hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-10-31
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:
Second Request : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2023-09-01
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2021-07-06
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: EQUIFAX, INC.

Complaint:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : XXXX XXXX  Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$19000.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$1800.00} Reason : Account is fraudulent Account Name : XXXX XXXX  ( XXXX XXXX Account Number : XXXX AMOUNT : {$110.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$73.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX  ) Account Number : XXXX AMOUNT : {$5000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX AMOUNT : {$700.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX AMOUNT : {$720.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX AMOUNT : {$880.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX AMOUNT : {$420.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
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:
On Monday, XX/XX/XXXX I contacted Experian about a problem I was having with their report to XXXX XXXX. At XXXX XXXX, I applied for a credit card at XXXX XXXX to save money on a new computer I was buying. XXXX XXXX contacted their bank which said I was denied. This astounded me. I own a home and two cars. I make over {$80000.00} a year, and have had this job for 19 years. I have no outstanding debt - no loans or liens. I pay off my credit cards when they are due - never carry a balance. I have a credit score from Experian around XXXX. I have over {$100000.00} in my bank, with over {$700000.00} in IRA/401K. So, their bank sent me a letter which said to call them that there was an alert from Experian. I called them and they only re-ran the application for the credit card and could not give me a reason why they could not approve the card- they could only say that it was not approved again and I would get a letter in the mail explaining. I got the same letter in the mail which I received before! So, I contacted Experian online. Online, they said to call them that this had to be handled by someone. I called, but could get no one - just the electronic prompts. None of the prompts applied to me- they were mostly about disputes, which I don't have. I needed to know what was on my report that was not allowing me to get a simple credit card. I kept asking for an operator, which the automatic voice recognized but would not give me someone to talk to- they only kept repeating the options which did not apply to me. I tried a second number I found online to Experian and it did the same thing - the prompts did not apply to my situation and they would not give me someone to talk to. I failed to get someone to talk to about my situation both times- the electronic voice would not allow it. So, I wrote a letter to Experian explaining the situation ( and my outrage ) today, XX/XX/2022, sending it to Experian National Consumer Assistance Center in XXXX, TX. I do not expect much help, but at least a human being will look at my situation.

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 2022-05-25
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:
FCRA violations : inquires not mine US SM BUS ADMIN ODA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2400.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Open. 

FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} XXXX XXXX account. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX 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 2021-05-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc

Complaint:
Chime bank closed my account after suspending it for No reason what so ever, I provided them with all documents they requested but after they saw I put a complaint in with Americans with XXXX, upon closing my account in they never sent me a check, no answer on any emails I send and I ask nicely in every Emaik about my funds and explained that is my rent money that theyve held no for 2 weeks and my landlord wants to evict me. I have all the emails and conversations I am disgusted that this is how they treat a loyal customer of 4 years for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

REMOVE ALL FRAUD ALERTS AND FRAUD MARKERS/INDICATORS FROM MY 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 2021-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.

Complaint:
On XX/XX/XXXX, Caine and Weiner contacted me to settle the claimed debt of {$12000.00} to XXXX XXXX XXXX XXXX XXXX ( Document " enotice '' ) via email. With this notice, I was not informed of my right to ask for proof of debt. On XX/XX/XXXX ( XXXX business days ), I responded with my dispute, explanation of the situation, and requested proof of debt. On XX/XX/XXXX, Caine and Weiner representative XXXX acknowledged they would respond with proof. On XX/XX/XXXX, I discovered Caine and Weiner reported my account to XXXX, XXXX, and XXXX Credit Bureaus on XX/XX/XXXX ; one day before contacting me. I requested that this false report be removed. I received no response. 
On XX/XX/XXXX, at XXXX, I contacted Caine and Weiner again as XXXX  days had passed on my request for proof of debt and asked for the removal of my account from all three bureaus as there was no proof of debit as I had explained to them. I received no answer. However, only XXXX  deleted the account from my report. 
On XX/XX/XXXX, I contacted XXXX at Caine and Weiner again to remove my account with the false claim from my credit report from XXXX, XXXX, and XXXX  Credit Bureaus. 
On XX/XX/XXXX, XXXX responded that he would further contact the original creditor for information to validate my debt. 
On the same day, I let XXXX know that I had already requested the proof of debit and I was only contacting him to remove the false debt from my credit report on XXXX, and XXXX as 30 days had already passed. I then let him know that I was aware of my rights under the XXXX Fair Debt Collection Practices Act ( FDCPA ). 
Immediately after this, on the same day, XXXX from Caine and Weiner responded that they had mailed me the letter on XX/XX/XXXX, to which I replied was a lie because I had no mailed contact with them. All my conversations and interactions with them were via email. In addition, he had just responded earlier in the day that he was still reaching out to the original purport creditor XXXX XXXX XXXX XXXX. Thus, if he was still reaching out to this creditor, how could he have sent me any proof of debt on XX/XX/XXXX? It was very clear the representative from Caine and Weiner was lying and working under false pretenses to not remove this false report with the two credit bureaus.

I have now disputed the debt directly with XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.

Complaint:
Back in XXXX of XXXX, there was no announcement that Comenity  Credit Card was going to shut down their payment processes online. There was no way to log in to see what was being billed, there was no way to make a payment, not even by phone. Then when I found out " Easy Pay '' was opened in XX/XX/2022 there was still no representation of statements of bills and no way to know how much was being charged to my account. There was no announcement that the website was back up. As of now, I can see statements, but not all of them are accounted for XX/XX/2022 is missing. I have been trying to make payments and sent Comenity two physical letters from my bank stating the payments were never tried and have not heard back from them on this specific topic. I have been charged for " chargebacks '' saying Comenity tried to charge my bank but it never went through. None of the payments I scheduled went through the day I scheduled them to go through. I have been charged late fees that have added up to over {$200.00} on my credit card. I asked to have them removed, but no response was made until today XX/XX/2022, and was just simply told I did not qualify. Other customers of Comenity were subjected to waived fees and charges. I have reported them to the XXXX, but nothing was done and no reports or changes have been made. 

I have also received a " bill '' in the mail explaining my account was closed due to the supposed sent-back payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-22
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Transunion LLC at XXXX XXXX XXXX, PA XXXX I sent letters to this company XX/XX/2021 to verify that what is reported on my credit report is accurate. They have not provided me with any proof of verification and are still reporting inaccurate data on my credit report. 

1. XXXX XXXX The date of the last activity is different on every bureau report, the collection account is being reported as an open account, and XXXX is still reporting positive payments. 

2.XXXX  XXXX date of last activity is different on each bureau, XXXX is reporting on time payments, each bureau is reporting a different high credit amount.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
I had a credit card Supposedly opened for XXXX XXXX 5 years ago when I was just a XXXX in college on XXXX vacation. I was not aware that it was an actual credit card, the cashier made it seem like just a promotion that the store had going on at that time. I only spent {$25.00} on a pair of shoes that I was originally paying in cash. All of a sudden late payments kept getting piled up, and that 's how I have an unpaid balance of {$160.00}, which I was unaware of, now on my credit report. I never even activated the card!! I was tricked into thinking I was getting a deal on a pair of shoes! The credit card is delinquent and showing up as bad credit and highly affecting my score before I had the chance to discover and build good credit on my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
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 two loans with XXXX XXXX XXXX. They were both purchased and enrolled the same date and due the same month. I do make both payments the same date and for the same period at the same bank. I have always made the required payment. However, for some reason, one of my loans has been showing up consistently late for the past 8 months, since XXXX of 2018. I requested correction, made numerous of phone calls, spent lots of hours on hold and spoken with almost about 30 people including senior managers but they all seem to not understand how to correct the error on my account. I last file a credit dispute in XXXX to both credit rating agencies for correction because their irresponsible behavior impact my credit rating. The rating agencies temporarily made an adjustment to my credit because XXXX XXXX XXXX could not prove me wrong. Whatever, XXXX XXXX XXXX did at the time, it seem the did not correct the problem in their system. Since my last communication with XXXX XXXX XXXX in XXXX, I recently check my credit reporting and it shows I am again 3 months late with my payment and one month of no payment. This is really frustrating and I am getting nowhere at this point.

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 2022-11-20
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:
I have file a dispute several time with XXXX about the inaccuracy of my public record. I was a victim of a scam and the person filed a bankruptcy under my name. I never went to court nor filled out any paperwork. XXXX has been notified and still refuses to remove this information from my 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 2016-01-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BlueChip Financial

Complaint:
I initially took out a {$600.00} personal loan with the online company named Spot Loan. I defaulted on the loan, and I began getting harassing phone calls from numerous identified phone numbers with all of my personal information. I contacted Spot Loan to find out what the situation with my loan was. They informed me that they had sold my loan to a third party debt collector. When I asked to whom they sold it to, they vaguely gave me a name of a company called XXXX and the phone number XXXX. They still to this day have n't given me a mailing address. When I called the XXXX number, there is a recorded message saying to leave my name, number and loan information and someone will return my call. I received a call from numerous out of state phone numbers, XXXX lady claimed to be calling me back from XXXX. She said they sold my loan to a company called XXXX XXXX XXXX phone number XXXX. I called that number and I was told my loan was sold to XXXX XXXX XXXX at XXXX. I called that number and it was a recorded message about taking a travel survey. So basically, I was at a dead end with no answers In the mean time, I was receiving harassing phone calls from XXXX and XXXX claiming to be calling me from a company called XXXX. ( XXXX ). I XXXX all of these companies and none of them are legitimate debt collectors. These calls from XXXX. were threatening to serve me papers, and they were telling me that I would be going to court for check fraud. I told them to serve me then, and that I knew by law that they had 5 days to send me verification of the debt by mail. They refused and we 're demanding my bank account information for a payment. I refused. I understand that I have an outstanding debt, but nothing about this is the legal way of collecting it. This company Spot Loan obviously sold my personal information to a scam third party for whatever profit they could. They should be held accountable, and if they supposedly sold this loan legitimately, they should be able to provide more information to whom ... .most importantly a business address for the company that they sold it to.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is my 4th time contacting the CFPC and my disputes are still not being handled by XXXX, XXXX  and Transunion ... Please investigate these negatives items and have them deleted. 

XXXX Unverified account XXXX XXXX XXXX XXXX- Unverified account XXXX  XXXX XXXX XXXXUnverified Account I want these accounts deleted from my credit report and please send me an updated credit report reflecting this. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, Texas 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 2021-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may 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 explanation