hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-04-11
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:
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. Please delete the accounts : XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/2017 Balnce : {$380000.00}, XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2017 Balance : {$0.00}

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 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION

Complaint:
XXXXOpened a dispute with First Advantage stating they were supplying my employer with inaccurate information that they claimed they got from the DMV. I submitted a certified copy of my drivers record showing that I had no violations on it to First Advantage as part of the dispute process.

After several phone calls I was told the information they are reporting is correct. It isn't however as I have proof from the DMV and the court that the information is not accurate.

My employer requested an update report 2 more times after I opened my dispute and they are still sending my employer inaccurate information. This has cost me the position I applied for due to the reporting of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I CONTACTED TRANS UNION AND THE STATED THEY CAN NOT FIX THE FACT THAT EVEN MY OLDEST ACCOUNT IS 20 YEARS OLD AND  APPEARED 11 YEARS CAN NOT DO NOTHING. THEREFORE I NEED ASSISTANCE TO MAKE IT AS IS SUPPOSED TO SHOW 20 YEARS. 

THANKS 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 2020-03-07
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 aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2015-12-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.

Complaint:
They settled. I paid it off and received a letter that it was settled. It is still on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$230.00}, XXXX XXXXXXXX Balance : {$2300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
XXXX AND XXXX XXXX, have never been my accounts. I have sent away many letters to get these removed from my credit report. These have no contact information to dispute. I need these removed, it has been over 5 months! I have been emailing about XXXX XXXX, which has XXXX cards with my name, yet has no contact information. How am I supposed to move forward if my fraud alerts and removal letters for frauded hard inquiries are not being honored?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC

Complaint:
The customer is constantly falsely reporting my account as late or delinquent and everytime I dispute it they correct it but report it again negatively a month or two later ... this has been going on for the past year and a half and Im tired of it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
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: National Credit Adjusters, LLC

Complaint:
I did not open this account. My ex wife opened it in my name. XXXX  and XXXX  have investigated and deleted the account however XXXX will not. This is causing me to not be able to get a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BBVA FINANCIAL CORPORATION

Complaint:
On XXXX XXXX XXXX I made my usual payment at statement close via BBVA 's online account access. I paid with my saved checking account on file that I have used without issue many times in the past. 
On XXXX XXXX XXXX I received my paper statement in the mail and saw that my payment that I made was reversed without my knowledge on XXXX XXXX XXXX and I was being charged interest on the amount due On XXXX XXXX XXXX I called BBVA to figure out what happened. It was discovered that the payment made, for whatever reason, had the last 2 digits of my checking account number missing so they said they were unable to make the payment. When I made my payment, I did not manually enter in any numbers, I simply selected the saved checking account on file that I have always used without issue. It is abundantly clear that there was some issue on their end that corrupted my checking acct info and made my payment not process in their system. However, phone support absolutely refused to accept this reality and they fought me on it over the phone for half an hour. 
I expect BBVA to refund all finance charges and late fees immediately Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC.

Complaint:
good morning ( afternoon ) dear agency I am suffering from an absurd abuse I receive more than 70 calls a day from the company they threaten me a lot I receive a lot of unknown calls about these collections asking for money to pay these collections on my credit I changed my address for this reason they are threatening me they are telling me too many abusive words i get scared i moved from house to live in another house i get really scared please delete these fraudulent collections

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
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: AMERICAN EXPRESS COMPANY

Complaint:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ), XXXX XXXX XXXX, AMERICAN EXPRESS ( AMEX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by -AMERICAN EXPRESS ( AMEX ) on XX/XX/XXXX, -XXXX ( XXXX ) XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX  on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX  and American Express ( AMEX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC

Complaint:
Credence Resource Manage claims I owe them {$1200.00}??? 
This was all settled a while back. The company customer service had spoke to me there was a settlement and some point and for some reason they never updated anything. I have tried contacting them to resolve this matter and It has gone no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15
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:
Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
XXXX XXXX XXXX  is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
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: 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 U.S.C 1681. 

Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX  Acct Service # XXXX, Account Name : XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than 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 any 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 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: AMERICAN EXPRESS COMPANY

Complaint:
I reported that I made a purchase and did not receive, what I paid for. Therefore I wanted a refund. You pay before you get the service. I also had put in a complaint with the XXXX   months before, because they would not respond to me or the XXXX  complaint. I came to American Express because, I could see that XXXX XXXX was not going to do anything and were just stalling for time. 
When I came and told American Express about the situation, and I did not get what I paid for. They should have refunded my money, back to the card, They took his word for fixing this situation. Knowing all of the steps that I went to try to remedy the situation before I even came. As of XX/XX/XXXX, he tried to retaliate against me for reporting him, as he picked that day to tell me that he was not going to refund my money or fix the situation. After all this time saying otherwise. During the dispute period you told me that I did not have to pay, you took it out of dispute. and did not tell me. Now the card is in arrears. When this situation didn't have to be.They also violated my Hippa rights by photocopying my personal medical records and sending them to American Express. Who does that?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-14
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 — Was not notified of investigation status or results
Company: United PanAm Financial Corp.

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Product: Credit reporting 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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/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 2021-08-17
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:
This company did not complete an accurate investigation for the fraudulent account on my credit report. I have submitted my FTC report along with dispute letters since 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 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Reorting Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 15 U.S.C. 1681 section 602 I have the right to privacy.

15 U.S.C 1681 section 604 Section 602 States a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 1681c. ( a ) ( 5 ) Sections 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 2020-08-06
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: Experian Information Solutions Inc.

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX-XXXX-XX/XX/XXXX-VER-CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX-XXXX-XX/XX/XXXX-VER-

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 2018-02-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TCF NATIONAL BANK

Complaint:
I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX .Dba XXXX XXXX  located in XXXX Fl. the Bill of Sale states the amount at $XXXX XXXX then created another Bill for $XXXX. XXXX submitted for the loan amount of the XXXX to the lender, this was on XX/XX/XXXX. The lender is XXXX XXXX XXXX in financing, this lender does not give me the appropriated credit for payments made. My payments are $XXXX  per month, I have been over paying re-guesting that the overage be applied to the principle, they refuse to do so. They are also applying the wrong amount as paid they are applying $XXXX to the principle instead of the $XXXX, and are applying $XXXX in interest. therefore my totals do not go down like they should, I have provided several hundred dollars in over payments with out getting the credit for them. The billing here is inappropriate and seems to be designed to keep me paying and extending the payoff, i believe that they are taking advantage of me and creating more of a financial burden for me by not accrediting my account with the appropriate credits.I did write to them requesting an audit of my account and received a response that was not satisfactory and they continue to do their funny numbers. I need help with this matter, thank you.
XXXX XXXX XXXX XXXX XXXX a tcf company, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX Account number XXXX. I am XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Fl XXXX, phone XXXX. According to my credit score the percntage rate that was given should have been lower.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation