hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-10-08
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:
On XXXX XXXX had been taken ill and I sent in a payment to XXXX XXXX XXXX  the payment was sent back due to an error I explained that I had been ill and had put it in the portal and there was an error that put me now behind. I was explained by the servicing company that I could make a payment plan through a Covid program under the cares act. I had made an agreement that I have kept and made all the payments. Experian continues to report erroneous reporting and is not correct all payments are and have been made correctly Experian continues to report erroneous information which is damaging my credit at this time.

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 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
These accounts and inquiries are involved in XXXX  and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2022-06-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION

Complaint:
I have reached out to credit acceptance multiple times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX... They have not responded to my letters. They expressed to me that the company " credit acceptance '' no longer holding the contract but still reporting it on my consumers report with the wrong contact Information. They have sold the account to a collection agency. They did not disclose this Information to me. 15 U.S code 1681b They do not have my hand written signature giving permissible 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 2016-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.

Complaint:
I would like to register a compliant about a company by the name of Navient. Navient is the servicer of my son 's student loan on which I had cosigned. He attended the California XXXX XXXX in XXXX XXXX. 
XX/XX/XXXX, I was getting numerous phone calls from Navient because my son was in arrears with payments. I learned that he had not made a payment since XXXX XXXX and when I finally got in touch with him, he informed me that he was no longer going to make any payments on this loan. To get a handle on the situation, I contacted Navient to get information on what I was responsible for going forward. I asked for a copy of the original paperwork along with payment history. I received a letter dated XXXX/XXXX/XXXX with XXXX papers enclosed. XXXX was a promissory note dated XXXX/XXXX/XXXX with my signature as " Parent Borrower ''. The other was a paper titled " Notice of Loan Guarantee and Disclosure Statement for Federal Plus Loan Disclosed as of XXXX/XXXX/XXXX ''. This disclosure notice gave a variety of information on the loan along with the amount of {$24000.00}. My signature was not on this disclosure form. I contacted Navient again in XXXX to get the payment history that I had wanted and they set me a cover letter with the original loan amount of {$50000.00} and a principal of {$77000.00}. The current loan amount is listed as {$79.00}, XXXX after accrued interest of {$1400.00}. 
I do not have any document with my signature on it with any correlating loan amounts. I do not have any information as to how these amounts were derived. The records they have provided do not demonstrate that I agreed to any specific loan amounts. It appears that I have fallen victim to Navient for their unfair, deceptive, or abusive acts and practices ( UDAAP ). This violates federal regulation and should be investigated. 
This presents a substantial burden on me at this time as I am retired and living on a fixed income. Can you please look into this to see if you can provide me with any type of relief?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : Address. Please update my name to : Name. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-05-10
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:
XXXX XXXX Last XXXX of XXXX XXXX & XXXX XX/XX/XXXX Credit Bureau XXXX TransUnion XXXX XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$480.00}. XXXX on XXXX, Transunion, and XXXX how can First Premier, opened XX/XX/XXXX This is a violation of the FCRA XXXX XXXX XXXX ( I ) XXXX XXXX XXXX ( XXXX ) Civil liability for willful noncompliance XXXX XXXX XXXX ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite XXXX XXXX Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account Their is also false inaccurate incomplete Inconsistent payment history made so all three reporting agencies XXXX shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : XXXX shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : Transunion shows no payment history within the last 24 months

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 2022-03-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint:
HSBC CALLED ME 6 TIMES ON XX/XX/2022. I AM BEHIND ON MY PATMENTS. THEY CALL AND HANG UP. I HAVE TOLD THEM TO NOT CALL ME BEFORE XXXX AND AFTER XXXX. THEY REFUSED TO LISTEN. THEY HAVE PUT EXTENSIVE AMOUNT OF FEES, INTEREST AND LATE CHATGES ON MY ACCOUNT. I HAVE TWO CARDS. ALL OF THE FEES AND EVERYTHING COME TO {$400.00}. THE BIG THING IS THEY KEEP CALLING ME 8 TIMES A DAY. I HAVE NOT GOTTEN A BILL SINCE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
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, everything must be 100 % accurate. 

The credit bureaus stated my account for XXXX XXXX was properly investigated but that is impossible if the balance is inaccurate, the date last verified is inaccurate, date of last activity is inaccurate, date reported is inaccurate, date opened is inaccurate, closed date is inaccurate, creditor type is inaccurate, credit remarks are inaccurate, last payment is inaccurate, and payment frequency is inaccurate, along with tow year of payment history is inaccurate. This is grounds for removal. 

My rights under the FCRA are also being violated such as : 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.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Going for a mortgage to purchase a home for my 3 children, the mortgage company pulls from all 3 reporting agencies, and this information in each credit bureau is being reported inaccurately and inconsistent. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and have failed to do so. Please DELETE this erroneous item immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
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: EQUIFAX, INC.

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
Experian is reporting a fraudulent account from XXXX XXXX on my credit report account number XXXX7 & XXXX XXXX XXXXXXXX account number XXXX. I notified them and filled out the report letting them know these are a result of identity theft it was blocked from my credit report then place back on from the company and Experian refuses to dispute or block this information they are saying they receive documents from the company I ask for the documents they will not provide it to me And one representative told me they have not received any documentation they are just taking them word of mouth theres no documentation because I was in jail at the time these accounts were open so Im filing a complaint because I need the fair credit reporting act youre only supposed to report 100 % accurate information this is identity theft So the information is not accurate .they told me since It was already disputed they cant dispute it anymore and thats a violation of the fair credit reporting act because if an account is fraud youre supposed to investigate re-investigate or if I have the documentation you are supposed to block this account from my credit report I am requesting these accounts be blocked from my credit report pursuant to section 605B 15 US C 1681C-2 Of the fair credit reporting act

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 2019-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX and Transunion are reporting incorrectly that I am 30 to 90 plus days past due on XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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. 
XXXX ) XXXX XXXX XXXX ) XXXX XXXX ) XXXX XXXX -Acct # XXXX. XXXX ) XXXX XXXX-Acct # XXXX XXXX ) XXXX XXXX- Acct # XXXX XXXX ) XXXX XXXX. XXXX XXXX ) XXXX XXXX Acct # XXXX XXXX ) XXXX XXXX- Acct # XXXX 15 U.S.C. 1681 Section 602 A. States I have a 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 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. 1681c-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 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 2019-04-16
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: Rocket Mortgage, LLC

Complaint:
I'm not sure what exactly..but it seems off almost like its missing information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I have recently obtained a copy of my XXXX  credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: 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 XXXX5 USC 1681. 

I told Transunion to reinvestigate this accounXXXX XXXX XXXX XXXX XXXX Account Number # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with 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 2023-10-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL

Complaint:
I disputed with this creditor for multiple FCRA violations. The creditor has listed a balance of XXXX $ along with a collection thats already charged off. The creditor has reported late payments in addition to a closed collection account. I disputed this account on XX/XX/2023, XX/XX/2023 and XX/XX/2023. The creditor reported this account meets FCRA requirements but violated the FCRA multiple times

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 2019-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.

Complaint:
I have been a victim of identity theft and it seems that this is never ending miserable issue for me. The credit cards with Department Stores National Bank/Macys with account ending XXXX was opened fraudulently not by me. I disputed this account with the original creditor and they had told me that this account was already closed due to fraud and the accounts was deleted from my credit file. I submitted a federal trade commission identity theft report that they had sent me years ago for this fraudulent account as well. Now, this account is in collections and I don't know how it was transferred to a collection with wrong information when it was closed due to fraud. I have even forgotten how many years back this account was opened and closed due to fraud and removed off my consumer credit report. This is not only frustrating but it is also causing a negative impact to my name for an account I never had opened to start with.

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 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
XXXX/XXXX/XXXX I paid XXXX XXXX XXXX XXXX {$240.00} satisfying this debt in full. I am no longer responsible for this debt that is being reported on my credit report as a collection. This debt does not belong to me and should not be reported to any credit bureaus as a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PDQ Services, Inc.

Complaint:
I have filed multiple complaints regarding ID theft I owe this company nothing nor do I owe any of its affiliates. I have never paid this company or any of its affiliates. I am aware that there is someone is using my information but this company doesn't seem to care. I would like any documentation with my signature including an application with my name on it to include with my 4th official police report

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief