hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-11-12
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 submitted detailed documentation to the credit bureaus about identity theft in my behalf. I would appreciate if they would remove these accounts from my credit report which are listed in the attached files 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 non-monetary relief
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have contacted both XXXX and the 3 credit bureaus about the incorrect status of my account and either party has yet to update and correct the information. I was told by XXXX that the information would be corrected with the 3 credit bureaus no later than XX/XX/20. Today is XX/XX/20 and the account status is still showing as as charged off which is incorrect as the account was paid in full. I have submitted payment receipt to the bureaus but have yet to see the account updated.

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 2023-05-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
When XXXX investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$24000.00}, XXXX  XXXX Balance : {$22000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected customers, right to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX DIVISION OF CHILD SUPPOR DIVISION OF CHILD SUPPOR DIVISION OF CHILD SUPPOR XXXX XXXX SC XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States that I have the right to privacy.

15 USC 1681. Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) sections 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 convictions of crimes which anti-dates 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 t he 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 non-monetary relief
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX   XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE

Complaint:
I applied for XXXX XXXX rewards XXXX card by Barclay in XX/XX/2022. The first card end in XXXX. I never activated the card nor did I use it. In XXXX I receive a bill statement for {$4800.00}. I called the company to report fraudulent activities because I never even use the card. I see that the card was used for many cash advance transactions and numerous XXXX services that was over few hundreds dollars per service. Never have I ever use cash advance nor do I have an XXXX account. XXXX did an investigation and concluded that it was fraudulent because it shows on their system that I never activate the card the end of XXXX. They said they would credit me for ALL the fraudulent charges and will send me a new card. I got the new card in XXXX ending XXXX. Again this card was also not activated because now I am cautious about this credit company. For some reason they transferred {$1300.00} from the fraudulent card to my new card in XXXX. I called them right away to dispute the charges. Why is there still charges on my credit statement. I was transferred numerous time to different departments and none of them can help me. They each said that I cant help you. Let me transfer you to investigation. Investigation department transferred me back. I have to call many times to resolve this problem. It is now XX/XX/2022 and the last person we spoke to keep telling me that to look at my statement to see any charges. I keep telling her that there is no charges to the new credit card because I never activated it nor use it. The charges was still from the last dispute. It was futile talking to her and I requested to talk to a manager. She said it will be five days before anyone can call me back. I waited two months to resolve this problem but to no avail. My credit is greatly affected by this because of the late payments reported. My credit score has went down XXXX points because of this incident and it has impacted my health for I have no piece of mind and unable to get other credits for my home needs. This credit card company has lied and never investigate my request when I called to dispute about this. I have to keep calling back over and over again. At one time I overheard their representative talking to each other saying that I am trying to not pay and laughed. And no this is not an exaggeration. I will be filing another complaint with local state agency regarding this credit card company. For anyone out there please do not used this credit card company. It is unreliable and they dont abide by customer service laws.

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 2019-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.

Complaint:
WE are not sure what this debt is or who its for or where it came from. It has been cleared from my credit report then reappears then I get it cleared then it reappears.. Its IC systems this time in the past it was XXXX  XXXX XXXX prior to that another collection agency they just keep selling it reporting it so on. They all demand money then offer want discounted settlements 80 % 90 % discount Its a fraudulent 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 2019-10-08
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:
XXXX XXXX XXXX -> Reporting Negative/Past Due to ALL 3 Bureaus : - XXXX - XXXX - XXXX In which I've currently had a lease since XXXX of XXXX and with the lease ending this year. 

XXXX XXXX had reported a late payment for XX/XX/XXXX and XX/XX/XXXX. This report is false. I've always been on time on all my payments, from auto and credit cards. I've already reached out to a representative in XXXX & they waived the " late fee '' charge. However they have reported it to all 3 bureaus that I have a late payment. 

I've already mentioned this issue to TFS - everytime I log in my account there is typically a pop up on the top of the page stating that the website has technical difficulties.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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:
I am a natural person, am a living human being, have rights under 15 USC 1681. 

XXXX, XXXX, experian are governed by 15 USC 1681. And they violated my rights numerous of times. demand the accounts listed below be remove because According to 15 USC 1681 : have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

BANKRUPTCY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA

Complaint:
I opened an Apple credit card and used it for a few purchases. I needed to pay the bill Of {$87.00} and contacted them to make a payment over the phone by check. I paid the balance on XX/XX/19 over the phone by check. 
I received a letter demanding payment again for the same bill, this time with an added amount of interest, {$2.00}. I contacted them again by phone and agreed to send a paper check via U.S. Postal service, which I did for {$87.00} on XX/XX/19 ( # XXXX ). 
I received another bill via USPS demanding payment of interest on top of Interest, the new amount is {$2.00}. I have tried to resolve this matter via phone to no avail. 
I do not owe this money. I appreciate any assistance you may provide. This is a Predatory tactic by a large bank which has engaged in unfair and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
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:
XXXXXXXX XXXX  has placed information on my credit file. They will not accept the fact that I no longer am interested in their product. I have no legal obligation to continue to pay for something I do not use and do not own. I have contacted them on several occasions and they refuse to close my account and leave me alone. I just want inaccurate data removed from my credit file. They report to bureaus as a mortgage but refuse to provide proof of said mortgage. 

Credit bureaus are just allowing anyone with access to put data on consumer credit reports. Experian is not looking at documents or disputed reasons. They just send a computer message and accept the response. XXXX also allows them to rubber stamp false inaccurate data on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCB Management Services Inc.

Complaint:
I filed a dispute with the credit bureau. There is inaccurate information on my credit report. It is damaging and hurting my credit worthiness. I do not have a contract with the collection agency, that is reporting to all three credit bureau. I do not owe this collection agency. They should not be able to knowing violate the Fair Credit Reporting Act by reporting inaccurate information and failing to properly investigate the inaccuracies being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.

Complaint:
ON XX/XX/XXXX RECEIVED LETTER FROM XXXX XXXX , XXXX ABOUT DEBT FROM LVNV FUNDING, LLC. RESPONDED WITH A DISPUTE LETTER TO VALIDATE DEBT, RECEIVED NO RESPONSE ON XX/XX/XXXX RECEIVED LETTER FROM RESURGENT CAPITAL SERVICES REPRESENTING LVNV FUNDING, LLC RESPONDED WITH A DISPUTE LETTER TO VALIDATE DEBT WITH MY SIGNATURE THAT I OWE. THEY DIDN'T VALIDATE DEBT. 
ON XX/XX/XXXX RECEIVED A LETTER FROM XXXX  XXXX XXXX XXXX XXXX. REPRESENTING LVNV, RESPONDED WITH DISPUTE LETTER TO VALIDATED DEBT, RECEIVED NO RESPONSE. 
ON XX/XX/XXXX RECEIVED ANOTHER LETTER FROM XXXX XXXX XXXX STILL REPRESENTING LVNV. RESPONDED WITH A LETTER ASKING AGAIN TO VALIDATE DEBT. 
ALL OF THESE COMPANIES ARE AFFILIATED AND HAVE BEEN INVOLVED IN A CLASS ACTION SUITE IN THE STATE OF NEW JERSEY. 
THESES COMPANIES HAVE HARASSED ME IN A THREE MONTH TIME PERIOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
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:
These inaccuracies on my credit report need to be removed and blocked from my credit file soon as possible I can not obtain any credit in my names because of this problem please have high concern of this manner it is effecting my financial life thank you 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 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
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:
This company agreed to remove this account from my credit report when I opened a new account with them in XX/XX/2019. The new account is currently opened and has had excellent reporting since being opened but this charged off account is still reflecting on my credit report after they agreed to remove 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 explanation
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
On XX/XX/XXXX, I sent a letter to the credit bureaus, asking them to investigate 16 errors on my credit report. Over 30 days have passed, and I have not yet received a response. They are required, by law, to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity Properties Inc.

Complaint:
I first noticed a collection account from Fidelity Collection on my credit reports alleging that I owe them {$250.00}. I sent them a dispute on XX/XX/2021 asking among other things, to verify and validate the claim, showing a contractual obligation with my signature showing that we had done business or that I owed them. After not providing sufficient evidence, I sent a Final Goodwill attempt on XX/XX/2021, restating my claim and reasking for the contract or evidence that this alleged debt was mine. I understand with federal and state law, under the FDCPA, FCRA, HIPPA and others, that consumers have rights, particularly, to have alleged debts be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-17
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 — 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 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 2022-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.

Complaint:
On XX/XX/2022 there was a credit inquiry from Bloomingdales. I did not authorize this credit inquiry that has been posted onto my credit report. I did not attempt to open a line of credit at Bloomingdales. The same day, an application was submitted for Macy 's where a line of credit was approved. I did not apply for a Macy 's credit card. I have submitted a complaint on the Macy 's line of credit. I have contacted experian and they have marked the inquiry as fraud.

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