hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
This isn't my account. Please remove it.

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 2023-05-23
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: Experian Information Solutions Inc.

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC

Complaint:
I pulled my credit report and at that time i noticed that this company is reporting debt that I do not believe to be mine or that is too old to be reported. I contacted the company and the credit reporting agency yo have the information validated. I have received no communications from creditor regarding account. They are reporting negative information on my credit report which does not belong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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 recently received a copy of my Equifax credit report today and found proof that they are still illegally reporting inaccurate information about me. The 2 following alleged collection accounts with XXXX XXXX is listed with a Past Due balance of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} This is a violation of the FCRA and it's in violation of requisite METRO2 Compliant reporting standards. 

This has been my 4th attempt to get them to update the collection account on my credit report and each time it changes to open to close to open to close... now showing a past due amount on both accounts which can't be allowed if it's a closed charge off. 

Please IMMEDIATELY remove these 2 accounts from my credit report and have them send me an updated report showing they're in compliance with all the XXXX reporting standards and these accounts removed upon completion. 

Sincerely, XXXX XXXX

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Per Consumer Law, 15 U.S.C 1681b - Credit reporting agencies such as, Transition, XXXX, and XXXX does not have the right to report anything or any matter with a consumers written consent. 

15 U.S.C 1681c - 1 Without my written consent these items still remain on my credit and I want them removed immediately because this is identity theft. 

Here are the inquiries below I do not recognize on my credit report and did not consentCompany Name : XXXX XXXX Date : XXXX Company Name : XXXX XXXX XXXX Date : XXXXXXXX XXXX  Company Name : XXXX XXXX Date : XXXXXXXX XXXX Company Name : XXXX XXXX Date : XXXX XXXX  Company Name : XXXX XXXX Date : XX/XX/2022 Actions That Were Taken ; I have called and sent letters and no response has been given in regard to the above inquiries.

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 2022-03-24
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2020-06-30
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:
Name : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX I did not apply for any credit card through XXXX XXXX. In XXXX, I noticed an account activity on my credit score for a balance that I do not owe. 
I have never had to apply for a XXXX XXXX  credit Account. I only have a joint checking account with XXXX XXXX  ( opened in XX/XX/XXXX ), not a credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Convergent Resources, Inc.

Complaint:
This company contact me to collect a debt behalf to XXXX bill the balance $ XXXX.I don't own to a XXXX not a cent.They find my phone and the treat on me that you have to pay the debt and the sheriff department is on there way to arrest me if im not paying.I have hard time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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: Experian Information Solutions Inc.

Complaint:
Reporting incorrect information - 1 ) reported in XXXX 2 ) First Delinquent date incorrect XXXX 3 ) Account was paid - All the dates changed after that 3 ) Tried to fix with XXXX XXXX XXXX They couldn't find it per the customer service rep. I was instructed to write a letter in XXXX and I did, no response was ever received, over 30 days to investigate. 
4 ) Reported to all the reporting agencies and they will not review old reports to see the issue. The reporting agencies are not following up, or requesting documentation for this error. 


XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number 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 explanation
Consumer complaint received 2023-03-17
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:
Fraudulent Accounts appearing and Inquiries on Credit Report. 


Inquiries fraudulent accounts and inquiries appearing on credit report. Inquiries 1. XXXX XXXX  2.XXXX XXXX. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX 7 XXXX  XXXX XXXX 8 XXXX  9 XXXX XXXX XXXX 10 XXXX 11 XXXX XXXX XXXX 12. XXXXXXXX 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 explanation
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION

Complaint:
I called about get information on how there car loan program works sounded good applied only for that I was denied the loan told that I qualified for XXXX secure loan. I was assured no money would be on HOLD. BUT 24 hour hold on funds TO MOVE TO A SAVING ACCOUNT AND WOULD BECOME AVAILABLE ONCE THE FUNDS IS IN MY ACCOUNT LONG STORY SHORT THE REPRESENTATIVE MISLEAD ME AND SEVERAL OTHERS UNTIL IT WAS TO LATE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Profit Services Group

Complaint:
XX/XX/18 Received a call, the lady was extremely aggressive from the beginning of the call. I explained that I don't have the extra money now and I'd be happy to call them when I was able to pay something. She then started to have foul vulgar language so I disconnected the call. I have never been spoken to like that from anyone calling my phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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:
1 ) I wrote a letter ( letter dated - XX/XX/22 to each bureau. I sent a first request for review and deletion based on my most recent Credit Report.I then sent certified mail demanding the Bureau.

12 ) The credit bureau 's have not responded to my initial or Demand Lette.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC

Complaint:
National Credit adjusters reported to all XXXX XXXX XXXX a collection debt for XXXX from XXXX from XXXX XXXX. I made a dispute and sent them information that cash central reports paid in XXXX. This company reported on my credit without sending any notification of the debt by mail or by phone. I never had a chance to dispute this debt or show it paid. They just reported on my credit and dropped my score XXXX points There response On Wednesday, XX/XX/XXXX at XXXX XXXX XXXX  XXXX XXXX XXXX wrote : Current Creditor : National Credit Adjusters , LLC XXXX Balance XXXX {$4500.00} NCA Account # XXXX Account # Original Creditor Balance XXXX XXXX XXXX XXXXXXXX {$4500.00} XXXX XXXX, XXXX XXXX for the delayed response. 



We acknowledge receipt of your communication indicating that you dispute the account or a portion thereof. 



We will refrain from communicating with you while we research and validate the debt. However, if we mail you validation of the debt, we will resume contacting you some time afterwards. 



This communication is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose. 



Sincerely, National Credit Adjusters XXXX response to them You do not have to refrain from speaking with me as you have never called me or sent any communication of this debt being owed. I sent the dispute out XX/XX/XXXX and you know respond XX/XX/XXXX. 

You have reported this collection to all three bureaus on my credit report without sending out proper notice of the validity of the debt. I am quite knowledgeable of the Fair Debt Collection Practices Act that came into effect XXXX of XXXX. Are you familiar with these laws? 

There are certain steps debt XXXX must take before they can report a debt to a credit reporting company. They must do any of the following : Speak to you by telephone or in person about the debt Mail a letter or send an electronic communication about the debt and wait for a reasonable amount of time, generally XXXX days, in case it is returned as undeliverable If the debt collector sends you a validation notice, it means that theyve satisfied their requirement to contact you and, in general, can begin reporting the debt to credit reporting companies, provided they follow other laws about credit reporting. 

Where is your validation Notice? I suggest you remove this debt from my credit immediately within XXXX hrs or I am filing a complaint with the CFPB. 
I suggest you take this seriously. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
Equifax has failed to protect me as a consumer. I have filed several complaints as far back as the end of last year with equifax due to insertion on my credit report by XXXX XXXX. My rights have been violated and overlooked continually. Equifax has stalled on various occasions and waited far beyond 30-45 days to respond to me. I have repeatedly denied these accounts are mine and I sent equifax copies of my I 'd theft report and a police report copy showing that my items were vandalized. Equifax always reposnds with " item verified. '' This leaves me no recourse but to Pursue further her action as they have failed to delete this accounts by XXXX XXXX. These are not my accounts and equifax has continually reported these accounts falsely. 
Acts XXXX Acts XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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 2017-12-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Access Financial LLC

Complaint:
I have been getting constant calls at my place of employment by this company which had resulted in disciplinary action from my boss. They continue to call my workplace after my boss asked them repeatedly to stop. They have threatened my boss and coworkers with legal action if they did not relay messages to me about a debt.

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 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Herbert P. Sears Co., Inc.

Complaint:
i communicate several times with XXXX  XXXX  To Remove THAT errors FROM MY CREDIT REPORT, THEY DID NOT. I WAS NEVER LATE PAID ON TIME AS AGREED. THEY TOOK my car and didn't NOT Want TO do BUSINESS WITH ME.THEY CHANGE ACCOUNT STATUS from late AFTER 3 YEARS and it IS reporting as a REPOSSESSION. Now They Sell it TO COLLECTIONS Company HP SEARS, ALLEGED account # : HP SEARS ( ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX # : XXXX .Address is XXXX XXXX  XXXX, XXXX , CA XXXX, THEY REPORTED TO CREDIT BUREAUS AGAIN and RUIN MY life and CREDIT.. 


THANK YOU

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 2020-10-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.

Complaint:
I received a debit card from Chase on XX/XX/XXXX of which was for a checking account at chase that ended in XXXX. I do not and have never opened a checking account at Chase Bank. I called the bank on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX after waiting both times for over 45 minutes was told that I had to speak to the Fraud Department and they were closed. On XX/XX/XXXX i waited for an hour for a representative and when they answered they disconnected me. I proceeded to call back and waited another 50 minutes when a gentleman answered named XXXX who verified that there was a checking account opened for 35 days with a XXXX balance, the account was opened online and verified that all of the information was mine with the exception of the telephone number was an XXXX number which should have been a RED FLAG. He proceeded to send me to the Fraud Department where a lady named XXXX informed me that she had to send me to the Identity Theft Department. A XXXX from the Identity Theft department informed me that she was going to mail me a document to sign and I needed to mail copies of my Drivers License and another form of ID along with my SS card, They already obtained and confirmed my information with me and I still have not received anything from them. I feel that the bank did not do a proper XXXX due diligence when this fraudulent account was opened and they also ran my credit as I checked my credit report and it is on there. The debit card number is XXXX XXXX XXXX XXXX. I asked for the Chase staffs full names and they all stated that they were only allowed to provide their first name.. It was never confirmed that this fraudulent account was closed and that the debit card was closed out too. This is the worst bank as they opened an account and didn't do the proper due diligence and to know that now someone out there has all my information and was able to open an account is very disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: MoneyLion Inc.

Complaint:
on XX/XX/XXXX i plced an order for 8 egg rolls from XXXX XXXX  the rotal was XXXX dollars they charged me XXXX i contacted the merchant and then charged me XXXX additional dollars for what rhey claim was an error fro XX/XX/2022 for an XXXX XXXX  i no nothing about nor was i even made aware of i want these charges refunded back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: STATE FARM BANK, FSB

Complaint:
I bought a car and financed it XX/XX/XXXX. 
- statefarm bank ( account no XXXX XXXX ) While paying the loan every month, I got a call from the bank saying that it was not paying for XXXX. ( XX/XX/XXXX ) The next day I made a deposit and reviewed my bank account. ( XXXX ) I found that the XXXX payment was returned in XXXX. ( XXXX ) I don't know why it was returned However, they first informed the credit agency that the payment was late and notified me in XXXX ( AFTER 5 months!!! ) of the following year instead of XXXX, causing a huge damage to the credit. 

They called me and said they left me a voicemail, but my voicemail is not set up. It is also the first time on the phone on XX/XX/XXXX. 
they just keep lying This XXXX three months ' payment has been processed at once, but it doesn't seem normal and I'm worried that this will happen again. 

The customer service is terrible. I'm going to change the bank soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have a fraud alert on my credit files. Today I found the following as a hard inquiry. 

I contacted them, and was told that my account had been approved and that credit cards were being sent out. I did not request this account nor did I attempt to open any credit cards or accounts. 

They verified my information and told me they would cancel the applications, cards and contact the credit bureaus to delete the inquiry. However I am very concerned with my fraud alerts being posted and them approving credit and cards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD 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