hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2018-04-10
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: EQUIFAX, INC.

Complaint:
I was advised by my credit reporting company to get copies of my credit reports. 

I requested 3 reports. It only showed my XXXX report, but not the other 2 reporting companies. 

I am unable to identify information that is on my report, ( lack of company names and identifiable information ). 

I was unable to get through to Annual Credit Report. 

Unable to speak to a customer service rep. 

Unable to resolve. 

There is no place on their website to request all three to be mailed, only print, the only one was XXXX, NOT XXXX XXXX or Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
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:
As a result of the 2017 Equifax Data Breach, Equifx notified me that my personal information may be compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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: 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 590. 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 n 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 us 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 n 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 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im 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 explanation
Consumer complaint received 2019-06-05
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've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reportin ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX, XXXX XXXX, XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION

Complaint:
I have been trying, since XX/XX/2023 and again on XX/XX/2023 to explain to Regions Bank that I have yet to receive my new debit card, which expired XXXX. 
This happened a couple of years ago when my debit card was renewed. 
I live in XXXX. The bank has my XXXX  address, yet they seem unable to send me the new card without me having to make several phone calls to the U.S. and explaining the situation. The last time they ended up XXXX XXXX me my new card. 
I am a XXXX citizen and I have once again been without access to my funds for over two weeks. 
I explained several times to 3 different bank managers that I am unable to purchase food or gas or access my funds if I should have an emergency. Regions Bank seems unable or unwilling to assist me receiving my renewed debit card. 
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 2018-06-23
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 XX/XX/2018 Equifax received a certified letter of dispute ( s ) in regards of the following accounts ; 1.XXXX XXXX XXXX XXXX, 2. XXXX XXXX XXXX XXXX  # XXXX, # .3XXXX XXXX XXXX  XXXX XXXX, 4. XXXX XXXX XXXX  # XXXX, 5.XXXX # XXXX, 6.XXXX # XXXX, 7.XXXX  XXXX # XXXX, 8.XXXX XXXX  # XXXX, 9. XXXX XXXX # XXXX Also account listed as XXXX XXXX XXXX  # XXXX, late payment dispute was never verified with proper 100 % accurate verification. 
More than thirty days have passed, and I have not received proof that you have validated or provided 100 % accurate verification, as in accordance with the Fair Credit Reporting Act section 609, 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: KBHS Home Loans, LLC

Complaint:
XX/XX/XXXX KB Homes ran my credit without my consent and caused damage to my credit score. I spoke with the lender who ran my credit without my consent and he said that " I'm Sorry '', he just did what the other lender told him to do. He felt bad about my situation but he never resolved the situation. He said dont worry is only a few points, I'm very disappointed and I want to make sure my credit is the same as before their ran my credit and most important alert others about what they are doing.

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 2019-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
The following information on my credit report is incorrect and unknown to me, I'm demanding that these accounts be blocked for my credit files. The following accounts are, ( 1 ) XXXX XXXX {$290.00}, and ( 2 ) XXXX XXXX Account

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 2023-09-08
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:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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:
In accordane with the fair credit reporting act convergent account CREDITOR / COLLECTOR : XXXX XXXX Account : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX Account : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX  Account Number : BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX Account Number : XXXX BALANCE : {$0.00} CREDITOR / XXXX XXXX XXXX Account Number : XXXX : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX Account XXXX XXXX : {$0.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$610.00} The Credit bureaus stated my account was properly investigation but how is that possible is the open date is in accurate, the date last active is inaccurate, and date last reported is not accurate. The ground for removal they also violated my rights under 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.

Also the credit bureaus took more than 30 days to complete my investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
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:
XXXX XXXX Bank had a balance of {$2700.00} was closed XX/XX/XXXX. Was sent to collections and a law firm named XXXX and XXXX. XX/XX/XXXX I settled with the law firm and made a payment of {$2000.00}. My credit report states I owe XXXX XXXXXXXX {$680.00} however I have a letter from the law firm XXXX and XXXX that the account is settled. This account should be removed as I paid the law firm then settled amount.

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 2020-05-07
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-09-01
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:
Over the last three months Ive sent letters to the three credit bureaus asking them to remove inaccurate reporting and inaccurate accounts. Ive asked them to provide me with original signed documents to prove verification ; which they refused to do so because accounts are absolutely false. I really need your help removing negative and inaccurate report to my credit reports that XXXX XXXX and Transunion are reporting. These negative items must be removed immediately.

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 2016-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.

Complaint:
I am making my monthly minimum payments to all of my loans but they are not being applied correctly. this is the 2nd month in a row. Navient claimed I hit the button that says " advance my payments '' but I could n't have since my loans are paid automatically through ACH. The minimum on XXXX loan is {$42.00} of the monthly {$360.00}. On my XXXX 2016 and XXXX 2016 auto-draft payments, only {$4.00} was applied to my $ XXXX monthly payment and the remaining {$37.00} applied to the other XXXX loans on my account. I have ordered them to re-allocate my monthly payment correctly. I believe they are intentionally under-paying the $ XXXX monthly loan because I have been aggressively paying extra payments on that one. I believe they are hoping I 'm not a vigilant payer in attempts to keep me in my loans longer and accrue more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Dear Sir or Madam : I am a victim of identity theft. My XXXX XXXX XXXX account ending in XXXX was having unauthorized funds withdrawn from it via online access. Upon discovering that my account was compromised XXXX transferred my balance of XXXX into a new account which ends in XXXX and restored my funds. The old account was suspended but not terminated, this allows for the automatic bill pays to still be made from this account. Long story short my above account for XXXX XXXX XXXX XXXX was paid but later reverse due to the account being frozen, fallout from the identity theft ( paperwork included ). I was not aware of this payment reversal and the next month payment was taken to cover this reverse payment. This happened for a couple of months. I was making the payments thinking they was on time when I was paying the last months note. This finally resulted in a XXXX late payment. I was alerted by XXXX XXXX that I was 30 days late on my payment. I called XXXX XXXX XXXX XXXX and they explained that I had a reverse payment and they took the following payment to cover that payment. I quickly made a double payment to rectify this account. Keep in mind the amount of funds in my account. I opened this account in XXXX of 2021 and have had a perfect payment history up until this point. 
I am requesting that this late payment be removed due to the fallout from the online identity theft. The Identity Theft Report FTC Report Number XXXX and proof of my identity is enclosed with this request. I have also enclosed a copy of my old bank statement from XXXX where the account was suspended, and funds transferred to account ending XXXX. Bottom line if my automatic payments had not been uninterrupted by the criminal act of someone compromising my account the payments for this account would have continually been made in a timely fashion. 

Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at ( XXXX ). 

Sincerely, 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 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
I have  XXXX  child support accounts show up on my credit report that is NOT mine. This started about 6 months ago, when I noticed them I began trying to figure out what to do and how to do it because I disputed it and the bureaus said it was a " valid or verified account '' which made me laugh because the Child support office s aid 2 week s after the agencies claimed to have investigated that the bureaus need to contact them. They provided little help as well ... they did send me a letter which I 've forwarded on to the credit bureaus, and have n't heard anything back as of yet. Little frustrating because I wanted to look at buying a house and I ca n't and anyone that runs my credit things I 'm lowa quiet life that does n't pay his child support. Not sure what else to say or do but I 'm going to upload what I have based on the internet and different resources.

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 2022-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I opened an account online with Bank Of America XXXX. XXXX, 2022. I deposited {$100.00} into the account. On XXXX XXXX, 2022, I tried to log in to my account online and was blocked from doing so. I called the customer service number for Bank Of America that evening and was told that my account was closed. On XXXX XXXX I again called customer service during regular banking hours and was told that there was a freeze on my account and the bank decided that it was best to close my account for business purposes. I inquired about receiving the money in the account and was told to go into the branch with my ID to get the money. I went into the local branch that afternoon and was told that they cant give me my money, the account was closed. I asked for someone in charge and was told he was with another customer and to make an appointment which I did for XXXX pm on XXXX XXXX XXXX After going in and speaking with the bank manager I was told that the account is going on for closure and they planned on sending me my money with a cashiers check. I also let them know that I changed my military allotment to go into that account and wanted to know what would happen to that. They explained that it would be mailed to me. First of all, if the account is still open, why can I not get my money out. Secondly, if the account is still open why am I being told its closed. They also had the nerve to ask me if I wanted to open a new account. Can you please help me get the funds that are currently in there and any future deposits expeditiously. Per there own words they have until XX/XX/XXXX to close my account. At that point I will receive my money. How fair and right does this sound. Who gives them the right to hold MY money 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 2022-11-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.

Complaint:
LNVN Funding LLC RE : Validation Requested RE : Account # XXXX To whom is may Concern, I dispute your claim and I am requesting validation from your pursuant to the fair Debt Collection practice ACT 15 USC 1692g SEC 809 ( 8 ) FDCPA. Provide breakdown of fees including how you calculated what you claim I owe. Provide a copy my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect a debt in my State. Send this information to my address and accept this letter sent as my formal debt validation request which I am allowed under the FDCPA. I will await your reply with the above requested proof Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
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: EQUIFAX, INC.

Complaint:
I have made contact with this bureau on XX/XX/2019 and XX/XX/2019 in regards to an account that is on my report twice ( 1-Negative, closed account with status showing Collection account # XXXX and 2- Closed account with status of payment ( - ) with Paid Collection for account # XXXX ) the 2nd one being acceptable but disputed as accurate. I also disputed the accuracy of a Bankruptcy-chapter XXXX reporting on my report due to lack of acceptable verification, I sent them copies of letters to court requesting how they verify and from court stating they do not verify. I have also sent letter to XXXX requesting the same information. 
I am a retired veteran and I am in the process of trying to become a productive XXXX to assist in the health and nutrition of our community and these 2 issues are standing in the way with no fault of my own. I have requested the bureau to remove these items from my report immediately.

Company response to consumer: Closed with non-monetary relief