hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.

Complaint:
On XX/XX/2021, at XXXX I checked my XXXX XXXX with Experian XXXX which was at a level of XXXX. The next morning at XXXX, I checked my credit score again to find it at a level of XXXX. My credit score had been decreased by 14 points in a matter of 7.5hrs. My credit score has been holding firm with XXXX then a ONE point increase for atleast 4 months. There have been no negative activities in connection with my credit what so ever. I have received a credit card increase twice within those 4 months previously mentioned. My bills as-well-as 3 credit cards have been paid in full for the last 12 months. Why and how is this possible? How do you increase ONE point for good work then turn around and decrease 14pts for no apparent reason? ( In a matter of 7 overnight hours )

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 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and needs to delete right away : XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-08-25
Product: Credit reporting 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:
As of XX/XX/, I have sent letters asking the reporting agencies to furnish the supporting documents and PROBABLE evidence that I have any obligation to the mentioned accounts.

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 2020-07-31
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: Sequium Asset Solutions, LLC

Complaint:
There are incorrect bills being reported to my credit. 1 ) XXXX XXXX  2 ) SEQUIUM ASSET SOLUTIONS, ( a debt collector for XXXX XXXX XXXX The debts are a result of Identity theft previously reported to the above creditors yet they have not removed the accounts from my credit report. I have also previously supplied creditors and the credit companies with information regarding this ID theft and they have failed to properly investigate, remove or stop reporting incorrect collections on my credit report. I have been trying to purchase a home but I can not due to the fraudulent accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Radius Global Solutions LLC

Complaint:
I received a letter from Radius Global Solutions on a debt that was charged off by XXXX as a bad debt. XXXX attempted to collect on a debt the car was surrendered voluntarily due to XXXX, they left me alone and now they sold it to a collection agency whom is reaching out well after a year. I just want all communication to cease and desist. If I had the monies I would have kept the car people are trying to recover from the affects of XXXX as well as the storm that just ramsack New Jersey and now after well over a year I get this letter. I feel this is a tactic to get money I don't have. When I surrendered the car on XX/XX/21 I was told they would have it picked up the next day, I offered to drive it to the location so I was not charged any additional monies they told me I would not be charged but their people had to pick it up with a flat bed and the guy came with a regular tow truck I was charged for that service when I offered to drop it off. I was given the run around from XXXX from the start and never offered any assistance. XXXX is a very big company I asked to complain to a higher up my complaint fell on deaf ears no one reached out to assist I was also given the run around when I attempted to surrender the car.

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: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.

Complaint:
I am receiving repeated calls on my iphone identified as Client Services. When I answer no one is there. I looked up Client Services online and there is a legitimate company called Client Services that does debt collection. We have no debt nor have we ever had a debt that needed collection! Their web site says there have discovered a fraudulent company identifying as Client Services Inc that is unrelated to them. 
I received repeated, daily calls as follows : Client Services, XXXX MO XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XX/XX/XXXX XXXX  number XXXX XXXX XXXX at XX/XX/XXXX XXXX  number XXXX XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX This is what I have documented on my recent calls list! 
I would appreciate any help or guidance on how to stop these fraudulent annoying calls. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACS Education Services

Complaint:
Due to unemployment, my account was placed into a 12 month forbearance. The forbearance period expired in  XXXX  and payment was due on the account in  XXXX   2017 . Payment was made on  XXXX   XXXX ,    2017  for  XXXX  's payment due. Student loan co mpany, ACS, processed the payment and applied it to my account. A few weeks later I was noticed via  XXXX  credit monitoring that my account with ACS had been reported as being 30 days delinquent. Payment was never made late and in light of this I filed a dispute with the credit union. ACS did not correct the issue. Furthermore, I have attempted to call ACS on several occasions and have been placed on hold for hours on end. I would like for this payment information to be corrected and for the 30 day pass due status to be removed from my credit reports. This has adversely affected my ability to qualify for a mortgage and I would hate for this dereliction to affect me further. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX, South Carolina XXXX XXXX XX/XX/2023 I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX Amount : {$1300.00} I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have to aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.

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 2016-08-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Data Corporation

Complaint:
We receive several letters from this company at our address with very similar information but not for our company. I 'm convinced that they send these out to several companies in an attempt to scam money from them. Any type of inquiry requires a routing/bank account number. I believe this is a phishing/exploitation scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation

Complaint:
I took a course with the XXXX XXXX XXXX with monthly installment payments. I didn't complete payment of the course and they sent it to a collection Agency called UCSB Corporation. My account number as reflected on my credit report as XXXX. I settled the account in full for a lesser amount and they told me my credit bureau report would show a XXXX balance. However on my XXXX  credit report, it's still showing I owe a balance to the school for {$170.00}. I contacted the school and they informed me I still have a balance of {$170.00} and I would need to contact the collection agency because I made the agreement with them. This is a gross misrepresenation by the collection and I've repeatably requested a receipt and they claimed they emailed, faxed it, but I've never received it. They also stated they would mail me a receipt, but I've never received anything in the mail. The XXXX XXXX XXXX is at XXXX. If UCSB Corporation didn't have the authority to settle the account in full, then I would've never paid them and negotiated directly with the institution

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 2022-01-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch

Complaint:
( Credit Bureau System ) at ( po box XXXX XXXX, Ky XXXX ) has been sending me collection notices in the amount of ( {$1200.00} ) the account opened XX/XX/20 .the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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 purchased a XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. I noticed om the contract that too manypayments were listed on the contract. I contacted the dealership and told them and they told me to bring the car back to sign a new contract. When I arrived they told me that my {$600.00} down payment was not enough and that I had to put down an additional {$600.00} and that I needed to sign additional documents. I refused and gave them the vehicle back. 
The car was not reporting on my credit at that time. 
2 weeks later, I received an alert displaying a new account from XXXX XXXX with a {$12000.00} debt. 
My down payment was not returned by the dealership although I returned the car within 5 days. 
Now this new auto loan is displaying on my credit report which is preventing me from obtaining an auto loan as well as a loan for a home. 

I have sent a cease and desist letter to the dealership ( which has been ignored ) as well as contacted the Illinois Stated Attorney. 
I have disputed this account with all 3 credit bureaus and this account still has not been removed.

I am at my wits end!!! 
Please 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 non-monetary relief
Consumer complaint received 2023-05-18
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
I am not liable for this collection debt with XXXX XXXX who sold my personal info to Portfolio Recovery Associates " without my consent ''. I do not have a contract with XXXX XXXXXXXX or Portfolio Recovery Associates, I have requested & " They did not provide me with the ( original contract or application ) '' like I asked after explaining that the account was fraud. they sent me a bill not the actual contract or agreement or my consent to even forward my personal information in the first place Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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 checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I am writing to request your help and notify multiple violations to the FCRA. My name is XXXX XXXX ; my SSN XXXX, DOB : XXXX. My rights as a consumer are not being respected. I have an account with XXXX XXXX XXXX XXXX, account XXX, opened : XX/XX/XXXX Limit : {$22000.00}. This company is committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting FALSE AND ERRONEOUS INFORMATION. 

Ive always been on top of my payments, that Is why is enrolled the 2 accounts in automatic payments. Bank of Americas website is not friendly at all. It was really difficult for me to set up the automatic payments for both account ; however, they only did it for one account. As proof that I had the money and that I was willing to pay, the other account ( XXX, Date opened XX/XX/XXXX Limit {$2300.00} ) is current without a single late. This was not a money issue. I did have the money to pay. They are being negligent and unfair with this. 

They are also being unreasonable because I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL, as required by law. They are committing BREACH OF CONTRACT, these are two more violations to the FCRA and the list of violations is much longer once I sat down with my attorneys to talk about my awful experience with this company. 

This is affecting me in a huge way, mentally and physically. I have a Pending mortgage for {$500000.00} because of this incorrect information being reported. I demand a deletion letter from Bank of America as soon as possible so I can provide to my mortgage company and get approved with the interest that I deserve. If they refuse to provide letter of deletion letter through CFPB portal, I will not think twice to let this issue be decided by a judge in a law suit court. I am sure that it would be a trouble for Bank of Americas records taking this issue to a court. Thanks for reading my complaint. 

See Bank account attached from the time of the issue, as proof that I had enough funds to pay.

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 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.

Complaint:
My debit card was compromised and I was advised by bank that the card would be deactivated. I explained The only access I have to my checking account is through a debit card as I am in Louisiana and there are no PNC Branches in the state. On XX/XX/23 I paid {$25.00} to have the card expedited which would fast track delivery in 3 days. Ive made numerous calls to Pnc been given the runaround regarding when the card would be sent. I was told that the card was already in route on multiple occasions and the card still has not arrived. I dont have access to my money and need food, gas and to pay bills. The bank is either unable or unwilling to assist and I seek your help. I have a solution and I need the bank to assist in contacting a branch in Florida, and having the branch print a card and then overnight it to me. XXXX willing to pay the fee for the overnight delivery. Please help because XXXX Pnc is doing to me is absolutely abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL

Complaint:
XXXX XXXX XXXX has called mt phone within the last 90 days 422 times per my caller ID and other applications via cellphone. I explained to this collection company that this debt is unknown and I do not recognize the account from Synchrony Bank. After conducting additional research over the weekend, the account was changed four times from one store to another that I never knew existed. I have requested that this collector send it back to originator where the matter could be handled legally and send proof of any documentation that they had regarding charges and its ' original application. 

This company placed this collection on my account soon as the country went into a state of an emergency. They have called on several occasions as well where the state I live in requested all call and collection activities to cease under a mandatory mandate or moratorium. Yet alone, the debt is erroneous.

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