hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.

Complaint:
Experian Is Not Reporting all my Credit Cards or Credit History in the XXXX XXXX Lines of Credit Reporting. Over two months ago I was added as an authorized user of One XXXX XXXX  card with a 12 year Credit History, another XXXX XXXX XXXX with a 4 year Credit History and another XXXX XXXX XXXX with a 4 year credit history. 

I need ALL of these cards reported to my Experian Credit Report on a monthly basis and currently for over 2 months these cards have not been reported on my Experian Credit History.

I am in the market to buy a Home and this issue is preventing me from moving forward to purchase a new home! I need Experian to report these Lines of Credit that I am an authorized user IMMEDIATELY!

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 2020-04-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Back in XXXX, I sent a complaint to your company in regards to the loan from Capital one auto, the only thing I received from them was a letter from the company president belittling me and saying that I had not paid them and the loan was past due. Well, I reviewed the account where payments have been paid, but have not posted and they will be listed below. I do have copies of my statements, but I will list the payments below. XX/XX/XXXX there was a payment made {$360.00}, this would have been for XXXX. Then again on XXXX {$100.00}, XX/XX/XXXX for {$140.00}, XX/XX/XXXX for {$180.00}, XX/XX/XXXX for, {$280.00}, XX/XX/XXXX for {$180.00}, I called in XXXX and was said the account was current, XX/XX/XXXX {$360.00}, and payment of {$310.00}, which they still say is past due and it is not showing as posting with them. The last payment they have is for XXXX. I've called and no one can tell me why they don't see the payments or where they have been, meanwhile they are reporting to the credit bureaus that my account is delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
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: Credit Plus Inc

Complaint:
Hello, Credit plus is showing as a hard inquiry on XXXX, XXXX, and XXXX. 
I've not applied for any credit or given any authorization. 
I've contacted credit plus and had no help in resolving. 
CREDIT PLUS Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX *I am working with a bank for a home loan, but I have a relationship with them already, and they said they don't need to pull my credit yet. They did not ask for authorization, permission, and didn't inform me. I haven't idea if this has to do with them. I spoke w/rep at bank, and she said she's never heard of them. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL

Complaint:
I contacted Synchrony bank after my last payment in XX/XX/2022 and let them know I was having a hardship and would be late on payments until XX/XX/2022- I was informed that as long as I resumed payments by XX/XX/2022 my account would remain open. I was not offered hardship assistance. On XX/XX/2022 they closed the account with out notification which has now ruined my credit for the next 7 years and will prevent me from buying a car or a home.

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 2022-12-27
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: Bread Financial Holdings, Inc.

Complaint:
In accordance with the fair credit reporting act, CB/NY & CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Funding Account # XXXX, # XXXX, # XXXX has violated my rights. 15 u.s.c 1681 section 602 I have the right to privacy. 15 u.s.c. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11
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: BARCLAYS BANK DELAWARE

Complaint:
Hello. This is a follow-up to ( two ) prior complaints with Barclay 's. The complaint number is XXXX. 

Recap : Barclay 's is reporting an XXXX XXXX XXXX  MasterCard that was opened fraudulently. I asked for validation of the debt. They did not provide anything to me and then after close to two months provided me with fraudulent statements ( they asked for my current mailing address and SSN which I provided in my letter to them. They in turn took my current address - a PO Box - and placed it on old statements ). 

I few months back I went to the police department in XXXX XXXX for file a fraud affidavit. The intake office said he could not sign off on the affidavit because the account/crime was too old. He did provide his business card, which I'm submitting in my documents. So, I had the document notarized. 

I recently received a letter from Barclay 's now saying that the original creditor is XXXX XXXX XXXX and that I would have to contact them for the documents I am requesting. 

First, XXXX XXXX XXXX is not reporting on my credit bureau report - Barclay 's is the one reporting. 

Two, Barclay 's provided me with fraudulent statements. They have no legitimate documents to validate the debt.

Three, why is it my responsibility to now go to XXXX XXXX XXXX for validation documents when they - XXXX - sold the debt to Barclay 's. It's Barclay 's responsibility to validate the debt not mine.

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 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.

Complaint:
I am still being impacted by the covid 19 and havent returned to work. I need another payment waiver. I have been your customer for 23 years and have never missed a payment and I need help.

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 2023-07-17
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-09
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:
Information is inaccurate from credit bureau. Report is stating closed from TransUnion and XXXX but XXXX is stating open. 
Invalid open dates from all three credit bureaus.Showing a passed due amount when account is reporting as closed. 

Past due stating XXXX XXXX date TransUnion XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

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 2023-03-28
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$0.00}

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 2017-02-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: The CMI Group, Inc.

Complaint:
I have disputed this account several times and provided information related to the identity theft and fraud. This account is not mine has never been mine and is a result of identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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:
Equifax ; XXXX  and XXXX are reporting incorrectly a collection in the amount of {$1700.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This line item reports the Ownership as Joint '' and/or " Co-Signer. '' I did not sign any documentation for a lease term of any time frame with XXXX XXXX XXXX XXXX. This account does not belong to me and this incorrect reporting of a collection is harming my credit score. These line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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:
XXXX accordance with the fair credit reporting act XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX L Acct # XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX Has violated my Rights. 


15 U.S.C 1681 Section 604 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 2023-06-09
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 please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-11-16
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC.

Complaint:
Ally Financial is the company I get the loan through for my vehicle. They started out by calling myself and the co-owner of my vehicle non stop. I asked them to remove all numbers and stop contacting us. They continued to anyway so we were forced to block them on our phones. Now they have taken it upon themselves to locate the phone number of my co-owners mother, whom we never provided a number for or authorized them to speak to. Last week I called them again and asked them not to contact anyone yet they keep calling her. They are speaking to her about my loan which she has nothing to do with. I need this collection practice to stop.

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 2019-06-13
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:
My son attended XXXX University 10 years ago for one year which I paid for under a Parent Plus Loan. Someone other than myself signed a Private loan for a second year however several key information items were incorrect in the loan application including misidentifying my wife 's name, email address along with signature dates. The loan application was electronically signed with my son 's name and me as co-borrower. I filed an identity theft report with the XXXX County Police who were unable to investigate as too much time had past between the filling of the complaint and the original loan. I became aware of the loan only after 3 years and six months from granting and paying XXXX University as the loan was in deferment until the forecasted graduation date plus six months. The loan has been in collection for over 7 years ; is now charged off but listed as a charge off against my credit score. As this is the result of ID theft and the creditor failed to establish liability within the statue of limitations in Virginia I have repeatedly ask each of the credit reporting agencies to remove from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
Bank of America is listing 2 accounts on my 3 credit bureaus which are nor mine. I am a victim of Identity theft and these accounts are not mine. A hacker got my personal information on the dark net from the XXXX   Hack and has formed several accounts in my name. Remove these accounts ASAP!!!

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 2017-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.

Complaint:
Gentlemen, My name is  XXXX   XXXX , I have been a Home Depot Credit Card ( Thru Citi Bank  ) h older for  XXXX  years. Never have been late. always paid on time. I had a  Credit Limit o f {$3000.00}. My balance was  XXXX . I had n't use it in awhile and also closest store is  XXXX  miles away. I used it in  XXXX  of   XXXX   and charged about  XXXX . And then exactly  XXXX  days later I get a letter that they decreased my  Credit Limit  to {$500.00}! I was so angry! I called them and they claimed they did an update and looked at my Credit Report and based it on other Creditors! I did n't give them permission to run my Credit again. They told me I had to try to get a credit increase based on an application for an approval? Of course they denied me!! I 'm very angry and disappointed! I never have been late and always on time! They are discriminating me! It 's not right! I contacted everyone and they wo n't do anything!!   Please help! I appreciate it!   Warm Regards,  XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Recently when trying to access my annual free credit report from TransUnion, I was locked from accessing my account online. After calling customer service I was able to log in and request my annual credit report, but upon receiving my credit report it was just one page and the whole report was suppressed. After calling and talking to numerous customer service agents I was told I will have to write a letter asking for my report to be unsuppressed along with proof of ID. So I wrote a letter and sent it along with two forms of ID.

Two weeks later I got the same credit report that was suppressed. 

Called again and was told my account was unlocked but when I go in to check online it still says I don't have a credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
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:
On XX/XX/XXXX I wrote and sent via certified mail a formal dispute letter to the following credit bueraus : XX/XX/XXXX and Transunion in regards to incorrect personal information and incorrect accounts being reported on my credit report which is having a damaging effect on my credit score and overall credit profile. Within this letter, I specifically stated for each of the credit bureaus to provide in detail the full scope of their investigation, including the names of the representatives from each creditor that they " verified '' the inaccurate accounts with, the date of this correspondance, and any legal documentation bearing my signature that I have with the " alleged '' creditor. I've also sent via certified mail an inquiry letter to each credit bureau demanding why my credit scores had such a huge drop within only 60 days. My XX/XX/XXXX score dropped 65 points, XX/XX/XXXX dropped 97 points, and Transunion dropped 78 points since XX/XX/XXXX. There is nothing on my credit reports stating or showing where this significant drop came from. None of the three credit bureaus responded to any of my letters inquiring about this. I could not get through to any of the bureaus on the phone, nor have I received any email correspondance. I am looking to purchase a home within the next 6-8 months and my credit scores were in the high XXXX 'XX/XX/XXXX, low XXXX XX/XX/XXXX before these drastic score drops which occured from XX/XX/XXXX - 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 2019-11-07
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:
Someone open a XXXX XXXX XXXX account without my permission. I did not open or authorize this account, and I therefore request that it be REMOVED immediately. I am requesting that the items be blocked to correct my credit report. I also request that you absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

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 2019-06-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I've asked for the bill of sale, the private auction seller receipt, and the name of the private auction. They don't send what I asked for and continue to send explanation of calculation of deficiency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I got an invitation to apply for a credit card through Capital One that said will not affect your credit score and after I had done it it in fact did affect my credit score by over XXXX points and I tried contacting them asking them why they said it would not affect my credit score and still to this day I can not get an answer. I've searched through trying to find a way to dispute it to no avail and I just need help to get this off my credit report and give me my score back that I had prior which was over XXXX finally. So any help would be very appreciated.. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
On XX/XX/2022 I sent a certified letter to Portfolio Reovery the address is XXXX XXXX XXXX, XXXX VaXXXX. I sent a debt validation letter asking them for proof of original debt and if that could not be supplied they needed to remove the negative items listed on all three of my credit reports. They signed for the certified letter but it has been over 30 days now and I have not heard anything from them but the negative information is stil on my report. I want the negative information removed from all three of my credit reports since they did not show me proof as requested via certified letter of the original debt. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation