hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-06-20
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 Reporting act XXXX  Account XXXX XXXX # XXXX has Violated my rights 15 U.S.C 1681 section 602 A states I have right to privacy. 15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not Furnish account without my written instructions.

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 2021-12-13
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2019-10-15
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliance Collection Agencies, Inc.

Complaint:
1. They kept calling, leaving messages without identifying who they were and why they were calling. 2 They contacted people outside my home. 3. They threaten to take other actions if I didnt call back. 4. I returned the call and got the name of the company and realized it was a collection agency, Alliance collection Agencies in WI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
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:
These companies have improperly add information to my consumer report according to 15 USC 1681- ( 2 ) ( A ) ( i ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s-3 of this title, Any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a violation of the FCRA to report " Late payments '' as that is a transaction.

( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is the second time in as many weeks that I can NOT get access to my credit report, I haven't done anything wrong but to try to access my credit report - FILE NUMBER - XXXX, I need access to my credit report so I can continue to monitor it!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Collection Systems, Inc.

Complaint:
I have disputed this entry for National Credit Management several times. I have repeatedly asked them to send me a copy of the signed, exclusive contract between National Credit Management and myself for repayment. The only response I've received from them is documentation I've had with my school. They refuse to send me a contract stating conditions for repayment between me, XXXX XXXX and them, National Credit Management. I've sent correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
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:
there is XXXX  XXXX opened on my name which is fraudulent and it is not mine. i tried to dispute the item several time but they keep verify the account. i informed the XXXX but nothing has been changed. during 2018 I had XXXX XXXX on my XXXX which i had to go back home for XXXX. the XXXX XXXX XXXX  and XXXX bank promised to keep my account current during my treatment which i was out of job. i still paid an amount they said to keep my account current but they still reported miss payment. the XXXX XXXX XXXX also took my car during that time and did not stand on their promise. i disputed with explenation but the status never changed since i came back to united states. these reports happen during 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2023-06-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2021-08-11
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 noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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:
My personal information on all credit bureau agencies are inaccurate. This includes my name, my address, phone contact, and background. I have been denied for falsified information on my report. Overall, I am still receiving these results of misinterpreted of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
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 grandmother added me to her credit card. The card reports to XXXX  and XXXX, but not to TransUnion. Can this be corrected?

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 2022-10-23
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: EdFinancial Services

Complaint:
THIS INFORMATION IS NOT SUPPOSED TO BE ON MY CREDIT REPORT, THERE ARE MULTIPLE CLOSED ACCOUNTS THAT SAY THEY ARE REFINANCED  ALTHOUGH THEY ARE IN GOOD STANDING THIS NEEDS TO BE REMOVED THERE ARE ALMOST 20 SHOWING THE SAME. 


es 30/60/90 days late ( Last 7 years ) XXXX Additional Information XXXX XXXX XXXX XXXX XXXX Account closed due to refinance Creditor Name DEPTEDXXXX Creditor Contact XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Is everything looking correct? 
If not, you can report an inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NCB Management Services Inc.

Complaint:
My brother stole my identity to co sign a car for my step daughter. Without my knowledge. 
My brother is a thief and career criminal, please help This complaint is tied in with XXXX XXXX XXXX

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 — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
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:
XXXX XXXX ACCT # XXXX Date Opened : XX/XX/2020 In accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions.

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 2021-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.

Complaint:
Since XX/XX/XXXX I've been charged interest three times. 
My loans are subsidized and unsubsidized Federal Ed. 
I was allergic to this by my credit report that my loan amounts had changed. 
I'mconcerned that if I'm being charged so are other people without their knowledge. 


XX/XX/2020 Capitalized Interest {$0.00} Loan Principal XXXX XXXX - Subsidized {$22.00} Interest- {$22.00} XX/XX/2020 Capitalized Interest {$0.00} XXXX Stafford XXXX Unsubsidized {$18.00} Interest- {$18.00} XX/XX/2020 Capitalized Interest {$0.00} XXXX Stafford Unsubsidized {$430.00} Interest- {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC

Complaint:
Ability Recovery Services re-aged the date of delinquency to XX/XX/XXXX, when the actual date of delinquency was between XXXX. The amount of the re-aged debt shows an amount owed of {$5600.00}. Attempts were made to request documentation for said debt to show the date of delinquency in XXXX of XXXX and in XXXX of XXXX. With a dispute also being filed in XXXX of XXXX, which I am still waiting on notification of outcome. The agency has avoided and evaded all attempts to provide any documentation. The illegal actions committed by said agency have impacted my ability to obtain federal employment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc.

Complaint:
In XXXX, XXXX XXXX XXXX XXXX submitted a collection account for XXXX to my personal credit report. The account was for a Corporation for which I was not liable. Documentation was submitted which removed the collection from my credit report. 

One year later, creditor XXXX XXXX was allowed to submit the same XXXX collection to my personal account, despite the fact that my Experian already knew I was not responsible for the account. 

Experian not only did not reference the previous dispute 's documentation, but did not allow for the documentation to be easily uploaded to the case. Nor was I notified as to why the documentation which proved that I was not liable in the initial collection was no longer viable for the second creditor. I have not been given any information as to why Experian hold me liable for a corporate account despite having evidence to the contrary. I have ample documentation to prove my case but Experian would not allow me to submit it. 

How many times can a creditor add the same collection to my credit report after being successfully disputed. This is harassment.

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 2023-06-27
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in 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 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

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 2021-03-15
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:
I have been in contact with all 3 credit reporting bureaus and asked to provide proof of verification as well as validation for the bankruptcies appearing in my public records. I received letters stating that the information was verified via XXXX XXXX and that I should contact XXXX XXXX. I contacted XXXX XXXX and they found the information to be fraudulent and XXXX XXXX deleted the information. I contacted the credit reporting bureaus and mailed copies of the letter from XXXX XXXX and all three refuse to remove this inaccurate 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 explanation
Consumer complaint received 2020-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.

Complaint:
There are some accounts and a bankruptcy listed on my credit reports that aren't mine. Please remove them.

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 2020-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.

Complaint:
i had sent various letters to the various collections agency first letter i send to went to XXXX XXXX on XX/XX/2020 there was no actions taken i asking them to show some type of validate to verify that this account belong to me didnt get much of anything. next i wrote to LVNV funding in XXXX XXXX around XX/XX/2020 mail was returned business dont have a valid address. Finally i wrote to Resurgent Capital Services i wrote them around XX/XX/2020 they told me not to be sending duplicate request and sending some type of bill statement which is not a legal binder showing that the account is mine showing that the account is mine i asked for verification showing me anything showing with a signature on it Nothing i need this to be deleted from my account it is hinder me on obtained credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
I have an auto loan with XXXX XXXX XXXX which was opened in XX/XX/XXXX. On XX/XX/XXXX I wrote a letter accompanied with bank statements to dispute payments that were reported as missed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX through XXXX of XXXX. All of these payments were set up for recurring payments though XXXX XXXX XXXX when the loan was obtained. All of the payments were made on time. On XX/XX/XXXX at XXXX I called the XXXX XXXX MA location and spoke to XXXX regarding my dispute. She placed me on hold for over 20 minutes, then came back and apologized for the wait and stated that I could not dispute through them. She said I could only dispute through the credit bureaus, they do not handle direct disputes. I informed her that her the FCRA I could dispute directly with the creditor. She then told me that she would have another representative call me back. I never received a call back. On XX/XX/XXXX I received a letter stating that my bank statements were not sufficient evidence that the payments were made. The letter also stated that they could not update their incorrect reporting for 9 months. This has impacted my credit greatly and is affecting my life. This is also a violation of the FCRA and a violation of my rights.. My banking institution, XXXX XXXX XXXX only provides bank statements as proof of payments. I am requesting that the correct their inaccurate reporting for the months in question to paid on time as agreed, along with crediting to auto loan account for the over payments I had to make in XXXX and XXXX of XXXX. I was forced to may more than {$880.00} in order to avoid a repossession and end the harassment I was getting. I ask that the over payment be applied towards the principal of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I just filed a complaint and Im highly unsatisfied. Transunion removed inquiries and placed them back on my file without notifying me and this is against the law. I expect them to be removed. Now since I previously filed my complaint I will not list the inquiries again. They need to do their due diligence and remove them or I will file a complaint with the attorney general

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