hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-08-11
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Transunion continues to list ( refuses to delete ) from my open accounts a mortgage ( previously held by XXXX, now XXXX XXXX ), for {$290000.00}, on a property at located at : XXXX XXXX XXXX, XXXX TX XXXX, that was *closed as satisfied* in XX/XX/2017. 

Both XXXX and XXXX correctly have deleted this account from my credit report, but, despite having been asked multiple times, and having been provided with supporting documentation, Transunion continues to defame/cloud my credit history!! 

This erroneous entry causes me time and effort, ( and possibly a denial of certain loan opportunities, if I choose to explore that species of damages ), and there simply is no reason for it. In fact, when I recently re-financed my current mortgage ( on an ew property ), notwithstanding Transunion is the only agency which still lists that account, I was compelled to get on the phone while the lender 's investigator contacted XXXX XXXX, who confirmed on the phone that the mortgage was aid off, and that this status was reported out to every credit agency!!

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 2021-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY

Complaint:
I am not able to get a copy of the Target RedCard credit agreement or terms & conditions. I have attempted to use the website request and also called the customer service number on the back of the card. The representative put me on hold and then ended the call after 7m 24s.

The website gives an error message requesting a valid zip code. I have attempted my 5-digit and 9-digit zip code, neither works.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
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: Professional Debt Mediation, Inc.

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
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: American Credit Acceptance, LLC

Complaint:
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. 

Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
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 requested a credit report on XX/XX/XXXX. 

The TransUnion credit report shows a collection account with " XXXX '' Original Creditor information not available as well as Creditor Contact information not available. There is a partial account number of XXXX opened on XX/XX/XXXX and reported on XX/XX/XXXX. The FCRA requires contact information to be readily available to the consumer. 

The XXXX credit report shows a collection account with no name, Original Creditor information not available as well as Creditor Contact information not available. There is a partial account number of XXXX opened on XX/XX/XXXX and reported on XX/XX/XXXX. The FCRA requires contact information to be readily available to the 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 2017-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP Buyer, LLC

Complaint:
I contacted the GC servies, credit bureaus, and the BBB trying to get this collection agency to remove this debt from XXXX XXXX from my credit file. GC services continues to report / verify this debt even though there is not signed contract with either XXXX XXXX nor GC services. GC services continues to allege that billing statements verify this debt. GC services has yet to produce any document that displays my signature on it indicating a contract with either XXXX XXXX or GC services. I am not liable for this debt. I have no knowledge of this debt. I request that this debt be removed from my credit file in order to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
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:
My  XXXX  Credit Card is reporting me 30 days late. I never made a late payment and only followed directions that their representative gave me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
In XXXX of 2021, I received notice from XXXX, noting that I had opened an account with XXXX XXXX - XXXX XXXX ; XXXX XXXX, XXXX XXXX, CA XXXX. 
I had never heard of XXXX XXXX, nor had I applied for credit with them. I tried to call XXXX XXXX, but the telephone number listed online was not valid. 
I alerted all three credit bureaus : XXXX, XXXX and Experian, that this was a case of fraud. 

Now, XXXX months later, this is still showing on my credit report with Experian, and also shows that I am deliquent in my payments. 

Again, this is a case of fraud. I have NEVER opened an account with 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 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
Problems with credit reporting due to inaccurate misleading information on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
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:
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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 XXXX  XXXX ACCT # 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 non-monetary relief
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL

Complaint:
Subject : Complaint Against XXXX XXXX for Failing to Adhere to FCRA Requirements Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX  regarding their failure to adhere to the requirements outlined in the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has inaccurately reported a debt from a non-existent creditor, Synchrony Bank, which is causing significant harm to my credit profile. Despite my repeated attempts to rectify this issue, XXXX XXXX continues to report this erroneous information, claiming that I have a XXXX XXXX XXXX with Synchrony Bank, when in fact, my credit card is with XXXX XXXX. This continued inaccurate reporting constitutes a violation of the FCRA. 

Under the FCRA, debt collectors are obligated to report 100 percent accurate information, including the names of the creditors, on credit reports. XXXX XXXX failure to adhere to this requirement is evident in their reporting of a non-existent debt with Synchrony Bank, thereby damaging my creditworthiness and causing unwarranted distress. I have clearly communicated to XXXX XXXX that this information is inaccurate and have requested a dispute, yet they persist in mailing me statements from XXXX XXXX, which confirms the fraudulent information being reported. 

The FCRA was enacted to protect consumers like myself from such inaccurate reporting by debt XXXX. It is imperative that XXXX XXXX rectifies this violation promptly and removes the false debt associated with Synchrony Bank from my credit report. Their continued disregard for the FCRA provisions is causing me significant financial and emotional distress. 

I kindly request the Consumer Financial Protection Bureaus intervention in this matter to ensure that XXXX XXXX is held accountable for their violations of the FCRA. I ask that you thoroughly investigate this issue and take appropriate actions to rectify the inaccurate reporting, including the removal of the negative information from my credit report. 

Thank you for your attention to this matter. I trust in the Consumer Financial Protection Bureaus commitment to protecting consumer rights and ensuring fair practices in the financial industry. I look forward to a prompt resolution of this issue. 

Sincerely, [ Your Name ]

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 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: C/C Financial

Complaint:
On XX/XX/2019, I did contact Merchant Preferred to terminate this agreement without penalty and was contacted and property picked up by their recovery team on XX/XX/2019. 

Thereafter, On XX/XX/2019. Merchant Preferred then report to the credit bureau that I was 60 days behind in payments. Merchant Preferred reported that I owe them {$3300.00} and past due {$620.00} from the original purchase price being {$740.00}. 

Merchant Preferred terminated this agreement at my request on XX/XX/XXXX. 2019 without any penalty and I no longer have possession of the merchandise as it was recovered XX/XX/2019 by representatives of the recovery team on behalf of Merchant Preferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

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 2023-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Netspend Corporation

Complaint:
in about 2015 I request that XXXX XXXX XXXX XXXX cancel a XXXX XXXX  monthly subscription. however, they continued to charge me for the account. I contacted my credit card agency and reported the incident and requested a new credit card. They informed me that they would take care of the issue by replacing the card. I don't know how the company got access to my new card, but the charges continued to come. throughout the COVID crisis and it became a low priority, and I had other problems to deal with and did not check my account because I relied on the company to honor my request to stop deducting and cancel the subscription. within the last year after auditing my account I noticed that XXXX was still deducting {$85.00} from my account. I contacted both the agency and the credit card company and request that stop the charges immediately. as of XX/XX/XXXX2023, I am still getting charge considering my ongoing request to cancel. I feel Net spend should have protected my account but for some reason they continued to allow this company to continue to charge me after replacement of the cardXXXX

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 2020-04-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
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: MERCHANTS ADJUSTMENT SERVICE, INC.

Complaint:
While look at my credit report on XX/XX/2020, I discovered that there is an inaccuracy with the credit bureaus. I have filed a report with the federal bureau and the company, but it has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch

Complaint:
1. CBS is pursuing me as an independent collection agent when the originating provider of services ( XXXX XXXX ) is actively accepting payments from me. Further, because XXXX is accepting payments from me, CBS has an incorrect and higher balance than I owe/am paying to XXXX. 

2. It is my understanding that if the business I am obligated to pay is accepting payments from me, it can not be a collection account being pursued by an outside agency at the same time. It also can not be reported adversely on my credit by said collection agency. 

3. CBS has admittedly reported adverse information to credit bureaus causing me harm.

4. CBS is further pursuing me for a debt that is not mine and that CBS has no business sending privacy information to me of someone else 's account, and has admittedly reported the debt to credit bureaus causing me harm. 

5. CBS has refused my demand to correct their faults and continues to send threatening tone letters. They also continue to share information about the debt that does not belong to me, which is clearly evidenced in the itemized statement they sent ( I am not the account guarantor ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.

Complaint:
I've attended XXXX during the XX/XX/XXXX to XX/XX/XXXX school years. I have two student loans left which both are Stafford Loans with 4.85 interest rates. Soon after the school XXXX took over the loans. While not any better at the time, it was managable since my payments were exceptable. Since Navient took over, has been nothing but problems. It is impossible to deal with these clowns. No one seem to give any kind of information about changes in the loan. One month the loan is at {$150.00}, the next month is {$300.00} claiming there are late chargers applied. I was in a hardship 2 years ago. They put me in forbearance. My status has not changed unfortuantely with recent health issues. I've applied for IDR 1 year ago. I have yet to see the process completed. They keep pushing me in forbearance on purpose to collect on interest. These people are scumb. Someone needs to deal with them. Reading other people 's posts and it scares me how these people are playing with other peoples lives. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
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 Account # XXXX with 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 an 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 explanation
Consumer complaint received 2023-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.

Complaint:
I received a negative mark on my credit report in XXXX of XXXX, I learned via XXXX ( a credit monitoring app ) that I had a Collections Report on my account. The only information provided was that the debt attempted to be collected is {$530.00} and that the Lender is " XXXX XXXX XXXX. '' At no point did anyone from Amsher Collections or XXXX XXXX reach out to me in regards to this debt prior. I sent a letter via certified mail with receipt on XX/XX/XXXX and have received the receipt back yet no response from Amsher Collections to explain why the charge exists, whether they have the authority or licensing to pursue such actions or any proof of this debt existing with XXXX XXXX. As I have not been a XXXX XXXX customer since XXXX, I am highly concerned about the truth of this debt as well as my credit score and social security number being at risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation