hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-01-29
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 written Equifax on numerous occasions in reference to reporting inaccurate information. I was never late for payment with XXXX XXXX, I have never been late on my XXXX  XXXX account opened XX/XX/2016. I have never been late for payments on my XXXX/XXXX  account. I do not have a written contract/agreement with XXXX XXXX XXXX that states I owe {$330.00}, I also do not have a written contract/agreement with XXXX  XXXX, XXXX that states I owe XXXX which is inaccurate. XXXX XXXX XXXX inaccurate balance of XXXX the correct balance is {$0.00} and There is inaccurate balance of XXXX for XXXX the correct balance is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
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:
Imma victim of idnrntity theft and they have my extended fraud alert and police report to block these accounts and inquiries and now XXXX   refuses To delete them as they have in the past and Equifax too XXXX   has removed the information that they are reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
What is this complaint about? 
My credit score being decreased instead of increased by TransUnion. 

What type of problem are you having? 
TransUnion made an error by decreasing my credit score instead o increasing my credit score. 

What happened? 
TransUnion decreased my credit score by XXXX points from a XXXX after they removed to erroneous collection accounts that I reported to them and requested their removal from my credit report. 

What company is this complaint about? 
TransUnion Who are you submitting this complaint for? 
Myself, 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 2016-06-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION

Complaint:
This debt is from a XXXX hospital, I do not have any XXXX. 
I called the hospital direct n they have no records of my name showing anywhere and they also told me they do n't use this company for there collection services. I also spoke to the collection company the hospital does use and they have no records anywhere. I XXXX this company and the number that shows is not in service. How do I respond or try to get this resolved if there is no phone number or email address to explain to them that I do n't have XXXX and that I do n't go to that hospital. I go to 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 2019-08-07
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:
The following companies ran unauthorized credit inquiry on my credit report. Please remove asap as these are suspicious to me : XXXX XXXX DBA XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.

Complaint:
XX/XX/2022, I went Citibank on XXXX XXXX XXXX XXXX XXXXXXXX California. I tried to wire XXXX to XXXX  for my girlfriends wedding ring. They told me they wouldnt send the wire and they shut my account down. My account has XXXX in it. I havent received any of my money. This isnt fair.

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 2023-09-01
Product: Credit reporting 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 formally dispute and request the removal of inaccurate information from my credit report, as provided by your bureau. It has come to my attention that the items I recently disputed have been verified, but upon further review of my credit report, I have identified numerous additional inaccuracies. These inaccuracies are in violation of federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Billing Act ( FCBA ), Fair and Accurate Credit Transactions Act ( FACTA ), and applicable statute of limitations laws, as well as state Deceptive Trade Practices Acts ( DTPA ). 

The following items on my credit report are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you investigate the accuracy of these entries and provide documented verification within 30 days, as required by the FCRA. If you can not verify these entries or if they contain inaccuracies, I insist on their immediate removal from my credit report, as mandated by federal and state laws. 
Under the FCRA, I am entitled to : A timely response to this dispute ( within 30 days ). 
A free copy of my credit report once this dispute is resolved. 
The removal of inaccurate information. 
Furthermore, the FCRA, FCBA, FACTA, and DTPA emphasize the importance of ensuring that the information on my credit report is accurate, fair, and substantiated. Violations of these laws may result in legal action. 

In addition to the FCRA and FCBA, please consider the following laws that protect consumers like me : The FDCPA, which ensures fair and ethical debt collection practices. 
Statute of Limitations laws, which may apply to the debts in question. 
[ Include any relevant state-specific laws, such as your state 's DTPA. ] Enclosed with this letter are copies of documents supporting my claims. 

Please send me written confirmation of the actions taken regarding this dispute, as well as an updated copy of my credit report once the inaccuracies have been rectified.

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 2020-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Health Care Financial Services, Inc.

Complaint:
Two dept collection agencies ; Account Resolution Service,  XXXX XXXX XXXX, have been reporting unverified and invalid information to all three major credit bureaus, creating a highly negative impact on my credit score. The agency Account Resolution Service reported a collection in the amount of {$1400.00} and the agency XXXX XXXX reported a collection in the amount of {$780.00}. I reached out to both agencies via certified mail in effort to request that they validate the dept in question. The letters were sent out on XX/XX/2020. I then allowed the collection agencies 30 days to respond to my letter. It is now XX/XX/2020. This exceeds the 30 days I allowed for the agencies to respond. I would like further assistance in the validation or removal of these items from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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:
This is my third 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 challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$710.00} ; XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX Balance : - ; XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on 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 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.

Complaint:
I'm currently applying for a pre-aproval mortagage loan. The company helping me with this process request a paid credit report from the 3 agencies EXPERIAN, XXXX, XXXX. XXXX and XXXX already release my credit information on XXXX XXXX. EXPERIAN still no release any credit report. 
I had been trying to speak to an agent calling their number ( XXXX ) XXXX for 2 days. Ofcourse it is totally impossible to speak with some one, the web-site does not have any email or other feature that can be used to resolve my problem. 
I'm a first time buyer and I'm afraid EXPERIAN is blocking my opportunity which is totally unfair.

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 2022-05-16
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX FM XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX  OF ) XXXX Balance Owed : {$1000.00}, XXXX ( Original creditor : XXXX XXXX XXXX  OF ) XXXX Balance Owed : {$720.00}, XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$750.00} XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$290.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  OF ) XXXX Balance Owed : {$650.00}, XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$630.00}, XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance Owed : {$690.00}, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.

Complaint:
These Items have been inquired without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
Good Evening or Good Morning! Listen, Im not sure who I need to talk to in regards to this issue. I spoke with Portfolio Recovery Reps more than 30-45 days ago, and agreed to pay the account in full and I was instructed that they would ask the credit reporting agencies to remove the entire tradeline from my credit report within 30 days of account being paid. Listen, time has passed and it still hasnt be removed and I been instructed to check the policy on online that stated that they would remove it. When should I expect this to be removed? When do you report to the credit bureau? Please kindly escalate this issue immediately up to the chain to ensure this is remove within the next 24-48hrs as its hindered my chance to buy or rent a house for my family. Again, please send me an update that this is in the process of being removed as promised. Thanks! GS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
I disputed an incorrect late payment with the bureaus on XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. On XX/XX/2020 I submitted a 2nd dispute to the bureaus requesting again that they complete an investigation and notify me of the responses. I do not feel that I was ever a full 30 days late on this account and my personal records do not indicate this either. There are also numerous of inquiries that I did not authorize that are on my credit report ; you can clearly see that an account had not been opened and these need to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional  distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.

Complaint:
I REQUSTED COPYFREE ANNUAL CREDIT REPORT ON XX/XX/2021 FROM ALL 3 CREDIT AGENCIES AND TO THIS DATE HAS NOT BEEN RECEIVED

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 2022-02-16
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: Experian Information Solutions Inc.

Complaint:
Experian removed my XXXX account sometime between XX/XX/XXXX and XX/XX/XXXX, so my credit score went from XXXX to nonexistent. The account is not even reported as closed which would have given me a lower credit score but still a credit score that exists. The account has been completely removed from my credit report. I called Experian. They said to call XXXX to check the information on my XXXX account and report the account to Experian. Then, Experian will update my credit report. I called XXXX. They have the correct information on my XXXX account, so it does not make sense why Experian is not reporting the account. XXXX says they report daily and will report again tomorrow. Next, I try to get my Experian credit report to verify that my XXXX account has been readded. My online Experian account at https : //usa.experian.com/ will not let me refresh my credit report without paying Experian {$24.00} a month. I called Experian and they said they would mail me my credit report. Since then, I still have not received my credit report. Why could they not just refresh my online Experian account 's credit report? I know Experian has the ability to instantly refresh my online Experian account credit report because they literally charge {$24.00} a month to do so. Instead, they are making me wait who knows how long for the credit report to come in the mail. Wait actually they refreshed my online Experian account credit report on XX/XX/XXXX, but it is still missing my XXXX account. They did not fix anything. Now they will just respond to this complaint with a generic copy and paste response telling me to contact Experian by phone to resolve this issue.

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 2018-08-28
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: Experian Information Solutions Inc.

Complaint:
XXXX phone call was made I spoke with 3 different agents then they hung up. XXXX spoke with two agents that both said they transferring me to a special unit, however no one came and they hung up. XXXX I called again and spoke with 2 agents held on for 30 minutes they picked up asked my information dob ss address then said its two special units they have to transfer me the other

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 2021-02-25
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:
XXXXXX/XX/XXXX - {$5900.00} - THIS CREDIT FILE DOES NOT BELONG TO 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