hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have asked for valadation on accounts that appear on my report and I have not heard back from the companies. I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are un verified according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information that is innaccurate, incomplete, or which provide testimony and certification that you can not be verified. XXXX cards, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Auto, and, XXXX lending services. It is also my understanding that under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, INCOMPLETE, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely deleted. I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHT TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formated reporting standards according to regulations.

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 2022-09-19
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: AMERICAN PACIFIC MORTGAGE

Complaint:
I was referred to XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) by the XXXX website since they are handling low to moderate-income families who obtain loans with down payment and closing cost assistance. 
XXXX XXXX XXXX # XXXX, who was the assigned consultant reached out and assured me that she will be able to assist me with my needs. 
As a first-time homebuyer, I made it very clear upfront that I only prefer pre-approval using soft inquiry to learn how much I can get qualified for, how much I can afford, and also have a better understanding of the entire process before diving in with the actual buying process. During the pre-approval process, I was trying to avoid any mishaps or headaches correcting something posted on my credit report which will be a hassle to correct. 
According to XXXX, she did a soft inquiry and provided a pre-approval via email, however, she provided a pre-approval letter to the selected real estate agent ( referral by XXXX ) bypassing me. I received the pre-approval from my real estate agent and not XXXX. This kind of threw me off. After my pre-approval, it appears XXXX did not want to deal with me ( not sure why ) In the meantime, I reviewed the pre-approval and nothing details on that letter made any sense. I typed up all my questions and emailed them to XXXX for answers ( XX/XX/XXXX ). When I did not hear back from her, I called her on XX/XX/XXXX. Right before that phone call, I received an email from XXXX informing me of a credit inquiry on my report. I did not think of anything at that time. During the call, I repeated each of the questions that I had on the pre-approval for XXXX to answer, and I also asked her if she by any chance might have done a hard inquiry on my credit. Her answer was Yes because I think you are ready. I was shocked, and told XXXX, as per our conversation, that I did not consent/permit her to run a hard inquiry yet since I was still making decisions on whether to move forward yet or to wait a little longer. 
She was upset about the situation, making me feel it was my mistake. She told me she can take the hard inquiry off my report. I circled back to her on XX/XX/XXXX checking to see if she did make that call, and her response was I will initiate the process. I followed up again on XX/XX/XXXX requesting an update, and her response was, XXXX, this is not an overnight process will take a while. I dont get updates.. 
At this point, I do not trust her. I am not even sure she did initiate the process to correct my report. This is the type of situation that I was not looking forward to but yet I am going through it. 
I need some help and support to get this fixed. I have all email responses if I need to show them as proof.

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 2017-08-14
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:
I am a victim of identity theft. I have fraudulent and unauthorized hard inquiries listed on my Trans Union,  XXXX and XXXX credit report that do n't belong to me. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX, XX/XX/2017, XXXX XXXX, XXXX, XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017

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 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY

Complaint:
Due to the recent COVID-19 guidelines, I was forced to close my XXXX. I reached out to American Express on XX/XX/ to ask if I could lower my monthly payment or have a reduction in interest. I also suggested I transfer the balance to a different card with lower interest and was told I could not do that. It is common for me to spend 10-20k on this card in a month, on behalf of my XXXX, and I have always paid it in full monthly. I have never had a late payment with this creditor. The representative refused to work with me and kept responding with the interest rate of nearly 24 %. I asked if I could speak with someone else regarding the situation and was then disconnected by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
contacted said company several times to resolve this matter but they are refusing to assist me & are being extremely rude and callous to my needs. I currently have an open dialogue with the loan manager at the bank & they're still refusing to correct the information being reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I have attempted to resolve a matter with Capital One about incorrect information on my credit report. I have provided all of the information they require and have not received adequate attention. The report is stating that I had delinquencies on a credit card from XXXX XXXX. The card was not mine and there is no other record of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01
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: Convergent Resources, Inc.

Complaint:
I filed a dispute in regards to incorrect items on my credit report. Its been well over 30 days and I havent received any investigation results.

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 2022-11-26
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 filed a complaint with CFPB on XX/XX/2022 complaint # XXXX resulted in identity theft the Equifax response to the complaint indicated all inaccurate information was removed when I received the The confirmation credit file from Equifax in the mailed confirmation # XXXX on page 6 has XXXX XXXX  on my credit file this file was never removed from my credit file. Also XXXX XXXX was reinserted without me being notified which is a FCRA violation. Please provide steps you took investigating my complaint I provided all required documentation required by FCRA and this neglect from Equifax has damaged my reputation and character and XXXX stress and the hours spent going to get affidavits and other copies notarized. Equifax also stated my data was breached and I have file a claim in regard to that as well. I'm demanding you remove those items that is inaccurate in my credit file. Also attached is a my data breach claim in which I was eligible. For indirect disputes filed with CRCs, the FCRA requires that, upon receiving notice of the dispute from the CRC, the furnisher must conduct an investigation with respect to the disputed information and review all relevant information provided by the CRC. 20F 21 The standard for investigation of indirect disputes is, like direct disputes, that the furnishers investigation must be reasonable. 21F 22 Examiners found one or more furnishers violated these provisions when the furnishers responded to CRC notices of disputes without verifying the accuracy of the disputed information but instead with instructions to the CRC that the consumer should contact the furnisher directly and that the disputed information should not be deleted. In response to these findings, one or more furnishers are developing dispute handling policies and procedures to ensure the investigation of disputes is in accordance with the requirements of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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:
The items accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXXXX/XX/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 2022-12-07
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/XXXX I sent a letter for inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item within 30 days gives reason to immediately update this item from my credit report. It has been over 30 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 Equifax credit bureau report only 100 % accurate credit information. 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 this account be fixed 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.

Complaint:
I closed my account with XXXX phone company in XX/XX/2021 and also paid the balance before the due date. I called their customer service week later and verified my acct. was closed and no balance was due. When the XXXX phone bill arrived I called again and was told again my acct. was closed with {$0.00} due. Despite my acct. being closed, XXXX continued to bill me for several months even though several on-line inquiries and phone calls showed my acct. was closed. 
I was not informed by XXXX that they had sent my incorrect unpaid balance to a collection agency. EOS CCA of XXXX is attempting to collect {$420.00} on behalf of XXXX. The EOS CCA acct. # is XXXX. My XXXX acct. # was XXXX. I have received a collection letter from EOS CCA and replied today to said letter informing them I am disputing this fraudulent debt. 
All my phone calls to XXXX 's acct. cancellation and billing services phone numbers were answered by a contact service in XXXX or XXXX.These service representatives command of the English language was very basic and I have no way of ascertaining if they forwarded my acct. closure requests to XXXX in a timely manner, if they did so at all ; because it seems XXXX only closed my acct. due to the incorrect unpaid balance. 
Thank You for your attention to this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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: EQUIFAX, INC.

Complaint:
I spoke with the dealership about submitting several credit inquiries while only agreeing to XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IN XXXX on XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Texas, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.

Complaint:
XXXX XXXX policy was switched after an the quote they gave me was incorrect and suddently increase my price. The month of insurance with XXXX XXXX was paid and yet XXXX XXXX kept billing for months when XXXX sent them notice and took over our auto policy. 

The collection firm nor XXXX XXXX XXXX sent a notice of debt or collection. We never received a phone call or letter after the cancellation of account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
I do not or have never had a contract with this company therefore I do not owe them anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Freedom Mortgage Company

Complaint:
We have paid our debt with Freedom Mortgage and all applicable fees. We have been provided a confirmation number of payment in full and provided it to XXXX and XXXX XXXX. We also recieved our next bill showing all past dues paid and next payment not due till XX/XX/2020. We provided this information via phone and by email to XXXX and XXXX XXXX but recieved no direct coorespondence of any kind. We asked Freedom Mortgage to notify them as well since it was there client. Yet we have recieved attempts of court notices from the sheriffs office during our family functions, multiple letters, and we even have our information in public records showing pending foreclosure that is all inaccurate. All debts were settled long ago and our payments are on time but we also get horrible calls routinely. It has been harassment more so than anything ever experienced and has embarrassed us completley despite our fruitful efforts to have our financial issues resolved. We had hoped it would resolve once we paid all they asked of us and more but they just keep harrassing us. We literally owe nothing to anyone, and have sold so much to make it this way, but they just wont stop. We cant afford an attorney at this time, but dont know what else to do.

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 2023-08-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC

Complaint:
I am writing to file a formal complaint regarding an inaccurate debt entry that has been reported on my credit report. After reviewing my credit report obtained from XXXX, XXXX, and XXXX, I discovered a debt associated with XXXX  XXXX XXXX XXXX that I have never opened or authorized. 

The details of this erroneous debt entry are as follows : Creditor 's Name : NCA  Original Creditor : XXXX  XXXX XXXX XXXX Amount of Debt : {$390.00} I want to emphasize that I have never had any financial dealings with XXXX  XXXX XXXX XXXX and have never opened an account with them. The inclusion of this debt on my credit report is not only inaccurate but also damaging to my creditworthiness and financial reputation. 

I have taken immediate steps to dispute this erroneous debt entry with  [ creditor 's name ] directly, but they have failed to respond or rectify the matter. It is disheartening that despite my diligent efforts to address this issue, the credit reporting agency has continued to report this inaccurate and unjust debt entry, which has had a profoundly negative impact on my financial standing. 

I request that the Consumer Financial Protection Bureau launch an investigation into this matter and take the necessary actions to rectify this egregious error. I kindly ask that you contact NCA/XXXX XXXX XXXX  on my behalf and demand that they provide verifiable proof of the alleged debt or immediately remove the entry from my credit report. 

I implore the Consumer Financial Protection Bureau to expedite its investigation into this matter as the inclusion of this false debt on my credit report is causing significant distress and adversely affecting my financial well-being. I kindly request that you keep me updated on any progress made and provide me with regular updates on the resolution of this issue. 

Please feel free to contact me at your earliest convenience should you require any additional information or clarification regarding my complaint. 

Thank you for your prompt attention to this matter. I am confident that with the intervention of the Consumer Financial Protection Bureau, this erroneous debt entry will be swiftly rectified, and my credit report will be restored to its accurate and fair state.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nationwide Credit Corporation

Complaint:
This is a formal complaint against Nationwide Credit Corporation, NCC in XXXX, VA. I have been contacted XXXX times on my personal cell phone, during business hours ( typically between XXXX XXXX and XXXX XXXX XXXX ). Despite repeated requests to cease and desist, the calls persist. I notified them that my benefits provider was conducting an investigation ( That the matter had been resolved as of XXXX ). If they had questions, I was instructed to tell them to talk to XXXX XXXX ( benefits provider ). Despite this, I received the latest call this morning from XXXX XXXX at Nationwide Credit Corporation ( NCC ) yet again. I notified them at this call that I would be formally submitting a complaint for harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.

Complaint:
Experian had been informed by XXXX XXXX XXXX and myself that the two medical accounts was to be deleted from my credit report along with XXXX. They continue to report to wrong information along with inquiries that was disputed.

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 2023-06-06
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: EQUIFAX, INC.

Complaint:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Peter Roberts & Associates, Inc.

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation