hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.

Complaint:
I signed up for this " XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. '' Today I find out a credit card was added, and I was NEVER informed.

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 2020-12-04
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:
On XX/XX/2020 about XXXX eastern time i called Transunion XXXX XXXX and XXXX  to kindly remove these account that arent mines and incorrect that are on credit report which is affecting my credit score but they were being rude, had me on wait for about 15mins and they just wouldn't comply.

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 2020-05-12
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: Mr. Cooper Group Inc.

Complaint:
XXXX FILED BK RECENTLY AND SETTLED WITH US FOR $ XXXX, they are tradelines associated with XXXX, XXXX & XXXX AND ALL TRADELINES, XXXX, NATIONSTAR, XXXX, AND XXXX  SEE ( CASE NO.XXXX XXXX XXXX XXXX XXXX XXXX ). WE WILL SUED YOU ALL CARBON CAPYING THIS CLASS ACTION LAWSUIT. ALL TRADELINES HAVE VIOLATED ALL STATE AND FEDERAL CONSUMER PROTECTIONS ACT ALONG WITH THE DODD-FRANK FRANK WALL STRRET REFORM AND CONSUMER PROTECTION ACT IN ADDIION TO FORCE XXXX  TO DELETE TRADELINES AND SEND WRITTEN PROOF FROM XXXX  DIRECTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP

Complaint:
I am on a COVID forbearance program with my Mortgage company ( U.S. Bank ) since XX/XX/2020. The credit bureaus are supposed to be reporting that I am current. The Mortgage company ( U.S Bank ) said that being in the program will not affect my credit score. But my credit sore is being affected every month since XX/XX/2020. XXXX  is reporting that Total balance on all your mortgage accounts ( s ) has increased by {$1300.00}. This change applies to the sum of all Mortgage balances.

They need to stop reporting this and go back and fix all the reporting so my credit score will not be affected. Because while I am in the COVID forbearance program XXXX  should be report my mortgage as current. Please contact TransUnion have them please correct this incorrect reporting. My credit report dropped XXXX  points Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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 purchased a used car from XXXX XXXX XXXX  XXXX. I make my payment every XXXX  weeks as stipulated in my contract. The credit bureau shows my monthly payment is {$480.00} each month. The dealer/ in house finance says my payment is {$220.00} every XXXX  weeks. 
I have never missed a payment, The credit report reflects my payments late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. My credit is ruined. I called the Business Manager XXXX XXXX several times, advising him to correct these mistakes. He has done nothing. I wasn't given a XXXXruth In Lending document to break down the interest and finance charges This was never provided.

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 2023-07-29
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:
My name is 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 explanation
Consumer complaint received 2023-08-19
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 reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 
I have previously disputed this information and received a response that the creditor verified the information. However, this verification was inadequate and violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which governs the accuracy and completeness of consumer credit reports. The creditor and credit reporting agency did not provide me with the name of the person who verified the information or any evidence that the creditor conducted a proper verification. The creditor and credit reporting agency did not update the balance or the date of the account as required by the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 2 ). Furthermore, you failed to conduct a reasonable investigation within 30 days ( or 45 days in some cases ) of receiving my notice and report the results of the investigation to me as required by the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Please investigate this matter and update my credit report accordingly using the Metro 2 format and in compliance with the consumer law from the USC, Title 15, Chapter 41, Subchapter V, which protects consumers from unfair or deceptive acts or practices in connection with credit transactions.

I have enclosed a copy of my identity theft report as proof of identity theft, a copy of my ID, Social security card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phillips & Cohen Associates, Ltd.

Complaint:
The company Philips & Cohen is trying to collect money from me that is not owed. I sent this to them last year and they stopped but now they are back at it. 

Re : XXXX XXXX XXXXXXXX Account Number : XXXX Debt Collectors Account Number : XXXX Dear Phillips & Cohen Associates, Ltd I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter will be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I will turn the matter over to an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
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:
N accordance with the Fair credit reporting act XXXX  Accounts # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX has violated my right to privacy.

15 U.S.C 1681 Section 604 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.

Complaint:
On XX/XX/2020, the day these fraudulent charges were discovered. XXXX XXXX reported the charges to an XXXX agent ; the result of which the agent determined that the charges were fraudulent and that XXXX XXXX was not liable. The amount of these fraudulent charges were {$12000.00}. 

On approx. XX/XX/XXXX or XXXX, 2020, Amazon Visa unilaterally charged XXXX with approx. {$8900.00}. These charges were again disputed by letter on XXXX XXXX, 2020. See Attached letter to Chase Bank. 

All of the charges listed in the attachment from Chase Bank were fraudulent and unauthorized. These charges were made after XXXX XXXX took my credit card which was then sold to another scammer. 

Most of the merchants in the detail printout I have never visited or made any purchases for example, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, or the XXXX XXXX. 

Chase states next to each transaction on the printout of fraudulent charges, that " you have received the benefit from this transaction ''. This is inaccurate as I did not benefit from the transactions because I did not make any of the purchases nor did I authorize the fraudulent charges. Chase has not contacted XXXX XXXX as of this day, XX/XX/2020, nor have they contacted me, the cardholder, for a sworn statement. Chase has not shown any video with my image making these transactions. 

**Please note : On the attached affidavit, it states that the fraudulent charges are highlighted in yellow. However, I have attached the current printout from Chase so the charges will not be highlighted in yellow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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 recently disputed the accounts/ information listed below to Experian and XXXX XXXX agencies notifying that the information was inaccurate and violating my rights according to the Fair Credit Reporting Act. I have not been provided proof of debt for example a copy of a contract stating I have an obligation to these companies that are reporting my information without my consent. On XX/XX/2023 XXXX has responded stating the information was verified and XX/XX/2023 Experian responded stating the information was verified. Verification was never in question, the validity of these debts/obligation/ alleged applications are in questionable. I have notified both companies that XXXX XXXX XXXX does not have any proof that I owe this alleged debt so I am demanding a description of Experian 's and XXXX 's investigation procedures as well as the documentation used during the investigation according to FCRA 611 ( a ) ( 7 ). I have requested documentation from XXXX XXXX XXXX and was given a computer generated document. 15 U.S. 1681a ( 2 ) ( A ) ( ii ) states communication of that information among persons related by common ownership or affiliated by corporate control is excluded from my credit report. 
Also, XXXX XXXX, XXXX, and XXXX XXXX are reporting alleged hard inquiries and I have disputed these with XXXX and they are still reporting on my consumer report. I am requesting the documentation used to validate this information as well. Please be advise this is my final attempt to resolve this issue before entering a arbitration case against XXXX and Experian to resolve this urgent matter. I have included a copy of XXXX XXXX XXXX response as well as XXXX 's response.

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 2023-08-09
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
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 — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP 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. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX bank Account # : XXXX. In addition, I do not recall being late on my XXXX account all my payments were paid on time and never late. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 ) X1 ) 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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 credit report is showing late payments to XXXX XXXX XXXX, XXXX  XXXX BANK NA XXXX, and XXXX  ACCOUNT SER XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
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: EQUIFAX, INC.

Complaint:
on XX/XX/2021 i sent out a dispute to the credit bureau. as of today there is no word on that dispute. i was affected by the equifax data breach and would like these errors removed from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I received a notification that a new inquiry was added to my credit profile and I DID NOT apply for a new credit line or account. I am requesting that the following inquiries get removed ASAP as they are negatively effecting my Mortgage decision. I am scheduled to relocate next month and my family and I desperately need this mortgage approval. Please remove them. Thank you in advance for your assistance! 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2020-12-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY

Complaint:
I opened a saving account with TD bank on XX/XX/XXXX and did a fund transfer with {$20000.00} from my XXXX XXXX  to TD bank saving account on the same day right after the account is opened. 

TD bank closed my account for some unknown reason afterwards and sent an email stating that the fund transfer was unsuccessful. 

However the money didn't go back to my XXXX  XXXX  account untill now. 

I've reached out to one of the TD bank branch and also filed a complaint with XXXX XXXX. However the issue is still not resolved. 

Attached is the reponse from XXXX XXXX. 

Please take this complaint seriously. All the actions are performed and instructed on TD bank online system, TD bank should make a graceful transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.

Complaint:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.

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 2019-12-14
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation