hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-06-01
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:
I am a Victim of ID Theft and I am very concerned with XXXX and knowing that I filled a police report about all of the inquiries that XXXX  allowed on my credit file, over 100 inquiries that interfered with my credit file and companies requesting my information. I sent a police report before to XXXX and my score is the lowest with this company. It is around XXXX and I want to know why, I am asking for my credit file to be updated and investigated and my credit file adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
XXXX XXXX and Experian has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 

Waiting for a Reply, 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 2022-07-14
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:
In accordance with the Fair Credit Reporting act XXXX 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 In accordance with the Fair Credit Reporting act XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX 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

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 2023-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I have both a business and personal account at Bank of America. I have had accounts with Bank of America for over 25 years. The business account is XXXX XXXX and XXXX XXXX XXXX XXXX and the personal account is XXXX XXXX XXXX. 
XXXX. On XX/XX/2023 {$6900.00} was fraudulently transferred out of my business account to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX. This person is not known to me and the address is a rundown property in foreclosure. The transfer was not discovered until XX/XX/2023 at which time the Fraud Dept. at BOFA was called and a complaint was filed. No 'recipient added ' notice, nor the code notices were received for the fraudulent person and the transaction. I followed all instructions from BOFA about changing passwords, etc., when instructed that day. 
Paperwork was sent to the Fraud Dept XX/XX/XXXX, XXXX It was Denied. Paperwork was refiled after a police report was made. 
2. Another attempt was made to transfer {$10000.00} on XXXX XXXX. I received a notification and called the bank and the Fraud was stopped. 
3. Personal Saving account- On Friday XX/XX/2023 I checked my balance which was {$10000.00} in the morning before running payroll. I deposited several checks into my business account and went back into the account on my computer to pay payroll. My saving account showed {$1100.00} and that {$9500.00} had been transferred out to a XXXX XXXX. I immediately called BOFA to stop the transfer, they said the best they could do is file a claim. I did not receive again the notice of 'Recipient ADDED ' or that a transfer had been made, which is what happens when a transfer had been made. The funds transferred back into my account on Monday, XXXX XXXX at which time BOFA did a FORCED DEBIT to the fraudulent account even though the account had been locked down on the previous Friday. The Fraud complaint has never been responded to to date. 
TO DATE : I have not had any of my funds returned to me. It is apparent that Bank of America 's online system is not secure and can easily be overridden. Bank of America is uncooperative in responding. Calls are made to follow up on the Fraud, and you are kept on the phone for over an hour as you are transferred from one person to another. Please advise what to do. 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 2020-06-17
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 credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. FSTPREMIER XXXX {$610.00} XXXX XXXX {$14000.00} XXXX XXXX {$23000.00} XXXX XXXX {$960.00}

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 explanation
Consumer complaint received 2017-08-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
Disputed an Equifax report inXX/XX/XXXXwhere I disputed a foreclosure on my report however the account could not be verified by the correct mortgage company. Equifax is stating that the account was verified however I have a letter from XXXX XXXX stating they have never been in control of the account which was held by XXXX XXXX. XXXX went bankfupt in XX/XX/XXXXtherefore the account can not be verified with the dates, loan amounts etc ... .This is required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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:
This is XXXX XXXX submitting this another CFPB Complaint to request to the Credit Reporting Agencies once more to investigate the following accounts and remove them from my credit file. I am submitting this CFPB Complaint in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining accounts to be removed : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. P

lease tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. Account Name : US DEPT ED Account # : 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 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.

Complaint:
I have had trouble with this account due to their system error that gave incorrect amount of days that my account was past due that caused me to pay over 30 days late and I also was told by one of their representatives that if I paid by XX/XX/2017 it wouldnt reflect a late payment. I have disputed with credit bureaus and have asked the company to fix this since they had a system errors. Multiple representatives have verified that they had a system error but still havent fixed this. I have been working on this since it happened on 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 2022-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
Bank of America I noticed an inquiry on my credit report and the next day received a checking account statement for an account which I did not open.

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 2021-04-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.

Complaint:
Since we are experiencing a national pandemic. I believed it would be a good idea to keep an eye on my credit by signing up with XXXX XXXX and XXXX XXXX. On XX/XX/2021 I received an alert from XXXX XXXX. The notification advised that Southwest Credit Systems flagged my credit report. I contacted Southwest in regards to this alert because I had/have no knowledge of the account ; the account holder ( Southwest Credit ) failed to verify this debt prior to reporting ; although, they had/have my current address on file ( and this was confirmed by a customer service representative as well as a supervisor ; also all phone calls are recorded so this can be confirmed that they had my " current '' address ) - yet they mailed the correspondence to a over five year old address. I feel as though, since Southwest had my current address they could have validated the account ; however, they decided to go another route which I look at as a scam tactic - which is shameless since we are experiencing a pandemic and money is tight for some.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
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: CITIBANK, N.A.

Complaint:
I made a reservation for a stay at XXXX XXXXXXXX for XX/XX/2019. 
On XX/XX/XXXX i utilized the link in the XXXX confirmation email ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.in English now you can cancel until the moment of checkin ) .. i received a screen displayed message stating that the reservation had been cancelled. The reservation was removed from my list of active reservations and when i entered my confirmation number into the system i again viewed the message that the reservation no longer existed. 
The XXXX, citibank, and XXXX are indifferent to my appeal and have charged me {$310.00}. A simple XXXX search reveals that others have met the same injustice.

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 2018-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.

Complaint:
I was extended a credit account by Citibank to purchase furniture at XXXX ; however the 1st issue arose when the credit slip they presented to me for signature did not match the terms they agreed to give of 0 % financing for 18 months. I started to sign the slip only getting as far as the A-L of my 1st name and then told the sales rep I did not feel comfortable signing it and wanted confirmation in writing from Citibank that the terms promised would be honored. Well needless to say the 1st letter I received from Citibank stated the terms were under review and I would be notified of their decision within two billing cycles. At this point I felt I was being mislead and told XXXX to cancel my order. I sent a dispute to XXXX and Citibank to request a refund. XXXX gave me back my money, but Citibank is still attempting to hold me responsible for merchandise I DO NOT HAVE and more importantly did NOT authorize be charged. 

The results of there 1st investigation simply stated XXXX does not allow cancellations or refunds???? So I requested they re- investigate because 1. I did NOT sign the credit authorization AND 2. Never received any merchandise for XXXX Lastly, I have been receiving statements stating I am required to make payments although the entire balance is under dispute AND I have yet to receive a response since I faxed the documents to them on XX/XX/2018. That is over 60 days!

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 2023-03-27
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 XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ( Original Creditor : ) XXXX Balance : {$300.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-05-29
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: Experian Information Solutions Inc.

Complaint:
I monitor both my FICO credit score and Vantage credit score for all three credit reporting agencies, XXXX, Experian, and XXXX. On XX/XX/2023, my XXXX credit score using the VantageScore 3.0 scoring model decreased XXXX  points from XXXX to XXXX without any significant change in my credit report data and without any explanation provided as to what would cause such as significant drop. On XX/XX/2023, my Experian credit score using the XXXX XXXX  scoring model decreased XXXX  points from XXXX to XXXX without any significant change in my credit report data and without any explanation provided as to what would cause such as significant drop. These are very large score drops, and as result I am questioning the validity of this scoring model and it's use by organizations.

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 2017-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.

Complaint:
all of the above- refuses to dismiss as fraud when the company decieved me. 
onemain has not proven that they bought the account from a 3rd party collector.
takes 90 days ( limit is 30 ) to respond to challenges and then continues to refuse to remove negativity.they were contacted by XXXX XXXX and refused to them also for 9 mos. 

since the company defrauded and decieved me then refused payment twice from legitimate banking info- I REFUSE TO PAY THEM. I have the RIGHT TO REFUSE under FCRA. 

therefore account must be deleted. keeps reporting as " in collections '' to the bureaus despite multiple legal demands. DEBT IS NOT OWED. THIS IS EXTORTION.

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

Complaint:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.

Complaint:
Debt is {$2000.00} and I have no idea what its for but I don't have any money for that and its just a matter of what is going on in my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAC Financial Corp

Complaint:
I never received a bill, so I contacted XXXX ( XXXX XXXX XXXX ) XXXX and requested an itemized statement to be mailed. A statement was never mailed or received. Instead they send the balance to CAC Financial Corp, a collections company. My payment was mailed on XX/XX/19 and cashed by XXXX  on XX/XX/2019. I  contacted XXXX and they told me even though I read off the information regarding the check being cashed that I had to prove to them that they had indeed cashed it by emailing the cashed check copy. I have done so and their collections company is still falsely reporting this bad credit when in fact it has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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 applied for a car loan through my bank and through XXXX credit. Both advised me Transunion reported my score as a XXXX. My score with transunion has been over XXXX for the last few years On line the score was over XXXX. When they did the hard inquiry I saw the score change to XXXX in real time. There is obviously a mistake in Transunions reporting. I called Transuion and was advised there was a big discrepancy between a XXXX and my actual credit score which in fact much higher. They were going to send verification via email but I have not received anything yet. I called a second time today and they advised me that I needed to file this complaint. This disinformation from Transunion cost me points on my loan application and a great deal of cash over the course of the loan. I NEED Transunion to fix this and send me confirmation.

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