hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-06-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.

Complaint:
XXXX XXXX Report Date : XX/XX/XXXX CLOSED Account Status Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your Equifax credit report for up to 7 years from the date of first delinquency. 
Details Payments Historical Overview Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type AUTO Original Creditor Name Months Reviewed XXXX Activity Designator Terms Frequency MONTHLY Term Duration 72 MONTHS Purchased From Sold To Balance and Amounts Balance {$990.00} Credit Limit High Credit Available Credit Account Dates Date Opened XXXX XXXX, XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Comments and Contact CHARGED OFF ACCOUNT ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER FIXED RATE For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Credit Account - Closed Installment XXXXXXXX XXXX XXXX Item disputed Amount past due Date XX/XX/XXXX Update {$0.00} They are reporting a debt that is 8 years and 2 months old and past the 7 year FTC guideline for reporting a bad debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL

Complaint:
Synchrony bank was notified a number of times that this debt was a result of identity theft. They have since refused to take action despite efforts by my attorney. They have reported me to a collections 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 2017-09-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
SUBMITTED A DISPUTE for an account with a {$200.00} balance WITH TRANSUNION ON XXXX XXXX 2017 SUPPOSE TO BE COMPLETED BY XX/XX/XXXX. I CALL THE CUSTOMER SERVICE NUMBER FOR transunion AND THEY REFUSE TO TALK TO ME ABOUT MY ACCOUNT BECAUSE MY ADDRESS IS WRONG IN THEIR SYSTEM. DISPUTE HAS NOT BEEN ANSWERED.

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 2020-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I sent a letter explaining the inquires was unauthorize and a negative company on my report that I never dealt with or had any type of information from them but they reported a negative on my account. Also, I spoke to several departments about my updated personal information that was just updated but the inquires were unauthorized by me and the negative is all unauthorized hard and soft inquires are all unauthorized and these are stopping me to obtain credit In the future. I have a good payment history but all this information that is coming out the blue without my authorization is horrible. I have been a victim of identity theft for some time now. All around the world had me stopped because of identity theft or people saying add XXXX XXXX to their felonies. I could obtain a passport because of identity theft. There was no amount by the negative account with me because my account was paid with a regular bill. XXXX XXXX. Then there in hard Inquires on my account that I didn't authorize..

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 2021-05-17
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:
XXXX XXXX made a mistake on my account and reported a balance for collections. XXXX addmitted fault, closed collections, and stated it should have never been reported. I have disputed this event with Experian and the best they will do is list the collect account as " paid. '' The collection account should not have ever been listed and nothing was ever paid on my part, because their was never a debt. It was a fault on XXXX XXXX part, yet it is effecting my credit score with Experian. Experian says I can " pay '' to boost my score, which is essentially blackmail to bribe them to fix the erroneous reporting.

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 2023-08-07
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:
Fraudulent information being reported to my file and needs to be blocked.

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 2020-05-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC

Complaint:
I have called the multiple times to try and pay ( forgot the day but on 2 separate occasion ). Instead of talking to me when i gave them their account number they asked for information such as my social security which i have not given them nor have given them any right to that information. XXXX XXXX XXXX shared my social security with this company and now they are claiming that there was fraud on my account and want me to put in writing to them all of this information which i have refused to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc.

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-13
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: CITIBANK, N.A.

Complaint:
The 3 Credit Bureaus are reporting inaccurate information on MACYS/DSNB. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal 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 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
My information ( S.S. card, ID, cell phone, and purse ) were stolen in XXXX of XXXX. I started to get hard inquiries on my credit report shortly after, mostly for car loans, credit cards, and some personal loans from what I can see. A lot of soft inquiries too. There was a fraudulent Credit line opened in my name that I took care of. It was listed on my credit report along with a address I never lived at. Capital One has checked my credit 11 times from XX/XX/XXXX to XX/XX/XXXX. I have never applied for anything through this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: In progress
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I applied for the XXXX  XXXX card with Bank of America. I was denied even though I have very excellent credit and a very low credit utilization. 

I've had a working relationship with Bank of America since 2015. I can provide pay statements and asset history as I make well over $ XXXX a year. I hardly have that many inquiries on my credit report and I really wanted to use this card as I'm traveling more for work 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 2021-02-11
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:
I have tried to no avail to resolve inaccuracies on my Experian credit report. There are duplicate accounts that they refuse to thoroughly investigate after numerous disputes, there is an account from XXXX XXXX that shows a late payment, and the account was refinanced through XXXX XXXX XXXX XXXX before a payment was even owed. There are accounts that were disputed with XXXX XXXX and removed, and Experian refuses to properly handle them. I received over 24 notifications from Experian in a 30-day time frame, on results of disputes that are were not even updated, in fact, they have lowered my credit score for trying to resolve these issues. I have a XXXX  job, that requires me to maintain my credit, and in the process of trying to purchase a home, this issue is interfering with my livelihood and chances at obtaining a fair home loan. I need assistance please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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 2018 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. Account isn't 49 days past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I never did any business with these companies yet they have unauthorized inquiries on my credit file. I've never signed a contract with these companies for anything. I did not authorize any inquiry on my credit file and Ive never given permission verbally or in writing to anyone to pass my information to any of these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11
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:
In XXXX of 2019 I contacted XXXX XXXX XXXX XXXX to resolve a long outstanding debt. They informed me that the statue of limitations had expired and that they would be doing a write off / charge off of this debt. During XXXX of 2019 there were some changes reflected on my credit bureau reports but there remained some inaccuracies. I disputed those with the bureaus as they were showing incorrectly. On XX/XX/2019 I received alerts from all three bureau 's as to changes to my reports. Upon investigation now ALL THREE bureaus are reflecting incorrect information. I called XXXX XXXX XXXX XXXX today and they state that the accounts are closed and with XXXX balance. ALL THREE of my reports show one account as still open and both accounts with outstanding balances. 

I am currently under contract to build a home. If this inaccurate reporting is not corrected I will have to pay higher interest rates and suffer financial damages from this inaccurate reporting. I have filed multiple disputes with all three bureaus over the previous months and yet this incorrect information has not been corrected.

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 2022-01-07
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2100.00} XXXX XXXX {$3300.00}

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
Consumer complaint received 2019-09-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC.

Complaint:
This loan actually was first returned because they sent it through our bank before due. 
We acknowledged this and it was sent back through and paid on XX/XX/XXXX. Now our bank notified us that cash central tried to make up a fraudulent check and send it through in XX/XX/XXXX and the bank did s fraud investigation and proved they did act fraudulently regarding this matter. Now we have a XXXX XXXX XXXX trying to collect yet they have no paperwork nothing yet I have proof of being paid via my bank statement yet they want letter from company that it was paid yet this was 6 years ago yet they threaten us with legal proceedings and tell us nasty things

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
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 Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX 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 explanation
Consumer complaint received 2022-01-13
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 NEVER GIVEN TRANSUNION, XXXX OR XXXX ORAL OR WRITTEN CONSENT TO PLACE THESE ACCOUNTS ON MY CREDIT FILE. THIS IS ALL FRAUD '' XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX and XXXX ACCT # XXXX XXXX. COLLECTION UNLIMITED A. THESE ACCOUNTS NEEDS TO BE DELETED TRANSUNION IS VIOLATING MY RIGHTS AS A CONSUMER THIS IS FRAUD. 

XXXX XXXX IS VIOLATING MY RIGHTS AS A CONSUMER AND THEY NEED TO DELETE THESE COLLECTIONS IT IS FRAUD. 

XXXX XXXX IS VIOLATING MY RIGHTS AS A CONSUMER AND THEY NEED TO DELETE THESE COLLECTION OFF MY CONSUMER 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 non-monetary relief
Consumer complaint received 2022-08-18
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:
Hi I am submitting this 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 n 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.with no help.

Company response to consumer: Closed with explanation