hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.

Complaint:
Complaint : I have a public record & XXXX  XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
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:
XXXX, XXXX and Experian credit reporting agencies or persons has violated the following fair credit reporting act sections on my consumer reports : 15 U.S. Code 1681 - Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting, 15 U.S. Code 1681e - Compliance procedures- ( a ) Identity and purposes of credit users, 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, 15 U.S. Code 1681a - Definitions ; rules of construction, and 15 U.S. Code 1666b - Timing of payments. XXXX is reporting the following accounts and information violating the laws I listed above : XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX, XXXX XXXX number XXXX, XXXX number XXXX, XXXXAccount number XXXX, XXXXAccount number 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 number XXXX, and XXXXAccount number XXXX. 

XXXX is reporting the following accounts violating the fair credit reporting act laws listed above : XXXX XXXX XXXX number XXXX, XXXX XXXXAccount number XXXX, XXXX XXXX number XXXX, XXXXAccount number XXXX, XXXX XXXX XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX, XXXX XXXX XXXX number XXXXXXXX XXXX XXXXAccount number XXXXXXXX XXXX XXXXAccount number XXXXXXXX XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXXXXXX XXXX XXXXAccount number XXXXXXXX XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX, XXXX XXXX XXXXAccount number XXXX, XXXX XXXXXXXX XXXXAccount number XXXX-XXXXXXXXXXXXXX, and collection account reporting a {$140.00} balance with no creditor or person information. 

Experian is reporting the following accounts violating the fair credit reporting act laws listed above : XXXX XXXX XXXX XXXX no account number, XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX, XXXX XXXXAccount XXXX XXXX, XXXXAccount number XXXX, XXXXAccount number XXXX, XXXXAccount number XXXX, XXXX XXXX account numbers XXXX, and XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX. I've also attached the fair credit reporting act laws so the person can read the laws they violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
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 recently checked my credit report and have noticed some accounts that i did not authorized. I've provided the documents required by the FTC to have these accounts removed 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 non-monetary relief
Consumer complaint received 2018-12-27
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: EQUIFAX, INC.

Complaint:
XXXX XXXX XXXX hasnt reported my credit card account to equifax and XXXX  its been almost two months and i called them and never heard back from them and i closed the fraud dispute and told XXXX XXXX XXXX that this credit card account belong to me and it only been reported to XXXX  and they refuse to report to other two credit agencies and never heard back from XXXX XXXX  account number ending XXXX and i would need this account to be reported ASAP THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2015-10-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc.

Complaint:
I found a debt with XXXX on my credit report that was being reported by stellar recovery. I contacted and paid that debt with comcast on XXXX/XXXX/2015. XXXX stated that they would contact stellar recovery to have this debt reported as paid. As of today, XXXX/XXXX/2015 the account with stellar recover shows unpaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I have made several attempts to have these issues fixed with equifax to no avail. There are 3 accounts on my credit report that have been continuously changed to reflect erroronus information. I have attached evidence of these errors on my reports. The 3 accounts are XXXX ending in XXXX, XXXX ending in XXXX and XXXX XXXX ending in XXXX. Please review statements for each account below : XXXX XXXX : - For the reports dated XXXX XXXX XXXX XXXX and XX/XX/XXXX, they state a last payment date of XX/XX/XXXX and a date of first delinquency of XXXX XXXX These dates remain constant, but the payment history has changed significantly on each subsequent report. See attached. This has had a significant impact on my credit and I would like this account removed due to the payment history being erroronus. 

XXXX XXXX : - For the reports dated XXXX XXXX XXXX XXXX and XX/XX/XXXX, they state a last payment date of XXXX XXXX  and a date of first delinquency of XX/XX/XXXX. These dates remain constant, but the payment history has changed significantly on each subsequent report. See attached. This has had a significant impact on my credit and I would like this account removed due to the payment history being erroronus. 

XXXX XXXX XXXX  : - For the reports dated XXXX XXXX and XX/XX/XXXX, they state a last payment date of XX/XX/XXXX and a date of first delinquency of XX/XX/XXXX. These dates remain constant, but the payment history has changed significantly on each subsequent report. See attached. This has had a significant impact on my credit and I would like this account removed due to the payment history being erroronus. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) the accounts are in violation of not reporting 100 % accurate. Moreover, I request to know all the steps the agencies took to insure these items were 100 % accurate under 15 U.S. Code 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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 XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-05-16
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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX  XXXX Balance : {$740.00} XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, CA  XXXX XXXX XXXX XXXX XXXX, CA  XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX XXXXXXXX XXXX  XXXX XXXXXXXX Balance : {$5900.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX Balance : {$150.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$740.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA  XXXX XXXX XXXX XXXX XXXX XXXX, CA  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX Balance : {$200.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION

Complaint:
I contacted the company to request the documents be sent to me to validate this debt and have yet to be sent any information. Then I contacted the cras XXXX and XXXX and reported the fraud. XXXX told me that it does not meet the guidelines. This account is not mine ALSO this account is 60 month terms that would have ended XX/XX/2021 but still reporting late payments. The balance continues to fluctuate going up and down. Last month XXXX they reported a {$310.00} payment due. This account is incorrect unfair and becoming a burden on my credit. Also the date opened, payment status, date last active, and date last reported are not the same. Under fcra guidelines I have the right to a fair and accurate credit file..Please remove this account from XXXX AND XXXX 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 2022-08-03
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 XXXXXXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States XXXX have the right to privacy. 

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
On my Equifax credit report they still have a inquiry from XXXX XXXX XXXX XXXX  XXXX XXXX this inquiry was done due to identity theft your company took off XXXX XXXX XXXX  so why not this one too? XXXX XXXX still has XXXX? Still one here on my credit report after 90 days. Still have not taken this inquiry off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
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: Experian Information Solutions Inc.

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
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:
I have been disputing this info since XX/XX/2022. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under 15 USC 1681c-2 this need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.

Complaint:
I received a written notification of a debt that I have nothing to do with.

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 2018-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CBA of GA, Inc.

Complaint:
CBA reported false info on credit report. Debt was paid in full and balance is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.

Complaint:
PNC has made a change that prevents you from being able to link accounts. file consumer financial protection bureau makes sure banks, and of the financial companies treat you fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC

Complaint:
This complain is for XXXX XXXX XXXX. It was supposedly for XXXX XXXX for {$300.00}. It was dated a few years back. Fast forward. Im in the middle of processing a mortage loan now. Had to pay the balance to raise my credit score up and remove the negative remarks they put on my acct. Before i paid them, i called to see if they can send over a bill with the amount i owed. They declined to do so in writing and redirect me to XXXX to see the balance. Decided to overnight the money order with the said balance on XX/XX/2019 with signature needed making sure theyll get the payment on time at XXXX on XX/XX/2019. Called the next day after it was signed by a person named XXXX XXXX at XXXX. Spoke to a representative and was told they havent received the payment. I told them it was signed at XXXX so they should have it on record. They said that the payment isnt posted yet and declined my request for them to expedite the process because i need a letter from them saying they received the payment and the balance is now {$0.00}. Spoke to a supervisor and they were no help either. Mind you that ive called them multiple times in the past week and they arent willing to help with anything. The second time i called it was a lady representative that helped me. I was on the phone for 50/more mins. She would put me on hold multiple times and failed to inform me that theyre updating their system and its slowing everything down. Mind you that i have a newborn baby and have other errands to do therefore i dont have an hour to sit around and be on the phone with them! Now my mortage loan was declined due to this mishap!! And i tried to access my acct from their website and it says my accts not accessible thru the web and have to call them.

Company response to consumer: Closed with explanation