hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-05-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/XXXX, an individual or individuals used my identity -- at least my name, maybe more, but not my SSN -- to apply for a line of credit with XXXX, which is my mobile carrier. On XX/XX/XXXX, I discovered that this resulted in a hard inquiry being made on XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXX 's fraud department and informed them of this. I was told that it would be investigated. I also filed a police report. 

On XX/XX/XXXX, I filed an online dispute with XXXX. I filed, with great difficulty, a dispute by phone with XXXX. I attempted to file a dispute by phone with TransUnion, but was told that I needed to contact XXXX to get a letter stating that the charge was fraudulent. 

On XX/XX/XXXX, I called XXXX to follow up with my XXXX inquiry. I spoke with a supervisor in the fraud department. XXXX had no records of my XX/XX/XXXX inquiry, and it was clear that nothing had been done. The supervisor told me that she saw a hard inquiry from XX/XX/XXXX with my name but not my SSN. She told me that she could only provide a letter if it was my SSN. I reiterated that the inquiry was fraudulent, therefore nor my SSN, yet it still appeared on all three of my credit reports. She/XXXX refused to look into the matter any further or take any action to have the inquiry removed. 

Not only am I the victim of an identity theft, but I also feel that XXXX and/or the credit bureaus are not following the law. First, XXXX initiated a hard inquiry into my credit with a fake SSN or an SSN belonging to someone else. This inquiry should not have been possible, as they should not have been able to verify my identity since it was being used by someone else with someone else 's SSN. Second, XXXX refusing to provide a letter to the credit reporting agencies continues the perpetration of this fraud. Third, shouldn't the credit reporting agencies have some agency in this? 

I was the victim of a crime. I have followed all of the recommended steps. The police have refused to investigate, and the companies involved have refused to cooperate. I have no faith that anyone will ever be held accountable, but I don't think it's too much to ask that I not suffer the consequences of a lower credit score, higher interest rates, and less financial stability resulting from me being the victim of a crime.

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 2018-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.

Complaint:
There was a negative report filled on my credit report. The debt was paid in full to XXXX who notified the collection agency AFNI, Inc. The supervisor from XXXX and I were on a conference call with AFNI collections when it was said since the bill was paid in full that they would delete it from my credit report. But as of today it is still there. I was told by another representative today that it could not be done that it would stay on there for seven ( 7 ) years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am writing to file a formal complaint regarding unauthorized inquiries that have appeared on my transunion credit report. I have recently discovered these inquiries, and after thorough investigation, I can confirm that I did not authorize any of the entities involved to access my credit information. 

I believe this issue is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only entities with a permissible purpose, such as creditors and lenders with whom I have an existing business relationship, are allowed to access my credit report. Unauthorized inquiries not only infringe upon my privacy but also have the potential to negatively impact my creditworthiness. 

Enclosed with this letter, you will find copies of my credit report indicating the unauthorized inquiries, as well as any supporting documentation I have collected during my investigation. I have also attached a list of the entities responsible for these inquiries, along with their contact information. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter and takes appropriate action to rectify the situation. Specifically, I request the following : A detailed investigation into each unauthorized inquiry, including verification of their legitimacy and purpose. 
If it is determined that these inquiries were indeed unauthorized, I request their immediate removal from my credit report. 
A written response from the Consumer Financial Protection Bureau with the findings of the investigation and any steps taken to address this matter. 
I appreciate your prompt attention to this complaint and trust that the Consumer Financial Protection Bureau will take the necessary actions to safeguard consumer rights and ensure the accuracy of credit reporting. 

Thank you for your assistance in this matter.

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 2020-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.

Complaint:
In XX/XX/XXXX, I disputed a credit card account that I had not opened, applied for, nor had I ever used with XXXX  XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX acknowledging this dispute was fraudulent and that they had submitted a request that the tradeline be removed from my credit report and to allow 60 days for that to take place. On XX/XX/XXXX, I disputed the XXXX  XXXX account that True Accord had notified me about ( True Accord is contracted for XXXX XXXX ). I sent in the letter to True Accord for verification that this account should not be in XXXX XXXX 's possession and I am not liable for it. On XX/XX/XXXX I received another notification from XXXX XXXX attempting to collect the debt. I responded requesting a cease and desist and that I had already consulted an attorney and was prepared for Litigation if collection didn't cease and the account was removed from my credit report with all 3 bureaus. On XX/XX/XXXX, I received confirmation that collection activity had been halted and XXXX XXXX would investigate. Apparently, this debt has now been sold to Resurgent Capital Services whom I started the whole dispute process over with. Beginning of XXXX, I spoke with a representative who told me to fax in the letter. On XX/XX/XXXX I called Resurgent to obtain the fax number again. At this time, XXXX told me that not only did I have to send in the letter, but I also needed to complete the Fraud/Identity Theft Affidavit and have it notarized and send it back in. I asked XXXX if I did all of that, is it possible that the findings would be different from the Original Creditor? She stated she could not advise, but that my account will only be investigated once I complete that affidavit and there was no way around it. I asked for the account to be recalled to the Original Creditor and XXXX informed me that it could not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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 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.

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 2022-02-20
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:
The misinformation, inaccurate data and false accounts reporting on my Equifax consumer file is blatant neglect on this CRA 's part. Their lack of transparency with their investigation and willingness to furnish false information instead of maintaining maximum accuracy as outlined in the FCRA is ridiculous. 

Since XX/XX/2021, I have sent certified mail and documented my process concerning the inaccuracy of my consumer report. There is erroneous information reporting on my credit such as XXXX XXXX XXXX and XXXX XXXX in the sums of {$1700.00} and {$230.00} that have not been verified, the lack of sufficient proof has been polarizing in terms of receiving no further documentation of their findings like I requested. Equifax has not been concerned in assuring the validity of these debts and the claim that I owe them. They're also not in compliance of federal and state laws as I was given no notice before they reported to bureaus, upon disputing they have came back " verified '' without showing permissible purpose to attempt too collect these debts and have had complete disregard for FDCPA laws. 

After reaching out to Equifax for months concerning these accounts and the companies helping them furnish fallacies I sent correspondence letting them know my next steps and have yet to receive a document of what I originally have been asking for concerning the questionable information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
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: EQUIFAX, INC.

Complaint:
There are currently numerous accounts listed on my credit report that I have no knowledge of. These accounts were not authorized or initiated by me and was a result of error, fraud or malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-09-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA

Complaint:
I have been working with National Collegiate Trust 's collection agency XXXX XXXX XXXX, and through my bankruptcy XXXX and XXXX agreed to a new agreement of terms through which to repay the student loan. My lawyer XXXX XXXX, and XXXX and XXXX lawyer XXXX XXXX XXXX, agreed to the new conditions. to pay XXXX dollars, with a 0 % interest rate. It was submitted to the court. However, after I had agreed to the terms of the repayment and everything was finalized it was never turned over to the XXXX who handles the loan. I just filed a complaint and XXXX has no clue about what is going on. XXXX needs to honor the agreement that they made with the new loan agreements with XXXX XXXX. We worked out this agreement since XXXX of this year. This led to me doing forberances on the loan currently and now it has been gaining balances because the interest keeps compounding and it has n't been changed over to the new agreement. 

XXXX understandably has no clue about what is happening. I have contacted them and they say that I am still in bankruptcy status but that is incorrect. 

XXXX has never answered the complaint or contacted me. 

XXXX has disappeared and seems to not be honoring the agreement. 

I can not afford to pay this loan. The interest is too high, I filed a bankruptcy and they were summoned to court and they are the only lender that has not changed the terms and conditions of my loan agreements. 

My income can not support these payments. 

I have filed multiple complaints and I need XXXXXXXX and XXXX to respond NOT XXXX They have no clue what is going on because they are not aware of the negotiations between my lawyer and theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC

Complaint:
I received a letter from ERC that they wanted to settle my debt. I called them with a financial  Counselor on the line with me. The Manager   XXXX  told us if I paid the {$140.00} of the {$290.00} owed that I would receive a letter stating I 'm was settled with a  XXXX  balance. I requested to have this letter of intent ahead of time but  XXXX  said he could not but that the call was being monitored and he could not lie. I said I know companies sa y one t hing and change later. He said no he could not do that he gave me his number and Extention. I was told to have faith in people! I made the payment same day Thur  XXXX . It posted next day. I was told to call Monday  XXXX  for my letter. I called  XXXX  for my letter. I was told my letter woul not say a  XXXX  balance. I told them everything the Man.  XXXX  told me and They told me i was n't making any sense. They refused to listen to the recording. The letter that was sent specially says this debt was not paid in full. Instead of the  XXXX  balance I was told it would.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. This a violation of my rights. In accordance with the Fair Credit Reporting act XXXX  Account # 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
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: SYNCHRONY FINANCIAL

Complaint:
Synchrony Financial Bank is dealing with XXXX  internally that is preventing me from working with them properly, from them receiving my credit reporting properly, and from them reporting my credit properly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.

Complaint:
I lived with a foster parent years and I pulled up my credit report. I found out that she is using my name and information without my consent. I have n't lived that former foster parent since     XXXX   So she should n't be using my information. I also saw some things on my report that was n't from me and it shows my name being used in ways that I do n't spell my name.

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 2023-04-22
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$70.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$21.00}, XXXX XXXX XXXX XXXX Balance : {$12.00}, XXXX XXXX XXXX XXXX Balance : {$10.00}, XXXX XXXX XXXX  XXXX Balance : {$8100.00}, XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : -

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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2022-04-04
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 am filing his complaint because the bureaus have refused to remove the disputed accounts from my account and they have been very stern despite my numerous attempts to contact them to have the negative accounts dispute. I am seeking your help regarding this and I would appreicate it if can talk it out with them to remove the Bankruptcies and under negative accounts that are wrongly placed in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc.

Complaint:
In XX/XX/XXXX, we closed our XXXX account via phone from XXXX and made our final payment. I even asked for documents confirming that the account was closed, which I cant recall if we received. Now a debt is appearing XX/XX/XXXX for that account that was closed 2 years prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
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:
Hello, I've looked at my credit report earlier this morning and saw a few fruadelent accounts on it. Ive contacted the creditors and they inform me to reach out to the credit bureau which i did. They advised me to get a ftc report and i have attached that. I am requesting that these accounts be removed from my credit report. These accounts are not related to any transactions done by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
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: Experian Information Solutions Inc.

Complaint:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation