hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-08-18
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: EQUIFAX, INC.

Complaint:
I do not have an unpaid debt with XXXX. I mailed disputes to the credit bureau on XX/XX/XXXX and XX/XX/XXXX to have this account deleted from my credit and they are refusing to do so. The account number being reported to my credit is " XXXX '' but I can also see an account number that says " XXXX ''. The amount for the account is {$180.00}. I have personally called XXXX and their customer service representatives can not find any records that match my personal information. They also do not have any information that says I owe them {$180.00}. This does not make sense because the credit bureau keeps telling me that I need to call XXXX to dispute this account. How can this be possible? This is not my account and I need this to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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: V and H Portfolio

Complaint:
XXXX phone # XXXX XXXX XXXX XXXX Is reporting this false account on my credit report XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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 disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
The credit reporting agencies are not in compliance with FCRA rules when investigating disputes. I am requesting a thorough investigation in a timely manner. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.

Complaint:
DSNB MACYS this account has charge-off status and yet there is a past due balance on your report. I have requested debt validation and Macys have failed to comply on several occasions. 

All Listed accounts on my attached dispute have failed to provide debt validations since XX/XX/2020.

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 2023-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC

Complaint:
XXXX is reporting that I owe a debt to XXXX and XXXX has sent the debt to a company called Jefferson. I have sent XXXX and Jefferson both letters disputing the in accurate information reporting on my credit report. I stated that the information listed is in accurate and does not belong to me and if they can not do a thorough investigation to please have it removed from my credit report. They have yet to follow those guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute an inquiry in my credit file that does not belong to me, or that I have signed any agreement. The inquiry I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this inquiry immediately. 

XXXX XX/XX/2021

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 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.

Complaint:
I tried reaching out to US Dept of Ed after my mortgage loan advisor told me that my account is showing past due. It appears that XXXX is mistakenly reporting the account as past due when really all of my accounts are current. US Dept of ed is stating that they dont see the error on their side so i need assistance having this updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAINE & WEINER COMPANY, INC.

Complaint:
n accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C1681 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 2020-03-04
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I was disputing a Bankruptcy on my credit report that TransUnion verified as accurate. Confused by this I sent them a letter on XX/XX/2020 through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX and asked them for their method of verification.. On XX/XX/2020 I received a letter from TransUnion stating they were to verify that bankruptcy from my credit report by verifying it with the US Bankruptcy Court located at XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX.I took it upon myself to go to the Bankruptcy Court in person and ask them if they verified my info with TransUnion. They turned around and told me they did not, they all so typed out a letter for me stating that they didnt verify my info with the credit bureaus. After that i sent that letter to TransUnion through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 asking them to remove that Bankruptcy from my credit credit because it can not be properly verified. As of today XX/XX/2020 i have not gotten a reply from them.

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 2019-08-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I have a saving account with Bank of America ( BOA ) since XX/XX/XXXX. Basically, I don't need to pay the maintenance fee for this account if I set up auto transfer between my BoA accounts for at least {$25.00}. And in past 7 years, I didn't receive any maintenance fee charge for this account. But when I checked my statement yesterday, I found I had been charged { {$5.00} } maintenance fee since XX/XX/XXXX, and had been charged 21 times, { {$100.00} } in total. So I called the customer service to figure out what happened, on XX/XX/XXXX. Then both the agent and his manager told me, in XXXX XXXX, BOA changed the fee waiver criteria, and customers would be charged for { {$5.00} } maintenance fee unless they meet certain new criteria. They can not refund me the charged fees and closed my account. I asked when the notice sent out to the customers because I didn't receive any notice of this change ( I confirmed this by checking through my email inbox as I never received any paper mails regarding this change ). Then I was told the policy change was listed in one of the regular quarterly statements, online only, the one in XXXX XXXX. This is totally reckless, misleading, and arbitrary. If the bank decides to do the change, which will potentially damage customers benefits it should notify customers in a more direct and transparent way. It's hard for me to find the information from one of many statements, especially given the fact that this information is attached after a blank page which is usually the ending page of the lengthy monthly statements. The agent told me all the savings customers were notified this way- through one of the monthly online statements. So not only me, many other customers were treated unfairly by BoA during this fee change.

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 2021-06-11
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: AMERICAN HONDA FINANCE CORP

Complaint:
I filed for identity theft in XXXX of 2021. Honda Finance claims they investigated the claim and they denied my claim based on their investigation. I have yet to receive the names and numbers of the agents and anyone contacted in regards to the investigation as stated in FRCA. Additionally, upon review of my credit report, I noticed this is an Auto Lease, per TILA leases are not permissible for automobiles and instead an installment credit sale waste be the basis of the initial transaction which I did not initiate. Honda, a debt collector, is now charging-off monthly a disputed debt and ignoring to apply payment with my direction. I did not initiate a transaction, nothing has been loaned to me and I have not received any goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I disputed Equifaxs reporting of my student loan balance and payment status on XX/XX/2019. On XX/XX/2019, I received a {$17000.00} XXXX XXXX XXXX XXXX payment bringing my student loan balance down from {$43000.00} to {$26000.00}. My loan was put into repayment status on that date too. 

It took Equifax 27 days to respond to my XX/XX/2019 dispute. In the meantime, my student loan servicer began reporting my loan balance and payment status correctly to all 3 credit reporting bureaus on XX/XX/2019. My Equifax credit score rose 16 points on that date. 

On XX/XX/2019, Equifax claimed that they verified the loan balance and payment status with my servicer ( XXXX XXXX ) however they obviously DID NOT as on XX/XX/2019, Equifax added the {$17000.00} back to my loan balance and put my repayment status back to in deferment. As a result of this error, my Equifax credit score has now dropped 16 points. The other 2 credit reporting agencies di NOT do this, only Equifax! 

In addition, I made a {$100.00} EARLY payment on the loan which was applied to my account on XX/XX/2019, by my loan servicer, four days before Equifax falsely reported the information on my credit report. 

Equifax did not verify the balance, payment status, or recent payment with my loan servicer ( XXXX XXXX ) as they claimed that they did. I have attached the most recent account information and payment history directly from my student loan servicer proving that Equifax is falsely reporting my student loan account information and is unlawfully harming my credit reputation, my creditworthiness, and my credit score. 

I am in the midst of applying for a car loan. I need a reliable car to get back and forth to work. I should not have to wait another 30 days for Equifax to correct their unlawful mistake so that I can qualify for a lower interest rate on a car loan. 

Had Equifax truthfully verified the data with my loan servicer, they would not have reported the old, outdated information. They should have verified that my student loan servicer had already fixed the incorrect data and it was being reported correctly on XX/XX/2019. Instead, they have unlawfully harmed my credit score! How many other consumers are suffering because of their false reporting?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
There was a problem with the model of the car and after replacing XXXX XXXX XXXX XXXX wouldnt work with me, capital one wouldnt work with me and my car got repossessed because i couldnt put a XXXX XXXX in a car that was only XXXX XXXX XXXX. There has been a class action law suit agains the company and recalls on certain models of the car

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
For Merchant Capital One. 
Please provide proof the debt is mine by providing proof of signed contract, date signed, etc. I had this debt/error REMOVED because it was originally appeared on my credit as a CHARGED OFF XX/XX/XXXX ( 5 years ago ) and has suddenly popped up again on my credit report XX/XX/XXXX. 

The CHARGE OFF NEGATIVELY impacted my credit XX/XX/XXXX and I suffered a severe drop in my credit score. 

The CHARGE OFF NEGATIVELY impacted my credit AGAIN XX/XX/XXXX and caused a decrease of 60-71 points. This same debt is ALSO showing as PAST DUE. A " charge off '' is a debt that is written off and NO LONGER on the books as collectible account ; therefore, how can " charge off '' ALSO show as CURRENTLY PAST DUE? Either it is " charged off '' or it is " past due. '' It CAN NOT legally be both. Therefore why are creditors allowed to DOUBLE DIP and post the same transaction MULTIPLE times in this instance 5 years later resulting causing further detriment my ( consumer ) credit report/score? 

Why are creditors given card blanc to bulldozer ( bully ) a creditor with such credit tactics?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
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: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PORTFOLIO RECOV XXXX Original creditor : XXXX XXXX XXXX  Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
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 just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

XXXX XXXX XXXX Account NumberXXXX 1.Validate Account XXXX XXXX XXXX Account Number : XXXX : 2.Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX 3.Validate Account XXXX Account NumberXXXX 5.Validate Account XXXX  Account NumberXXXX 6. Validate Account XXXX XXXX Account NumberXXXX 7.Validate Account XXXX  Account Number:XXXX 8.Validate Account XXXX Account Number : XXXX 8.Validate Account XXXX Account Number:XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence.

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 2022-10-12
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX 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 2023-07-24
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 have an account on my Experian credit report that is showing " closed ''. The account is open and active. I have filed multiple disputes, talked to Experian workers on the phone, and sent them a letter from the creditor twice that states that the account is open, but they refuse to change the status.

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 2019-10-16
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:
Multiple accounts that are incorrect are reporting on my credit reports 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 2020-03-09
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation