hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
In accordance with the fair credit reporting act XXXX XXXX  account # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have 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. 

In accordance with the fair credit reporting acXXXX XXXX XXXX XXXX # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have 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. 


In accordance with the fair credit reporting act XXXX BANK account # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have 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. 

In accordance with the fair credit reporting act XXXX XXXX account # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have 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 In accordance with the fair credit reporting act XXXX XXXX XXXXccount # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have to privacy 15. U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am interested in disputing all inaccuracies on my credit report with Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I called the XXXX credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1800.00} , XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00}, XXXX  XXXX Balance : {$7800.00}, XXXXXXXX XXXX XXXX XXXXXX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXXXX/XX/2021, XXXX XXXX XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA

Complaint:
XXXX XXXX reporting ( 3 ) late payment I have notices on my credit report with XXXX, XXXX, and XXXX. Which dates in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not been late, my student loan was in forbearance at the time. In XX/XX/XXXX I called in to update my personal contact information such as my new address, phone number, and my new phone number as well. They didnt not put it there system like they should have. I had no idea I was late & my loan was not in forbearance until I pull my credit report & seen that my account was late. This is not my fault, they should have updated my contact information when I request it to be over the phone with an XXXX customer service agent. So they had no number on file or email nor a correct address on file for me. So I called XXXX XXXX multiple times about my account with those late payment. I ask them several times to correct this information, because it is hurting my credit scores. They refuse too. So then I spoke to their XXXX XXXX / AES attorney XXXX XXXX XXXX XXXX, XXXX. He explain to him my story, he told me that they will look into it & correct the late payments on my account. I have not heard back from him. I been speaking to their attorney from months since XX/XX/XXXX. They have not correct those late payments yet. This becoming very aggravating & I feel like they are taking a vantage of me. I wrote letters, made phone calls too them, even spoke to their attorney as well, and they still fail to fix this issue.

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: CURO Intermediate Holdings

Complaint:
these accounts are fraudulent! I've been disputing for about a year and they yet to provide sufficient evidence of these accounts. please remove them. and late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
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:
Contacted XXXX via its toll free phone number on XXXX XX/XX/2022 to first inquire about an adverse notification from XXXX, Division of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, PR XXXX. Since I know nothing about this financial institution and do not conduct business with it, it will be necessary to report it for fraudulent activity. XXXX did nothing to resolve the issue during the call ; instead, the customer service representative stated they could only sign up customers for a paid monthly credit monitoring service.

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 2021-08-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
Information sent in to credit bureau on XX/XX/2021. The bureau has yet to respond or take action in removing the items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 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 2021-09-24
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: Midstate Collection Solutions, Inc.

Complaint:
I am a victim of Identity theft/fraud. 
I have notified XXXXXXXX XXXX XXXX XXXX XXXX XXXX and Midstate collections several times that these accounts do not belong to me, I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft Affidavit signed and notarized along with my sworn statement regarding the fraudulent account. 
These accounts were reportedly opened online with someone using my ID and ss card which were both stolen and reported to the authorities years ago. 
Documents submitted to XXXXXXXX XXXXk : affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX and Midstate collections continue to report these fraudulent accounts on my credit report although I have provided these documents with no response from the companies or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
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:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX IN RESPONSE TO CFPB : XXXX Dear Sir/Madam : On XX/XX/XXXX, I have wrote several letter of dispute I have been ignoring and the proper protocol was not used to determine my dispute reason permitted by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX XXXX XXXX  Closed : XX/XX/XXXX XXXX {$11000.00} Closed XXXX CARD Closed : XX/XX/XXXX {$0.00} Closed Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 
If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive  damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees. 
I have forwarded a copy of this letter to the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: West Central Texas Collection Bureau

Complaint:
I sent a request to validate that a debt on my report is accurate with West Central Texas Collection Bureau for account number XXXX reporting on my XXXX  report. The company responded without providing any validation or proof that the debt is legally mine. 

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. West Central Texas Collection Bureau has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

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 2023-04-05
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: EQUIFAX, INC.

Complaint:
I spoke with some one from XXXX XXXX XXXX XXXX letting them know I never authorized nay card to be open in my name I asked XXXX if they could verify that I had applied for this card that they are reporting they stated the card was opened on line with my information I did not open this card and this. Closed account reporting is fraudulent, I have also had the same issues with XXXX XXXX I never opened any Credit card through their company they to stated it was an online opened account! During the time I was staying will people while attending school my identity was used I never collected mail from this home I learned of these cards through credited reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.

Complaint:
I lost my debit card XX/XX/21 and 16 transactions were withdrawn from my account within two days until Citibank finally froze the account and sent me an email XX/XX/21. I called as soon as I saw the email. {$2400.00} total. They say my pin was used and don't want to pay me back. Then they keep asking me for different things to do which take several weeks each like calling the police, getting a police report, calling different numbers, faxing the report, etc. It has been 3 months and still no results when doing everything they have asked me for.

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 monetary relief
Consumer complaint received 2021-07-14
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX. XXXX  XXXX XXXX  XXXX, XXXX XXXX Last 4 of SSN : XXXX RE : Account Number XXXX To whom it may concern, I am contacting you because I have found some information that is in-accurate on my credit report. You are reporting a late payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on the account XXXX XXXX  Account Number XXXX This is not true, I was not late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I request that you verify the information and update the payment history on this account as PAID, NEVER LATE with all 3 credit bureau. I was on the Coronavirus-Related Mortgage Assistance Plan and I have been making my payments on time.

After doing so please provide me with an updated credit report reflecting the changes.

Best Regards, 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 2022-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
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: OLIPHANT FINANCIAL, LLC

Complaint:
As XX/XX/XXXX I've called and spoke with customer service about a fraud that put on my account by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Account # XXXX this company stated the account was open in XX/XX/XXXX I have told the agent was a victim in of fraud in XXXX as well and I assured they would ask for documentation of proof and today I received and email stating it's Verified as accurate.I request XXXX to provide Proof of certified documentation of accuracy of this update to my credit file. This collection company is not licensed in my state nor did this company send my a letter of dispute by mail. I request proof of signature and proof what address when this account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Product: Credit reporting 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, XXXX XXXX XXXX XXXX have been a victim of identity theft and impacted by the Louisiana and XXXX data breaches. As a result, as a Louisiana resident, my personal information was exposed in the breaches that made global news. I'm a victim of identity theft, and the accounts and inquiries listed result from identity theft. 

Accounts & inquiries that are not mine and a result of identity theft are below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 explanation