hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Complaint : ( XXXX/XXXX  ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

I have NOT given permission for ( XXXX/XXXX ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b . 

TransUnion must remove all information reporting from and relating to ( XXXX/XXXX ) including third party debt collection accounts associated with ( XXXX/XXXX  ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 
XXXX/XXXX TransUnion Account # : XXXX Account Type : Revolving Account Type - Detail : Charge account Bureau Code : Individual Account Status : Transferred Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 0 High Credit : {$4000.00} Credit Limit : {$5500.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Account closed due to transfer Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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: SYNCHRONY FINANCIAL

Complaint:
I opened an account w/SynchronyXXXX XXXX on or around XX/XX/XXXX. I received a notice from Synchrony that my XXXX XXXX account was being transferred to XXXX as of XX/XX/XXXX. But on XX/XX/XXXX I called Synchrony XXXX # as I usually do to make pymts and was advised that they no longer had this account and that I would need to call XXXX ( XXXX ) to make any and all future pymts. I called that number provided and was told by XXXX XXXX customer service member that they did not have any records of my account. Which lead me to call Synchrony once again. This went back and forth with no resolution. At the time I only owed SynchronyXXXX XXXX account {$1100.00}. However, when I checked my credit report, it read I owed {$2300.00} which they now had charged off as of XX/XX/XXXX. I was never notified that this account was charged off prior to me receiving the notice of change in ownership to XXXX. 
Sychrony bank charged off the account yet are still reporting each month to all 3 credit bureaus that I am late every month paying on this account. An account mind you that they no longer have. How can a company report that a consumer is late if they do not have the account, it is transferred or sold, and/or the consumer is unable to make payments to that company? 
Because these creditors pay these credit bureaus, we consumers are at a real disadvantage, and it is making it almost totally impossible for any consumer to have fighting chance to correct any discrepancies. These inaccuracies are causing major adverse effect on my credit report and score, and I have been denied credit due to these inaccuracies. 
I have tried to contact Synchrony Bank directly however, as I mentioned before, I am being told that they no longer have this account and can not assist me in this matter. Therefore, I am writing you in hopes of a resolution.

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: 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. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-08-06
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 7th endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX LA XXXX, LA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/202XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$52.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$76.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Today is XX/XX/2021, and I have been disputing with Transunion, XXXX, and XXXX  about the negative accounts on my report since XX/XX/2021. Some of these accounts are not mine, some are reporting incorrect information, and some are refreshing the dates in order to stay reporting longer. I mailed my first dispute letter to all three credit bureaus on XX/XX/2021, asking them to investigate this incorrect and negative information. I have done my research and that I know my rights as a consumer. Even with Covid-19, the bureaus still have 30 days to respond to my free disputes. I know there might be a delay in the process and their responses, so I tried to give them the benefit of the doubt. It is now XX/XX/2021, and there are numerous accounts still reporting incorrectly on my credit reports. I even sent some of my letters through certified mail because I needed to make sure they were getting them. These are the tracking numbers from XX/XX/2021 ( XXXX  - # XXXX XXXX XXXX XXXX XXXX / XXXX  - # XXXX XXXX XXXX XXXX XXXX / TransUnion - # XXXX XXXX XXXX XXXX XXXX ). These are the tracking numbers from XX/XX/2021 ( XXXX  - # XXXX XXXX XXXX XXXX XXXX / XXXX  - # XXXX XXXX XXXX XXXX XXXX / TransUnion - # XXXX XXXX XXXX XXXX XXXX ). I have been sending in disputes month after month without receiving a response and/or validation as to why the accounts and information remain on my reports. This is unacceptable because this is very harmful to my way of life. This information is available to anyone who would need to pull my credit - housing, employment, etc.

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 2020-09-25
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: CBC Companies, Inc.

Complaint:
i was denied an apartment because of wrong information reported on my XXXX report and XXXX credit report, incorrect info is i was evicted not true XXXX second incorrect information is that i owe the green apartments XXXX and XXXX i spoke with the credit agency XXXX XXXX and they stated i owe nothing i noticed that they have a disorderly conduct that happened back in XXXX, this is past the 7 year mark They have on both reports that i work for XXXX   and thats a previous report, all this wrong information on my credit report kept me denied for housing and this is not fair at all.. i have reached out to XXXX and XXXX three times starting XX/XX/XXXX and until this day this has not been corrected ... they told me only one thing i needed to fix was the dismissal eviction, we fixed that and they went behind my back and came back with a list of items that did not make since, they did not screen me like they screened others ... they never called me to give me any updated info, it was as they was working with the landlord to get me removed ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
I just received an update on my XXXX credit report. The update is now showing that " XXXX XXXX XXXX XXXX XXXX '' is reporting I did a bankruptcy and the amount was charged off to a debt I could not pay.This is completely wrong. I NEVER claimed bankruptcy and I am very upset that this wrong information is reporting on my credit report. XXXX XXXX XXXX XXXX had agreed to delete this account off my report not to report a bankruptcy that I NEVER did.

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 2022-04-10
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:
Can not log into the MyEquifax site. ( https : //my.equifax.com/ ) Error message provided every time is " We are temporarily unable to complete this request. '' I called them and went through some troubleshooting processes with no luck. They told me to try again later. Its been a week and its still giving me this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northtown Capital Services Group LLC

Complaint:
North Town Capital in XXXX NY has been calling me and all my family members trying to get information about someone I am not related to. They refused to completely identify themselves. They lied and said they were a company that just gathers basic info for something I forget what she said. They identify as NCSG only. The lady said by state and federal law they can not disclose information of what they do. Lie one. They said by law they are allowed to call anyone they want when they want.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
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 am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Product: Credit reporting 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 six 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. 
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

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 2023-05-27
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: EQUIFAX, INC.

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC

Complaint:
I get a phone call on my cell phone, almost every other day, from XXXX. My phone only rings once. I 've Googled the number and learned that they are a a debt collector. I have no outstanding debt. I have a credit score of XXXX. 
The XXXX call began XXXX XXXX, 2015. 
I want the calls stopped and any assistance you can provide would be very much appreciated. 
Sincerely, Frustrated

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I signed up for a 0 % balance transfer for 12 months and they didn't honor it but charged me over a hundred dollars in interest on it and I contacted them about it and never heard a word back. I told them no one in their right mind would transfer {$5000.00} into an account with an absolutely ridiculous rate of 24.74 % which they charge for someone with good credit and wont lower.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-22
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:
Under Section 611 of the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any inaccurate or incomplete information on their credit reports. This section places specific responsibilities on both the credit reporting agencies ( CRAs ) and the information furnishers, ensuring that consumer disputes are handled accurately and fairly. I am writing to file a formal complaint against the credit reporting agency ( CRAs ) Experian regarding the inaccurate reporting of non-compliant information on my consumer report. My efforts to address this matter directly with Experian have yielded unsatisfactory results, prompting me to seek assistance from your agency. 

Background and Dispute Nature : On XX/XX/XXXX, I submitted certified mail dispute letter to Experian disputing the accuracy and compliance of information reported by XXXX XXXX XXXX XXXX XXXX. Despite providing evidence and raising concerns about the information 's non-compliance with Metro 2 guidelines, Experian responded that the information was Metro 2 compliant, despite the evident inconsistencies. These inaccuracies have had significant adverse effects on my financial well-being. 

Experian Role and Responsibility : As the entities responsible for accurately reporting and maintaining consumer information, I am deeply concerned about the Experian apparent lack of vigilance in upholding the integrity of the credit reporting system. Experian plays a crucial role in helping consumers access fair and accurate credit reports, which in turn impact their financial opportunities and well-being. In my case, Experian failure to accurately report non-compliant information has led to severe financial and personal repercussions. 

| Reporting Discrepancies | XXXX | XXXX | Experian | | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -| -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- | | Reported On Record To | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | | Last Payment Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | | Last Payment Date ( as per XXXX ) | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | | Last Payment Date ( as per Experian ) | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | | 30 Days Late in | - | XX/XX/XXXX | XX/XX/XXXX | | 30 Days Late in | XX/XX/XXXX | - | - | | 120 Days Late in | XX/XX/XXXX | XX/XX/XXXX | - | | 120 Days Late in | XX/XX/XXXX | XX/XX/XXXX | - |

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
PRIOR TO XX/XX/2020 MY FEDERAL STUDENT LOANS WERE XXXX XXXX+ ON XX/XX/2020 STUDENT LOANS AMOUNT INCREASED BY {$63000.00} AND I AM NOT IN SCHOOL ANYMORE. THE TOTAL STUDENT LOANS ARE NOW TOTALING {$120.00}, XXXX AND THE NUMBER OF STUDENTS LOANS WENT FROM 19 TO 38. THIS INFORMATION IS INCORRECT AS THE DEPARTMENT OF EDUCATION ONLY ALLOW A SPECIFIC AMOUNT IN STUDENT LOANS IN A LIFE TIME. I DONT KNOW HOW MY CREDIT REPORT COULD REFLECT AN INCREASE WHEN IM NOT IN SCHOOL AND WILL NOT BE ENROLLING IN SCHOOL. THIS IS AN ERROR AND SHOULD BE CORRECTED. MY STUDENT LOANS SHOULD BE {$0.00} DUE TO DISCHARGE OF MY STUDENT LOANS THROUGH XXXX XXXX XXXX XXXX DISCHARGE. INSTEAD OF REPORTING LOANS AS BEING PAID IN FULL, THEY DOUBLED IN AMOUNTS OWED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being 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