hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY

Complaint:
I opened an account with TD Bank XX/XX/XXXX. I was supposed to receive a {$300.00} checking account promo after deposit requirements. Deposit of {$2500.00} within 60 days of account opening and promo will be deposited to my account. I have met the requirements as confirmed by many representatives. One XX/XX/XXXX, I spoke with rep name XXXX who spoke with their manager and confirmed again the criteria was met and they submitted an inquiry with the " promo team '' I was told, it will be reviewed and deposited on my account in a week. Called again on XX/XX/XXXX and spoke with rep name XXXX who stated account was noted as me not meeting the requirements asked to speak with a manager and talked to XXXX who also reiterated the same but could not provide the terms and condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
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: EQUIFAX, INC.

Complaint:
I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions XXXX XXXX XXXX in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On XX/XX/2018 a charge for {$680.00} posted to my account from XXXX XXXX XXXX. The amount was for an estimate I received for work. I have used this vendor in the past, so my CC information was available to them and they billed me in advance without my permission. When the actual work was completed I paid XXXX grounds with a money order. A copy of which I provided to the credit card company at their request but I still do not understand how that was germane to my complaint. When I noticed the charge on my account, I contacted XXXX and requested a refund. XXXX refused my request and offered a credit towards future work. I declined as I did not want to utilize them again since they took liberties to bill my credit card without my permission. I called my credit card company and reported the fraudulent charge. I reported that I did not authorize the charge. My credit card has a chip embedded and the charge was not process by the chip, the magnetic swipe nor does the merchant have a signature on file verifying I authorized the transaction. I have made numerous attempts with my credit card company to have this fraudulent charge removed from my account without success

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-09
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:
These are bills and accounts are NOT mine. I am not a credit repair company, nor am I a mortgage company. Please remove this data from my reports. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
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 2009 my wallet was stolen and I have been a victim of identity theft ever since. This person is always able to open accounts in my name. And now that I am actually trying to use my credit I am unable to achieve anything because of all the negative accounts on my report. I have disputed with three credit bureaus as well as the creditors involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: RSI Enterprises, Inc.

Complaint:
There are a couple items listed on my credit file which are unknown, several times I have disputed with no response. Please help assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
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:
I discovered some accounts on my credit report that were opened on my behalf without my permission. I found out about these accounts today XX/XX/20 because I am in the process of buying a house and when the realtor ran my credit he told me that I didn't qualify for the loan right now because of these negative accounts on my credit report. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I have no idea who is responsible for opening these accounts. I did not benefit anything from these accounts such as money, goods, services or any other benefit from these accounts that were opened without my consent ; I never made any payments or purchases with these accounts and I have already filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE

Complaint:
In XXXX, XXXX, Barclay Bank issued a new credit card due to the old card being compromised through their Security. We only discovered this when the new card came in the mail. In XXXX, I receive a notice that I am late on my payment for XXXX. On XX/XX/XXXX, I called Barclay and went through many Customer Service people, to no avail. I figured out what happened and I called to explain and they still can not correct it. The Bank was crediting the old account ending in XXXX ( I do not have the whole Number on the old account as it was destroyed ), which should have been closed, and made this made the new Account XXXX, late. 
As you can see, by the attachments that I have sent you that I have corresponded several times to this Bank in a short period of time. Also, I have never been late on my credit card payment I have not received a call from Barclay on this matter. In the meantime, my excellent credit reports have been lowered, due to their neglect in this matter. On the copy of their response, dated XXXX, they stated they would have a Manager call me to explain the situation. To date ; they have not called.

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 2023-06-22
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: Experian Information Solutions Inc.

Complaint:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this 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 2021-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Credit Reporting Agencies reply to complaints " Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps '' This is not a response but shuffling paper, pushing off, and a diplomatic answer. The FCRA requires the Credit Reporting Agencies to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of receiving notice of your dispute. Thus Credit Reporting Agencies have failed and do not investigate.

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 2022-10-14
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:
Good Afternoon, RE : Account Number - XXXX After viewing my credit report I noticed inacurrate information listed on my report. I submitted a dispute to the 3 bureaus ( XXXX, Equifax and XXXX ), XXXX deleted the account due to unverifiable information. However XXXX and Equifax have yet to remove the account and provide me with the requested inforamtion. 

After receiving no response from XXXX and Equifax I pulled my credit report for a second time and noticed that neither bureau made remarks on my credit report stating that account XXXX is in dispute. Per the FCRA ; Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. Counting the number of days between pulling my credit report I've determined that it has been 60+ days since my first dispute and neither bureau have listed the account as " in dispute ''. 

Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Im requesting XXXX and EquifaxPlease provide me with the following : What the money XXXX XXXX say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor, as the original credotr listed is just " medical '' Prove the Statute of Limitations has not expired on this account. 
Show me the you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent or Agent of Service. 

Because of the FCRA violation and no response, as well as failing to validate the account Im requesting to have the account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
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: EQUIFAX, INC.

Complaint:
XXXX  XXXX XXXX  {$4500.00} XXXX XXXX XXXX {$2400.00} not mine, no knowledge of accounts hippa violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
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: Experian Information Solutions Inc.

Complaint:
I submitted several disputes concerning my credit.. The bureaus not complying or following with the law.. They have not gave me my results or investigation results.. I have sent out letters in the concern of my credit issues.. They have not as of yet resolved my matters at hand.. I will like help in getting the matters of credit concern deleted immediately do to the fact that they have not complied or show proof of my investigations..

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 2020-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
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: ALLY FINANCIAL INC.

Complaint:
FRCA Violation auto loans late payments ALLY FINANCIAL FRCA Violation student loans U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX FRCA Violation personal loan late payments XXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX FRCA Violation personal information 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 2022-04-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.

Complaint:
My consumer report has a line item from XXXX XXXX  for a medical debt purchased from another company. This debt has already been paid. My consumer credit score has been negatively impacted. I sent a Cease and Desist notice dated XX/XX/22 by certified mail on XX/XX/22, and it was received on XX/XX/22. The corporation has failed to communicate with me within the 7 days response time per my demands in connection with this notice.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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 am disputing fraudulent hard inquiries that I received on my credit report that I did not authorize and recognize on my credit reports. I contacted each Creditor Company to rectify the inquiries. They only assured me that there were not any accounts opened or created under my name. I then contacted XXXX, XXXX and Transunion credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
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: EQUIFAX, INC.

Complaint:
Every they take XXXX to XXXX points away from my account for balance decrease

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.

Complaint:
In XX/XX/2016, the case was dismissed and the rent is still with the City of XXXX. XXXX XXXX is aware the money is there. National Credit Systems is reporting to XXXX  that owe {$9000.00} which is not true. I have proven that no rent is owed and their attorney dismissed the case of me owing anything. 

National Credit Systems is reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
back on XX/XX/23 i sent transunion a dispute to look into the matter of my credit report being inaccurate. I have sent multiple request and have gone unheard and this is also causing me some stress because im in the process of finding a house for me and my family but have not been able to resolve this issue. Please help me resolve these things that are hindering me financially.

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 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently which was highly embarrassing and has negatively impacted my lifestyle.

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 2022-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY

Complaint:
My wallet was stolen from my car on Saturday, XX/XX/XXXX. My credit card and debit card were then used to fraudulently spend {$4000.00} ( {$2000.00} ) on each card at the XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, California. I have disputed the charges with both XXXX XXXX ( credit ) and Wells Fargo ( debit. ) XXXX XXXX has said that the charge will be flagged and voided, however, Wells Fargo is still in the claims process.

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