hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-09-19
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:
Per the Equifax XXXX website, I was involved in the Equifax data breach. My personal information was stolen without my knowledge or consent. I take issue with the fact that this theft occured between XXXX XXXX, yet information about the attack was only made widely available in XXXX. Equifax holds responsibility for this cyber attack by not having proper cyber-security. In addition, unlike most other companies, Equifax in not something that one can easily opt out of. If one has ever requested credit for a mortgage, student loan, etc., then Equifax XXXX as well as the other XXXX credit bureaus ) have all of one 's personal information on record. I would not have chosen to give Equifax any information if I had a chance. 

My identity could be stolen at any time for the rest of my life. Thanks a lot, Equifax. 

I have signed up for Equifax 's free year of credit monitoring. 

PS : since this is a gov't website, can I provide a suggestion? I think it 's time to scrap the whole SSN system and either re-issue a new SSN to everyone in XXXX, or to use a different system for linking financial records to individual people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be updated or corrected. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get adjusted immediately : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK

Complaint:
Attempted to use my Discover XXXX card and was declined. 
Called Discover directly, because I was confused and concerned that fraudulent activity may have occurred. 

Spoke with XXXX, who told me my account was closed for inactivity - he also said that correspondence was sent, along with an email. The last emailed recvd was XX/XX/20 & XX/XX/20, advising my covid relief had ended. I never received correspondence via US mail or any other shipping entity. 

I was then transferred to another XXXX who wanted me to apply for another card - adding insult to injury ... my score declined due to closure, and my score would decline if I applied for another card. 

An issue like this tends to be systemic and XXXX many times. It is exhausting as a minority to receive the same consideration that non - minorities take for granted. 

I am absolutely tired of being invisible and dismissed - all of my XXXX  scores are in the XXXX range. My wife and I have three other Discover accounts in excellent standing - this account was in excellent standing. 

I will also be filing a complaint with the FTC. It seems that I am only seen OR heard when I leverage goverment paths like the CFPB or FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.

Complaint:
Recently checked my credit report on XX/XX/2023 to find that Credit Collection Services has reported a collection on my report of {$420.00}. The dates that they have been reporting goes back to XX/XX/2023. After checking the Secretary of State site for GA, I found that their are dissolved and their licenses are expired. I never signed a agreement with said company and I never received any communications from this company before being reported on my credit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings

Complaint:
Accounts are showing up on my account that I am unaware of and need them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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:
provide me with the signed contract authorizing you to report your private personal information to a third party., you are in violation of 15 USC 1581 section 1666b as well, it states creditors ( financial institution in this case ) cant treat payments as late for any reason unless you notify me that Im about to be late 21 days BEFORE your my due date, which you havent done remove all lates now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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 sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( XXXX, EXPERIAN, XXXX ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT.

according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a federal complaint, lawsuit.

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 2020-08-18
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: DISCOVER BANK

Complaint:
In XX/XX/2020 I disputed an error on my credit report with all of XXXX, XXXX  and XXXX  in regards to a Discover account showing in collections and at times as a open account on my credit file. On XX/XX/XXXX XXXX  and/or Discover confirmed this was an error and removed the account completely. I assumed this would follow suit with the other bureaus and did not look much into it until now. The Discover account is still reporting open and changing sometimes to a closed collection account massively affecting my XXXX  and XXXX  scores ( over 100 points! ). Although I have disputed with the bureaus I am unsure if this is an error made by Discover or an error made by the bureaus. I have attached screenshots from XXXX XXXX, XXXX and XXXX all confirming removals and inaccuracies. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HireRight Solutions, Inc.

Complaint:
Other addresses not mine. I have lived at is XXXX XXXX XXXX XXXX, Texas XXXX for 57 years a open court case which is being plead not guilty need to be removed which is causing " concrete harm '' being reported is unwanted and will be asking for relief pending no removal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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:
In accordance with the fair Credit Reporting act XXXX XXXX Bank 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL

Complaint:
Good day. I purchased a refrigerator with a warranty at XXXX  's in XXXX XXXX Florida. on XX/XX/22 for a total amount of {$1000.00} ( this includes taxes and a 5 year warranty which was {$150.00} ). The fridge was returned on XX/XX/22, within the grace period as acknowledged by XXXX  's who issued the refund. I have a signed receipt to support this. However, XXXX  's only credited my account {$800.00}. I was under the impression that this was the full amount and also included a refund of the 5 year warranty for {$150.00}. This was not the case and I received a credit card statement in the mail in XXXX from Lowe  's / Synchrony Bank stating that my account was past due. It was unbeknownst to me that I had a balance on this account since I was under the impression that I was issued a full refund. I have called the company in an attempt to resolve this dispute. This was done on XX/XX/22. I spoke to XXXX XXXX XXXX XXXX  XXXX ). She said the company would investigate it. However, I am very concerned that it may not get resolved satisfactorily, which is why I am filing this complaint. Also it has impacted my credit. My XXXX went from XXXX  to XXXX. This is very detrimental to my financial life and I need your help to correct this. PLEASE HELP. My phone number is 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 monetary relief
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.

Complaint:
I'm trying to apply for medical emergency loan for a close family member from my credit union however when they try to pull my Equifax report they are getting that there is a freeze on my report. However I've called Equifax numerous times and was told each time there is no freeze or extended fraud alert. I was even told by Equifax to fax a copy of my driver 's license and social security card to resolve the issue. This has been going on for approximately a month and I keep getting the run around. This is what is reporting on my Equifax Report : Review this summary for a quick view of key information contained in your Equifax Credit Report. 
Report Date XXXX XXXXXXXX XXXX Credit File Status : Fraud Victim ( associated with trade ) File Blocked For Promotional Purposes. 
No one at Equifax can give me an explanation of what this means. The representative at my credit union is stating that on her end is showing as a block/credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.

Complaint:
My original complaint, XXXX, was about not getting loan information on time to make the 1st payment and GM Financial not responding to my calls. Today I finally received the information from GM  Financial, I bought the new truck on XX/XX/2020, and it shows me being a month late already. I sent the 1st payment to the dealer as instructed and my check has cleared my bank. I called GM Financial customer service as soon as I received the letter and all they will say is they don't have it and I must find out how it was sent, when it was sent. This is all  information they and the dealer, XXXX XXXX XXXX in XXXX XXXX FL have, not me. As before they have not returned a call to me concerning this problem. Also, I have heard nothing about the first complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY

Complaint:
I tried logging into my account was unable then i called they said my account was permanently suspended and disconnected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL

Complaint:
My account from XXXX XXXX was paid already and they don't have any reasons to keep reporting it. Also this inquiry from SYNCB/AMAZON XXXX XX/XX/2022 was not authorized.

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 2023-07-02
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:
The address at XXXX XXXXXXXX XXXX XXXXXXXX XXXX Fl XXXX is not my address. i have never lived at that address

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 2018-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.

Complaint:
On XX/XX/XXXX I did one transfer of {$150.00} through XXXX from my Citibank checking account to my XXXX XXXX checking account. The money left my Citibank account right away but until now I didn't receive my money on my XXXX XXXX account. I've been calling Citibank since than and they've told me twice that they would credit the money in my account but until now nothing. Simply, they disappear with my money and don't want to pay be back, it's been 3 weeks already.

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 2018-05-05
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: Experian Information Solutions Inc.

Complaint:
XXXX XXXX and Experian did not remove all inquiries that was not affiliated with my open accounts I provided police report that clearly states that I was an victim of identity theft

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 2023-06-03
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: HUNTINGTON NATIONAL BANK, THE

Complaint:
In accordance with the Fair credit reporting act Bank XXXX XXXX account # XXXX and XXXX XXXX Bank account # XXXX, have violated my rights. 

15 USC 1681 Section 602 state 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Auto Credit Corporation

Complaint:
For the last 6 years I have asked this company to remove this from my credit as well as I have disputed with the agencies they are reporting as us auto credit and XXXX XXXX  on my report when called and asked about the information on the account I sac told this is from a place called XXXX XXXX XXXX that is closed and does not have any information the original contract that was signed or documents the address they have for me I never even lived they have nothing they can provide me to help me investigate or for them to be reporting on my credit as a charge off as well as still reporting Late payments with the account being this old they are rude and will not assist me also they are reporting twice separately on my credit once as auto credit and once as us auto cr then I sent a complaint XXXX to the incorrect information asking for original contract with my signature etc also for them to remove the fact it shows up as two different accounts us auto credit and XXXX XXXX XXXX XXXX and still do neither

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2018-12-15
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:
On XX/XX/2018, XXXX XXXX. pulled my credit report without my permission. I tried and tried to resolve this issue with TransUnion and XXXX XXXX. but they are blaming each other but not resolving the issue of removing the inquiry. The dealership also tried to reach out to them about this unauthorized inquiry but they never responded. Attached is a copy of the letter from the dealership stating that the unauthorized inquiry is done without my permission. They allowed one of my family member fill out a application with my name, social security number and date of birth without my authorization and Driver License.

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 2020-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Someone Used My Personal Information to Open a Credit Card Account with Capital One I Was a Victim of Identy Theft Someone Used My Social Security Number to Open a Credit Card Account With Capital one and this account was never open by me someone stole my identity and Open this account on on XX/XX/2019 and is showing and i notice this happen because i see this account showing on my credit report and i dont recorgnice this account and i never OPEN Any Credit Card account with Capital one and this is not the first time this happen in the pass there was other accounts open with capital one bank and this all those accounts that where open in the pass i did not open it please help me with this problem i never apply for this credit card acccount

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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 XXXX Account # 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 Accounts : XXXX XXXX XXXX-Account number XXXX XXXX XXXX-Account number XXXXXXXX XXXX XXXX-Account number XXXXXXXX XXXX XXXX XXXX-Account number XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXs Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXk XXXX XXXX Inquiry date XXXX XX/XX/XXXX Removal date : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief