hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
This is XXXX XXXX acting in my own behalf. They are reporting accounts that aren't mine and these false reporting accounts are affecting my credit report and costing me thousands of dollars. This is not like a regular dispute. I have filled a complaint with the Federal Commission and XXXX  bc to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP I am being ignored and i really can not wait another 60 days with this mistake hurting me. I have not receive any responses because everyone is ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to all of the stress you caused me. 15 United States Code Section 611 ( a ). It is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been 55 days and I gave it more time due to the covid 19 but now these items should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO.

Complaint:
Chase has illegally re-aged debts it is reporting on my credit report to add 2 years to the period of time it will remain on my credit report. It has reported the late payments as closer to the present so that the damage to my score is maximized. I disputed these items with the credit bureaus, with Chase, and through additional correspondence. There is no valid excuse for these entries to be incorrectly reported. I want the XXXX student loan entries deleted. Chase also reports a credit card. I have no confidence that this is reported correctly and would like this entry deleted as well. Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP

Complaint:
Back in XXXX my XXXX  XXXX XXXX  was charged off on XX/XX/XXXX, I spoke to XXXX XXXX from XXXX  a Debt Collecter, and he closed the debt of {$1300.00} on XX/XX/XXXX. 
Since I have never been through this before, I figured when he closed the debt that meant I didn't have to worry about paying it. I had lost my job, and had no money coming in except Unemployment. Than back on XX/XX/XXXX I received a Civil Action Hearing Notice from XXXX XXXX, XXXX also known as Pressler, Felt & Warshaw LLP, XXXX XXXX XXXX, XXXX, NJ XXXX, their phone # XXXX. I have contacted them by phone and also with a written letter requesting information, I have never received a call back or the Verification claiming I am required to pay the full amount. 
I have Appealed the Civil Action Suit and the new date is XX/XX/XXXX, however they also decided to place a black mark on my Credit Report after they were served the Appeal paperwork. This took my credit which I have been working very hard to rebuild down to the 500 level. Please can you help me out, they have been adding charges after charges on the {$1300.00} i.e. charge for Civil Action Suit {$120.00}. Than one of the hearing dates I was not even notified of, XX/XX/XXXX. I have read the reviews on this company and all of them have stated that they are very dishonest and they are ambulance chasers. I can certainly believe that now after what they have put me through. Plus to sue me for {$1300.00} plus additional charges. 

Can you please help me, I would greatly appreicate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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:
Transunion has 13 inquiries on my credit report. I have written a letter and no response. It has been well over 90 days. The following are the inquiries and dates : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
XXXX When all bills are paid on time my score never increase XXXX points and when late they decrease XXXX points why? XXXX XXXX card XX/XX/XXXX phone XXXX I did not request a credit card in m name and a police report is on file. XXXX XXXX phone XXXX XXXX XXXX XXXX A credit card was issued in my name to a difference address and charges was made A police report is on file because I did not request this card.XX/XX/XXXX. XXXX 's was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX was paid XX/XX/XXXX All educational student loans are paid

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
1. Never authorized credit report usage 2. Don't recognized 3. Not associated with an open authorized account Inquiry details XXXX XXXX from XX/XX/2018 2018

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 2016-02-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC

Complaint:
incorrect information has been posted to my credit reports without receiving notice of the debts in question for XXXX this debt was paid in full by the business it was a business account they have reported to all XXXX credit agency also this company call me and my family threatening lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
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 — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation

Complaint:
XXXX   XXXX   Bridgecrest received a certified payment from me in the amount of {$300.00} attached to the payment was a contract written and highlighted that stated : Accepting and applying this payment your company agree to remove ALL LATE PAYMENT REPORTED TO THE  XXXX  CREDIT REPORTING AGENCIES T  XXXX   XXXX   XXXX   XXXX   The payment was applied and accepted I also received and email confirmation thanking me for the payment as well. Since applying the payment under the term noted on the money order payment BridgeCrest has yet to honor the terms of applying the payment. I am requesting that ALL (  7  ) LATE PAYMENT REPORTING BE REMOVED FROM MY REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO.

Complaint:
REFUSED TO REMOVE FRAUDELANT LOAN. POLICE REPORT WAS PROVIDED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BOEING EMPLOYEES CREDIT UNION

Complaint:
Victim has never been an account holder with BECU, but her mother, Suspect has an account with BECU. Victim was not listed as a joint account holder with Suspect for that account nor has she had access to that account. 

In XX/XX/2023, XXXX stated in her deposition that she forged Victim 's name to receive payments into her sole BECU account from XXXX XXXX for a joint tenancy in mineral interests. 

In XX/XX/2023, BECU  produced copies of checks in response to a subpoena from Victims attorney. 

Based on the documents produced by BECU to date, BECU allowed Suspect to deposit approximately {$120000.00} with only the endorsement of Suspect, when checks were made out to " 'Suspect ' and XXXX ' XXXX. '' BECU allowed Suspect to deposit XXXX checks totaling {$32000.00} with the forged signature of Victim, including XXXX check that was originally voided by BECU for missing Victim 's endorsement. 

Suspect used a BECU ATM in XXXX, WA and a XXXX XXXX XXXX ATM in XXXX XXXX, WA to deposit these checks. 

Despite multiple requests, BECU has still not provided Victim with copies of XXXX checks totaling {$20000.00}. 

There were also XXXX XXXX payments made totaling {$80000.00} that BECU has not provided the direct deposit authorization form/process for. 

Victim should have received 50 % of the payments for the amount in dispute totaling {$120000.00}. 

For 2 months, Victim and her attorney have been attempting to contact BECU to resolve these issues with the unauthorized payments in the form of single endorsed checks, XXXX payments, and payments accepted with Victim 's forged signature. Victim sent an Affidavit of XXXX to BECU on XX/XX/2023. However, BECU claims the originator of the payments is at fault and has been unwilling to resolve or respond further to Victim 's requests.

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 2022-06-10
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2021-08-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am filing this complaint because Credit Bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible 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 explanation
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

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 2021-11-23
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:
EQUIFAX is furnishing information on my report without my written consent. I am the consumer and reporting is optional. I tried several times by mail and phone to get this matter fixed and EQUIFAX has failed to comply with the Fair Credit Reporting Act, Permissible purposes of consumer reports [ XXXX XXXX. XXXX ], which states that any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : In accordance with the written instruction of the consumer to whom it relates. I reached out to the XXXX XXXX regarding this matter and that will be my last resort before litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2021-05-28
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. JPMCB - AUTO FINANCE on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX CR SVC on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 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 or 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 to any 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
Consumer complaint received 2018-09-20
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bryant Bryant & Associates LLC

Complaint:
I and people I know were approached by a " investigating officer '' pretending to be XXXX XXXX from Bryant & Bryant & Associates pretending to represent XXXX XXXX XXXX with fake case number and claimed to need to make payment arrangements under penalty of Law. After setting up 75 biweekly payment got a call from a family member that it was a scam. I went to My representative at local XXXX XXXX XXXX location who verified it was a scam and cancel my debit card immediately. the scammer phone XXXX registered from XXXX Tx.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE

Complaint:
- XX/XX/XXXX - Phone call - ( XXXX XXXX ) I called the Barclays customer service as XXXX and spoke with representative XXXX XXXX 

During the call I spoke to XXXX about my concern that my early payments where not being accounted for properly and that there was something strange with my account. Please note how Barclays focus shifts to some occurance with XXXX and not my initial problem. 

XXXX said " There is some discrepancy beginning from XX/XX/XXXX '' and that there was an ERROR and she would open a case to be investigated ( Case ID # XXXX ). 

-- -- - XX/XX/XXXX - Phone call - ( XXXX ) Checking on case - No update. 

-- -- - XX/XX/XXXX - Official letter - Letter from Barclays ( attached below ) - Mentioning " We recently identified an error in which you did not receive the correct miles on your card account '' The letter states that there was an error. Vaguely explaining, what the error was and when the error was made. Stating that Barclays had : " calculated the correct number of miles and that they would be reflected on my account. '' -- -- - XX/XX/XXXX - Phone call - ( XXXX ) Called Barclays and spoke with XXXX ( Employee ID : TICMRP ) to understand what was happening with my account and to be updated on CASE and understand Letter received by Barclays. 

After saying there was no visible error, he spoke with a specialist, and confirmed that " it will take 1-2 billing cycles for it to be resolved ''. Contradicting the letter in the mail and XXXX 's initial ( CASE XXXX ). 

I was transferred to the supervisor woman named XXXX ( Employee ID : XXXX ) to understand If she could help me. She Assured me that the letter was sent out by accident and that there was no visible error on the account. 

As of that moment I decided to pay the full account balance with XXXX ( Employee ID : XXXX ) to have more details on the record and in the near future close my account. 

-- - XXXX XXXX - Formal Complaint to CFPB - After not being able to understand I am writing this formal complaint before having to get lawyers involved.

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 — Account status incorrect
Company: JPMORGAN CHASE & CO.

Complaint:
JPMCB. CHASE CREDIT CARD STILL SHOWING OPEN - NEED ATTENTION I DISPUTED ACCOUNT CLOSED - INCLUDEF IN BANKRUPTCY IN XXXXXXXX XXXX SEVERAL TIMES NOW STILL THERE

Company response to consumer: Closed with explanation