hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-02-20
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:
XXXX  XXXX XXXX was reporting a balance of {$270.00} of {$300.00} limit causing a credit rating decline. I paid this account off in full XX/XX/2020 as shown by XXXX XXXX. Transunion still to this day shows a balance of {$270.00} of {$300.00} that is dropping my rating every month several points. XXXX XXXX claims to be reporting it as XXXX balance, but Transunion still will not correct it claiming {$270.00} of {$300.00} is a correct balance when I disputed it 3 times dating XX/XX/2020, XX/XX/2020, and XX/XX/2020. I want this corrected ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your 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 explanation
Consumer complaint received 2023-04-23
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:
NOTICE OF DISPUTES I've tried numerous times to remedy this with TRANSUNION. TRANSUNION has done nothing except delay. They had earlier said that the accounts had been verified. I am once again requesting that TRANSUNION give me with documentation indicating that I am LEGALLY OBLIGATED to pay this supposed debt. TRANSUNION has received identity information on several occasions. Please take in mind that this is causing financial difficulty. Failure to reply in an appropriate and lawful manner will result in further legal action. Failure to react within 14 calendar days will be seen as your acceptance of the debt 's illegitimacy. Please confirm and give evidence that I am " LEGALLY OBLIGATED '' to meet these apparent commitments. " HAVE BEEN VERIFIED '' is a basic response. Respectfully delete the following immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
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 have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX  and TransUnion reported this error.. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score.  CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2016-04-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC.

Complaint:
AFNI is reporting a account on all XXXX of my credit reports. XXXX, and XXXX. I have disputed this account with all XXXX credit bureaus and AFNI several times, and requested investigations. All XXXX credit bureaus informed me that AFNI verified and confirmed that the account belongs to me. I have not received any proof or documentation from AFNI that confirms this account belongs to me. I also submitted copies of the police report indicating that my personal information such as Social Security Card, Driver 's License, Birth Certificate, and briefcase that held all my credit cards, debit cards, and check book was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
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: Experian Information Solutions Inc.

Complaint:
THIS IS NOT A DUPLICATE REQUEST. EXPERIAN IS NOTHING MORE THAN A BUNCH OF CRIMINALS AND MORONS. THE COMPLAINT IS THAT YOU DID NOT RESPOND TO ME ABOUT MY COMPLAINT IN 30 DAYS, TO WIT ... ..

YOU DID NOT DO YOUR INVESTIGATION IN 30 DAYS. I DARE YOU TO RESPOND TO THE ACTUAL COMPLAINT. RESPOND TO THE FACT THAT YOU DID NOT INVESTIGATE IN 30 DAYS. REFRAIN FROM YOUR LENGTHY, FULL OF XXXX  RESPONSES, THAT ARE INTENDED TO CONFUSE.

RESPOND ONLY TO THE FACT THAT YOUR INVESTIGATION WAS NOT CONDUCTED IN THE LEGAL FAIR TRADE CREDIT REPORTING ACT 30 DAYS.

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 2023-08-16
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-18
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: CITIBANK, N.A.

Complaint:
This is a corporate credit card. They agreed to remove as it was not my fault it wasnt paid as the amount was so large it required executive level sign off. It went on my credit and its not my card its the company card used for corporate travel. I no longer work for the company and it continues to hinder/ruin my credit. 
I have contacted the company and they said they would remove it and have failed to do so. They were reporting it unpaid for the longest time and i had to dispute that as well. The finally marked it paid but refuse to remove it after stating they would.

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 2022-03-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: U.S. Auto Credit Corporation

Complaint:
This companyis garnishing my paycheck. I was never served with any paper work of the lawsuit and this suit was filed after the statue of limitation. This XXXX was repossesed XX/XX/XXXX I only found out about the garnishment through my job advising me on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2017-10-18
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 tried for two months to ask Equifax to remove inquiries on my credit file that I do not recognize and to correct my name. I have sent them my drivers license and my SS card and nothing. Sthe hack my credit has been giving me issues. As a person who is having issues with information on my credit file its frustrating to see that the agency wont correct this. As a result, I will be canceling my Equifax premium account.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting act XXXX Accounts # 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 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 non-monetary relief
Consumer complaint received 2017-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc.

Complaint:
I recently filed a complaint with XXXX against Paragon revenue company filed number XXXX about submitting negative information on my XXXX report. They agreed to delete the information and remove all of the alleged debts from there office.. on XXXX/XXXX/2017, I received an alert from my XXXX and Paragon re- inserted the debt back onto my report which has caused a XXXXpoint decrease to my score ... I called to confirm with XXXX and it was put on there again for the amount of XXXX .. I have tried to be a great consumer and be in compliance with this company. I have enclosed all documentation about this company. .I have paid the original CREDITOR for the alleged debt ... I have recently started the process with a local attorney against Paragon.. This company has violated several laws ... I was in the process of closing on my home on XXXX/XXXX/2017, but when Paragon added this debt to my report it decreased my chances of closing ... I have enclosed documents from Paragon as well as XXXX who is the debt was old too..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
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: BARCLAYS BANK DELAWARE

Complaint:
In accordance with the fair credit Reporting act XXXX Accoufft # 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 a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
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:
In XX/XX/2018I disputed an inaccurate account with EXPERIAN. In XX/XX/2018EXPERIAN responded back saying the account was verified. The account showing inaccurate information is XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX account # XXXX I received a copy of a statement from XXXX XXXX XXXX on the Account ending in # XXXX and # XXXX and both statements are showing an address not associated with XXXX XXXX XXXX. I have enclosed the copies of both statements on the account showing the address not associated with XXXX XXXX XXXX  the address showing on the original creditor statement is XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX. I XXXX XXXX   address is XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX. Please remove this inaccurate account or i will file a suit. All credit bureaus are supposed to report 100 % accurate information. All credit bureaus are supposed to conduct a reasonable investigation. This is not a reasonable investigation as for your company would have caught that the address on the account ending with XXXX   and XXXX  is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. I received a copy of the statement from the creditor and the address is listed with an unknown address, please remove these account from my credit file. I have enclosed copies of the statement from the original creditor thats reporting on my credit report.

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 2023-08-21
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 — 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 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 explanation
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP

Complaint:
Equifax is listing the incorrect dispute street address for American Honda Finance, aka Honda Financial Services. Equifax clearly lists the address for American Honda Finance as XXXX XXXX XXXX XXXX XXXX NC XXXX. This is clearly wrong, the correct address for HFS ' NC location is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. Honda Financial Services also has an address in Texas - Honda Financial Services, XXXX XXXX XXXX, XXXX, TX XXXX. What is the correct address for disputing information with XXXX XXXX XXXX, aka Honda Financial Services. This address provided by XXXX has probably been incorrect for YEARS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.

Complaint:
On XX/XX/XXXX at XXXX I went to go send my friend some money through XXXX XXXX and my account got blocked after that and I have contracted Citi Bank XXXX times and they said that they can't verify my account via phone number and my phone numbers are on there since I opened this account and they also said that they sent a letter out with a reference number on it and I've been waiting for that letter for 3 weeks and I continued to call them about this issue and they also said that the sent out 3 more letters and I can't close my account because they need to verify my identity to have full access to my account so they can close it so I really need help with this issue and my checking account is still currently blocked and I can only see my savings account on the mobile app and not my checking 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
Consumer complaint received 2023-03-24
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: EQUIFAX, INC.

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: SUN LOAN COMPANY INC.

Complaint:
So I recently called sunloan XXXX XXXX and they told i ( XXXX XXXX ) that I only had one loan and she said it wasnt possible for this second loans that reporting claimed to been opened on the same day as the first one! Please take this off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.

Complaint:
Acounts open since 2015 macys XXXX XXXX XXXX XXXX car insuranse my XXXX report show me all this debts

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 2020-12-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.

Complaint:
XX/XX/2015 I changed phone service provider/carrier & service was terminated from this previous service carrier/provider. 
XX/XX/2015 This debt collection suddendly appeared on my credit report ( fictitious service for XX/XX/2015 ) without any contact or notification whatsoever from the company or debt collector at all of owing this debt..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation