hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX account number ending in 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 2023-04-03
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: LEXISNEXIS

Complaint:
I filed a letter with XXXX in XXXX  a year ago letting them know they were in violation of15 US CODE 1681b ( a ) ( 1 ) ( 2 ) as i never gave them permission to report a bankruptcy on the credit report, i mailed them a letter from the bankruptcy court that said the court does not publish or sell that information. so the only way XXXX & lexis nexis could have obtained my social security to verify it was me is if a third party obtained my information and social security number illegally which is identity theft and fraud. 2nd XXXX is in violation of 15 US CODE 1681e ( b ) for accuracy as XXXX XXXX XXXX and XXXX  are reporting completely different information about the bankruptcy and debts and collections. all of the collections were not authorized by me i never gave them permission to report these accounts. Lexis Nexis is also reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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: EQUIFAX, INC.

Complaint:
Equifax responded XX/XX/XXXX to my CFPB complaint XXXX, that the disputed accounts are verified via the creditors. Thats a violation of section 603 ( e ) to have on my credit record any factual information that came directly from the creditor. Equifax also violated FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) for not sending a notice that I can request a description of methods & procedures used to determine accuracy. I am now requesting specific description of reinvestigation procedures used to determine the accuracy and completeness of the information given. Per section 611 ( a ) ( 7 ) within 15 days of this notice to provide those descriptions of methods and procedures. As Equifax has a responsibility to go above the original source ( the creditors ) of the information to conduct a reasonable reinvestigation under 1681 ( i ) ( a ) and do a independent investigation into my dispute which they failed to do. see : Cushman V. Transunion 115 F.3d 220 ( 3d Cir. XXXX  ). Only the consumer can verify any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
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: Experian Information Solutions Inc.

Complaint:
Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to 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 2019-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
all 3 credit bureaus are reporting a public record on my credit that I have no knowledge of and I haven't given no one including third party companies written permission to obtain any information on me and no judicial system releases  information to second or third parties because its illegal and I can sue them.

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 2019-06-07
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:
XXXX is reporting incorrectly a collection to XXXX ; Experian and XXXX for an account with a balance of {$560.00} on the XXXX partial account number XXXX. ( Please see page 4 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation. Please remove this line item from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT HOMEBRIDGE XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Mortgage Mortgage Mortgage Account Type - Detail : FHA real estate mortgage FHA real estate mortgage Real estate mortgage Bureau Code : Individual Individual Individual Account Status : Transferred Transferred Transferred Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$240000.00} {$240000.00} {$240000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Transferred to another lender Transferred to another lender or claim purchased. 
Account transferred or sold Real Estate Mortgage Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK XXXX Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK XXXX Equifax OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
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: EQUIFAX, INC.

Complaint:
To someone in a position of authority, I am making a formal complaint because The Department of Veterans Affairs has placed information on my report without my consent, and without validating the debt. I reached out to the department over 4 months ago and I still have not received a response. I informed them that they were violating 15 U.S.C. 1681a ( 2 ) ( B ) as they were supposed to exclude information from my report that was authorized by a credit card. I informed them of this violation and they have not responded to my correspondence. Additionally, I asked them to validate the debt they are reporting on my consumer report with XXXX  and Equifax ; I made a formal complaint with XXXX, Equifax, and the Department of Veterans affairs and they all failed to show proof that this debt that they are reporting belongs to me. Because they failed to validate the debt with sufficient proof, they are in Violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. If I continue to be ignored about this matter I will proceed to seek litigation and remedy for {$1000.00} per violation for defamation of character, Negligent Enablement of Identity Fraud, and Violations of 15 U.S.C 1692g. I demand these accounts be deleted from my experian report within 5 days, or I will move forward with litigation and remedy. I also demand that that an updated report be mailed to me. Any actions taken to hinder my consumer report will also result in me seeking litigation and remedy. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc.

Complaint:
I have unauthorized credit inquiries on my account. they are below. 
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 2021-09-07
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:
It been over 30 days no response for XXXX, Transunion and XXXX on fraud account report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint:
I had used a credit card from Citizens Bank in XXXX XXXX NY on XX/XX/2022 for a gravestone for my husband who passed away XX/XX/2022 to XXXX XXXX for an initial payment of $ XXXXUpon checking the balance of my checking account for more than a week, I found out that {$1000.00} were twice deducted on XXXX called the customer service of Citizens Credit Cards on XX/XX/2022 and spoke with XXXX via phone and told me that the {$1000.00} will be refunded/returned to my checking account within 4 days and I told her as well that I have some autopay due within that time. After 4 days the {$1000.00} was not yet returned to my checking account and my outstanding balance was {$3.00}. I tried to call the customer service of the bank and even went personally to the bank but the answer was to try to call the Credit Card Customer Service. On XX/XX/2022 an agent of Citizens Debit card named XXXX and XXXX yesterday from their chat web were both contacted with no avail to my problem

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC

Complaint:
My XXXX XXXX, XXXX and XXXX credit files have ( 3 ) accounts reported that do not belong to me. I have requested a reasonable investigation and my request has not been addressed.

These ( 2 ) accounts seem to be the same account and it's being reported twice and furthermore ; I have no recollection of neither these accounts. I am demanding an investigation and a full history of the accounting, any bill of sale or service contract bearing my signature.

1- XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Last Payment Made : XX/XX/2017 2-XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ORIGINAL CREDITOR XXXX XXXX XXXX ( Retail ) Past Due : > $ XXXX<

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.

Complaint:
On XX/XX/18, I received 2 small packages in boxes from " XXXX XXXX '' each containing a gold-looking cross and a statement showing the value of each cross to be {$170.00}. The problem is, I did not order the crosses, nor, have I ever done any business with any XXXX XXXX company. 

I was actually away on vacation when the packages arrived and my mail was on hold. When the held mail was delivered, there were two letters dated XX/XX/18 thanking me for my order and informing me that they could not process the order without advance remittance. However, the dollar amounts were different on each invoice ... one was for XXXX ( which was the price of the cross on the order form ) and one was for {$240.00}, which I have no idea what that is about. I also received another letter dated XX/XX/18 with the same verbiage, however, that letter was referencing a charge of {$400.00} for some other apparent merchandise which I did not order, nor, did I receive a package! 

On XX/XX/18, the day I returned home, I called the customer service number on the order slip and spoke to " XXXX '', explaining that there has been a mistake because I did not open an account with XXXX XXXX or order these items. He stated he was submitting a report to the company Fraud Dept and I would receive instructions about returning the products within 7 days. 

I have e-mailed the customer service for both XXXX XXXX and XXXX XXXX and have not received any information from either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX ; XXXX and Transunion are reporting incorrectly that I am in 'charge off ' status for the XXXX XXXX ( page 32 of the attached credit report ) partial account number XXXX. I contacted XXXX XXXX at the customer service number and the representative told me they could not locate any records of this account in their system. This incorrect reporting is harming my credit score.

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 2019-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX did not provided adequate verification for debt question. No documents were provided showing a contract or signature

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 2023-02-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.

Complaint:
Lvnv funding LLC / XXXX XXXX XXXX this debt collection is still on my credit report but have been paid and should be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
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:
I have an account with XXXX XXXX and they have a late reporting on my credit report. XXXX XXXX   charged me for overdraft protection that I never signed up for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.

Complaint:
National Credit Systems , INC is reporting a debt of {$1800.00} from the original creditor XXXX XXXX XXXX. I was not notified of this debt prior to it being reported to credit bureaus. I have also requested validation of debt or a contractual agreement that this debt is owed and have not received any communications from creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
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: EQUIFAX, INC.

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I have a home equity loan with Bank of America and have been treating unfairly. I have tried to resolve the issue with them, but the person I was assigned to investigate, XXXX XXXX, XXXX XXXX, XXXX XXXX, refuses to return my call ; I was informed it is the correct direct phone number. 

Bank of America XXXX XXXX XXXX would send me letters stating I did not have Flood Insurance and purchase the flood insurance from my home equity loan. I would fax proof of insurance, but they have never credit back my home equity loan. I had the representative from my XXXX XXXX XXXX on a conference call with me, the agent from Bank of America became unprofessional ( talking as if she did n't know what to do ). 

I received a letter, stating my account was " charged off '' ; I have been calling XXXX XXXX to explain what this means, but she never returned my calls, which resulted me to calling the home equity customer service and was told it means the account is paid off. Now I am being reported to the Credit Bureau for non-payment. 

I found my last notes, whom was with XXXX, BOA, stating charge off means we owe XXXX and will be able to make payments without interest until balance is paid and I paid XXXX by phone. However, I was not able to make any future payments because XXXX and XXXX stated my account showed it was paid out. 

I have been informed that my credit report shows that I have not paid Bank of America over a year. I also received a threat stating that I will never be able to transfer this loan. 

I just want my home equity loan from under Bank of America and placed with my mortgage company. I will be very, very happy and a satisfied customer, because my credit will be perfect again.

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 2023-03-20
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:
I have been writing letters trying to remove the late history and my hard inquiry and as I was going over 15 usc 1681 that it is illegal to report it

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 2020-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION

Complaint:
I had been furloughed due to Coronavirus shutdowns. On XX/XX/XXXX, I contacted my student loan private lender since I had mailed my loan payment but due to no longer being employed I am unable to make the 2 large payments I had intended. Since the checks had already been sent for deposit they advised I stop payment. My bank charged me 2 stop payment fees of {$35.00} for a total of {$70.00}. I called and discussed the circumstances and hardships I am facing. Initially I was told Id have to wait for the fees to be applied. As a member for over 15 years, I called again on XX/XX/XXXX and asked for fee forgiveness considering the unprecedented events. They were unwilling to consider forgiveness.

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