hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-03-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated

Complaint:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$570.00} XXXX This should be deleted is because its not accurate. The DLA is an acronym for Date of Last Activity which translates to the last date you made a payment. ( you never did ) Under the Fair Credit Reporting Act everything on your credit report has to be accurate. Businesses are not permitted to publish full credit card numbers on receipts. The law also allows you to protect your Social Security number by having it truncated on your credit report. I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. This information may be included in a billing statement or a notice of default. I was never notified of this collection. 
Unknow debt. I have the right to sue and seek damages in a state or federal court from anyone, such as a consumer reporting agency or a user of consumer reports, who violates the Fair Credit Reporting Act. 
Credit ratings reflect a relative ranking of credit risk and play a critical role in the marketplace. The ratings have a dramatic effect on the perceived value. Unfortunately, there were some conflict of interest situations involving credit rating agencies and certain investments that led to significant mismanagement of risks during the economic meltdown in XXXX. The third most well-known part of the FCRA is the Fair and Accurate Credit Transactions Act. The Dodd-Frank Wall Street Reform  and Consumer Protection Act ( DFA ) was passed in XXXX to stop major financial institutions and creditors from continuing unfair practices. 
The act is intended to prevent a major recession like the XXXX started in XXXX. Also a XXXX violation to sell any medical information without my consent and signature or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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 several fraudulent Inquiries on my credit report that Transunion is Reporting, I've contacted Transunion and these creditors and they still have yet to be removed. I have no recollection of giving these companies access to retrieve my credit report. These inquires are from the following companies. 

XXXX 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 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK

Complaint:
On XX/XX/2021, Discover offered me a promotion - " Youll get a {$45.00} statement credit when you activate this offer and sign up for a new {$45.00} XXXX XXXX XXXX membership online or in club with your Discover Card by XX/XX/2021 ''. Here are the terms from the email " Offer valid when you purchase a new {$45.00} XXXX XXXX membership. Offer good when you join online or in-club as a new Club member. New member can not have been a member within the last six months. Offer may not be combined with any other XXXX XXXX offer or promotion. By accepting this offer, you authorize annual recurring charges to any card on file for your XXXX XXXX membership fee ( s ) plus any applicable taxes at then-current rate every year until you cancel. Visit XXXX or a club or call XXXX for full terms or to cancel autorenewal. Offer excludes Plus membership, membership renewal, membership upgrades, add-ons, additional memberships, pre-paid membership or XXXX XXXX Gift of Membership. Only memberships bought in the United States are eligible for this promotion. Only one statement credit per new primary member. XXXX and XXXX XXXX associates are not eligible for this offer. Must be 18 or older to purchase a membership, and membership is subject to qualifications. Offer eligible only if activated via the link in this email or site when you use your Discover card to purchase a {$45.00} XXXX XXXX membership now through XX/XX/2021. Offer fulfilled as a statement credit within XXXX billing cycles after the end of the promotion. '' I made the purchase using my Discover card on XX/XX/2021. Every month, I contacted Discover to ask where my credit was and they said it would take 3 billing cycles from XX/XX/2021. So I contacted them again on XX/XX/2021 and they informed me that some people that applied for this promotion did not qualify, but that they could not provide me with any reason or information for why I did not qualify. Then, I showed them my offer email and asked which condition I did not meet and they told me that I may see the credit by XX/XX/2021, but did not explain why they suddenly changed their mind. How does this make any sense?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
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:
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 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 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 explanation
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: RoundPoint Mortgage Servicing LLC

Complaint:
My name is XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX, Ga XXXX. 
My mortgage was transfered to Roundpoint Mortgage in XXXX of 2019. My XXXX payment that I paid to Roundpoint Mortgage was sent to my previous lender. Roundpoint mortgage then issued me late payments. This caused a trickle effect where as I have unwarranted late payments reflected on my credit report. I then changed banks and set up Autodraft payments. I have enclosed my payments for XX/XX/XXXX in the amount of XXXX. XX/XX/XXXX payment of XXXX. XXXX Payment of 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 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.

Complaint:
I have fraudulent inquiries in my EQUIFAX credit report that Ive previously disputed with the bureau and dispute wasnt resolved in my favor and EQUIFAX verified inquiries to be accurate which is not true. Ive contacted all lenders of which inquiries I dont recognize and I let them know about possibly fraud. XXXX confirmed they will investigate and contact XXXX remove fraudulent inquiries and no action has been taken further. 
XXXX also sent letter confirming inquiries would be removed which I received XX/XX/2022. 
List of fraudulent inquiries : 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 I would like CFPB to help me resolve this issue and restore all damages done to my credit by fraudulent inquiries which I never authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.

Complaint:
Since XX/XX/2020 I have submitted disputes with XXXX, XXXX, and XXXX  after a review of my credit reports revealed that 12 late payments were being reported on my credit reports under a Navient student loan account during a time in which the account was in forbearance. The results of those disputes was that " Navient verified that the information was being reported correctly ''. This simply isn't true. How can payments be late when the account was in forbearance? This is killing my score and preventing me from purchasing a home by keeping my score in fair range when it should be in very good range.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
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:
There is a fraudulent name on my credit file : XXXX XXXX XXXX. There is also a fraudulent address : XXXX XXXX XXXX XXXX  ny XXXX. My name is XXXX XXXX XXXX and my current physical address is XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  ohio XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.

Complaint:
I obtained my XXXX XXXXXXXX XXXX XXXX credit report. There was a U.S. Bankruptcy court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) If a credit reporting agency can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Court has mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U.S. Bankruptcy Courts confirmed XXXX XXXX has never validated or verified this public record entry on my credit report, neither will they ever be by them They further stated while they are NOT liable or responsible for any MIUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrect. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

Per the FEDERAL CREDIT REPORTING ACT, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the ORIGNAL signed consumer contract and/or judgment ( s )- all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

I have included my last letter sent to the credit agencies demanding this false inaccurate information be deleted from my consumer credit report and I have yet to hear back from them. I am herby asking that this be handled immedicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My loan was transferred from XXXX to XXXX in XX/XX/2019. XXXX immediately reported to the agencies my loan as closed/transferred XX/XX/2019. 

Currently XXXX is reporting to XXXX, but has not reported to Transunion. I have called XXXX 6-7 times, they tell me that credit reporting issues must be sent via email. I have sent 4 emails to XXXX, they have not responded once. CUstomer service is terrible. 

I have called Transunion multiple times to ensure the issue isnt on their end, they confirmed nothing is coming in from XXXX. 

My credit score is now negatively impacted and causing issues.

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 2022-09-20
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:
Hi I am submitting this XXXX XXXX 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 XXXX has me at a score around XXXX. 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 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 2019-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE

Complaint:
Greetings, On XX/XX/XXXX XXXX XXXX XXXX XXXX ( vendor ) charged my Barclays XXXX  credit card {$1800.00} by mistake. On XX/XX/XXXX XXXX XXXX XXXX refunded the {$1800.00} and sent me the receipt. 
10 business days later Barclays my credit card company will not take the charge off my statement. I have Called customer service several times and faxed the refund receipt to Barclays. The customer service rep on the phone even acknowledged that Barclays has received the refund from the merchant but still will not remove the charge from my statement. Thus I have put the charge into dispute a week ago. 
Case # XXXX card ending in # XXXX I would Appreciate any help on the matter. 
Barclays credit card customer service 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 monetary relief
Consumer complaint received 2019-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-12-18
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: Tromberg, Morris & Poulin, PLLC

Complaint:
This account was settled in full on XX/XX/2021 and I received my discontinuance letter on XX/XX/2021 via email. I have reached out to both the law office and the credit unions to have this account removed from my credit report. They instead reported the account minus the amount I paid but in the letter it clearly states that they can not collect any further. This law office removed my last account when we went to court and I want the same thing done here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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 XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A States 1 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 count with out written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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:
Contacted XXXX XXXX XXXX numerous times concerning open installment loan. Showing on report paid in full on 1st auto ; FINANCED 2nd auto the same day. CFPB won a XXXX XXXX civil suit against XXXX XXXX parent company for inaccurate and non reporting. My main issue. Consumer wasn't told. They lied and said software update for 2 years. Disabled IT Technical Represenative need credit to show open installment loan for past 5 years. They refuse to send info too credit bureau. Corporate or local branch. Tried to trade auto for 2 years. NO OPEN INSTALLMENT LOAN MAIN DENIAL. PLEASE HELP THANK YOU P.S. NO HELP DURING COVID ; KNOWING PRIOR ISSUE WITH NON REPORTING HINDRANCE TO MY CREDIT. THREATENING TO CHARGE OFF {$2100.00} AFTER I'VE PAID {$12000.00} AND PAID IN FULL FIRST VEHICLE THAT ENGINE DROPPED OUT OF AND I CONTINUED TO MAKE PAYMENTS UNTIL I FINANCED 2ND AUTO WITH THEM. LETTER SENT TO ME OF HOW GREAT OF A CUSTOMER I WAS. REALLY?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.

Complaint:
I visited my local Chase Bank to add my son as beneficiary to my account. The bank employee made a mistake an entered my social security incorrectly to the document. A few days after my visit, I received an email from Chase Bank that my social security number had changed. I worried it was a scam, so I sent a secure message to the bank. They acknowledged sending the email and told me to call XXXX number. I called and could not access account using last 4 digits of my social security number. This occurred on XXXX. Since then I have requested help from them. I received a letter a few days ago asking I complete a XXXX and another form requesting Social Security verify my number. I don't understand why they are asking for completion of these documents. They entered my social security wrong on the document prepared by their employee. Why can't they re-enter the correct social security number?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
These consumer reporting bureaus have continued to defame my character since I have never given written authorization to share any of my personal information including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only my character, by causing humiliation, stress and health issues. Please investigate and delete it to my credit report. No record of this BANKRUPTCY is to be added back ever again. I request to removed within the next 5 business days and send me an updated consumer report after deleting said BANKRUPTCY.

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 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
I have reached out to credit bureaus to remove inaccurate information from my credit file, and it was not done with in a 30-day time frame

Company response to consumer: Closed with explanation