hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-01-13
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 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 SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
Im sending this complaint on behalf of myself and not a third part as you have suggested from the past. I'm a victim of identity theft and this has been going on way too long I'm tired of these reporting agencies playing games.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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: EQUIFAX, INC.

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc.

Complaint:
Subject : Disputing Information in Credit Report DUE TO : ( 1 ) NO PURCHASES FROM AND ( 2 ) COMPANY OPENING AN ACCOUNT WITHOUT MY KNOWLEDGE. COMPANY NAME IS GINNYS. 

I am writing to dispute the information that is currently affecting my credit history. 

We have been scammed by a company whose name is Ginny 's. They are in XXXX WI XXXX. We have never heard of this company until this issue started. 

We started getting some mail from this company. We thought it was junk mail and threw it away. When I opened one of the mailings recently, it looked like a bill for a purchase they thought I made. The letter looked official and had an account number assigned to me.

Today when I was paying bills, I noticed my credit history had gone down. The company 's name that appeared on the list was Ginny 's and it says I have not paid. I saved some of the recent mailings. I am requesting that Ginnys wrongful credit report be removed AND that my previous credit rating be resumed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
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:
Capital One Bank # XXXX is reporting an account to my credit file with a balance that it should not have. This debt is paid off and I need the entire account removed or updated to show a good account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
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:
I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX Credit Unions XX/XX/2022 XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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:
To Whom it may concern. I am submitting this complaint on my own there is no third party involved. I checked my credit report and i saw i had some fraudulent items on my report. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S.C. 1681c-2. Please see attached FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
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:
CAN ANYONE HOLD EQUIFAX ACCOUNTABLE??? 

I HAVE SEVERAL COMPLAINTS ON THIS WEBSITE AS WELL AS EQUIFAX REGARDING THE WRONG NAME ON MY CREDIT REPORT. EQUIFAX CONTINUES TO PLACE A SUFFIX OF " XXXX '' ON MY CREDIT REPORT. 

I HAVE EVEN HIRED AN ATTORNEY TO SEND THEM A LETTER REGARDING THIS MATTER. AND IT SEEMS TO FALL ON DEAF EARS! THERE ARE SEVERAL CASES STILL OPEN ON THE CFPB WEBSITE STILL OPEN FROM XX/XX/XXXX & XX/XX/XXXX THAT HAVE NOT BEEN ADDRESSED. 

ALSO, MY WIFE AND I WERE VICTIMS OF IDENTITY THEFT IN XX/XX/2019 AND MADE A POLICE REPORT ( ATTACHED ) I HAVE SEVERAL INQUIRIES THAT ARE ON MY CREDIT REPORT ( ATTACHED ) THAT ARE NOT MINE! EQUIFAX SENDS ME A XXXX LETTER THAT I NEED TO CONTACT THOSE BUSINESS 'S ... EQUIFAX PUT THOSE INQUIRES THERE I DIDNT! 

I HAVE SENT SEVERAL LETTER TO MY CONGRESSMEN AND SENATORS TO ASKING FOR NEW LEGISLATION TO CONTROL THESE CREDIT REPORTING AGENCIES AS THEY ARE CORRUPT, INCOMPETENT AND HURT AMERICAN PEOPLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19
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: ALLIANT CREDIT UNION

Complaint:
I am writing to request an investigation and dispute for a derogatory mark I received on my Credit Report from my Alliant Car Loan ( XXXX XXXX XXXX  ). 

On XX/XX/XXXX I was alerted through my XXXX account that my credit score had gone down 91 points. I pulled my credit report and saw a derogatory mark. I called my loan provider Alliant and they said it looked like I did not have insurance XXXX XXXX even though I in fact have insurance for those three months. I called XXXX ( my insurance ) and they said this was caused by a glitch that occurred in the XXXX system.This glitch caused an increase in my car payment from Alliant, which I did not know about. I never received any documents in the mail about my the contracted amount going up. This resulted in an {$8.00} past due on my credit report and a derogatory mark. My account is on autopay and I did not realize the amount had been increased due to the glitch, even though I did have the proper insurance and was paying for it on time every month. I have always paid all of my car payments before this all happened.

Alliant told me to call XXXX Solutions to have my XXXX insurance verified since Collateral Protection Insurance or Force-Placed Insurance was put on my auto loan account, which caused my contracted amount to go up even though I did actually have my own insurance / was paying it on time. Documents have been sent to XXXX Solutions from XXXX to show proof that I did have insurance XXXX XXXX. I was told by the XXXX Solutions that I would receive a refund for what I had to pay when my car loan went up and my account has been updated to show that I did have insurance and my auto loan amount will go down to my contracted amount in around 3 weeks. 

I filed a dispute with Alliant on XX/XX/XXXX and asked them to remove the XX/XX/XXXX derogatory mark and they did nothing help to take the derogatory mark off my credit report even though I did have insurance the entire time and provided documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past,

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 2021-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VIRTUOSO SOURCING GROUP, LLC.

Complaint:
XXXX Received a letter from XXXX XXXX XXXX XXXX XXXX indicating that I had an unpaid balance of {$990.00}. On the same day I received a letter from Virtuoso Sourcing Group, apparently a debt collection agency stating that I owed {$990.00} To XXXX XXXXXXXX XXXX  XXXX XXXX. 

XXXX I called the XXXX XXXX. I spoke to a representative and told them that the bill was not mine. The person I spoke to said that they couldnt give me any information about the bill unless I confirmed my address and last 4 of my social. I didnt feel comfortable giving either information out to the representative but I did give the last 4 of my social. All he could tell me was that work had been done at that address, XXXX, but would not disclose any other information. He gave me the address of the work. I asked if there was anyway to send a bill to that address and not to my address. The man said that I would need to contact the XXXX Police Dept to file a police report. 

Then I called Virtuoso sourcing group. The lady asked for me to confirm the address where the bill was sent. I explained that I never lived in XXXX or Indiana for that matter. She also said to file a police report with the XXXX police dept. She said they would start a file on their end, but I should still contact law enforcement. 

I Called XXXX Police Dept. They told me they couldnt do anything that I had to go through a local police agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: In progress
Consumer complaint received 2019-04-10
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: Experian Information Solutions Inc.

Complaint:
Experian continues to report incorrect public record information on my credit report. As a result and in an effort to help correct the error I have asked them on several occasions for a full description of the procedure used to determine the accuracy and completeness of the erroneous information they are reporting. 

The Fair Credit Reporting Act in Section 611 ( a ) ( 6 ) ( B ) ( iii ) makes clear that the consumer has the right to request description of reinvestigation procedure, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The credit bureau must provide this information within 15 days. 

I have requested this information on several occasions and have been very specific that I am requesting the name and address of the furnisher, as well as the telephone number if available - as specifically stated in the FCRA. 

Experian continuously fails to abide by this provision of the FCRA and instead mails me a canned answer/letter that does not provide any information as to the furnisher, only explains that their procedure is to contact the furnisher and report back within 30 days. 

I have received the same canned answer letter over and over, a copy of which I am attaching. 

As a side note, it is worth mentioning that Experian is the only one of the three credit bureaus reporting this erroneous public record.

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 2022-11-09
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Capio Partners, LLC

Complaint:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information your company obtained to see if it's legit. I never authorized anyone to share my information especially when it's regarding my medical information so please send me validation and send by attaching them to your response. please note that I don't a verification but a validation containing the information listed in the letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
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:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$14000.00}. Please send me the results of your investigation within the next 30 days and correct the disputed account from any erroneous reporting of information on my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SCHOOLSFIRST FEDERAL CREDIT UNION

Complaint:
This past XXXX I paid off the car loan and requested my pink slip. The credit union, XXXX XXXX will not give me my pink slip because I defaulted on a personal loan and still owe XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
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:
It's been well over 100 days since my first attempt and we'll past 30 days since my most recent to get this account verified. They said they would send me put my initial paper work in the mail and I haven't got anything. They 100 % have my correct address as well because I I everything I could to get this resolved and told them this. I've sent letters including some to the credit buros directly recently and I'm done waiting. SHOW ME MY SIGNATURE WITH ALL DATES SND AMOUNTS OR LEGALLY REMOVE IT. You already took it off my transunion report months ago because you agreed you couldn't verify it, you didn't take the time to do the other 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
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:
The goverment has closed my account in wrongful standing and are in violation of my fair credit reporting act. I will seek max penalties if possible due to this. I am currently trying to move but have a history of paying 120 days past due to my ONLY closed Student loan wich is entirely falsified documentation of me and my payment history reported to all 3 reporting agencies. I have always contacted them to be in good compliance with the loan before the wrongfully just took my taxes without notifing me in mail that they were not aware of me being in compliance. Please remove the negative remark of being late on payments or place unknown on the 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 2023-07-15
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm ch

allenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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:
XX/XX/2022 I mailed Equifax a letter with a copy of my state ID asking them to send me documentation on 4 inaccurate accounts being reported on my report. When I disputed them, they were verified by Equifax as valid. It is now XX/XX/2022 and I have not received ANY correspondence. These accounts are inaccurate and are defaming my character and I would like them removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.

Complaint:
i asked mr cooper if they could correct this problem and they told me they will look into it 4 weeks ago XXXX still havent heres problem Account info Account name NATIONSTAR/MR COOPER Account number XXXX Original creditor - Company sold - Account type Mortgage Date opened XX/XX/XXXX Account status Open Payment status Current, was past due 90 days Status updated XX/XX/XXXX Balance {$90000.00} Balance updated XX/XX/XXXX Original amount {$110000.00} Paid off 21 % Monthly payment {$1400.00} Past due amount - Terms 360 Months Responsibility Individual Your statement - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX On time 30 days late 60 days late 90 days late Data unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Comments Account information disputed by consume im still trying my hardest to try and straighten this out can you help out

Company response to consumer: Closed with explanation