hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-10-08
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:
This is NOT a Duplicate Report and this is NOT filed by a 3rd Party or Credit Repair company. The accounts below have violated my rights In accordance with the Fair Credit Reporting Act XXXX. I have all rights to privacy and I didn't give written consent to furnish these accounts on my credit report. 

Account XXXX : XXXX. Account XXXX : XXXX XXXX. 
Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX NA Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX XXXX. Account XXXX : XXXX XXXX. 
Account # XXXX 15 U.S.C 1681 Section 602 A. states that I have a 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 consent.

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 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-06-14
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: Experian Information Solutions Inc.

Complaint:
I have paid for credit monitoring services with Experian for almost 2 years. During that time they have failed to correct vast and defaming inaccuracies on my credit report by deleting those accounts. Further, I have paid extra to have my credit score refreshed and provided with option to freeze my credit report. I have noticed within the last 60 days for some the freeze has not completely worked because there are inquiries on my credit report. Delete the following immediately : XXXXXXXX XXXX XXXXXXXX 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 2021-02-16
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: JPMORGAN CHASE & CO.

Complaint:
On my reports there is a closed account with huge amount of missed payments. JPMCB CARD XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB CARD has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
back in may I experienced financial difficulties due to covid 19. I reached out to Capital one and they deferred two payments and told me I would not have to pay again until XXXX. But ever since XXXX i have received threatening calls, emails and when I look online it says my payment is missed etc. I was told and it is documented that late fees would be removed there would not be a past due or due amount for XXXX, XXXX, and that I would have a minimum due again in XXXX. But the website says something different. I reached out to customer support and they were not of any help. I don't need this to reflect or impact me negatively.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-01
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
According to the law 15 US Code 1681 a FCRA All 3 Credit Agencies TransUnion and XXXX and XXXX have a Bancruptcy on my Personal Credit. So I wrote to the court of Bancruptcy and ask them do you report Bancruptcy and they wrote me back and said they dont. So I need this deleted off my credit please and Thank you

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 2021-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.

Complaint:
I opened my account then a deposited a few checks. 

The bank claims they weren't able to verify the checks. So they closed the account after a few months I finally managed to contact them. And they told me I have to go in to a branch with the person that gave me the checks. I went in and they confirmed everything. But then I only got 1 checks from the bank with half the amount I was supposed to get .... after a few weeks Waiting I called the bank again then they told me I have to go in again and verify again .... which doesn't make sense.. but unfortunately now due to the circumstances I can't go in to the bank. So the bank has to either send me my money or send it back to the original person that gave me the check. They have no right on holding my money for so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE

Complaint:
I incurred repeated late fees for {$3.00} charge. First bill was {$7.00} in late fees, next was {$17.00} in late fees. Total balance was less than {$34.00}. They never called me to inform me my payments were late, they never sent any correspondence via US Mail or email. The only way I found out was through credit reporting agencies. 

I promptly made the payment, but now my credit score is down 50 points.

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 2021-07-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.

Complaint:
On XX/XX/XXXX my ex-spouse was awarded my vehicle which was a XXXX XXXX XXXX in our divorce. As of this date I was no longer responsible for this vehicle. I have sent copies of this decree to the creditor numerous times but they refuse to remove my name and information for this debt. I have been trying to remove this item off of my credit report so i can purchase a new home for my children and myself but they have refused to remove this even though they have proof it is not my debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report. The information reported is inaccurate and does not reflect the actual status of these accounts. I request that you investigate and remove these items from my credit report as soon as possible. 

1. XXXX XXXX late payment account : I have never been late on a payment to this creditor. 

2. XXXX XXXX collection account : I have no knowledge of this account and do not owe any debt to this creditor. 

3. XXXX XXXX charge off account : This account has been paid in full and should not be reported as a charge off. 

4. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account : This account was settled and paid in full, and should not be reported as a collection account. 

5. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account : This account was also settled and paid in full, and should not be reported as a collection account. 

6. XXXX XXXX XXXX collection account : This account was settled and paid in full, and should not be reported as a collection account. 

7. XXXX XXXX XXXX XXXX charge off account : This account has been paid in full and should not be reported as a charge off. 

8. XXXX XXXX XXXX charge off account and 9. XXXX XXXX XXXX charge off account : These accounts have been included in my bankruptcy and should be reported as such. 

9. XXXX XXXX XXXX charge off account : This account has been included in my bankruptcy and should be reported as such. 

10. XXXX XXXX XXXX XXXX XXXX XXXX collection account : This account has been included in my bankruptcy and should be reported as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
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:
This would be my 2nd complaint about XXXX XXXX. The company responded on XX/XX/2021 through the CFPB in response to my initial complaint dated XX/XX/2021. The company keeps sending me over the same documents nothing bearing my wet ink signature. I have sent in affidavits of truths and affidavits of fact that have yet to be rebutted. I know that an affidavit must be rebutted by another affidavit. If it is not rebutted then the initial affidavit stands as true and factual. I have asked that the XXXX XXXX stop furnishing my information to the consumer reporting agencies without my consent. They have ignored my request. ( 1 ) XXXX XXXX has failed to provide me with any written documentation or proof in your initial communication which I received as to who purchased any alleged student loans under any guarantee agreement bearing my name and personal identifying information. ( 2 ) Proof of the entire chain of custody of each promissory note you claim that the entity you are collecting for was required to purchase, including but not limited to, copies of the guarantee agreement for each of the alleged loans contained within your initial communication to me ; ( 3 ) Please send me a full accounting of ALL sums due that have been applied to this alleged loan balance, including alleged default insurance payments, credit default swap payments and any other insurance that was purchased to cover the entirety of the loan should an alleged default occur, including correspondence showing the payout dates of these alleged policies ; ( 4 ) If this loan was securitized, along with other student loans, please provide me with the name of the trust and location of its trustee, including its full contact information and telephone numbers ; ( 5 ) Please provide me with the complete name and address of the original lender and/or creditor and all correspondence you have in your possession related to these alleged loans. ( 6 ) Please provide me with the exact location of my purported loan documents, signed by me, including a direct phone number ; and ( 7 ) Please provide me with copies of all correspondence between your agency and the U. S. Department of Education, including all loan documents, and any documents you have in your possession, bearing my legitimate signature, that proves you have the right to collect this alleged debt, including any agreements signed between you and the alleged creditor you claim to be representing in your initial communication to me. Lastly, please send me your rebutted affidavit if you do not agree with my claims and testimony.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
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:
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX On behalf XXXX XXXX XXXX XXXX for Insurance underwriting On behalf XXXX XXXX XXXX XXXX XXXX for Insurance underwriting XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX ) XXXX in accordance with the Fair Credit Reporting act all these companies 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 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 2020-08-17
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: ENOVA INTERNATIONAL, INC.

Complaint:
I explain to this company i had not inquired bout an application and this an unauthorized inquiry and i file a FTC theft number # XXXX but they failed to assit me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
i have unauthorized inquiries that need to be removed I didn't do this

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 2022-12-19
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: EQUIFAX, INC.

Complaint:
I sent a letter asking XXXX, XXXX, Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
According to the 15 USC181i- XXXX XXXX Equifax have 30 days to investigate and send me the results. And they also didn't record the current status of the disputed information which is another violation. I have all the evidence attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
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: AES/PHEAA

Complaint:
So as soon as I XXXX college, I was put into a loan forgiveness program with XXXX XXXX XXXX XXXX. I had to pay them a fee to get in and {$35.00} a month. Apparently they were filing my income driven repair for fedloans every year. I had no idea they were filing through Fedloans. The last 3 years they filed, my payment plan was {$0.00}, which is why I didnt have any issues till now. The last year they filed, my payment went from XXXX to {$39.00}. Now I have been paying them {$35.00} a month and they did not notify me that I also had to pay Fedloans {$39.00}. I didnt even have access to my Fedloans account till my credit score dropped {$200.00} points and I XXXX  Fedloans and had to recover my account. If I knew they were just filing with Fedloans, I would have done it my self and used the money I was paying them to pay my student loans. I called fedloans and they told me that I was never in a forgiveness program and that I was being scammed. An employee helped me get out of the scam and had me report the third party company. I was never trying to get out of paying my student loans. I was just a woman that got taken advantage of right after college. Now, during this pandemic, I have lost my job and forced to move out of my home in XXXX. I have made a payment of {$39.00} to show good faith and that I will continue making any payments necessary to get this corrected. I will attach all the payments I have been making that third party company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I recently sent a dispute letter to XXXX  and XXXX XXXXn XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either of the three Bureaus. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2020-01-21
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:
My complaint is with XXXX and Experian Credit Bureaus.I have verifiable proof from the agency ( Attorney General Texas Child Support Account number # XXXX ) reporting info. And it is opposite of what XXXX  is reporting. XXXX  is Reporting my account over 180 days late as is Experian. XXXX   says they verified it, but there is no way. the same is true of Experian. I have submitted documented proof admissible in a court of law showing all my payments have been up to date. They must correct this info or delete the derogatory info. It has hurt my ability to obtain credit. I have filed complaint with XXXX  3 times online always getting answer verified. And 2 times written to XXXX  with the same answer. This is false info. I have submitted all documents proving my case. Please help me as this info they are reporting for Attorney General Child Support account # XXXX is totally false. I am attaching all documents for you to see. I have asked over in over to correct it or delete it from my reports.

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 2023-08-22
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: SYNCHRONY FINANCIAL

Complaint:
Synchrony sent me an offer for a Mastercard with {$100.00} cash back offer if {$1000.00} was spent in first 3 months. I applied for card. 
In XX/XX/, I received card ( which was attached to document reiterating said {$100.00} offer ) and fulfilled Credit card offer of {$100.00} cash back when I spent required {$1000.00} by XXXX, but have not received the {$100.00}. Have called Synchrony Mastercard numerous (! ) times beginning last XXXX. Am told either that 1 - I am eligible, but it will take 2-3 more billing cycles to receive the cash back offer, or 2 - no such offer ever existed, or 3 - that offer existed but I am not eligible for said offer, or 4 - that there is no notation in my file about said offer, or 5 - that I must mail proof that this offer ever existed and proof that I am eligible. If the last one, I was told it will take at least 1-2 billing cycles for them to review and then IF they decide I am right, it will take an additional 2-3 months to get the {$100.00}. 

If I get any response, it is a request for additional information ( which they already have ).

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