hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-02-07
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 reviewed my report and i see that i had two late payments on this account that i was never late for. Consumer Reporting Agencies have a vital role and responsibility to report consumer information to the best of their ability and maximum Accuracy. I have never been late on payment for the account XXXX XXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. if proof can't be provided i demand this account be removed.

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 2022-11-23
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX have violated my rights XXXX 

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 an 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 non-monetary relief
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.

Complaint:
XXXX has 7 hard inquiries on out XXXX, XXXX, and Equifax credit reports for an attempt to finance an auto loan. According to the FCRA, these should not all be listed as hard inquiries and are related to a single attempt to get financing. They should be removed from the report as they are impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
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:
XXXX previously had 3 accounts in my name. All sounds have since be consolidated with another company. XXXX is reporting me late in all 3 accounts from XX/XX/XXXX-XX/XX/XXXX. All accounts have never been late and have been in ibr or deferment since opened.

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 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX Balance : {$4400.00}.

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 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint:
Experian has for years had a wrong address listed. I believe it is a typo that someone put in as it is a derivation of my correct address. The address does not even exist. I have submitted this error to them at least twice and they refuse to fix it. The XXXX address on the attached does not exist and obviously I have never lived there. It is the 2nd address listed. Also the 3rd address is no one. This is a condo complex so that address without an apartment number would be 12 people not me.

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 2022-07-21
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:
This is my XXXX 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX FL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
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: FIRST NATIONAL BANK OF OMAHA

Complaint:
On XX/XX/2022 I had submitted a complaint against FNB OMAHA inquiry on my XXXX Credit report ( Cfpb Complaint # XXXX ). The original date of the inquiry was XXXX XXXX. The company did respond on or around XX/XX/2022 that they will send a request to XXXX to have the inquiry removed. 

Upon checking today, XX/XX/2022, the inquiry still remains on my XXXX Credit report. I would like this Inquiry removed ASAP as FNB OMAHA had promised. 

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 explanation
Consumer complaint received 2022-09-12
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: Professional Finance Company, Inc.

Complaint:
XXXX have compiled numerous inaccurate data and reported-sold that inaccurate information to XXXX, XXXX and XXXX, currently showing as accurate data.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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: Lentegrity Management, LLC

Complaint:
Hello, In XXXX of XXXX I applied for a credit card loan through a used car XXXX XXXX XXXX XXXX XXXX ''. I approved the company to pull my credit report XXXX time yet I had XXXX hard inquiries pulled within the same few days by the XXXX. When I complained they said that all XXXX would be reported and affect my score as if only XXXX was pulled. Now, many months later when I am looking into buying my first house, the XXXX XXXX XXXX are still affecting my score. Please advise on how to reduce these XXXX back to XXXX. 
On XX/XX/XXXX the same thing happened. Can we fix the two to equal just one in XXXX also? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you greatly, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is my XXXX attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX  ) XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}.

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 2021-11-10
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: V and H Portfolio

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting act 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.

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 2020-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.

Complaint:
My Credit report was marked for collections on XX/XX/XXXX ) for the amount which was already settled in year XXXX. 
I received a letter from collection agency stating i have 45 days to pay the pending charges the letter was produce on XXXX XX/XX/XXXX and the company reported the account for collections on XX/XX/XXXX. 
This is complete unfairness, Firstly, i did not received a advance letter that gives me heads up that my account will reported. 
Secondly, i was given 45days to pay and before the deadline was finish the account was reported for collections on my credit report. 

I fully understand that they companies wait till you apply for mortgage or some kind of loan and then they damaged the account. 

I have filed a dispute with XXXX  already and I need to know if you guys can help in this regards. Thanks You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
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:
I have inquiries on my credit report that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)

Complaint:
On XXXX XXXX I was contacted as well as my relatives about an open proceedings case in the county of their address. The proceeding were going to be filed against me for account # XXXX and I had to pay my debt for Ace cash express for the amount of XXXX for a past due pay day loan. If I didnt do this the lawyers of this firm would follow through with the proceedings with Ace cash express and this was also being recorded as an attempted collection and notification of this process, and this was all recorded for their case against me. I was contacted by XXXX XXXX by the company XXXX on behalf to notify me of these legal actions being taken against me on behalf of Ace Cash Express. She stated the date of the loan taken out the and the amount of the original loan of {$500.00}. I attempted to make payments and she requested proof of income to provide. I explained I was unemployed due to the Covid-19 pandemic so they denied this request. To confirm this collection, I attempted to call Ace cash express On XX/XX/2020 directly to clarify this confusion they transferred me to their debt collections and confirmed they had sold it third party via DNP. I called the number back of the XXXX debt collectors whom notified me previously they had acquired the debt as well and settled for {$800.00} via my aquatintences credit. My friend and I and settled this debt together on a recorded line where he asked multiple questions, just as I did, and was told the same things. We requested and on a recorded line via phone number XXXX XXXX XXXX XXXX extension XXXX, a notified letter of proof of close of debt collection and closure of said proceedings as well as be emailed to both parties of confirmation. She confirmed that would be sent out and a email would be sent out following the ending of the call to both parties involved. She also confirmed my email address, she confirmed my address, and confirmed everything on file left with Ace cash express agency. I have not received any notification of closure, or payment in full, I have not been contacted by Ace cash express or the company acting on behalf of them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
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: 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 non-monetary relief
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc.

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2023-05-09
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: Opportunity Financial, LLC

Complaint:
Opportunity Finance has reported a derogatory account against me in the form of a charge off as of XX/XX/23 in the amount of {$1700.00}. these marks are hurting my ability to get a mortgage at this time. 

XXXX XXXX has reported a charge off as well on 3 accounts I believe that these negative marks were reported without proper permissible purpose as defined under 15 US Code 1681b ( a ) ( 1 ) ( 2 ), 15 US Code 1681a ( 2 ) ( b ), and 15 US Code 1681e ( b ).

Based on my understanding of the permissible purpose law, I do not believe that the late payments and charge offs were reported with proper permissible purpose. I would like to request that you investigate this matter and provide proof that they had a permissible purpose to report this information. If they are unable to provide such proof, I request that they remove the negative marks from my credit report as required under 15 US Code 1681e ( b ) .asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I requested my credit reports through XXXX, and Equifax displayed a full credit report for someone else, " XXXX XXXX '' of XXXX, CA. The report displays the last four digits of my social security number, and " XXXX '' and I have the same birth year and appear to live in the same state, but otherwise we couldn't be more different. I am not sure what's going on, but assuming " XXXX '' is innocent in all of this, this is a HUGE invasion of his privacy ( which I think he should know about ), and I'm concerned my file is being mixed up with this stranger 's. 

I attempted to file a complaint in Equifax 's system right away, but I couldn't submit because answering the security questions honestly didn't work ( because the questions were for " XXXX '', and we are not the same person! ) and my only other immediate option was to file a line-by-line dispute which is irrelevant to me because the whole report isn't mine or submit a statement that'd be displayed in his file, which is obviously not the right option.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
Equifax continues to keep me lock out of my report. I am unable to login to myequifax.com. They are also reporting an account that does not belong to me and I can't dispute the information without logging in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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: TD BANK US HOLDING COMPANY

Complaint:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States 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 an auto loan account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
found out someone was using my ssn to open a XXXX XXXX XXXX XXXX  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