hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 non-monetary relief
Consumer complaint received 2022-05-22
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: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX BUSINESS TYPE : AUTO FINANCING DATE OF INQUIRIY : XX/XX/2021 XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.

Complaint:
I borrowed from XXXX/Naviant back in XX/XX/2011 and have since graduated. I am a XXXX with a XXXX and a husband who works part time so we can avoid paying child care. We live pay check to pay check and I have called Naviant who asks for XXXX $ so dollars from me each month to get an income based plan and have been told no. They put me in forbearance and have killed my credit. They have made me intimidated to call and make me feel like they could care less if I am struggling to pay. I do n't know what to do anymore and continue to go in forbearance because this is the solution they offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION

Complaint:
This place calls me multiple times a day, sometimes mere minutes apart ; they will rarely leave a message. I 'm trying to work and my phone is constantly ringing. It 's a real disruption to my day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL

Complaint:
My Synchrony 76 Card account was closed in XXXX of 2021 despite onetime payments, I can only guess for lack of use during covid lockdowns. However, they did not report this to any credit bureau and continued to apply interest and fees for an account that was closed for another 10 months. I eventually settled for {$400.00}, {$100.00} more than my balance when my account was closed, and they show late payments for following 10 months on my credit report. When they settled with me they claimed my account was still open until XX/XX/2021, which was untrue.

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 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
Tried to call experian on dec. XXXX regarding inaccurate information/old and couldnt resolve the problem. Experian still is reporting I have late payments 120 days past due when I brought the account up to date and XXXX XXXXXXXX asked them to remove the negative marks.

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: EQUIFAX, INC.

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any ITEMS which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these ITEMS. XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2700.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00}, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX. ) XXXX Balance : {$950.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$580.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$68.00}, XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$440.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
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: Experian Information Solutions Inc.

Complaint:
Several unexpected loan inquiries on my credit report on XX/XX/2021 when I arrived at the dealership with my own financing from my credit union XXXX XXXX. These unauthorized inquiries included : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX Also XX/XX/XXXX, XXXX was another unauthorized inquiry as I already had approval from XXXX XXXX on this day.

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 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.

Complaint:
The company is reporting a late payment when I never was late and Violating my rights by reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.

Complaint:
On XX/XX/XXXX I received an email from Citi saying that they were decreasing my credit limit by approximately half. ( From {$8500.00} to {$4800.00}. ) They gave no reason other than they decided to review my account and credit information. They also decreased it precisely enough to cover any pending charges and to max out the new reduced credit limit. 

My credit score is still over 700. The only real changes to have happened on the card is that I just recently started to carry a balance on it ( yay, hyper-inflation ) and have started using it at other places rather than just Costco. ( It is a Costco branded Visa card but not a store exclusive credit card. )

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 2018-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
For my Bank of America XXXX credit card, I scheduled payment on the XX/XX/XXXX due date from my BoA checking. And I deposit the check which has enough amount to cover the bill pay. And BoA bill pay allows me to pay the credit card remaining balance on XX/XX/XXXX. And the guaranteed deliver date is XX/XX/XXXX ( confirmation # XXXX, I kept screenshot ). And the bill pay system never gave me any notice for 3 days!!! Then tell me the bill pay fails. And BoA starts charge me the interest charge which is really really disappointing. And later I notice that BoA system does not allow people bill pay amount larger than the balance in the checking. If I know it fails I can try ways to pay the credit card on time.

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 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed that my personal information is incorrect. This is my second time writing you to update my personal information, Please see attached information that need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.

Complaint:
They close my account and never send me the check

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 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
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: EQUIFAX, INC.

Complaint:
CFPB REPORT XXXX Why did the CFPB closed my complaint? Why is the CFPB continuing to allow Equifax to get away with 'INVESTIGATING '' their wrong doings? This is the 5th investigation with Equifax and they keep " updating '' the matter. EQUIFAX is reporting INACCURATE and INCOMPLETE information on my credit report which has caused me to lose my JOB. 

It is the LAW this company must report accurate and complete information at all times and I don't think the CFPB is doing anything to enforce. 

These accounts listed from CFPB REPORT XXXX that you the CFPB closed, are ignoring the fact EQUIFAX can not prove to me why they have a right to report INACCURATE and INCOMPLETE information from these companies below. IT DOES NOT TAKE 5 MONTHS to investigate NO ACCOUNT NUMBERS. This is an EQUIFAX issue not an issue from these banks. You are NOT reporting an account number for me to even investigate. 

XXXX  XXXX XXXX ( credit card account ) XXXX XXXX XXXX XXXX ( credit card account ) XXXX XXXX XXXX XXXX ( credit card account )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Balance : {$450.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XX/XX/XXXX XXXX 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 2021-01-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/XXXX, XXXX XXXX reported to XXXX XXXX and Transition information from XXXX as if it were XXXX, resulting in a Derogatory remark on the credit report. The consumer attempted multiple times to have the problem rectified, only to receive multiple notifications that XXXX XXXX " adequately reported information to the credit bureaus, and the investigation was complete. '' I submitted multiple requests as to why information from XXXX was re-reported on XX/XX/XXXX, and no one at XXXX could indicate why the Derogatory remark was added to the account, but each time I called in, it was indicated that the account was not Derogatory and that it was in good standing and has been in good standing since XX/XX/XXXX. As such, although the account has been in good standing since XX/XX/XXXX, it is currently being reported as Derogatory. The consumer reached out to the credit bureaus, and was told it was a problem with the lender, and the lender indicated it was a problem with the credit bureaus. My credit score dropped almost XXXX points as a result, and I was in the process of purchasing a home and was no longer eligible due to the error on my credit report. My livelihood has been greatly affected, and I am unable to purchase anything as a result.

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 2022-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Credit & Collection, Inc.

Complaint:
My name is XXXX XXXX & I am no longer responsible for the debt here shown. 

Company : Midwest Credit & Coll Opened : XX/XX/2021 Amount : {$730.00} Sold/ placed for collections to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC.

Complaint:
XX/XX/XXXX/XX/XX/2015, I closed an account with XXXX because service was not available in the area I had recently moved to. Upon terminating the joint contract with XXXX and XXXX, I was told that my final bill was paid in full. In XX/XX/XXXX, I received a notice from Afni, a debt collection company, notifying me that an account of mine had been placed with them for collection. When I called Afni to dispute, I was informed my failure to pay had already been reported to credit bureaus. When challenged, the Afni representatives said there was nothing they could do to reverse this. I am currently in communication with XXXX to remove this information from my credit report and rectify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. XXXX ) XXXX Balance : {$890.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2020-11-06
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:
There are numerous accounts listed on my credit report along with inquiries that I did not authorize or initiate. This was a result of an error or malpractice.

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 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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:
There are accounts showing on transunion credit report that are not mine. They have failed to provide proof of ownership. These accounts are 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 non-monetary relief