and XXXX removed the account from my report for Acima failing to comply with FTC, my right to information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC

Complaint:
RMP XXXX XXXX a XXXX XXXX company tried to collect a debt of {$76.00} from a service date of XX/XX/XXXX. They have called multiple times and on XX/XX/XXXX stated that I owed this amount. I then called the location that they told me the debt had accrued and they told me that I do not have any outstanding balances. I called and confirmed multiple times. They do not even have the accurate account number that is associated with it. 
Contact addresses XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX They also stated that they have offices in XXXX, NC. I could not find an address for that. They keep calling me even though I have told them the location that the debt accrued at has no balance and that it is not in collections. They have not referred me at any time for debt collection. Here is the website that I was given https : //www.receivemorermp.com/contact/ as well as pay.rmpone.com

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
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:
Experian lists an incorrect address on my credit report : XXXX XXXX XXXX XXXX XXXX, WA XXXX. Experian claims I must contact the creditor who provided the information, but the creditor is not listed, and Experian will not provide me with the creditor 's contact information. Furthermore, any account/creditor associated with the above listed address has been opened fraudulently. 

I 'm XXXX and I can not contact Experian via telephone. They do not respond to my letters via mail. They do not respond to accommodation/modification requests to communicate with me in an effective manner. 

This is Experian 's response : " Please note that we store name, address and telephone number information as it is sent to us by your credit grantor or from information contained in public records. We are unable to remove accurate information. If you believe a name or address in your credit report is inaccurate, you may want to contact the source of the information directly. Please contact us by phone if you need additional assistance to determine the specific sources of particular name or address information on your 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 2023-07-18
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'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 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 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.

Complaint:
I want XXXX, Equifax and XXXX XXXX to add my current employer/employment information to my credit report. Please add and list my current employer on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX, Position : XXXX XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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 XXXXtransunion has me at a score around XXXX. 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX 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 non-monetary relief
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY

Complaint:
I have received multiple letters/correspondence from Target Card Services that I have a balance on my credit card ( see attached as one letter received for the period of XXXX ). I have not used the card in about one year. I made a police report today ; the temp ID number with XXXX Sheriff is XXXX. I think this is related to XXXX XXXX, an ex-husband, accessing lines of credit. He was never on my Target Card. I called them on XX/XX/21 and the employee I was spoke with had an ID of XXXX. He said it was XXXX XXXX. I explained XXXX was never on this card and I asked for them to mail me a letter reversing these charging including the late fees. I have not gotten a resolution from them at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC

Complaint:
I decided to just settle this debt with RentDebt Automated and they informed me that as a courtesy they would delete this account from all there credit bureau 's. As of today XX/XX/20 this has not happened. I informed RentDebt Automated repeatedly that this account was not mine ( fraud ) but decided to settle just to get it resolved. I explained this to RentDebt Automated. I am asking that they delete this PAID collections from all 3 credit bureau 's. This issue has caused me be turn down for employment which I should have qualified for. Due to the current economic crisis we are currently in I had to seek employment, and this PAID collections is negatively effecting me. The issue with this account is not a good indicator of my actual credit worthiness. I have tried very hard to remedy this situation as well as make sure my credit isn't impacted negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/XXXX I and XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, and XX/XX/XXXX sent an investigation to the credit bureaus to check every piece of information on my account certified mail. I told them to investigate everything on my credit report and to make sure every is XXXX percent accurate. Here is my certified mail USPS tracking numbers Tracking Number : XXXX, XXXX, XXXX Transunion did not review and send supporting data furnishers, because if they did then they know these items shall not be on a consumer report.

They did not do any proper investigation based on 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associate 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 consumer 's 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. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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.

According to : 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. so far nothing has changed and they keep saying verified but did not do it because they did then this complaint would not be here right now which has been emotional due to the whole process and now this takes more time too.

Transunion keeps saying verified and accurate with no changes. made. They said they looked it up but didn't do personal interviews and said this is factual information is allowed that was not properly verified. my response was if so who did their personal interview and how come you violated my rights. So far no changes have been made.

Thank you Mr. CFPB for looking into this.

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