hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
N accordance with the fair Credit reporting act XXXX  account # XXXX, has violated my rights 15 u.s.c. 1681section 602 A. States that I 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 account without my written instructions XXXX XXXX, us department of education

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.

Complaint:
Got a letter from Credit Collection Services stating I owed hem money for car insurance through XXXX! I contacted XXXX and they stated I have never had car insurance with them and this collection company is trying to collect money under false pretenses! I contacted this company CREDIT COLLECTION SERVICES and they were so ruied and calling me a lier and Im a state Judge with morals!!! I have filed a FTC report and police and NC Insurance commission! Clearly this company is making up false information to collect money!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
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: FC HoldCo LLC

Complaint:
I contacted XXXX over the phone after I discovered fraudulent credit inquiries on my credit report. The XXXX representative that answered the phone informed me I needed to contact the creditor directly. However I had already reached out to the creditor and the creditor informed me I needed to contact the credit bureaus. Therefore I immediately informed the representative that I had already reached out to the creditors and I informed her I was frustrated at this point because I felt like I was getting the run around and nobody was helping me solve this situation. The representative stated she needed to transfer me to the fraud department. Once the XXXX representative transferred my call to the fraud department I went over the fraudulent credit inquires listed as followed : XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX with the representative and was told my dispute had been opened. It has been more than 30 days and I still see those credit Inquires on my XXXX credit report. It has been very difficult getting this resolved and I just want to make sure these fraudulent inquires are removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL

Complaint:
Reference : DISPUTE PER CREDIT CARD CLOSED AND THAT STILL APPEAR IN THE INQUIRIES SECTION FROM XXXX. Reviewing my credit history of XXXX XXXX XXXX, I found that in the INQUIRIES section from XXXX  still appears a credit card from JCPenney and closed in XXXX XXXX XXXX, please see attached evidence in pdf format. Previously, between XXXX and XXXX of XXXX, I contacted several times to customer services of JCPenney in relation to this issue, but they never take action to resolve this matter. . For the reasons stated above, I kindly request to remove from the section INQUIRIES any information reported by JCPenney to the Credit Report Agencies, this is an abuse because hard inquiries will impact my credit score.

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 2022-09-14
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: EQUIFAX, INC.

Complaint:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
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:
Went to a dealership and wanted to apply for a car and they said they was only going to do XXXX  XXXX XXXX, however it was 6 other hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendingUSA

Complaint:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my LENDINGUSA account. Id have an excellent repayment record. Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. The payment is not late and not 30 or 31 days past due because the payment for XX/XX/XXXX was received on XX/XX/XXXX, and shows on the statements I receive that I suppose to honor will a grace period before late every month this month statement shows XX/XX/XXXX. PLEASE STOP ADDING 30 DAY LATE PAYMENTS ON MY CREDIT REPORT WHEN I PAY MY BILLS PROPERLY OR WILLING SUING YOUR COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.

Complaint:
On XX/XX/XXXX, I tried to close my checking account with Citibank due to an earlier issue with fees and confusing marketing. Because of Citi 's failure to properly staff their customer service teams, I was unable to get through. As a result, I have been charged {$92.00} in fees. When I later managed to get in contact with a rep, she told me that she couldn't close my account because of the fees.

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 2023-01-14
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: Atlanticus Services Corporation

Complaint:
I submitted a fraudulent charge affidavit with ASPIRE credit card company and they failed to address. At the time I had a {$1000.00} credit limit, and they allowed a charge from XXXX in the amount of {$1800.00} and said I need to pay it. The charge was not authorized and at the time the card did not have the credit limit to support the charge. When I submitted a dispute with the XXXX XXXX XXXX 's XXXX, XXXX, XXXX and they failed to investigate and remove the negative item from my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the fair credit reporting Act. 
The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

15U.S.C 1681 section 602 A. States i have the right to privacy.

15 .U.S.C 1781 64 A section 2 : it also state consumer reporting Agency cannkt Funish a account withiut written instructions.

15 U.S. C 1681c. ( a ) ( 5 ) section 2 States : No consumer reporting agency may make any consumer report containing any of the following items of information qnynother adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 
15U.S.C 1681s-2 ( a ) ( 1 ) a person shall not funish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I was never late on this account. I have made all my payments on time. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX. 
I never had a contract with this debt collector for any debt. 
XXXX account with account # XXXX opened on XX/XX/XXXX. 
This account is incorrectly being reported as a charged off account with a balance due. 
XXXX  account with account # XXXX opened on XX/XX/XXXX. 
XXXX  Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. The current payment status of 90 Delinq is incorrect because the balance due on this account is {$0.00}. 
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX I am writing to dispute the following information that appears on my Transunion report XXXX XX/XX/XXXX : XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of 60 Delinq is incorrect because the balance due on this account is {$0.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX. 
Collection account from XXXX XXXX with account # XXXX. 


XXXX XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX. 
Collection account from XXXX XXXX XXXX with account # XXXX Collection account from XXXX, XXXX with account # 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 2019-12-17
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:
Im 100 % with the VA my loans should be discharged.

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 2022-12-04
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 am interested in disputing my credit report with Equifax. checking my file alot of information is invalid. it is hindering my credit report to be cleared an corrected. please remove all information on my credit report that is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Have file numerous disputes that they never answer or completely ignore. i have ask for these to be remove because they are not reporting correctly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They verify even though they are not correct at all? 
then i do not get responses i ask to remove because of no response at all by law they are to remove them right away at this point pretty simple by the law no response at all over 60 days????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
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:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Please remove these erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$4800.00} XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

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 2023-10-02
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX in the amount of {$1400.00}, has violated my rights. XXXX XXXX in XXXX amount of {$0.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$3800.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$800.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$810.00} 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05
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:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5 10 ; 11, 13, 14, 16 and 21 of the attached from the credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2023-05-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Heritage Financial Group, Inc.

Complaint:
Heritage Acceptance XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX ( XXXX ) XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: MERCANTILE ADJUSTMENT BUREAU, LLC

Complaint:
Amount owed to XXXX was only for {$90.00} total on Acct. # XXXX, for XXXX XXXX XXXX, XXXX, XXXX, NJ XXXX. 
Paid in full " at '' XXXX on XXXX in XXXX on XXXX/XXXX/2016. The " Fraudulent '' amount that you presented on my Credit Report of {$180.00} was given to XXXX on XXXX/XXXX/2016. It is to be taken OFF of my credit report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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:
Can u please delete the XXXX  " Duplocate hard inquiries ''. I know nothing about this second new inquiry at all. As i will provide documentation of the duplicate inquiries. 

I also froze my accounts with fraud alerts and reported to the FTC for further security & Investigation measures. This was improper use of my credit report of hard inquiries that i am unaware of and did not authorize. 

I was notified by XXXX XXXX XXXX XXXX app thats someone accessed my info. I also filed a FTC Report. Any company is supposed to contact me before hand regardless if an attempt is made to try anythi g on my report. U will also see i included that on my reports and in this report as well. 

The 2 Hard Inquiries was only supposed to be 1 Hard inquiry & 1 Soft pull. Its only for XXXX XXXX XXXX XXXX I have. I even have freezes and fraud alerts on there and not sure how it still got on there. 

As i will show u documentation that it was blocked originally. Experian is blaming the creditor, the creditor is blaming Experian and I been getting the run around. XXXX XXXX said on their end they only see 1 " Hard Inquiry '' which obviously isn't the case. 

Experian finally they told me it would be deleted in the next 24-72hrs but yet its still on my report. Duplicate Hard Inquiries : XXXX XXXX XXXX XXXX  ) can somebody please help me for somerhing that should be so simple to be corrected.

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