hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-02-24
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: Experian Information Solutions Inc.

Complaint:
THE ACCOUNT DIPSUTED HAS TO BE REMOVED OFF MY CREDIT FILE FOR ITS BEEN REPORTING INACCURATELY. IT WAS PREVIOUSLY REMOVED AND NOW ITS REPORTING WITHOUT MY KNOWLEDGE. PLEASE HAVE THE ACCOUNT REMOVED OFF MY CREDIT FILE.

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 2022-07-14
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 sent complaints # XXXX, XXXX, and XXXX on XX/XX/XXXX however it was already closed when I reviewed it. I am resubmitting my complaint to you today to inform you that there were erroneous items found on my credit report : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX TER XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX TER XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : - ; XXXX XXXX XXXXXXXX XXXX Balance : {$480.00} ; XXXX XXXX XXXX Balance XXXX {$190.00} ; XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX  XXXX Balance : {$230.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$48.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt.

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 2023-01-18
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 company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
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:
remove the different names on my credit report : XXXX said it was a mistake by companies and it doesn't matter... I only have 1 name XXXX XXXX XXXX Received 2 letters from XXXX Credit Card asking for information. I called and said I did not apply. @ nd letter said I was declined. I called they said it was fraud ... and they would review ... and remove from my credit inqueries.. 
I FILED ALSO WITH FTC XXXX XXXX my C/C texted me XXXX WAS BEING CHARGE {$1400.00} I called them and said it wasn't me please block XXXX from my C/C 1.XXXX CARD XXXX XXXX XXXX XXXX DE XXXX XXXX 2. XXXX XXXX  XXXX..REASON AUTO LOAN : I HAVE XXXX DID NOT APPLY TO XXXX 3.XXXX XXXX XXXX XXXX : DO NOT KNOW THIS XXXX 4.XXXX XXXX XXXX ... ..DO NOT KNOW THIS 5. XXXX CREDIT/XXXX  S RV NO PHONE NUMBER... .DID NOT APPLY FOR AN RV 6. XXXX CREDIT/ED XXXX XXXX NO PHONE NUMBER DID NOT APPLY 7.XXXX needs to remove soft credits ... .I was mislead by the web site and I was charged a subscription... .I only wanted the free boost they were emailing me gave me MEMBER ID : XXXX. I CAN NOT CLOSE IT OUT I DONOT WANT THEM CONNECTED TO MY PERSONAL BANK ACCOUNT MY name, phone number are on the DARK WEB I was also scam by an attorney on credit consolidate in 2014 paid 3 years then notified by the attorney generals office that I was a victim

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: 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-05-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP

Complaint:
People opened both a checking and a saving USBank account under my name, using my  Social  #  XXXX .  XXXX   XXXX   XXXX . I have reported repeatedly about an ongoing Identity Theft issue with  XXXX   XXXX   XXXX , who lives with me at  XXXX   XXXX   XXXX   XXXX ,  XXXX , OR  XXXX . Her Social Securit y Number  is  XXXX . This  US  Bank account has been opened fraudulently behind my back on  XXXX   XXXX ,   XXXX  . Actually, a saving account #  XXXX  and a checking account I do n't even know it 's number. I called  US  Bank at   XXXX   XXXX   XXXX   XXXX    USBANKS  on  XXXX   XXXX ,   XXXX   to put a hard hold on both my accounts, but it was not the case. Later on I learned that both my checking and my saving account have been compromised, with  XXXX   XXXX  ordering checks under my name and using my Social Security  No. I  then learned and realized that she and her husband  XXXX   XXXX  were using the fraudulent accounts that they have opened fraudulently under my name to launder money. The check book cost me {$30.00}, for example. There were {$50.00} transactions being deposited and withdrawn back and forth, despite me calling dozens of times since  XXXX / XXXX /  XXXX   to make sure that the exact nature of these things did n't take place. I believe both accounts are closed now but not before my identity has been compromised and my credit rating gone through the mud.

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 2017-11-28
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:
The company XXXX has been consistently reporting incorrect information in my comments that account is closed at consumer request They have reporting balances as the account is good standing and never late but refusing to update status to open since is account open with a paid statement every month. This has been going on since XX/XX/XXXX. I receive automated letters saying it will update in 30 to 60 days. This is my 3rd letter of this kind saying that. The last one in  XX/XX/XXXX but XXXX investigated with a reponse that account closed with a Balance deceasing every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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 — Investigation took more than 30 days
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. 


XXXX XXXX XXXX XXXX  -Has violated my rights XXXX XXXX XXXX XXXX -Has violated my rights XXXX XXXX XXXX XXXX - Has violated my rights XXXX # 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 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 2021-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation

Complaint:
Hello. This is a response to a listing on my credit report. Please be advised that Penn Credit Corporation has reported " invalidated information '' to the credit bureaus ( XXXX, XXXX, and XXXX  ). This may constitute fraud under both federal and state laws. Also a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

On XXXX, XXXX XXXX XXXX placed an account with XXXX XXXX XXXX  on my credit file ( for collection ). Account number # XXXX. This account was successfully disputed and reported to be fraudulent ( please refer to FTC report number : XXXX ). This year ( XXXX ) CONSOLIDATED is trying again to place this account on my file ( for collection ) with a different collection company ( PENN CREDIT CORPORATION ). I am prepare to take legal action if this information is not removed from my credit file. Please assist. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On XXXX, I was alerted of multiple hard credit inquiries from XXXX and Capital One. These were unauthorized inquiries, as I did not apply for credit, products, or services from either creditor. I immediately contacted both creditors for suspected fraud/ID theft. XXXX confirmed the fraudulent activity, and advised that any pending applications have been closed and that Id receive confirmation by mail. Any unauthorized hard inquiries would be resolved in approximately 90 days. I then contacted Capital Ones fraud department for resolution. I was advised that there was no record of any activity associated with my name, date of birth, or SSN. Meanwhile, both XXXX  and XXXX showed hard inquiries dated XX/XX/2020. I could not reach resolution with Capital One as they show no record of this inquiry. I was advised to dispute with the CRBs, or send a letter to them to include an account number ( which I dont have ) and other PII.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY

Complaint:
XXXX XXXX XXXX by Wells Fargo On XX/XX/XXXX we have a withdraw from our business account for the amount of {$31000.00} this is the total withdraw for all my employees for this pay period. 

On XX/XX/XXXX we received a notification from one of our employees that he has closed his bank account so the funds can not be access. We contact our payroll company about this issue and requested the funds back just for this single employee in the amount of {$1200.00}. This amount was return to our account on XX/XX/XXXX. 

We issue a company check to this employee for the same amount {$1200.00} for him to cash and he did it on XX/XX/XXXX ( check # XXXX ) Wells Fargo never contact us back regarding any issues about this in XXXX. 

On XX/XX/XXXX the same check # XXXX for {$1200.00} was cashed again by the same employee ( at this time he is no longer employee ) On XX/XX/XXXX I dispute the charges with my bank ( wells Fargo ) while they investigate they credit my account {$1200.00}. 

On XX/XX/XXXX The bank withdraw the funds back again for {$1200.00}. follow by a letter with reference # XXXX " based upon our research, we have determined the transaction has posted correctly ... .. please consider your claim closed. 

I have been to the branch already 5 times to get a detail explanation why they don't understand that the check was chased twice. in conclusion always get the same response. we can not do anything about it in the branch. You have to escalate it over the phone. 

I have call 3 times to the number the branch manager give to me to escalate the complain and always end up in the same result. We can not transfer you to that department, they will call you back in the next 24 to 48 hours and I have never received the call back. I have already wait 10 business day.

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 monetary relief
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
NOTICE OF IDENTITY THEFT / OPPORTUNITY TO CURE TO WHO IT MAY CONCERN. 
My name is XXXX XXXX and I will like to put you on a notice of identity theft. 
I am disputing an alleged fraud transaction and alert on my account number with information below Bank Routing # : XXXX Account # : XXXX Account Type : Primary signer Incident Date : XX/XX/2020 Principal Loss : Fee Reversal : Combined Loss & Fee Reversal : Paid/UnPaid/Settled : Paid Debt Paid in Full Date : XX/XX/2020 Contribution Reason : Checking Account Fraud which was closed due to an alleged fraudulent activity. 
This was an identity theft which I did not participate in. 
An amount of XXXX was deducted from my other Bank of America account number XXXX on XX/XX/2020 without my approval which is illegal. 
I would like to say I was a victim of identity theft and I will like all money deducted from my account be refunded to me and any identity theft on my early warning services and XXXX XXXX should be removed immediately. 
Find attached an FTC identity theft report, XXXX XXXX AND XXXX XXXX XXXX REPORT as proof I give you XXXX working days to resolve this issue as this account status is defaming my character and I have lost a lot of business relationship and ability to business with creditors. 
Because of this defamation of character, I have suffered emotional and financial damages for years and you have also stolen from me. 
This is the first time I am speaking in years of suffering and pain as a victim of identity theft. 
You have XXXX working days. 
Kindly take this seriously. 
Regards XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24
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: EQUIFAX, INC.

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.

Complaint:
They started reporting this the last three months to my credit report. They bought the debt from XXXX. I have not even been to the XXXX to get my blood work done. I called XXXX who did not ever send me the paperwork and then they said that they agreed it wasn't my responsibility but someone else as I have insurance and didn't even use them. They said that they can't fix it as the debt was purchased by the collection agency and the collection agency is impossible to reach and the one time I did they were unreasonable and hung up on me. 

NameCREDIT COLLECTION SVCS I Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$480.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$480.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX   Monthly Payment {$0.00} Original Balance {$480.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

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 2023-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC

Complaint:
Jefferson Capital Systems I am responding to your notice that you placed in my con-sumer report under collections about a debt you are trying to collect. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was trans-ferred. When you identify the original creditor, please provide any other name by which I might know them. In addition, tell me when the did you obtained the debt. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
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:
I called Experian Information Solutions , Inc. about the deletion of unauthorized hard inquiries on my consumer report in XX/XX/XXXX. They directed me to call the creditors to have them request that the inquiries be removed from my consumer report. I called the creditors but was not able to reach anyone that could help me. 

On XX/XX/XXXX, I sent XXXX letters to Experian Information Solutions , Inc. at XXXX XXXX XXXX XXXX, TX XXXX to demand deletion of each inquiry reported on my consumer report where my consumer report was obtained without my authorization or permissible purpose under the FCRA. I requested the following inquiries be deleted ( letters attached ) : 1. XX/XX/XXXX, XXXX XXXX 2. XX/XX/XXXX, XXXX XXXX 3. XX/XX/XXXX, XXXX XXXX 4. XX/XX/XXXX, XXXX XXXX 5. XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX 6. XX/XX/XXXX, XXXX XXXX XXXX XXXX 7. XX/XX/XXXX, XXXX XXXX XXXX Experian Information Solutions , Inc. has not adhered to my request to promptly delete the unauthorized inquiry or if they conclude that the inquiry listed is verified, I request details of their method of verification.

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