hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-11-29
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:
Happy Sunday and hopefully youre doing well during this pandemic Covid19. I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

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 2023-03-19
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: Consumer Portfolio Services, Inc.

Complaint:
accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under cit open end consumer credit plan as late for purpose.

146

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
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 decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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 XXXX {$15000.00} XXXX XXXX XXXX {$87.00} XXXX   XXXX {$290.00} XXXXXXXX XXXX XXXX {$720.00} XXXX   XXXX  XXXX {$110.00} XXXX  XXXX  XXXX {$590.00} XXXX   XXXX  XXXX {$670.00} XXXX  XXXX  XXXX {$220.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$23.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
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:
On XXXX 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 35 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data branch and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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:
I am not liable for the debt with XXXX. I do not have a contract with XXXX XXXX XXXX. I requested copy of contract never received it. This account have been removed from my consumer report 2 times and keep coming back after you all advised them to delete account off my consumer 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 2021-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint:
I did not spell chase bank correct to you I spell it chass complaint number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
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:
XX/XX/XXXX Date Opened XX/XX/2021 Balance {$37000.00} - " Different Dates of last activity '' XXXX XXXX Date Opened XX/XX/2021 Balance {$58.00}, XXXX " Different Dates of last activity '' XXXX XXXX Bank XXXX XX/XX/2021 Balance $ XXXX THIS IS NOT MY ACCOUNT! I have never heard of this bank nor have I ever made any payments on this account. " Validate Account ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
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 ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please investigate and fix the accounts listed below. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$12000.00} ; XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$240.00}.

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 non-monetary relief
Consumer complaint received 2021-09-13
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:
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints State attorney general only I Recently Seen a False Collection from a company I never heard of. Also I do not have a contract with this company and they do not have a license to collect in my state I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The item I am disputing do not relate to any transactions that I have made or authorized. 

I am not liable for the debt with

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Albert Corporation

Complaint:
On XX/XX/2022 I made a purchase at XXXX. The purchases were. 
XX/XX/2022. XXXX. {$8.00} XXXX XX/XX/2022. XXXX. {$110.00} When I write home and my card was unable to be used I went online and found the additional XXXX charges on my account, that were not made by me. I did not make these charges they are fraudulent. I have tried every way I know to make the bank understand that they are fraudulent, and I know this because I did not make them. And the card was always in my position. I have no idea how it happened, I can not explain it. But I categorically deny making these charges, and as a matter of fact, can state that they are indeed fraudulent. They were as follows : XX/XX/2022. XXXX. {$100.00} XX/XX/2022. XXXX. {$100.00} I have tried every way I know to make the bank, ALBERT BANK, operating under a license of XXXXXXXX XXXX  OHIO, understand this. In the many many many emails back and forth, Albert Bank reported to me that in their opinion they were not fraudulent, they were not going to refund me my {$200.00}, and that they're findings were binding. After contacting XXXX XXXX, XXXX said that they were wrong, Albert Bank is in violation of XXXX XXXX XXXX agreement, and I should contact MasterCards fraud department. I did as well as the Consumer Financial Protection Bureau, the banking Regulators in Ohio, and others. This is outrageous, it is wrong, and Albert Bank should be treated as a rogue company

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
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:
This is my SECOND request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ; XXXXXXXX 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 XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$860.00} ; XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$7600.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$3900.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$6800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXXXX/XX/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 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-11-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XX/XX/XXXXXXXX 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 TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Requesting More Information To Whom It May Concern ; I'm seeking more information about an account which I opened with your company.

Please provide us with the following information : 1. The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing/leasing of this vehicle. PLEASE BE SURE TO INCLUDE ANY ARBITRATION PROVISIONS.

2. The full payment history on this account. That includes monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment.

3. The Notice of Sale/ Notice of Default, informing me of the date, location and method through which the vehicle would be sold, and how I could redeem the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

5.Any notices regarding our clients right to redeem personal property contained in the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

6. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/ vendors only ) or open to nonprofessional buyers.

To respond to this letter, you may contact us by email or USPS mail. PLEASE NOTE THAT EMAIL IS SIMPLER FOR BOTH YOU AND US.

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 2018-12-06
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:
inaccurate information showing up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC

Complaint:
On XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX I stated to XXXX XXXX that I have know knowledge of any Debt they are claiming that I ow to them. XXXX XXXX is also reporting an unverified debt that I allegedly owe to them to the credit bureaus I have no contractual agreement with XXXX XXXX at all. They are in violation of the Fair Debt Collection Act that  state they must validate and verify any and all debt to a 100 % accuracy. They are also violating the Fair Credit Reporting Act. XXXX XXXX must provide proof of any debt that I allegedly owe with copies of any contractual agreements bearing my signature. Im also requesting documentation of contrast with my signature thereof. If they can not produce such items they will be held responsible for Defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint:
I recently spoke with an attorney that let me know that charging an overdraft more than once for the same item is illegal. I brought this to my banks attention way after I had already asked them about these overdraft fees and was told that is how it works. I now see that they only charge me one time per items that were overdrawn. I then asked if I only have an overdraft amount of {$600.00} why is that when I reached the {$600.00} dollar point why would they then allow it to go through. There were so many times in the past that I couldnt over draw the full XXXX amount but if I did {$100.00} by {$100.00} at a time they then would allow all 6 of the overdrafts to go through just seconds later. I feel as though this needs to be looked into. Its downright evil and so wrong. My XXXX XXXX XXXX on an appliance delivery job we were on back on XX/XX/2018, I am now a single mom and feel like I have been taken advantage and basically robbed of my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-05
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA

Complaint:
I have 4 private student loans serviced by American Education Services. 3 held by XXXX and XXXX that was with XXXX and apparently has been sold to XXXX but is still serviced by XXXX. After falling behind on my loans, they were sent to different collection agencies ( XXXX and XXXX XXXX ). I recieved a debt collection letter from these agencies ( XXXX XXXX, XXXX and XXXX XXXX, XXXX respectively ) and exercised my right to seek validation of the debts. I sent each letter within the 30 day time limit and have proof of reciept of these letters by the respective agencies. I did not hear from them again, but then XXXX continued to try to collect the debts. I then sent them a letter on XXXX XXXX, XXXX explaining that these debts are being disputed and that they should not be trying to collect until I receive the validation info I requested. At the same time, I disputed all of these accounts through all 3 credit bureaus ( all still currently under investigation ). On XXXX XXXX, XXXX I received a letter from XXXX regarding the credit bureau disputes and asking for more details of what I was disputing. Today I put together a packet for them that included all of the previous letters that had been sent out and also reiterated that I was seeking validation of the loans that they service. Just now I got an alert from XXXX telling me that AES/NCT has reported me 30days late on all 3 XXXX loans. This is WELL AFTER I have sent letters and also during open investigation disputes through the 3 major credit bureaus. It was my understanding that while a debt is being disputed, the servicers can not report negative information until the dispute is finalized. I have recieved absolutely NOTHING to validate any of these loans, yet they continue to run the clock on how many days I am " late '', when in reality I need them to pause and provide me with the requested information. I am frustrated as I feel they are disregarding my letters and are in obvious violation of my consumer protection rights. I have attached all letters sent as well as proof of delivery for your review. I look forward to any help you can offer in resolving this issue.

Company response to consumer: Closed with non-monetary relief