hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-09-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC

Complaint:
I am in the progress of trying to fix my credit. I Noticed a collection on my account from a Jefferson Capital Systems , LLC. I never did any business with them and notice they said they were trying to collect a debt from when I had XXXX. To which I closed and paid my final bill. So i know I do not owe them anything. I sent them a certified letter with they account number that they have posted on my credit report asking for Validation of the debt. In accordance with 15 U.S. Code 1692g, I requested verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for the debt. I asked that if they do not have this information then to please remove it off my credit report. As of today they have not responded to my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
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:
My credit report is showing late payments to 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 and XXXX XXXX  XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX 's customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01
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 sent this company my dispute letter on XX/XX/XXXX with detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them run a smooth investigation on this matter : But to my surprise this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action. 
For yet one last time, the following accounts are derogatory : XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3300.00} XXXX   XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2800.00} XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX  XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$2900.00} XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$1000.00} XXXX  XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} XXXX  XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1900.00} XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX, Date Opened XX/XX/XXXX, Original Balance {$610.00} XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$5800.00} I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference.

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: 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 Number : XXXX Has Violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number : XXXX Has Violated my rights In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account Number : XXXX has violated my rights In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX Account Number : 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

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 2022-06-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Genesis FS Card Services, Inc.

Complaint:
In accordance of fair credit acts the list of accounts has violated my federal rights 15 U.S.C 1681 I have not XXXX giving permission for my info to be shared with. 
XXXX XXXX  XXXX 15 USC I have not giving written construction 15 USC Have violated my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc.

Complaint:
I reviewed my consumer reports and noticed that I had missed payments on a couple of accounts, but there were discrepancies in the payment history, date account was opened, highest balance, last payment made, credit limit, and account closed date. Consumer Reporting Agencies have a responsibility to report consumer information with maximum accuracy and to the best of their ability. According to 15 U.S Code 1681e of the FCRA, if any information is not reported with maximum possible accuracy it should be corrected. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I request that these payments be updated to paid on time, as I believe I was never late. 

If it is proven that was in fact late on these payments and the discrepancies are updated on my report, please be advised that according to 15 U.S Code 1681a ( 2 ) ( a ) ( i ), transactions arent supposed to be included in my consumer report. Therefore, late payments should not be reported on any consumer report. Please remove the late payments associated with the accounts. 


The accounts that reflect the inaccuracies and discrepancies are listed below : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account 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 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: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX, XXXX and 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.

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 2021-11-03
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRUIST FINANCIAL CORPORATION

Complaint:
I sent a verification for debt on XX/XX/23 I spoke ( via phone ) with service finance company and requested they only contact me thru mail system. On XX/XX/23, after several calls a week, I emailed them not to contact me via phone ; only in writing. they continued to call. On XX/XX/23 they received a certified letter validating debt. they haven't responded to letter and continue to call me. On XX/XX/23 service finance continues to call me and email me to collect on debt. This is a violation of 15 usc 166B, 15 usc 1681IA 2 ( A ) ( I ), FCRA 15 USC 16811 N - willful noncompliance. This debt doesnt match my name or my signature on promissory note to pay. I have attached proof the have been sent a debt verification notice as of XX/XX/23

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 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.

Complaint:
Lawsuits : 1. Federal Trade Commission Vs XXXX Status : settled for XXXX ( XX/XX/XXXX ) 2.Consumer financial protection Bureau vs Navient Status : Pending I am XXXX XXXX XXXX Veteran who went to XXXX University from XX/XX/XXXX-XX/XX/XXXX Racked up XXXX student loans which eventually end up with Navient. I also have about XXXX private student loans with XXXX XXXX while going to XXXX XXXX sold me a dream, I got a college degree in XXXX XXXX and I am now XXXX. It has been a nightmare to find decent paying job with my worhtless degree. FTC vs XXXX Stated that allegely XXXX misled prospective students with ads and touted high employment rated and income levels upon graduation. XXXX ended settling in with FTC for XXXX. 

Navient is now being suit by Consumer Financial Protection Bureau along with US Attorney General office, XXXX Attorney general and XXXX Attorney general for unlawful practices such as misallocated payments, steered people into costly plan and supply wrong information. 

These XXXX loans payments, XXXX with Navient and another XXXX with XXXX racked up very high interest plus my other unsecured debt which forced me into Bankruptcy XX/XX/XXXX. 

I learned the US attoney general filed a lawsuit agains Navient along with other Attoney general from other states individually. I would US Attorney General to come on board strongly to protect the interest of XXXX residents affected by Navient reckeless behavior and joint other states AG and file a lawsuit against Navient. 

I would like some relief or perhaps forgiveness on my student loans since I got stuck with a worthless degree and very high student loan debt. 

See Links XXXX CFPB Lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S CRUEL ACTIONS. I ALSO FEEL LIKE I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
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: Fidelity National Information Services, Inc. (FNIS)

Complaint:
Closed an account from XXXX XXXX  with cashiers check as I was moving to another location which did not have XXXX XXXX. I then opened an account at local XXXX XXXX XXXX branch and the cashiers check I had didn't deposit until about 90 days, XXXX XXXX XXXX requested documentation and the proof that it was a valid check. I called the previous bank ( XXXX XXXX  ) and the branch manager sent over motorized check/copy and letter confirming it was a valid check not suspected fraud as XXXX XXXX XXXX implied. XXXX  XXXX XXXX closed the account and placed suspected fraud on the XXXX which severely refrains me from opening an account at any other bank. This information is false and need to be removed from my history as I am not a fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.

Complaint:
AFNI, INC AT @ T AFNI, inc. 
XXXX XXXX XXXX XXXX, IL XXXX FTC affidavit submitted with proof of id and address. 

Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.

Complaint:
Citibank. 
I wrote a check for {$10000.00}. to XXXX XXXX in Virginia as a deposit for the purchase of a property in Virginia. We reside in California. We began to receive text and email " Fraud Alerts '' from Citibank. Citibank wanted us to push a button that said that we 'DID ' or 'DID NOT " write check # XXXX on certain day for {$10000.00}. Well, we did write a check for {$10000.00}. but the check was check # XXXX, not # XXXX. We did not want to push the button for the wrong check number, but we did not want to jeopardize the purchase of the property, because we did indeed write a check for {$10000.00}. on said day. We drove to Citibank in XXXX XXXXXXXX, California. The banker, at her desk, had us call an XXXX number. When we spoke to the Citibank Representative, she was useless and had us call another XXXX phone number for another department .... and around and around the XXXX phone numbers we were routed. No one could help us and we finally gave up. The bank representative at XXXX XXXXXXXX Citibank had us move from her desk because we were on hold for so long. 
The bankers at Citibank would not help us resolve this ; they either could not, would not, didn't have a clue as to what to do, or did not have the power to effect a resolution. 
We were floored and finally left, problem unresolved. 
I called the real estate agent in Virginia, who said ... .. " well, I dunno ... .. just push the button, I guess. '' So ..... I did. 
I don't think it was fraud, I think that the electronics picked up a 6 instead of a 5, that the electronic 'eye ' read XXXX instead of XXXX. But, shouldn't Citibank be required to intercede and resolve this check number inconsistency? 
BUT .... not one in Citibank could/ would help me resolve this! We were in the bank in- person. They could not or would not over-ride the system or communicate with the fraud unit to resolve this important matter ; all they did was tell me to call an XXXX phone number.

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 2020-04-19
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:
ftc he Fair Debt Collection Practices Act ( FDCPA ) protects consumers from unfair and abusive collection practices. The law regulates professional, third-party collection businesses, agents and attorneys, but not " in-house '' collectors, or employees of creditors who collect their own debts. 

XXXX XXXX XXXX XXXX XXXX has agreed to settle Federal Trade Commission charges that its MINI Division violated the Magnuson-Moss Warranty Act by telling consumers that XXXX would void their warranty unless they used MINI parts and MINI dealers to perform maintenance and repair work.XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
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:
Equifax ; XXXX  and XXXX  should not be reporting each inquiry listedas a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the 45 plus days that is typically allowed to check different lenders and find the best loan. These inquires are all of like kind and therefore should only be reporting as ( 1 ) line item. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report as only ( 1 ) inquiry. It is a violation of the Fair Credit Report Act not to report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
There is incorrect information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
XXXX XXXX XXXX XXXX incorrectly reported my car lease/loan account as delinquent. The car was returned on time prior to the lease end date and all payments were made on time. In the time of hardship during covid-19, it brought my credit score down drastically and affected my ability to receive a personal loan because of this issue. The bank admitted it was a mistake but never resolved the issue with credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On XX/XX/XXXX I sent, via certified mail, a letter to Capital One disputing inaccurate information on my credit report. In my letter I detailed the issue and provided proof of my credit report showing their mistake. 

My dispute with Capital One is as follows : I had an old credit card that was closed due to non-payment back in XX/XX/XXXX. This card shows on my credit report as a negative against my score. ( This is accurate ) I made an agreement with a Capital One rep to open a new card and allow me to pay off the balance of the closed account. In XX/XX/XXXX, I was given a new card and the balance of my old card had been transferred over. My new card has been paid on time ever since, no issues there. 

The problem exists in the reporting. My old card shows as a negative closed account with the months for nonpayment. ( Accurate ) My new card shows as if it was open since XXXX, when it was open in XX/XX/XXXX. ( They are reusing the date of the old card ) My new card also shows the old nonpayments on it. ( Has never been late or missed ) Capital One is reporting one negative account twice. They are double reporting the same months of one account in both the old card and the new card. 

Today, XXXX XXXX, XXXX, I received a generic Capital One letter dated XXXX XXXX, XXXX, stating that they are unable to change their reporting on a courtesy basis. ( This is not a courtesy. This is inaccurate ) The letter does not provide any explanation. 

I called Capital One and spoke to two reps and a supervisor. They all stated that they can not view any details on the case and that there is no one I can speak to because the dept that handles these claims is a back office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.

Complaint:
I had 7 student loan account with Nelnet. They were transferred over to collection ( they have since been paid in full ). However on the credit reports for XXXX and XXXX, the status shows as currently 120 days late even though the account was transferred and no balance is owed. I have disputed the incorrect status with XXXX and XXXX only to have Nelnet confirm its accurate. I called Nelnet directly and asked the to correct the status and the stated that because it used to be over 120 days late they are not obligated to correct the current status. There is no balance owed to Nelnet. The account was transferred. The CURRENT status should state account was transferred. I am NOT currently 120 days late.

Company response to consumer: Closed with explanation