hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.

Complaint:
After reviewing the Fair Credit Reporting Act, I did not find a regulation requiring that I request a disputed directly with Experian. From what I have learned, please feel free to correct anything you find incorrect, my obligation is to identify myself with my dispute ( which I've done ). Using the system Experian provides seems self-serving on Experian 's part and not to my advantage. This system is free also and it has the additional advantage of accurately documenting my contacts with Experian in case I need to take this to court which this is beginning to head toward. I simply want you to start an investigation on the items below. If not you are in violation of the FCRA and will be required to pay {$1000.00} per violation plus court cost. 

ACCOUNTS XXXX  XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX/XXXX  XXXX never late XXXX  XXXX never late XXXX NA XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXXXXXX never late XXXX XXXX XXXXXXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX  XXXX not mine XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX   XXXX  XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine

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 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have made attempts to correct my credit and have been having extreme difficulties each and every time. I have currently been working with the credit agencies to have all accounts and information rectified. Currently after requesting that an investigation be done on all my accounts with each agency I am still finding discrepancies that are holding me back and have been verified. In Particular XXXX XXXX is using the Transunion platform to provide and gather credit updates and I have recently discovered that they are still reporting items and debt incorrectly. According to XXXX XXXX I have closed accounts that thy are still trying to collect on and have recorded me at $ XXXX in debt with auto loans. I do not own any vehicles. The accounts are listed as closed, but XXXX XXXX is reporting that this debt still exist even when the account itself has been closed or removed. This needs to be fixed as it is decreasing my overall credit score. Furthermore, I have disputed these debts with Transunion. I have made every attempt to fix this situation. I have spoken to several XXXX employees and have gotten nowhere. I have tried to work with the underwriting department and nothing. This has also stopped me from actually getting a loan for anything else. I cant eve qualify for a bank loan and i've been with my credit union for 12 years. the amount of damage is ongoing and difficult to quantify. 
Transunion has been less than helpful as they have verified me as a totally different person and even after updates still has all my basic information incorrect. I have made attempts o request my credit report, however because they have my basic identifying information incorrect, I have been unable to obtain copies because they can not identify me at all. Please 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 2022-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
On XX/XX/2022, I was the victim of a scam that was very sophisticated, impersonating the XXXX XXXX XXXX XXXX ( XXXX ) in XXXX, FL and telling me that I had failed to show up for a court appearance on XX/XX/XXXX and had to immediately pay {$3000.00} or be arrested and have a bond of {$30000.00}. I was completely unaware of this supposed court appearance but because I had been involved as a board member with a set of two organizations ( XXXX XXXX XXXX XXXX and XXXX XXXX ) that has a long and contentious legal battle, it did not seem implausible that I had been summoned to testify. I could not understand why the summons never appeared at my office -- that didn't make any sense. 

I did all my due diligence on the phone with this person who i genuinely believed -- because he had all this accurate in depth information. I ask the person who called for his badge number, making sure there was someone by that name employed at the XXXX. I then asked for his supervisor 's name and he transferred me to that person who also provided me with a badge number. They had citation numbers for me on what they were threatening arrest for. It was a very sophisticated scam and every fact checked out. These scammers had my office address, citation numbers, and very threatening language. 

The person impersonating the XXXX deputy insisted that I had to pay this money in cash or by XXXX or apple pay. I tried to do so to avoid being arrested and kept getting back responses from them that the XXXX financial department. Ultimately I ended up losing {$7000.00} to this sophisticated scammers, money that I had to take from my small business payroll account. 

I filed a crime report with the XXXX XXXX XXXX XXXX, which I can provide for you. 

On Sunday XX/XX/XXXX, I called Bank of America who is the bank that processed the payment through XXXX and XXXX and explained that there was a police report documenting all of this and this type of scam is not very well known and I was trying to avoid getting arrested. We have been 20+ year customers there and I have five accounts with them -- personal checking, personal savings, two accounts for our children, and a business account. They told me there was nothing they do to help us. This really feels unsatisfying given our long term relationship with BOA, the crime report, and the sophisticated nature of the scam, which provided so many realistic details. I truly believe BOA could reverse these payments in the interests of doing the right thing for a long term customer.

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 2022-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$86.00} ; XXXXL Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX are reporting on my personal credit file with ( XXXX/XXXX/TransUnion ) credit reporting agency. These inaccurate addresses, accounts and inquiries were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP

Complaint:
On XX/XX/XXXX, and XX/XX/XXXX I made deposits to the a US BANK ATM ( ~ $ XXXX and XXXX respectively ). Oddly, both deposits amounts were canceled by the bank, with the $ XXXX being reinstated same day, but the other being held ( there were two checks in this held deposit ). It was apparently held because one of the checks written around didn't match the dollar total. I was not contacted. On XX/XX/XXXX I was doing an audit of my account and saw this discrepancy of over $ XXXX in my account. I traced it back to this issue, which was had been held since XXXX, again without any communication. Contacting the bank on XX/XX/XXXX, I was told it appeared to be an error, and the issue would be escalated, and they'd reach out to me the following morning. On XX/XX/XXXX I called the bank at noon, having not heard back. Working with a new individual, he told me that he was talking to the person that held the deposit, and an error had been made, but that now the check was released. I pointed out that the total amount ( $ XXXX ) was still not in my bank account. He then told me that it was because the checks were returned to their bank of origin, and that I'd have to reach back out to those individuals and have them write me new checks. This, however, is not an option. It's not clear why the entire deposit was removed from my account and sent back, why one of the checks was held, and why there was no communication about any of this until I did my audit. Further, US Bank is not taking accountability for removal of these funds from my account, and I've seen no evidence of the supposed mis-matched check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Capital One prepaid and XXXX credit card are reporting twice and sometimes three times a month, lowering my credit score purposely. The XXXX of the month is when my prepaid is due and reported. The XXXX of the month is when the XXXX is due and reported. 

Since XX/XX/2018 the reporting has been repeatedly during a 30 day period when its only to be once a month. 

XXXX is working with Capital One and XXXX lowering my score by over 103 points in less than 6 months. Only raising it by 1 or 2 points and I pay my bills on time, pay off my debts early and keep all debts paid on time, yet my score is now, again XXXX from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
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: EQUIFAX, INC.

Complaint:
I settled my mortgage dispute with XXXX a year or so ago and as part of the agreement which I will include with XXXX was supposed to notify the credit agencies to remove the entries to my credit report, that no entry from XXXX should exist on my report. I paid them the settle amount of around {$80000.00} but they did not abide by the agreement as the entry is still on my credit report. I attempted to have this resolved last year and it still has not been resolved and has thus far lead to several adverse credit situations. 

XXXX  also would not let me dispute this again since I had disputed it previously, in other words, just making the situation worse by not removing it the first time! Equifax 's system would not allow me to access my report where I'm just assuming the entry also exists. The issue is currently in dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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

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 2022-06-16
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:
i remember going to the dealership for a car purchase.i was asked for my SSN which i obliged only to be having to deal with all this inquiries.

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 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX  {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} 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 2023-03-28
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:
Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a third Follow-Up Letter ( XX/XX/XXXX ), and a Fourth Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ). In total, I have sent four letters asking for a correction to my credit report.

To date, I have had to dispute incorrect medical collections along with inquiries that are not mine four times. On different occasions, I have received responses from all three credit bureaus with resolutions being removed/deleted from my credit report. 

The inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13
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:
Account Name : XXXX XXXX Account No. XXXX Balance : {$1400.00} - The date open did not change. I have disputed this on XX/XX/XXXX with the credit bureaus or credit reporting agencies but up to this day, they are still reporting the date open inconsistently. 



Account Name : XXXX XXXX XXXX  Account No. XXXX Balance : {$990.00} - The credit bureaus are still reporting this account inconsistently. The only credit bureau that has provided information for the date of last payment is Experian and it's on XX/XX/XXXX. I see that the other two national credit bureaus have not provided this information on my credit report. There is no possible way that they verified this account as they have falsely claimed as per the FCRA. 



Account Name : XXXX XXXX Account No. XXXX Balance : {$1200.00} The account status is still the same. XXXX  is still reporting this account as " Open '' while the other two bureaus are reporting this as " Closed ''. I'm on my fifth letter with the credit bureaus and they still couldn't get this right. Is this account verified through different furnishers? 


This is a formal complaint against Experian, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors.

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 2019-06-03
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: Diversified Consultants, Inc.

Complaint:
I have never done business with DIVERSIFIED CONSULTANT # XXXX {$1600.00} I have already disputed this account with another company XXXX XXXX that I guess sold this Unverified account to DIVERSIFIED CONSULTANT # XXXX. I will sued them if they do no remove this Fraudulent account and stop selling it to other collection agencies.I request that formally DIVERSIFIED CONSULTANT substantiate account data DIVERSIFIED CONSULTANT conferred to the major credit bureaus for me, XXXX XXXX XXXX, with respect to the unverified account # XXXX. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction.

Company response to consumer: Closed with explanation