hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-06-27
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:
On XXXX, XXXXXXXX XXXX I asked Equifax to investigate the below listed accounts for accuracies. On XXXX, XXXX. XXXX Equifax responded back to me and stated that the below named accounts were properly INVESTIGATED and VERIFIED but how is this possible when I found several inaccuracies, This is grounds for removal. 

XXXX XXXX XXXX # XXXX Account type. inaccurate Monthly payment. Inaccurate Date opened. Inaccurate Payment status. Inaccurate Last reported. Inaccurate Date of last activity. Inaccurate Date of last payment. Inaccurate XXXXXXXX XXXX XXXX # XXXX Payment status. Inaccurate Date last reported. Inaccurate Date of last activity. Inaccurate Date of last payment. Inaccurate XXXX XXXXXXXX XXXX # XXXX Account status. Inaccurate Payment status. Inaccurate Last reported. Inaccurate Date of last activity. Inaccurate Date of last payment. Inaccurate 15 U.S. CODE 1681 section 604a 2 also applies here. 

I have attached a copy of my most current credit report dated ( XX/XX/2022 ) as proof

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
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.

has violated my rights. Or 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 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 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 2022-04-08
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2023-03-24
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:
these items that are being reported on my credit report do not belong to me i have already submitted a police report because i believe i am a victim of identinty theft these listed items are affecting me negatively and making my day to day life hard and moving forward in my life impossible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP

Complaint:
I applied for US Bank account on XXXX XXXX XXXXpplication ID is XXXX ) and was approved on XXXX The deposit of {$25.00} was posted on XXXX XXXX Confirmation number : XXXX ) Besides the approval email, I did not receive any other documents or debit card. Therefore, I do not know the checking account number. 
When I called to request service, I was asked for either account number or debit card number and I do not know both numbers, therefore, I was unable to use the account or close the account. 
Please help me close the account and refund the {$25.00} deposit. 
Thanks

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 2021-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.

Complaint:
Comenity is blocking XXXX  from removing a fraudulent account after receiving disputes with a police report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.

Complaint:
In XX/XX/XXXX I filed for Bankruptcy. In XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX I filed for chapter XXXX bankruptcy. After review of my credit report I see all three credit bureaus have listed the bankruptcies on my credit report using inaccurate information. Each credit report states they obtained the information from the US Bankruptcy Courts and listed their name and address. I have contacted the US Bankruptcy court and they have informed me that they do NOT send bankruptcy information to credit agencies. Therefore, the information on my credit report is inaccurate and I am requesting the information deleted from all 3 major credit bureaus : XXXX, Equifax and XXXX. FCRA states not false information is allowed on a consumers report. I have tried to dispute this will all 3 companies and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: PINNACLE RECOVERY, INC.

Complaint:
I am receiving letter from Pinnacle Recovery threatening to report a timeshare account as default to the credit reporting agency. The account is already showing on my report or were removed by the XXXX. I do not have a contract nor do I know what role Pinnacle plays in the XXXX XXXX XXXX organization. The company that I made payment to was XXXX XXXX ; I have not made a payment on this account since XXXX 2010. This account is already showing on my credit report. I did not think the same account can be reported twice. I told that to them when they called and I was told they can and will do so.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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 submitted a complaint last XX/XX/2023 for the removal of the unauthorized and fraudulent inquiries but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent inquiries and for assistance to remove them from my credit report immediately. I am not the one who initiated these inquiries. They are 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 2023-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC

Complaint:
I now have a collection on my XXXX Credit report listed under Radius Global Solution.

This is NOT MY Account or a debt that I ever owed. I have contacted XXXX to file a dispute, but have not heard back from them. I was a victim of identity theft several years back and I believe this another debt collector attempting to collect for a debt that was never mine to begin with. 
No one from that collection agency has contacted me at all. It has all of a sudden shown up on 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 2020-04-30
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:
While I was in the process of trying to rent an apartment my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from identity XXXX to check the reason Iwas denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These account do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$430.00} LXXXX XXXX   XXXX {$480.00} XXXX XXXX XXXX {$760.00} XXXX XXXXXXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$670.00} XXXX   XXXX {$830.00} XXXX XXXX {$93.00}

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 explanation
Consumer complaint received 2022-06-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc

Complaint:
On XX/XX/2022 Chime closed my account stating that - " Provide sufficient original source of funds for transfers and explanation of the rapid removal of {$59000.00} over the last 2 months. '' This is regarding a personal account I have with Chime Bank 1. above you will see an email from Chime bank ( they do business through XXXX XXXX XXXX XXXX that they are investigating me in terms of why I have removed funds so rapidly from my account.. 
2. This is the second time they have shut my account down. However, after the first time, I submitted information ( statements, etc ) showing that there is nothing illegal and they reinstated my account 3. This time after submitting all the info they have not reinstated my account- the answer is pretty simple. I took my {$59000.00} out ( XXXX because I got a bonus at XXXX XXXXXXXX XXXX and {$9500.00} to cover some expenses ) 4. I have called them on 4 or 5 different occasions and customer service states that they can not help me and I have to just respond to the emails... even after elevating the call to the supervisor in charge.. 
5. I have asked for an update 4to 5 different times via their email addresses ( XXXX & XXXX ) however they will not answer me. So, I can't seem to get an answer as to what is going on... What's crazy is this rapid removal investigation. I'm certainly not doing anything illegal. How can a bank do this? What if I wanted to take out my money to buy a car or a house? 

I have about XXXX in this bank account still and would love to take it out but I'm locked out of everything. One of the craziest experiences I've ever had... 

I was wondering if I could get some help on this ... .I just want to sincerely thank you for helping me in the past and again, I am happy to pay you for your services. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL

Complaint:
I tried communicating with lenscrafters several time due to a collection they reported on my credit report even though I paid it off right away. I have all the receipts and invoices that are necessary to prove that this account was paid a long time ago. However, they still reported it. So I called them several times and they told me to send them my documents ; which I did, and months later, they still have n't gotten back to me. I called them and asked and they said they do n't have a number to their dispute department. How is that even possible? How am I even suppose to know they 're looking at it? They would always tell me they 'll call me but never did. So I am hoping that by this complaint, it will open their eyes that this kind of matter should be taken seriously. It 's not like I just picked {$400.00} on the sidewalk and much more my credibility as a borrower to have that kind of remark on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-14
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: Army and Air Force Exchange Service

Complaint:
Wrong amount owed to company this is a car I paid off already needs to be updated

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 2019-05-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.

Complaint:
Chase charged my account {$100.00} in overdraft fees. They refunded one. I have an agreement with Chase that when my account gets to or below {$50.00} I am to be alerted. This has been in place for years. On XX/XX/XXXX Chase did not hold up their end of the agreement and failed to notify me. They are claiming that in certain circumstances this can not be done. Well, I have never been informed of these circumstances or guidelines. The manager that I spoke with suggested I visit a branch and find out. I refused as this is after the fact and the manager was unable to determine when I signed up for the alerts. 
My question to him was if your records do not indicate the date of the agreement then how do you know what the agreement states. The agreement had no exceptions. Now the agreement has exceptions for this particular situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-25
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, XXXX XXXX XXXX XXXX, Account Number XXXX XXXXXXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXXXXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
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 Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection.
Our records are among those that may have been impacted, according to the website.
We did NOT opt in to the XXXX XXXX credit monitoring and we do NOT consent to arbitration with Equifax regarding this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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:
XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX NEW XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXXXXXX EQUIFAX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX BRB/BHG XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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: EQUIFAX, INC.

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document. 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, eliminate the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
Student Loans Report differently on all XXXX bureaus XXXX XXXX XXXX. 

Experian {$35000.00} Exquifax {$30000.00} XXXX {$35000.00} FCRA 15 usc 1681b ( a ) ( 2 ) - No Permisible purpose I never gave EXPERIAN, XXXX, or XXXX written consent to furnish anything on my report. 

15 usc 1681a -Rules of construction

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 2022-11-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
XXXX XXXX XXXX XXXX XXXX NC has reported 2 debts ( {$210.00} and {$220.00} ) which were paid and a certified letter with proof sent to them. They also reported a debt of {$550.00} which I NEVER received any correspondence on. The first I ever heard about this was after the credit bureaus informed me of it. I have no contract with XXXX and they are in violation of the FDCPA and FCRA. Something needs to be done about this group and its practices. I want full proof they sent these notices including delivery receipts, which I am sure can not be provided. As such, I expect this and anything from XXXX removed ALL credit bureaus 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 non-monetary relief
Consumer complaint received 2017-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
My identity was stolen and used to open fraudulent accounts on or around  XXXX / XXXX / 17 . I 've made numerous calls t o Saks Capital One and wa s previously addressed on complaint  XXXX .     The company 's response stated it was not being reported on my credit report and that the inquiry would be removed.     My credit report just updated and fell over  XXXX  points due to the fraudulent account being reported. This is inhibiting my first time home purchase.

Company response to consumer: Closed with explanation