hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-05-01
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 the following dates I filed the following disputes with CFPB : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX CFPB - you have allowed the credit bureaus to not act accordingly to my FCRA rights as a consumer. I have filed several complaints with you, which you've closed my complaint every single time. You have allowed the credit bureaus to use the stall method acting as if I was impersonating someone else which is XXXX. I am the original creditor per the FCRA and no debt can't be validated unless " I '' the consumer validate it. This has caused me stress, anxiety, loss of employment due to this public record on my credit report which is a violation of 15 USC 1692d ( 1 ) states any bad debt furnished on my credit report is ruining my reputation. This defamation and emotional stress.

I have been asking for a remedy and haven't received anything yet. My privacy is being violated continuously. Since you have been closing my accounts with no remedy and not holding the credit bureau accountable, if this issue is not resolved I will be seeking litigation on you.

I am a California Consumer and I will refer you all to the district attorney office.

I have also filed a complaint with the FTC and XXXX.

Removed this off my CREDIT NOW!

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 2020-09-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC

Complaint:
A debt collection company Transworld systems bought debt from wages military star card and they are charging interest on a debt that was sold to them and that I never signed contract with Transworld but with aafes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
remove all old adresses

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.

Complaint:
hi My name is XXXX XXXX XXXX XXXX. 

I purchased the prepaid service for my daughter that is " gizmo watch '' and I paid XXXX dollars for that and service for that month which was XXXX total. my daughter stope wearing that watch. i thought i didn't have to pay anything, then the version gives my name for debt collector I.C System and i paid XXXX $ that the service they ever provided to me and I never used. Believe that is really wrong and I need the justice.

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 2019-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.

Complaint:
XXXX Adult son should have been a trustee. On the account with Alley bank. They put him as co owner and he took everything out of my account and Ally bank takes no responsibility for my son closing the account. Nor take responsibility for notifying me. The say sense account was never fixed from Co owner to just a trustee that its ok for him to take all my money. Then close out my 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 2021-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Crea Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

1XXXX XXXX  XXXX  XX/XX/2021 2- XXXX  XXXX  XX/XX/2021 3- XXXX XXXX XX/XX/2021 4-XXXX  XXXX  XXXX XX/XX/2021

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 2016-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Bureau of America Ltd.

Complaint:
I have sent several letters to the City of XXXX and Collection Bureau of America on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as of today they have not responded. After looking at the debit it was reported XXXX/XXXX/XXXX the statue of limitations has lapse. Please contact all credit bureaus to have removed from all reports.

Company response to consumer: Closed
Consumer complaint received 2017-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have sent in inquire letters, and called nothing was resolved. 
XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fcu XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Dealer 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 explanation
Consumer complaint received 2022-12-08
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: EQUIFAX, INC.

Complaint:
I have reported accounts on my report that were fraudulent. XXXX, Equifax and XXXX failed to removed accounts after being provided proof that the accounts did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Transunion enclosed is a copy of reinvestigation that account removed from my credit report sent to the CFPB in a response please remove this account XXXX /XXXX XXXX XXXX this is not a dispute but to send you actual facts this account is to be removed after reinvestigation was done. enclosed is a legal statement of fact response to a Goverment agency on this case

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 2018-09-21
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:
In XX/XX/2018, a collections account showed up on my credit report from XXXX XXXX. I have never done business of any kind with XXXX. I immediately disputed the account with the credit bureau XXXX. The results came back saying the account was " valid. '' I was unable to get a real person from XXXX on the phone to address this issue. After doing my own research, apparently this is a famous problem with XXXX that has happened to many people, and neither XXXX nor the credit bureaus care to help resolve the situation. In my situation, the account is clearly either erroneous or fraudulent. Around that time, I did have some fraud and identity theft issues with someone attempting to open lines of credit in my name. This account may be the result of that. I've attached the only information I have about the account, which was reported by XXXX. Right now, the collection amount balance says {$4600.00}. The creditor address reported by XXXX is : XXXX XXXX XXXX XXXX, TX XXXX The creditor phone number reported by XXXX is ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.

Complaint:
I checked my credit report, which I acquired from the credit bureaus and I noticed unauthorized credit inquiries had been made. I contacted the companies asked them to remove the 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 non-monetary relief
Consumer complaint received 2020-06-01
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:
Hello! To whom it may concern ; on XX/XX/2020 I sent out dispute letters to Experian regarding a collection account that was not accurate or verified on my credit report listed as XXXX XXXX  ( XXXX  ) stating that I owe a {$0.00} balance and a loan amount {$1300.00}. This account is completely untrue and inaccurate and Experian did not even respond to me about the dispute. Not only did they not respond to me within 30 days, but they did not address this with me at all to let me know they verified it nor give me the documentation to prove to me that this is valid. Please have them to remove this item off of my credit report immediately. 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 2018-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA

Complaint:
Upon graduating and working one full year, I called my loan company to discuss loan forgiveness. I had a very detailed conversation ( notes saved!! ) with a man who explained exactly what I needed to do- sign up for automatic payments and then with a year to go before I make all 120 payments, complete the certification and the loans will be forgiven. So, listening to the official loan representative, I did just that. Worked in an eligible and certified place, completed the paperwork, was approved, and they tell me one of my 110 payments was eligible for forgiveness because, despite me asking this gentleman SEVERAL TIMES, my repayment plan, that he set me up on, wasnt eligible. The amount Ive paid monthly is more than the other eligible repayment plans too. 

I feel as though Ive been scammed! Was I given misleading information so they could continue to make money?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
It's not my inquiries, i never applied for this companies.

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 2022-12-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC

Complaint:
XXXX, which is my phone service was hacked. It was all over the news. It was everywhere right afterwards I started receiving notices from this trust asset strategies, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Reference # XXXX First thing I did was go to XXXX and showed them the notice they said you know what this is not a stationary. It is because this is part of the fraud thing that happened months ago, you do not owe as a XXXX at the den you {$50.00} per month and your account is current. 
The second thing I did was informed this collection agency of that information and ask them for proof and they said something to the effect of about a XXXX which I do not have XXXX  and never have and as a last I heard, other than getting notices from time to time. 

I have no documentation, no proof nothing and it came from some hacker organization that probably does this every day all day long.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
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: Westlake Services, LLC

Complaint:
Westlake financial is not reporting to my credit report for Month XX/XX/XXXX and also Month XX/XX/XXXX. i have all the proof that the payment was made on time. i called multiple times to have my payment history updated and they " Westlake Financial " Failed to updated and as per the fair credit reporting act all reporting account needs to be 100 % accurate.

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 2017-02-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.

Complaint:
I have received a letter in the mail stating that I owe {$1100.00} to XXXX. This letter came from a collection agency called Convergent Outsourcing Inc . I do not owe this debt never have. I am filing a complaint against this company because their are a fake and a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
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: EQUIFAX, INC.

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS 9PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC.

Complaint:
Attempting to open online account with CIT Bank ( XXXX ). Input basic data ( name, address, employer, SSN, US Citizen ) and webite immediately responses with " Thank you for your recent application for a CIT Bank account. We regret to inform you that after a thorough review of your application, we have elected to not open a bank account for you at this time. Thank you for considering CIT Bank. '' No info is provided. 

Contacted bank and they advised to try resumbitting from different location. Done multiple times over multple dates from XXXX to XX/XX/21. All result in same immediate automated response. 

Contacted bank for more specific information. They advised that the automated system has checks to attempt to identify fraud and think that maybe IP address or computer I applied from may be issue. Explained have done from multiple PCs and a phone all with same response. They can provide no additional info. 

Advised them per federal law, they are required to tell you why you are denied a bank account ( wife XXXX XXXX XXXX 25 years ). They advised they don't send any letter or email explaining and could provide no additional info. Only option was to write to corporate office. 

I have an excellent credit score, no charge offs, bankruptcies, or unpaid accounts, and as the response was immediate, I suspect there is some other issue such as IP location, etc. The bank should be required to disclose specifics however.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
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 several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and needed to be deleted from my credit.

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 2021-04-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
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:
Im a victim of identity theft!

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 2022-08-08
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts 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 any accounts 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 accounts which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$32.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX : XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance XXXX {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$32.00} Medical XXXX Balance : {$510.00} XXXX XXXX  ( Original Creditor : 11 XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX Balance : {$110.00} TRANSUNION : XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX Balance : {$110.00} 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 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 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
account PAID IN FULL. dispute d A MILLION TIM ES. here IS PROOF IT WAS PAID. pleasE REMOVE THIS INCORRECT INFORMATION.

Company response to consumer: Closed with explanation