hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-01-15
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:
I opened a XXXX XXXX in XX/XX/2022. I used the account once to purchase approximately {$50.00} in fuel and it was closed by the lender for potential suspicious activity. I paid the amount I had charged immediately. In XX/XX/2022 I received an email that my monthly membership fee of {$10.00} was due. I emailed customer service and they indicated that it was a mistake, the account was closed, and I owed no balance and no monthly membership fee. In XX/XX/2022, they reported a {$10.00} balance as delinquent, Up to 30 day beyond terms on my Experian Business credit report. My credit score dropped from XXXX to XXXX because of the incorrect reporting. I was also denied a business credit card with another lender because of the erroneous delinquent reported account.

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 2018-02-21
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:
I checked my credit report after finding out someone stole my identity. There were fraudulent inquiries on my report that I didnt authorize. Ive contacted XXXX numerous times disputing the inquiries with no luck! Please help me!!! It goes as follows : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Auto finance XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15
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:
experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported XX/XX/XXXX Reference # : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10
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: Experian Information Solutions Inc.

Complaint:
I just check my Credit. I notice an account that I did not authorize. this Account is fraud and I would like to report this I cant understand how this could happen, its like anyone can have access to your personal information. 
I would like this matter to be resolved, also I would like to add an fraud alert to my credit file ASAP so that can no longer happen thank you.

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 2020-12-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA

Complaint:
Yamaha Motor Finance is my servicing finance corporation for a vehicle loan. The dollar amount is approximately {$150.00} and there is reporting to crediting agencies that was inaccurate and based on failures of Yamaha Motor Finance staff, processes, and XXXX XXXX. 
On XX/XX/2020 I was contacted by Yamaha Motor Finance and was notified that my payment had not been made and that it was due on XX/XX/2020. I provided accurate information to the technician and made a payment over the phone. On XX/XX/2020 I was contacted and told that the payment failed due to insufficient funds, that there were now additional fines, and that this had been reported to the credit rating agencies. I was shocked. I had already made good faith attempts to make payments and due to Yamaha Motor Finances ineptitudes, I am now being punished in long term ways. I believe Yamaha Motor Finance is purposefully negligent in its processes, procedures, operation, and XXXX XXXX systems to ensure collection of fees from the consumers they prey upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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: Experian Information Solutions Inc.

Complaint:
XXXX incorrectly opened a credit account without my authorization. They have no signature from me authorizing them to open an account in my name. I only authorized them to approve me for an account which I had no intention of opening. To my knowledge I had paid for the merchandise with my debit card, and they were going to mail me a card to activate at my discretion ( which I had no intention of doing ). 

Without my knowledge, they applied a small balance of under {$250.00} to the account that they opened without my authorization and sent statements to the wrong mailing address for months I had no idea this account was open and then I was receiving statements. 

Only when I attempted to secure financing for a purchase. Did I realize that XXXX had reported me to the credit bureau and destroyed my credit rating from a XXXX down to a XXXX. After imploring them repeatedly to close the account and reminding them that they had no authorization written or otherwise from me, authorizing them to open an account in my name did they agree to take payment from me for the merchandise only and close the account in question. 

However, XXXX month later, the derogatory Report from them still remains on my credit report, preventing me from securing adequate financing for current and future purchases ( for example, a preapproval for an auto loan with a 6 % APR has now risen to 11 % APR ). 

XXXX continues to drag its feet And not correct his mistake of opening of opening an account in a very deceptive manner. Yet Im the one paying the consequences for their deception. 

I need this removed from my credit report immediately and my solid credit Rating restored to a 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 2016-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Debt Recovery Solutions, LLC

Complaint:
I 'm a victim identity theft and someone open accounts in my name this account was removed befor and now it 's back

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 2021-12-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION

Complaint:
I applied and was approved for a student loan of {$2600.00} from Sallie Mae. The loan was disbursed to University of XXXX on XX/XX/2021. I paid off the student loan out of my personal checking account at an amount of XXXX on XX/XX/2021 after realizing the interest rate is 11.25 %. 

Due to family obligations, I applied for a leave of absence for the 2021 fall semester and was approved by University of XXXX. The university XXXX XXXX and XXXX XXXX staff has confirmed that the {$2600.00} was refunded back to Sallie Mae on XX/XX/2021. Sallie Mae did not disclose this information to me. 

I contacted Sallie Mae by phone twice and explained the situation. However, I have not received a refund of student loan payoff amount as of XX/XX/2021.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
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: EQUIFAX, INC.

Complaint:
I've been trying to reach out to Equifax, they have not given me access to my CONSUMER REPORT and FAL REPORT. I have attached screenshots as proof. All I want is to have my CONSUMER REPORT and FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). Equifax has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND FAL REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: S&N Debt Solutions, LLC

Complaint:
My husband got sick with XXXX and could not work so we had to use credit cards to buy groceries and his medication. We also had a water main break at the house and that was costly. When our bills became to much we reached out to a company called beyondfinance.com to consolidate our credit cards. All they did was collect our money of over {$3000.00} and have only sent a little over {$300.00} to one of our creditors. One creditor they ignored and the creditor was going to take us to court so we had to take out a loan to pay that creditor off. We told Beyond Finance to take the {$3000.00} and pay off the other two creditors and they refuse to do so. We have called 4 times. They said over {$1600.00} of the money belongs to Beyond for us being a client. We do not think they are going to settle any of our accounts that they are just collecting money for themselves. We ask for a refund and they said only thing they can refund is {$1000.00} of the {$3000.00} because the rest belongs to Beyond Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Product: Credit reporting 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 second dispute regarding accounts on my credit report that does not belong to me i have a legal right to dispute anything on my credit report that does not belong to me and these companies listed below are in violation of FDCPA, 609, 611, 608 : -XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC

Complaint:
Dear Sir or Madam of the Consumer Finance Protection Bureau, It has come to my attention, on XX/XX/XXXX, Contract Callers Inc. dba CCI, reported an unsubstantiated debt that is the result of identity theft and has previously been resolved with the original creditor of XXXX XXXX XXXX ( XXXX ) and removed from my credit reports during the 4th cyclical period of XX/XX/XXXX. It is further noted, CCI is in direct violation of the FCRA and is therefore liable to me in the amount of {$1000.00} for each occurrence. It is within my federally protected rights to pursue this matter through litigation. To avoid such procedure, I request the CFPB investigate Contract Callers Inc. Dba CCI for their illegal and unethical collection practices. On XX/XX/XXXX an FTC Identify Theft Complaint and Affidavit filed ( XXXX ) On XX/XX/XXXX XXXX, XXXX XXXX and XXXX were notified of the fraud XXXX County Sheriff Police Identity Theft Report Number XXXX On XX/XX/XXXX XXXX account was deleted from my credit report at the direction of XXXX due to fraud in my name. XX/XX/XXXX, Contract Callers Inc, with full account knowledge and full history of the reported fraudulent account reported an active collection account with XXXX. This fraudulent account has already been discussed, investigated, and noted to be fraudulent. At this time, CCI is attempting to circumvent the legal protections of me as a consumer by attempting to collect and report an unvalidated, illegal, proven fraudulent account. At this time, CCI has made no attempt to rectify nor remove its reporting as required by section 605B of the Fair Credit Reporting Act, which states CCI is required to block the fraudulent information on my credit report which is the result of identity theft within four business days.
CCI has, among other charges, : -reported debt which it knew was fraudulent ( CCI failed to review full account detail to reveal the status of the debt as fraudulent ) - Has not validated nor provided the consumer with written notice prior to furnishing information to credit reporting agencies - failed to investigate - willful negligence

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have tried to dispute my personal information with all three credit bureaus and I have had no success. There are a number of names, addresses, phone numbers, and employment information on my credit report that are fraudulent. I have contacted all three credit bureaus on XX/XX/2021 and I have not received an investigation result from any of the the credit bureaus. I understand that the credit bureaus have 30 days to provide results of their investigation. Therefore, I would like results immediately.

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 2015-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC

Complaint:
I have been disputing the provided information to me regarding the amount of this account since it has been presented to me by the company. Most recently, I was contacted to be included in the FTC lawsuit against XXXX for it 's cramming discovery. I have since registered and have been validated as a customer with unauthorized charges added to my bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
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:
FCRA violations : not mine Also known as XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
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:
I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. However, it has been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense.

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file
in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-07
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:
EQUIFAX BROKE THE LAW. I sent a FTC Identity Theft Report and all requirements for the removal of 4 fraudulent accounts and hard inquiries reporting on my credit report. Pursuant to 15 USC 1681c-2, EQUIFAX had 4 business days to delete the information from my report, and EQUIFAX failed to delete all of them. Only one was deleted. It is WAY past the 4 business days from receipt of receiving the documents. I further received a letter in the mail stating they are not honoring my request for the deletion. It was not a request it was a demand that I am entitled to as a federally protected consumer. I did everything I needed to do in accordance to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.

Complaint:
I have a XXXX mastercard issued by XXXX XXXX. Rewards were not issued per terms and conditions on the account. representatives I have talked to were no help. 

Called in tonight and talk to a supervisor named XXXX with id XXXX and she was just making excuses why I was not receiveing rewards, very unhelpful, rude, didnt care. 

She closed my account after I said the only reason I am closing is because she was being unhelpful and she forfeited my rewards which were missing in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
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:
Several inquiries that I never authorized on my consumer credit report.

Company response to consumer: Closed with explanation