hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-01-21
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:
XXXX is a " for profit '' Holding company that does not disclose, they portray to Credit Bureaus, that in fact their subsidiary XXXX XXXX is a collection agency ( and has never stated that we are working with XXXX XXXX  ... their actual and sole collection branch ). Never has an agency ( XXXX ) on the phone or in writing explained that they are a collection agency. The following is the dispute letter I sent to all three major Credit Reporting Agencies ( XX/XX/XXXX ) : XXXX, XXXX, Experian ) Dispute 1 Unfair Business Practices : reported as in collections Source of dispute information : XXXX obtained our balance from XXXX XXXX XXXX. and immediately reported this as in collections without our knowledge of this action. We were not told or informed that we needed to pay the full balance or that we even owed XXXX. Failure to make full disclosure is unfair business practices, and bad faith. We began negotiations through an agent ( XXXX XXXX ) and after months of their ( XXXX XXXX  ) inaction we agreed to  payment and have made current payments. XXXX agreement to the monies we pay monthly are in direct conflict with the agreed upon payment plan - as they report us as " in collections ''. How can they report us as in collections, when they in fact made the recommendation for the payment plan and have agreed to said plan ... and never once have they said they are a collections agency? 
Type of disputed information : Access to the credit bureaus by XXXX while willfully reporting us as in compliance to our agreement to said payments and portraying to the credit bureaus we are in collections ( never to us ) is bad faith. XXXX is unfairly reporting us when in fact we are making the agreed upon payments and payment plan. 

This practice to not have a systematic program to notify consumers that they are a collections agency is another instance for bad business practices. 

They have been sited in the past by the ED-OIG in XXXX for not having solid ( Final Report XXXX ) process or procedures. Page 6 of that report calls out for XXXX to ( Recommendations 1.2 ) " Develop procedures to ensure ... for allowable ... activities. '' This shows and identifies they continue poor business practices and is indicative of a culture whereby the interest to be fair and impartial to/with consumers is concerning and bad faith.

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 2022-11-09
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: Foursight Holding LLC

Complaint:
I have no knowledge of the accounts listed below. The accounts were place on my credit report that seems to be fraud activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attempted to dispute they would not removed the fraud inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX knowledge of account XXXX foursight capital XXXX -this inquiry is on my credit report twice and is fraud XXXX XXXX XXXX XXXX XXXX XXXX fraud I have no knowledge of account XXXX XXXX XXXX XXXX fraud account is on credit report twice XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX  fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXXXXXX fraud account XXXX XXXX XXXX XXXX XXXX XXXX fraud account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX fraud account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
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: PCS Receivables Corp.

Complaint:
As soon as it appeared on my account. They company agreed to take the reporting off my credit since I showed proof of being a victim of identity theft. But keep placing back on my account using an different creditor.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-09
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:
XXXX   XXXX  2017    faxed letter to  XXXX  requesting removal of bankruptcy and tax lien on credit file as I was not aware of the source of their information on the bankruptcy and judgement. I received a response dated  XXXX    XXXX  ,2017 that  XXXX   XXXX  reported the information as discharged and that  Case number /   XXXX   XXXX   XXXX   XXXX   XXXX   is currently not reporting on the   XXXX   credit file in which I do not have knowledge of what that case is.   On  XXXX   XXXX ,   2017   I sent a reinvestigation request with a letter from Michig an Federal Court stating they do not supply information or validate inform ation with the credit bureau 's.   XXXX   replied with the same information stating that  XXXX   XXXX  has verified the information with the courts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint:
Regarding complaint number XXXX. 
Experian has not corrected the incorrect information on my credit report. Even though I have sent a copy of my driver license, social security card and utility bill for my correct address. I am sending another notice to Experian dated XXXX XXXX XXXX. It reflects my correct name, address and social security number. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. Fair Credit Reporting Act 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Currently on my report my name is misspelled, and my address is incorrect. I have two social security numbers listed.

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 2022-11-16
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 am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report. 
XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO 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 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/2021, I wrote to the credit bureaus ( XXXX XXXX, Transunion ) requesting an investigation into items that I believed were inaccurate and unverifiable. I am in disagreement with the items shown on my credit report, and I requested that these items be re-investigated. 

Since this is my third request, I will also be sending a copy of this letter ( attached below ) to the Consumer Financial Protection Bureau notifying them that I have signed receipts for letters sent to you and you have not complied with my request. According to 15 U.S.C. Sec. 1681i ( a ), you are supposed to complete this investigation within 30 days of receipt of this letter. 

On XX/XX/2021, I once again wrote to the credit bureaus ( XXXX XXXX, Transunion ) requesting they reinvestigate my disputes since I have not heard from them and it has been well over 30 days. I understand that they are required to notify me of their investigation results within 30 days and provide me with an updated copy of my credit report. As of XX/XX/2021, I have not received and update regarding my disputes nor an updated copy of my credit report. 

The credit bureaus are clearly in violation of 15 USC 1681i ( a ) as well as 15 USC 1681i ( 5 ).

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 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 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. XXXX XXXX {$800.00}

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 2023-05-26
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:
XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$0.00} {$0.00} {$600.00} Credit Limit : {$0.00} {$600.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

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 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is the second time I have informed the CFPB and the 3 major reporting agencies of the illegal activity regarding my consumer report. I have had no communication nor contact in regards to using my personal identifying information and I have not been given any remedy. This is my last attempt to do so before I file suit against all parties involved for failure to follow the guidelines of the FCRA. I have attached another letter for review of the accounts and inquirers in question.

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 2019-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.

Complaint:
Navient applied a deferment to my XX/XX/XXXX loans without my consent and now refuses to remove it. They are XXXX me out of qualifying payments towards Public Service Loan Forgiveness. Have tried multiple times to get them to understand my situation and have requested they put all my loans back into repayment. Their representatives give false and inaccurate information. I graduated in XX/XX/2018 and should have my graduate loans in repayment status.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE

Complaint:
I have sent a certified letter to Barclay Bank Delaware asking them to provide my documents bearing my signature of opening an account with them which they have not provided or responded.

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 2022-11-10
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.

Complaint:
I just received my reinvestigation back from Equifax, they have stated that everything is 100 % complete and accurate. I would like to receive the description according to the 15 USC 1681i ( 7 ) The accounts listed below are not accurate. The open date and last payment date, and last date active, are not 100 % accurate.

They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ) 1. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.

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 2023-06-16
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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit 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 non-monetary relief
Consumer complaint received 2018-10-19
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 the previous Complaint number : XXXX - I sent to Experian I said the following : " Please reach out to the credit bureaus as well as XXXX XXXX to remove 4 people from receiving offers at my address. These 4 below people DO NOT live at my address and are not associated with me or any of my family members in any way. Please remove from getting unsolicited offers from these people specifically for any bank as well as XXXX XXXX. I received 4 pre-qualified offers in the mail for these 4 below people. We do not want to receive these again, please. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' I did never say in any way that I wanted myself to be removed from pre-screened offers ... I said I do not want to receive pre-screened offers for those 4 people specifically. So now theres a separate issue. I myself, XXXX XXXX want to receive pre-screened offers. But i do not want to continue to receive those 4 people information to our address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA

Complaint:
I am writing this formal complaint as I have asked FedLoan Servicing to review my case to include past payments made under the income based repayment plan. I made several payments listed in the attachment to my lender from XXXX XXXX. None of my payments are being counted toward my loan forgiveness even though I had the same employer under which 4 payments with the lender XXXX XXXX are being counted toward my forgiveness. After XXXX XXXX, my loans were sent to FedLoan Servicing. I submitted the payments from XXXX for review 4 times and though I was making payments under the income based repayment at my qualifying institution, they refuse to count them. They specifically asked me to show proof of the payments by downloading the payments from the website at XXXX and submitting them to FedLoan Servicing. I have done this several times. I would like to submit a complaint of dishonestly and fraudulent claims by FedLoan Servicing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2023-07-25
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$33000.00} XX/XX/22 I DO NOT HAVE SS # XXXX 15 U.S.C , 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief