hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
XXXX XXXX XXXX & XXXX is reporting a late on my credit report for XX/XX/2020 and -XX/XX/2020. I was not late. Due to unforeseen circumstances surrounding the pandemic of COVID19 & being Quarantined since XX/XX/2020 and I have been severely impacted.. I tried to call in several times and the hold times are hours. I thought my payment went through and I have had an account with you since XXXX.. I have never been late. This was not my error. Can you please remove this late payment? You also closed my account after all this time for one late payment? It is very disappointing that you guys would do this.

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 2022-05-20
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 am a victim of identity theft. During a recent review of my credit report, my attorney informed me of creditor " XXXX '' issuing a line of credit in my name. This is not my account, nor have I done business with this company. I have never applied for any services, or products, and do/did not authorize the usage of my personal information in connection with or for any monies, or services rendered by this creditor.

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 2022-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.

Complaint:
Chase bank closed my account in XX/XX/2022 with haste because i filed fraudulent activities on my account i went into the bank twice to show my ID and social security card as told by the fraud department but to No avail chase sent a notice saying it was responsible and authorized the fraud on my account they sent a check for XXXX but kept the XXXX in my account i didnt owe them any money but they still kept the funds sent a letter saying they closing my account but wasnt reporting me so why did they close my account because they didnt do a thorough investigation i was XXXX and they were being XXXX i want my funds and an apology they sent a recent notice saying they had made the mistake and i was right there were incorrect charges on my account but my account close so how they putting a permanent credit to a closed account i didnt receive all the money in my account when it was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
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: Experian Information Solutions Inc.

Complaint:
There are 13 accounts on my credit report that do not belong to me they are not mine do not belong to me I have not taken responsibility for these and I should not pay or be held responsible for this. I have opened an FTC for this. 

Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF EDXXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF EDXXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF EDXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account XXXX Reason : This is not my 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 non-monetary relief
Consumer complaint received 2021-03-16
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: NAVY FEDERAL CREDIT UNION

Complaint:
your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Management Control, Inc.

Complaint:
i disputed this debt on my credit report and this company validated debt. Original creditor advised that this would be removed and sent me a letter stating such. This company mailed me specific medical information about my medical treatment as well as a XXXX XXXX XXXX 's surgical information as well both in violation of HIPPA and State Privacy laws. And lastly, upon clearing up the matter with my doctor and insurance company, CMC INC validated the debt with XXXX and XXXX and continued to report erroneous information which prevented me from obtaining insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
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 contacted Equifax several mo ago and fax and uploaded documents to them showing my address and my ID card. Plus several police reports and FTC report and file a complaint with CFPB showing accounts were not mine and several address were not mine. No response or any correction to my credit report on Equifax. The address XXXX XXXX XXXX is a fraud account and it shows that in the police report. Then there was a account opened in my name at XXXX XXXX XXXX XXXX in XXXX XXXX SC with a lady named XXXX XXXX, She was a loan officer that worked there and stoled several older ladies Identity. She was fired and charges were bought up against her. She now works for the local XXXX dealer in the area of XXXX XXXX SC. Clearly Equifax doesn't care, But XXXX and XXXX does!! They removed all the accounts and inmmentity blocked them. Now Equifax is showing that XXXX XXXX XXXX, XXXX SC is my main Address!!! Clearly that didn't block or even look into the problem. Now Equifax is showing accounts from XXXX XXXX   that I'm a Authorized User on some account that isn't mine and its gone in defaulted! I asked 4 mo ago to please remove this account, because I'm not the card owner and they stated they would remove it and block those accounts. Never happened! Now theres a XXXX account on my report thats not mine, showing it was opened in XXXX of XX/XX/XXXX. Not Mine. Again they stated they would remove it and block it. Never happened!! The next step is filing legal action against Equifax in my local area for abuse and cost. My husband is a XXXX XXXX in the State of NC and he's ready to file today. They never do anything they say there going to do. FTC told them to remove and those account now and block the address of XXXX XXXX XXXX XXXX SC. If this doesn't get resolved in week from now i will file those papers against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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:
I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter and the tracking # s. 

According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was updated/remains/verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

List of inaccurate Accounts XXXX XXXX XXXX Acct # XXXX XXXX Cred Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
DEPT OF EDUCATION/XXXX XXXX  # XXXX is reporting as a delinquent student loan account across all XXXX  bureaus XXXX, equifax and XXXX. The account is closed and currently up to date with all payments however, these bureaus have a past due 90 day late payment for XX/XX/2019 for 90 days however student loan payments are deferred and are in forbearance. Due to this late payment that is inaccurately reporting and non-factual it is harming me for going for a mortgage loan as this is severely hurting my credit. According to the FCRA inaccurate information especially a late payment on a student loan account that is deferred by the government, up to date whereas there has been no payments made late I need this fixed on my credit report. Please see attached documentation at the bottom of this email. Not only this there is an address on my experian account that doesn't belong to me and is incorrect which is another reason why I believe the loan is marked this way. It shows an address at XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX however I live at XXXX XXXX XXXX. I will attach my driver license for proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

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 2021-10-11
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/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days 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 the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC

Complaint:
Letter Sent to my Mom 's Address, not MY address from JEFFERSON CAPITAL SERVICES LLC. stating I owe XXXX XXXX XXXX, which I have no Idea where this debt is coming from in the amount of {$1000.00}. I attempted to call the company JEFFERSON CAPITAL SERVICES they stated they are a debt collector asked me to verify address, however, since the letter was sent to wrong address I don't trust they have the correct person. I asked to verify debt with original copy of contract, they stated they need to verify account. I refuse to release any personal information to this creditor as they can not validate debt. This creditor JEFFERSON CAPITAL does not appear on my credit report and is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
In accordance with the fair Credit Reporting Act, * XXXX XXXX XXXX ( # XXXX ) < '' last XXXX of account number included for each '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602A, states I have the right to privacy - 15 U.S.C 1681 section 604A section XXXX : Also states a consumer reporting agency CAN NOT furnish a account without my written instruction.

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 2023-05-03
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: SYNCHRONY FINANCIAL

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2017-10-08
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:
Equifax was negligent in securing very important personal information that led to a security breach, affecting almost half the country 's population. We all know when this happened. I am also a potential victim according to their equifaxsecurity2017.com website. They have also failed to notify anyone in a timely matter after they discovered they had a security breach, instead waiting months to release the news.
Equifax is also attempting to capitalize on their own mistake by offering paid credit security services and also including hidden terms of service that waives the right to sue the company itself after their own negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.

Complaint:
{$460.00} owed. This is a medical debt. New law states that this shall not be reported ; however 3 attempts to get this company to stop reporting it have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AES/PHEAA

Complaint:
I paid this guy from XXXX XXXX  To clear up debt, your promise that I only be charged for the download of the credit report, one monthly payment Of XXXX, but yet there's no credit change in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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: EQUIFAX, INC.

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
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:
The collection company ( XXXX XXXX ) is reporting a fraudulent account on my consumer report. I did not give this company permission to run my credit and have never opened an account with them. I would like this company to delete this off of my consumer report from Equifax and XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
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 — Problem with personal statement of dispute
Company: Persolve, LLC - Legal - Series 2

Complaint:
I am in receipt of correspondence from Persolve Legal Group dated XX/XX/2020 regarding debt that I have no knowledge of and does not appear on my credit report. I have responded. I am a senior citizen and they continue to harass me which negatively affects my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX : {$870.00}.

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