hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-12-09
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: BANCO POPULAR DE PUERTO RICO

Complaint:
On XXXX/XXXX/XXXX, I applied for the XXXX XXXX Credit Card ( application ID XXXX ). Two weeks later, I had not seen a decision so I called and spoke a representative who requested me to upload my income verification for proof of income, which I did. The next day, I called and they advised they had not received it so I uploaded it on the website and emailed it to the email address provided. The rep verified receipt and advised an underwriter would decide in 2-3 days. On XXXX/XXXX/XXXX, over a month later after my application, to supervisor XXXX XXXX who advised that they still had not received my proof of income and that the application would be denied because of that, although the prior representative verified receipt and my document was uploaded on their website. It is completely appalling that a company can just string people along like this with no repercussions.

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 2020-12-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX,XX/XX/XXXX XX/XX/XXXX and BK OF AMER add a hard inquiries on my credit reports. The report does not include information about the creditors. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2022-07-13
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:
Back in XXXX I co signed for another person to get a vehicle. The car dealership wan only supposed to go with XXXX XXXX however my credit was hit with nine different inquiries and XXXX XXXX was on my credit report 2 times. The following inquiries were on my report as follows : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/ XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 I did not give any consent to the other inquiries and believe the dealership did this to find the best deal however I was not notified at all when my credit was run 9 different times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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 have been having a hard time extending new credit for myself. I recently reviewed my credit report and noticed there are several inaccurate items on my report. I understand that the information reported on my credit report must follow an industry standard format called Metro 2 and my information must be reported with maximum possible accuracy. However upon review of my credit report I have found out that the following accounts are reporting inaccurately and they are not metro 2 compliant. I have sent multiple letters to the credit bureaus to get these items rectified but the haven not yet responded or investigated into these issues. 

This account is reporting inaccurately and it is not metro 2 compliant. 
NAME OF ACCOUNT : XXXX XXXX ACCOUNT NUMBER : XXXX In accordance with tine Fair Credit Reporting act XXXX XXXX Account # 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 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 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
On XX/XX/2022 XXXX sent a letter to my lender that there is no account. I mailed that letter to Experian in an effort to have my credit file updated accurately. 
Experian did not remove the creditor from my credit file. 
Please remove creditor from my credit file.

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 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$780.00}

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 explanation
Consumer complaint received 2016-11-17
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ALLY FINANCIAL INC.

Complaint:
A collector called extended family some that we have n't been in contact with in over 20 yrs. calling up to XXXX a day. The collector then said they needed to pay what we owe. This was after threating my husband with an artical XXXX. We also received a notice of collection due by XXXX yet we did n't arrive until the XXXX. The also set up a payment from our account even after we said they could n't pay then and did not authorize the attempted withdraw

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 2023-04-06
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:
I have sent each credit bureau a letter updating my personal information and for some reason they can't seem to get it right. Each report shows different personal information. I have told XXXX on several phone calls and letters that my name is XXXX XXXX XXXX not XXXX XXXX XXXX. but they have not deleted it from my file. I have also told them XXXX XXXX XXXX does not belong to me and they still have not deleted it. I have updated my employer with XXXX as XXXX XXXX XXXX XXXX XXXX ONLY. They removed all other employers but added XXXX back as an employer XX/XX/XXXX, which I have not worked for them in over 10 years nor do I have any business with them. Also, there is an inquiry on my file from XXXX since XX/XX/XXXX that I have been disputing but they refuse to remove it even after I've sent letters to both XXXX and the XXXX company stating that I have no business with this company and this inquiry was not authorized. I have informed Equifax in the letter and multiple phone calls that my ONLY address is XXXX XXXX XXXX XXXX XXXX, WI XXXX and they somehow deleted all old addresses except XXXX XXXX XXXX XXXX, which I have not lived at in 15 years nor have any ties to. I would like these matters to be deleted and updated right away as it is having a negative effect on my credit profile. I have attached the letter that I sent to all three credit bureaus as well as the letter that I sent XXXX that was returned to me. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Business Bureau

Complaint:
I had a XXXX  which I thought would be paid by insurance. Insurance did not cover it and then passed off to a collection company. I paid the collection company in full in XX/XX/2020 for {$120.00}. It was removed from my XXXX  Credit Report and XXXX. When I checked my credit on XX/XX/2020 there was an additional charge of {$29.00} added by MEDICAL BUSINESS BUREAU @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX. 

I spoke to XXXX on XX/XX/2020 at Medical Business Bureau and she said it was an employee error that caused the problem on my credit report because they did not settle the account properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
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:
ALL XXXX " CRA '' FAIL TO SEND UPDATE REPORT UPON WRITEN REQUEST SENT OVER 45 DAYS AND STILL HAVE NOT RECEIVED REPORTS AND RAPID RE-SCORE

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 2023-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint:
I sent written statements to company that Im not responsible for debt.. Im made complaints XXXX still have debt owned on my credit report thats not mine.. Its from XXXX XXXX. I made complains to cfpb but XXXX did not remove any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.

Complaint:
I sent a letter to evergreen professional asking to remove the collections account. I never received a response I have been making monthly payments ( direct withdrawal ) they take {$50.00} a month from me. It should be paid in full

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 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc

Complaint:
On Thursday XX/XX/2022 I left work and stopped to get dinner at a restaurant in XXXX, TX. As I headed home I received notification that a charge was attempted at a XXXX  location XXXX $ XXXX frantically opened my XXXX  XXXX  and tried to disable transactions for my account to stop any further activity before I was able to another transaction was attempted and clearedXXXX XXXX from my account. I contacted customer support and explained what happened and let them know my account has been compromised and I needed to dispute the transaction on the account. I was told they could not start the dispute process until the transaction either settled or fell off so I waited. XXXX at XXXX am I called them again to dispute the unauthorized activity. I received a response about my dispute on Sunday XX/XX/2022 at XXXX and the email stated they are closing the dispute and they found that no error occurred. I called them again on Sunday XX/XX/2022 and spoke with a representative and asked for the documents used to determine why my claim was denied then spoke to the supervisor who said he would submit this new information to the investigation team and have them re-open the dispute. I received an email on Tuesday XX/XX/2022 XXXX stating they are closing the dispute and they found that no error occurred. I called again on Tuesday XX/XX/2022 at XXXX pm and requested the documents from investigation conducted. I also emailed them additional documentation during that call to re-open the dispute. I called the police department and filed a formal police report sent another email to Chime to submit the police report number. I received another email from chime on Wednesday XX/XX/2022 at XXXX am stating the email stated they are closing the dispute and they found that no error occurred. I contacted them again Wednesday XX/XX/2022 and requested to speak with a manager she has re-opened the claim and I am waiting for the them to investigate for a fourth time. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Milby Law Offices P.A.

Complaint:
On XX/XX/XXXX I received notification from my employer that they were served a garnishment on me from Milby Law office in XXXX for a XXXX Limited actions case out of XXXX XXXX. I attempted to contact the law office to advised them that this was included in a bankruptcy in XXXX. XX/XX/XXXX I finally was able to speak to XXXX XXXX in the law office who stated there was this garnishment and two others they were going to take out of my check. I advised her again i was unaware of this debt or the others. She said that it had been served to an old address. I advised her this case was included in a bankruptcy and that on the other 2 garnishments that I was not made aware of them but if we could set up an agreed payment arrangement I would like to do that. She advised me I legally could not due that and it's been sent in for garnishment and there is nothing I can do now. I advised her I knew this was incorrect because I have a current garnishment I am paying on with another law firm and the garnishment is a set amount each paycheck. XXXX said " Sweetie I work in a law firm, you don't '' she told me I had no rights to dispute this debt or to do anything in regards to making a payment arrangement because they have already sent it to my employer to take it out of my paycheck. When I asserted that I did know my rights and that I have the right to she got mad and said " I just can't do this, '' and then proceeded to hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION

Complaint:
I applied was was offered four jobs. After getting my check back they declined to hire me. How amnI supposed to live when I cant get hired because of someone elses actions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.

Complaint:
XXXX is offered me a 90 day payoff option which I did. They sent me a letter letting me know the 90 day payoff was complete. They offered me to use XXXX dollars which I only used XXXX which i paid off. So that leaves XXXX to use which I dont want to use. Experian added this as debt that I owe. And have attached that amount to my debt. I explained this and gave them proof to no avail.

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 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my nghts. 
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 intormation Any other adverse item of intormation. other than records of convictions of crimes which antedates the report by more than seven vears.

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 consumer do not consent to.

Inquiry on my TransUnion credit report. The company is XXXX on XX/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 2023-02-22
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:
I acquired my credit report and asked the credit bureaus to check and make sure everting was complete and accurate according tc 15 USC 1681 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agency which is experian did not modify or removed anything.

The date open is not correct, date last active is not correct one of my credit report, date of last payment is not correct on Experian reports Which is a violation. This is impacting me from moving forward to buying a car for my family. 
I attach my previous credit report and my new credit report to show how Experian violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2016-08-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.

Complaint:
I do not and have never had any debt. This company continues to call and harass me.

Company response to consumer: Closed with explanation