hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2018-03-14
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: CITIBANK, N.A.

Complaint:
On XX/XX/2018, I learned via an alert from XXXX   XXXX XXXX that a credit inquiry was made by citi bank. I have not applied for any credit with that organization. As soon as I learned of this unauthorized inquiry I immediately placed a fraud alert with XXXX, XXXX and XXXX. Since I have not applied for credit with them I requested that they remove the inquiry and any future application for credit under my information be verified first. Since this was not initiated by me they are not legally entitled to make an inquiry. I request that they contact the concerned credit bureau ( s ) and remove the unauthorized inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.

Complaint:
XXXX is reporting to all credit reporting agencies that I was 90 days delinquent in paying my student loans in XX/XX/XXXX and XX/XX/XXXX. I reported this problem to Navient via formal letter on XX/XX/XXXX and asked that they please review this information as it was incorrect. Payment arrangements were made using the only account number ( Account XXXX ) that I have with XXXX. This account number is the only account number that XXXX has issued for both my Federal and Private loans. Payments in the amount of {$620.00} were agreed upon and directed debited from my account beginning XX/XX/XXXX through XX/XX/XXXX on the XXXX of each month. XXXX is now stating that they only allocated funds to my private loans and my federal loans were placed in forbearance as requested by text message, however they were 90 days late before the forbearance was activated. I did respond " yes '' to text messages asking if I wanted a forbearance, however I thought that it was necessary as I had agreed on the payment plan with the Navient representative in XX/XX/XXXX. XXXX responded to my written complaint stating that they performed their investigation and find that I was delinquent on both my Federal and Private loans so therefore they will not remove the delinquency from my credit report. I only have one account number and am unable to allocate how they apply the payments that I make. I asked the Navient representative several time during my conversation with him in XX/XX/XXXX that the payment arrangements he was making would cover ALL loans and he confirmed several times that he was including ALL loans. Please see the attached documentation from the XXXX website that shows the allocation of payments and the single account number issued by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-01-27
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:
On XX/XX/2020, I mailed a letter about inaccurate accounts on my credit report. It has been well over 30 days and I haven't received results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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: JPMORGAN CHASE & CO.

Complaint:
I called your department after I purchased a credit report with XXXX XXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that these were Charge off accounts on my credit report. I was a casualty of savage wrongdoing. I'm not liable for these accounts, no police report or fraud affidavit is possible and no information or document is in my possession. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. A copy of my Bank Statement, Drivers License, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following inaccurate names : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXXXXXX XXXX XXXXPlease verify the following incorrect names. I think there XXXX be an error, please remove as per FCRA 605B, also inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NY XXXXThis isn't my home address. Per Fair Credit Reporting Act Section 605B you are required to remove the undistinguished address on my credit report. These accounts included in the dispute are : JPMCB CARD XXXX JPMCB CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.

Complaint:
I keep getting calls on my cell phone from this debt collector. I do not have any debts outstanding now or from the past I have been receiving calls from a XXXX for over 5 months. I have the number blocked and they keep calling my cell phone. I have researched these XXXX and it appears to be a company called First National Collections Bureau. These XXXX are relentless from what I have read on the internet, it appears that the government has done little to nothing to stop these XXXX. I bet if these XXXX started to call the FTC or some other government agency something would be done to shut them down. So for now all I can do is be another complaint about a company that needs to spend some jail time and not a fine or slap on the wrist for harassment. Thanks XXXX from Oklahoma.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: C/C Financial

Complaint:
I have sent debt validation letters to Preferred Lease twice as well as disputing the incorrectly reported information for a Lease for a mattress that was only {$900.00} that now says it is {$2500.00} plus what was already paid. Preferred Lease has not answered phone calls or emails, or replied to debt validation letters. I have received no contact and yet they continue to report the debt as valid to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XX/XX/30 : contacted Transunion about inaccurate hard credit inquiry that I didnt authorize by XXXXXXXX XXXX XXXX XXXX ). XXXX said to contact bank directly. I contacted bank at number they provided on my report and when I called a recorded message says the number is no longer in 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 explanation
Consumer complaint received 2023-01-13
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:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BYL Collection Services

Complaint:
BYL COLLECTIONS SERVICES ( XXXX XXXX XXXX ) reporting a debt owed of {$27.00} is a result of identity theft and has been reported to the FTC and is currently under fraud investigation as I am a victim of Identity theft. This account was has been active and reporting since XX/XX/2016 per my monitoring service. This account does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
Was alerted on my credit file of a hard inquiry from Bank of America also received a email from Bank of America that a credit application was denied that I never applied for a card foXXXX XXXX  XXXX signature XXXX XXXX or with Bank of America my credit score lost points and someone is currently using my info I have put a freeze on all 3 credit bureaus for my credit file

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 2023-02-22
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.

Complaint:
I have tried calling the company of Sagestream LLC numerous times no call back once left voicemail on XXXX. If they are provinding my credit to any company I need too know and also freeze in which I have been calling to get a copy n too freeze from use. Its a recording to where someone will call you but no one ever answers or call back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Upgrade, Inc.

Complaint:
I opened my card with Upgrade in XX/XX/2021. There has been no problem with using the card or with their terms. The problem I have is that they do not overtly disclose how much interest is charged each month. I must always determine this amount by subtracting the balance according to all listed charges from the balance displayed on my account dashboard. I have scoured their website and I have scoured my statements and there is absolutely no mention of how much interest is being charged. 

To be clear, my problem is not that they are charging me interest. It is that they are HIDING it. I did initially make a call to their customer support line and even the representative I spoke to could not find any information on what the discrepancy between the listed charges and the given balance was. He could only suggest that I continue doing what I am doing to determine what interest had been charged for a given month. 

I am attaching a copy of my most recent statement with the account number redacted ( though I'm 100 % certain they could determine who I am based on the transactions and billing dates ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.

Complaint:
I have asked Diversified Consultants to send me verifiable documentation that this debt is indeed mine ( first request sent on XX/XX/XXXX, please see letter attached ), in turn they sent me was a bill of the charges they claim I owe. I sent the second letter demanding the same verifiable documentations ( sent XXXX, see attached ). They again responded with a bill, of the charges they claim I owed. I also would like to mention that this account was previously owned by XXXX XXXX, who ceased collection on this same account, and removed it from my credit file. Somehow this account was resold to Diversified Consultants!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Central Portfolio Control Inc.

Complaint:
Notice to all in fact, pursuant with title 15 of the US constitution I am a consumer. The United States is a Corporation pursuant 28 usc 3002 ( 15 ) and I Am a consumer of this corporation. As a consumer I have never signed a contract or PROMISSORY Note with the company CENTRAL PORTFOLIO CONTROL. I believe them to be a 3rd party debt collector which means they must operate once 15 usc 1692 the Fair Debt Collection Practices Act. I demand to see proof that CENTRAL PORTFOLIO CONTROL is in fact the owner of any alleged debt they may claim I own, I am formally requesting a receipt of. purchase giving them authority to collect this alleged debt. Pursuant 18 usc 8 ANY and ALL bill and certificates of indebtedness are the obligation of the United States the corporation not me the consumer. I also have never given written or oral permission for this item to be furnished on my consumer reports which is a direct violation of 15 usc 1681b. Notice in Fact that I am demanding these alleged debts be removed OR send me check in the mail for {$5000.00} for every minute that its been on my consumer report

Company response to consumer: Closed with explanation