hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am not aware of this debt. I have no knowledg of this debt. I called and I was told that the date listed is incorrect. The original account is dated XX/XX/XXXX. That is the correct date and that means this debt should not be on my credit report as of the end of this month ( XX/XX/XXXX ) Not only is the debt false but the Date is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
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 — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.

Complaint:
Nationstar became the more friendlier Mr. Cooper about 18 months ago. At that time was reporting trade line with all three credit agency, disappear when became Mr. Cooper. I have been trying to get the more friendlier Mr. Cooper to report trade line. They continuous send to research department with no results! This time they said they need a additional 15 days to come up with no solutions. Mr. Cooper XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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:
See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form 1099c and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all 3 credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
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:
I have disputed the incorrect information that Equifax is purposely continuing to report negatively on my credit reports, stopping me from being to buy a home. Because Equifax is still reporting the closed accounts in which I have paid in full they are still reporting 120 days which has dropped my credit score 50 points. These student loans are closed and paid in full. I have spoke to the original debtors and they told me that they have not reported in over a year since the accounts were paid, so it is Equifax who is the ones reporting negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
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:
I have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

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 2017-11-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC

Complaint:
I do not owe XXXX made arguments that didnt matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
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: Experian Information Solutions Inc.

Complaint:
Experian reporting late monthly payments reporting on a closed account. I wonder how were the late payments verified? Please provide proof of bank records and proof of the transactions or receipts that belongs to this account. I've been disputing with Experian since XXXX. Experian had more then enough time to do a proper investigation along with showing me proof of a proper investigation. They are in violation continuing to 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 2022-09-26
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: 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 XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : # XXXXXXXX XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE

Complaint:
Received credit card in XX/XX/XXXX. Paid off outstanding debt to collection company XX/XX/XXXX. Moved lost original payment confirmation paperwork. XX/XX/XXXXcontacted by another collection company threatened concerning BARCLAY BANK OF DELAWARE paid new collection agency XXXX settlement, because of lost original paperwork. Threatened with court and garnishments. Received letter from XXXX XXXX  Office of the President at Barclay Bank Delaware stating that Barclay Bank is not party to any pending judicial matters associated with you or any outstanding debts you may have. I have called an left message at the number given with this letter and yet it is XX/XX/XXXX and I am still receiving debt collections threats and garnishment threats concerning this same account. Does BARCLAY BANK NOT CLOSE OUT their accounts correctly are they rotating through the system and fraudulent debt collection companies allowed to have your personal information are they not sharing that the account is closed out. Does BARCLAY BANK have ACCOUNTANTS are they not keeping up with their own information does XXXX XXXX even exist, does BARCLAY BANK EVEN EXIST or is this a situation where there is a person sitting at home making up fake credit cards and flooding the market with fake credit cards this is my second complaint about BARCLAY BANK FILE COMPLAINT XXXX in XX/XX/XXXXwhat else needs to be done besides me filing a lawsuit against this bank for harassment. This problem has been ongoing for ten years I need help!!!!!!!!!!!!!!!!!!!!! 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 2019-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC

Complaint:
I had filed a dispute with " jeffcapsys '' that i had no knowledge of this account. On XX/XX/2019 they replied that the account information was correct and that is was going to stay on my credit report. I dont even know this company or who they are besides i never signed any agreements or documents ir contracts with this company so i would like this removed from my credit report. Besides theres 2 accounts with " jeffcapsys '' on my credit report with different amounts one for {$240.00} and the other for {$460.00} so i need these removed please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY

Complaint:
I received a letter on Friday, XX/XX/2021 that someone had filed for un-employment benefits in NC and they needed to verify my information, I did not file for un-employment so I called them and the credit bureaus, I also filed a police report. Today, Monday, XX/XX/2021 I received a checkbook and a debit card from TD Bank to my home with my name, address, the last XXXX digits of my social security matching but with a fake phone number. I called and alerted them that I had not opened the account but they did not want to give me any information on how they opened the account to begin with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.

Complaint:
This company states that I owe a debt. I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.

Complaint:
Called inXX/XX/XXXX for initial information on repayment and was told to put in forevearance for 2 years.

Called in XX/XX/XXXX, was told to start paying or go back into forevearance, and I did not have other options. Went into forevearance. XX/XX/XXXX received calls once a week for about 6-8 month stating my loans were defaulted. Through several calls back and forth, Navient finally reversed and put into the forevearance state the loans were recommended by them to be in.

Called in XX/XX/XXXXto go over repayment options, was offered IBR, but was still expensive for me with paying private loans. I asked if it takes into consideration my mortgage, car payment, and other student loans. The answer was that it is already factored in off of my taxes which is not true. I was pushed into forebearance again. 
Finally called last week, asked for REPAYE or PAYE options, was told I dont qualify but was not explained why. Again said that with private loans, mortgage, car, insurance etc I can not afford what is being offered, but PAYE or REPAYE would work. I was told this was not an option and I could defer or consolidate, and when asked I was told consolidating loans will not disqualify me from any loan forgiveness options, which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
I am writing to dispute the presence of a charge off account, closed account, and late payment on my credit reports with XXXX and XXXX. The accounts in question are XXXX  XXXX account number XXXX ( XXXX/XXXX  ), XXXX  XXXX account number XXXX ( XXXX XXXX  ), XXXX XXXX XXXX XXXX account number XXXX XXXX and account number XXXX. I believe that these accounts are inaccurately reported, with unfinished numbers, and are in violation of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681. 
I received my investigation back and you stated you completed a fair investigation, and these accounts are 100 % accurate. 
But can you please answer this one question. How did you investigate these accounts?

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you supposed investigative my consumer report Did you interview my neighbors? 
Did you interview my friends? 
How and Who did you talk to? 
One more thing, can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same information.

I am concerned that these inaccuracies are negatively impacting my good name, character, and ability to qualify for new credit. I have reason to believe that the furnish source of this information is unreliable and not following FCRA laws and 15 USC 1681.

Under the FCRA and 15 USC 1681, credit reporting agencies are required to investigate any dispute that a consumer submits regarding inaccurate or incomplete information in their credit report, and to correct or delete any inaccurate or unverifiable information within 30 days of receiving the dispute.

Therefore, I am requesting that you investigate this matter thoroughly and delete the inaccurate and unverified information regarding these accounts from my credit reports as soon as possible. 

Thank you for your prompt attention to this matter. Please let me know if you require any additional information or documentation to facilitate the dispute resolution process.

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 2020-04-07
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:
I've recently been in constant contact with XXXX, Experian, and XXXX  in regards to several accounts reporting on my credit file that were established without my knowledge or consent. After speaking with the local authorities, I was instructed to fill an identity theft report from the federal trade commission. Since I've completed and mailed out the form which included accounts that were from the direct result of identity fraud, I have yet to receive any cooperation or accurate verification from Transunion, Equifax, or Experian consumer reporting agency. I also included several addressed being reported on my credit file that I were never associated with. It now has exceed past the 30 days that the Fair Credit Reporting Act requires for the bureaus to provide accurate verification has Experian has failed miserably. Experian in addition has failed to block under section 605b upon being notified within 4 days of identity fraud related accounts being reported. Sections 609 and 611 also have been violated in regards to provided accurate verification and identity theft. The accounts related to identity fraud are 1. XXXX XXXX  XXXX  # XXXX, XXXX 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 2019-06-02
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: EQUIFAX, INC.

Complaint:
On ( XX/XX/2019 ) I discovered ( XXXX/XXXX ) had been re-inserted into my credit file from EQUIFAX, INC after being removed from my credit report. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This is a violation of the Fair Credit Reporting Act which states you have to notify the consumer in 5 days and today is XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
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:
XX/XX/XXXX XXXX accessed my credit report without my permission or request. I reported this to Equifax as a dispute that date received notification today that the investigation was complete and I could view the results at Equifax dispute center. Was unable to open the report. Called Equifax dispute center and was told investigation was closed. Also, it was indicated that the inquiry would remain on my credit report for 2 years. This inquiry adversely affected my credit score and I asked Equifax to remove the unauthorized inquiry or to note that the inquiry was not authorized. Was told they can not do this unless I file a complaint with FTC or police. This is that complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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 XXXXXXXX, XXXX XXXX XXXX, and XXXX have 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 2022-08-24
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: Capio Partners, LLC

Complaint:
On XX/XX/2022 a report was made in the amount {$1400.00}. Due to consumer reporting law 15 US 1681 ( a ) ( 3 ) this action has been deemed unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I first noticed issues on my credit report which were inconsistent I notified the bureaus on XX/XX/XXXX then again on XX/XX/XXXX. I will be attaching the letter I sent on XX/XX/XXXX along with a copy of my credit report from XX/XX/XXXX which show the same inaccuracies and inconsistencies. I will list them again for you. 
Date of last activity not consistent : Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Date of last payment not consistent : Transunion : XX/XX/XXXX XXXX  not listed XXXX  XX/XX/XXXX Payment status not consistent : Transunion : Current XXXX  ate 120 days XXXX  Current. 
Metro 2 which is your industry handbook all data needs to be accurate which clearly this isn't since each bureau has different data reporting.

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 2022-01-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2022-08-02
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:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

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 2021-04-12
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:
I have contacted XXXX in effort to rectify this situation and it has not gotten me anywhere. The balance being reported is from XXXX and we are now into XXXX. FCRA states that as a consumer, I am entitled to fair and accurate reporting. This is not it. The balances are wrong.

Company response to consumer: Closed with explanation