hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-03-30
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: 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 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2022-08-31
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:
Experian is now aware that it is harboring data for an XXXX XXXX account listed in my credit file. They were made aware of the issues both through CFPB complaint XXXX on XXXX XX/XX/XXXX and through the Experian dispute system. On XXXX XX/XX/XXXX Experian returned results from the dispute system. The specialist claimed they could not find an account matching the supplied last five ( 5 ) digits of my card number. Note that same number is used when XXXX has replied to me on official letterhead through the CFPB complaint system. The account was charged-off by XXXX because XXXX failed to generate billing statements. And, despite multiple billing error notices from two ( 2 ) collections agencies, and myself over a year-long period, they never rectified the situation. That scheme was explained fully in XXXX and is similar to what XXXX attempted to do with my student loan account. When I disputed XXXX information through Experian, the specialist responded with : " A Charge off status means that the credit grantor wrote the balance on the account off as a bad debt. When an account displays a status of charge off, this means the account is closed to future use, although the debt is still owed. The credit grantor may continue to report the past due amount and the balance owed. The account and the payment history will remain on the personal credit report for seven years from the initial missed payment that led to the charged-off status. If you pay the account, the status will reflect as a paid charge-off. That is, a specialist at Experian was able to articulate the extent to which any firm may report information for a XXXX  account in a credit file. Yet, as outlined in XXXX XXXX  is furnishing information that implies future monthly obligations via late payment history that advances every thirty ( 30 ) days. As outlined in XXXX, Experian is well aware that enabling XXXX  to supply information that implies future monthly payment obligations is misleading and considered a FCRA violation as established under Jackson v. Experian Info. Solutions, Inc., Case No. XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX. XXXX, XXXX ). This is no different and as such, I am demanding that the account and tradeline be removed immediately and that XXXX be blocked from reinserting information for this account because Experian is in violaton of the provision of the Fair Credit Reporting Act ( FCRA ) applicable to credit reporting agencies, 15 U.S.C. 1681i ( a ). I have included all documentation with XXXX so that Experian understands what exactly XXXX is doing and why.

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 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have disputed the following Collection Account with TransUnion & XXXX - I am in the process of disputing with XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Balance - XXXX XX/XX/2018 They have failed to remove this collection account from my reports, that I have no knowledge of. This Collection Agency is not licensed, nor bonded in the state of Tennessee, in which I reside, which is a direct violation of TN State law, along with violating FCRA requirements. 

I want this illegal Collections account removed from all 3 of my credit reports immediately & all collection efforts ceased before I am forced to seek legal counsel because of the damages that I have been subjected to.

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 2023-03-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC

Complaint:
I have a car loan thru XXXX XXXX that is current and the next payment due is XX/XX/XXXX. The car was stolen and totaled in XX/XX/XXXX and was located confiscated by the XXXX XXXX XXXX. XXXX XXXX told me they would retrieve the vehicle from impound, auction it and put any remaining monies to the remaining amount of the loan. They advised this would be about a 90 day process. I advised XXXX XXXXl that I would continue to make my payments until the process was complete and I receive a final balance. I have paid as promised and only owed about {$500.00} total on the initial lease. I made a double payment on XX/XX/XXXX. I spoke with a representative when I made the payment and no update was given on what the final balance would be. 

I get an email on XX/XX/XXXX from WestLake Portfolio Management, a collection agency advising me the remaining amount of my lease has been sent to them for debt collection. They advise I owe {$1300.00} for a repossession. I called and verified this with them. 

I never received a letter, email or phone call from XXXX XXXX about the final amount owed. I also never missed a payment. My online account shows current as well as my credit report. 

WestLake Portfolio Management is trying to collect on a false debt and XXXX XXXX placed it there on false terms.

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 2020-10-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint:
In XX/XX/2020 we applied for, and was granted a COVID mortgage forbearance for our property by XXXX XXXX which went into effect XX/XX/2020 through XX/XX/2020. In XX/XX/2020 our mortgage servicing was assumed by XXXX XXXX XXXX, XXXX. In late XX/XX/2020 I recieve a " Late Morgage '' notice for our XX/XX/2020 payment and immediately reached out to XXXX to notify them we were on a forbearance and uploaded our origional documents to their portal. They claimed to have " no record '' of our agreement with XXXX. I was immediately placed on a new forbearance plan with XXXX that was to run from XXXX through XX/XX/2020. I continued to contact XXXX numerous times as the " XXXX '' missed payment ( which was protected under a forbearance plan by the previous servicer ) was going to be an issue in time. Sure enough in XX/XX/2020 XXXX reported missed payments to XXXX, XXXX and Experian credit monitoring. My score dropped from XXXX to XXXX. I have since reached out to XXXX loss prevention numerous times, only to be told " we are working on it '' in one call, to " we have no record of your previous forbearance '' others. This is 100 % blatant abuse of the CARES act by our mortgage servicer and there seems to be no recourse for those of us who applied for, and were granted, relief during the COVID pandemic. Please help.

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 2018-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RFNA, LP

Complaint:
this company claims that I owe them a debt, and put a negative mark on my credit report. I sent this company a debt validation letter to have them clarify this debt. the company called me and left a voicemail stating that if I don't answer the phone, they wont validate the debt. According to the fair debt collection practices act sec 809 once a debt is disputed, it must be validated. so ignoring this letter is a violation of the collection practices act. I would like everything documented in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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 2021-10-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
In XX/XX/XXXX, I responded to a letter about credit cards from Capital One. Capital One sold the account to XXXX XXXX and I advised them that the amount claimed owed from Capital One was inaccurate because payments/refund from a cancelled cruise in XX/XX/XXXX was credited to the account. I also wrote to Captial One in XX/XX/XXXX. Both responded as if no payments were returned to Capital One. XXXX XXXX provided copies of billing statements up to XX/XX/XXXX, and did not provide any statements showing credit/payment for the cancelled XXXX cruise. 

I just discovered that XXXX XXXX have reported the account to XXXX even after failing to validate the amount owed during the validation period,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
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:
The credit bureau still have inquiries on my report that do no belong to me. I sent in the documents that they asked me to send in. They told me the process would take 72 hours. This was 18 days ago. I called and I resent the required documents. They confirmed receiving them. They are still showing. I was told that the items would be removed after I sent them the required information. 
These need to be removed 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 2020-05-06
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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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 report act XXXX XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.

Complaint:
I opened a checking account with Citibank N.A. through their online portal and funded the account in the amount of {$15000.00}. I received a bank statement for the period XX/XX/2018 through XX/XX/2018 that stated that the deposit had been made on XX/XX/2018. 

On XX/XX/2018, I called Citibank to inquire why I could not activate the debit card that they had sent me and I was advised that the account had been closed by Citibank. They claimed there were issues about my address and they unilaterally closed my account when they could not resolve the issue. I was further told that in order for Citibank to send me my money they would need a copy of a utility bill. On XX/XX/2018, I faxed a letter to Citibank that stated that I do not have a utility bill in my name as they are in my husband 's name and his last name is not the same as mine. I faxed Citibank a copy of the debit card which I had received and the copy of the bank statement as proof that the address that they had was a good address. 

On XX/XX/2018, I called Citibank to confirm receipt of my fax. I spoke with XXXX in the New Accounts Department ( she refused to give me any last name or employee information ) and she said that she could not send me my funds unless I had a utility bill or went into a bank branch to get my money. I live in Georgia and the nearest branch is in Washington D.C. I offered to send a copy of my driver 's license to prove my address but she told me that that was not acceptable. I asked to speak to a supervisor and XXXX told me that there was no supervisor available. 

I need the help of the CFPB to get me my {$15000.00} which Citibank is illegally holding.

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 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/XXXX I checked my XXXX XXXX account and my score was lowered and the reason given was a credit inquiry from XXXX XXXX. I have never heard of this company. I then checked my TransUnion credit report and the number given was XXXX. This led to an automated message for me to call XXXX which was TransUnion itself. When I spoke to a representative they told me my claim was XXXX and that I needed to file a complaint with the FTC.

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 2023-08-22
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.

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without 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 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
This my follow-up complaint about being a victim of identity theft. You must remove/block any items that 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
In accordance with thee 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 XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX, Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681Section 604 A Section 2 : also states a consumer reporting agency can not furnish account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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 consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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