hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-10-01
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 recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX  XXXX 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 2020-05-09
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:
Remove the items listed on my FTC reports

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 2020-07-01
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:
XXXX/XXXX  XXXXDispute XXXX  XXXXDispute XXXX XXXXDispute XXXX XXXX  XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXXDispute ftc violations sent over 35 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 2023-02-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
Dear Sir, I am a client in your esteemed bank holding checking account number : XXXX, due to some fraudulent activity my account was closed. That I do not owed Bank of America any money. 
Therefore, I would request you to reactivate a new account to enable me to proceed with future transactions. 

I ensure onward I shall take care and monitor my statement carefully, to hopefully prevent my card being stolen. 

Thank you in advance for your prompt attention to the issue.

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 2020-06-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY

Complaint:
I received a bill from TD bank for a late payment on a cell phone that was paid off a few months ago. My bill is of XX/XX/2020 XX/XX/2020. I'm not sure of the date but I called and paid in full a few months ago and now I'm getting charges with balances and late fees for a debt that was paid in full. I have tried to call TD bank at XXXX XXXX XXXX XXXX And I have waited on hold for over an hour with absolutely no response from TD. I have called on multiple occasion 's to try to resolve the matter and ice continued to be placed on hold. In order not to get charged and take a hit on my credit I paid their fees in closed my account. I am now worried that the next billing cycle I will get more charges on my account when I have paid my account in full on to occasion 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payments on these accounts because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because these are obviously billing errors, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and were considered past due. The disputed accounts are listed below. 
XXXX XXXX  Account # : XXXX Balance Owed : {$1500.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance Owed : {$7800.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Kohls Credit cards offer auto pay but instead of allowing you to make any w of payment they only off statement balance or minimum payment due. If you only pay the minimum payment due your accruing interest at almost the same amount as your payment. Ive called kohls credit service multiple times and theyve assured me that i can set it to a certain amount monthly just not on the mobile app. I was instructed to go to their website on a computer as the browsers are said to be different. They are not and there are no other options for payment. I feel this is a violation and I was lied to by multiple employees. All I would like to do is pay a set amount every month so that i can pay it off quicker and avoid paying so much in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK

Complaint:
In XX/XX/2018 I sent a certified letter to Discover Card, stating my job loss, XXXX XXXX diagnosis in XX/XX/2018 and XXXX XXXX diagnosis in XX/XX/2018. My only source of income is social security. My car is worth less than {$100.00}, I owe over {$5000.00} in back taxes and am over XXXX months behind in my mortgage. I also sent several other letters, stating that I am uncollectible for this debt and it needs to written off. Instead, Discover Card IS THE ONLY CREDIT CARD COMPANY WHO SUED ME! I'VE BEEN HARASSED BY XXXX AND XXXX XXXX, DEMANDING PAYMENT AND THREATENING WAGE GARNISHMENT, MY CAR, AND ANYTHING ELSE I OWN! 

My doctor is disgusted by this harassment of a XXXX XXXX XXXX female with such XXXX  health issues. I have lost weight, can't sleep, and my XXXX flare ups are severe. 

I am willing to take {$5000.00} for my pain and suffering caused by Discover Card and the attorney firm. Should they refuse I will do whatever it takes, including letting the media know of this harassment of the elderly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC

Complaint:
ON XX/XX/2019 I SENT MY 3RD LETTER REQUESTING ANY FORM OF PROOF OF DEBT FOR AN EXAMPLE DOCUMENTS BEARING MY SIGNATURE ON IT, DOCUMENTS WITH MY SIGNATURE STATING THAT I AGREE TO PAY THE FULL AMOUNT ALLEGEDLY CLAIMED AND ANY OTHER PROOF THAT I DO INDEED OWE THE ALLEGED DEBT. I ALSO REQUESTED THE VERIFICATION PROCESS AND INSTEAD THEY REFUSE AND SEND ME LETTERS STATING THAT THE INFORMATION IS VERIFIED AND ACCURATE. I AM NOT ASKING IF IT WAS VERIFIED OR ACCURATE I AM ASKING FOR PROOF AND YET THEY IGNORE MY REQUEST WHICH IS AGAINST THE FCRA LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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:
I called and sent out letters letting both companies XXXX XXXX XXXX and XXXX XXXX letting them know this account was fraud and not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I have received the comment back from capital one. They said that they check the ssn DOB, and address belongs to me. I will assume that yes, all those information belongs to me, if not then how are they going to open an account under my name? And the address that I used is showing on my driver license. That will be making more sense. Also, they mentioned about I make the payment under my name in XXXX account, I believe that I closed the XXXX  account before I went back to XXXX. As capital one mentions, that account also open fraudulently too. ( I will double check with BOA ). I went to boot camp in XX/XX/2019, I graduated in XX/XX/2019. We cant use our phone in boot camp, how am I gon na pay in XX/XX/2019?? That is very a very interesting question. If people have my information, they can easily open my account online easily. 
I also attached my military information below. You can See I went to military basic training In XX/XX/2019. Making a payment its not possible during boot camp.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
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: Experian Information Solutions Inc.

Complaint:
I contacted the clerk of court because there's a bankruptcy on my credit report and I asked them if they reported this to the credit bureaus and they send me a letter that they did not. I tried disputing this information and so far XXXX deleted this but Experian and XXXX are not deleting the information.

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 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
On several occasions I have asked Equifax Information Services LLC. ( EQ ) to investigate the accuracy of the information in my credit file, to wit account XXXX XXXX ( PL ) XXXX. EQ response to me is the same. On XX/XX/2019 and again on XX/XX/2019 ( via certified mail XXXX ) I sent EQ a SECOND REQUEST to have EQ remove the inaccurate information from being reported on my credit file within EQ database. 
On XX/XX/2019 EQ sent me a reply of We are currently processing your previously submitted dispute for this account ( s ) ; we will not be conducting further investigation into this particular account ( s ) at this time. ( Ref : XXXX  ) I am not asking EQ to process and or to conduct further investigation the  inaccurate information on my credit file. I am asking EQ to Remove the inaccurate information from my credit file that is being reported. 
I have already investigated the inaccurate information with XXXX XXXX and requested XXXX XXXX to remove the inaccurate information from my credit file, and to date, I have not received a response from XXXX XXXX. All of my communications with EQ and XXXX XXXX are documented via Certified Mail Receipt ; I have proof the information being reported is not accurate and I presented the evidence to XXXX XXXX and EQ that the information is not accurate ; and to remove the information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
I have disputed a dental bill on my equifax credit report. It was denied due to dental office provided record of my visit. I called dental office as well as cornerstone credit to explain my dispute. I did not deny visit my problem is this. 
1 ) the bill was sent to an address I lived at in XXXX so I did not know it existed. My husband and I currently use this dentist and they have our updated address so I dont know what they mailed something to an address from XXXX. 
2 ) the dentist at the time ( who is no longer with Office ) saw me to look at a denture he made that was giving me problems. He told me there was no charge due to circumstance of it not fitting properly. I was given the option to send to the lab for a few days with charge of around 500.00. I declined at the time because I couldnt afford it and did not want to be without it for 3 days at work. He put a temporary repair on it no charge until I could get a permanent fix. I did not know of or expect a bill for this. 
I disputed and was denied due to dental office providing proof of service I resubmitted dispute under the information I just provided to you On XXXX The estimated time for dispute under equifax web sight for investigation to be complete was XXXX XXXX XXXX. Checking the status of that dispute it was never completed by equifax. As of today XXXX XXXX XXXX conformation # XXXX Is still showing a pending status and has he ever been investigated. I did resubmit a dispute XXXX XXXX XXXX for the same debt and it was denied again. I believe my dispute should be granted due to the fact that the XXXX dispute was never completed properly according to my rights as a consumer their job was to investigate and complete investigation within a timely manner. It has not been completed as of this day. As far as my most current dispute on same credit issue I am disputing the conversation the doctor and I had about not charging me for the visit, as well as the mail not being sent to the appropriate address. The staff in the office currently are all mostly new as they had a huge turnover since my XXXX visit. When I talked to a lady in reception at dental office she encouraged me to dispute this, as according to her files are so messed up from old staff, I am still trying to fix things, we have found so many errors its a nightmare. I wanted the dentist no charge promise investigated and the problem regarding mail not being accurately mailed to me to be looked at I would like my disputed granted due to incomplete investigation from XXXXXXXX XXXX and would like proof of current dispute that was denied was investigated properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
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 a victim of identity theft, and I did not make or authorize these inquiries with XXXX XXXX inquired on XX/XX/10.2018. 

Several - over 15 addresses were listed that were NOT mine and addresses I never lived at. Someone tried to use my name and information and apply for credit cards. Many hard inquiries were pulled and my name was listed incorrectly with an incorrect phone number I've never had. 

I called the credit bureaus and lenders to fix and put a freeze on all my accounts. I've ordered all new credit cards and filed a police 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 non-monetary relief
Consumer complaint received 2023-07-28
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: Experian Information Solutions 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 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 explanation
Consumer complaint received 2023-05-10
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: Bread Financial Holdings, Inc.

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to request the removal of a charge off from my credit report. The negative marks are having a significant impact on my credit score and decreasing my chances of being approved for loans, credit cards, and other financial products. 

The charge off occurred due to a recent change in my living situation. Starting in XX/XX/2022, I was homeless for three months and was unable to make payments on my account. As per UCC 2-725, this situation falls under the category of " impracticability of performance '' as my ability to fulfill my financial obligations was hindered by circumstances beyond my control. 

I understand that charge offs can remain on a credit report for up to seven years, but I am hoping that the circumstances surrounding my situation can be taken into consideration. I have since secured stable housing and am working to rebuild my financial stability. 

I appreciate any assistance you can provide in resolving this matter and thank you for your attention to this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.

Complaint:
XXXX is charging for time usage on cellular numbers not used. I have disputed this several times, yet they do not send me documentation to back this debt because there isnt. How can I owe money when I didnt use their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
there are few inaccurate reporting on the credit report for the following account, XXXX card acc # XXXX, date openedXX/XX/XXXXplease find attached the upload letter from the creditor for which they have approved to remove the inaccurate lates reporting on my credit file. 
i have already forwarded the letter from creditor to all three credit bureaus and requested to remove but they have not, i need your help in order to do so. 
thank you for your cooperation

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 2022-03-20
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 XXXX XXXX, I have recently reviewed my credit report and noticed several unauthorized and inaccurate inquiries reported to my profile. Pursuant to 15 USC 1681b, when the consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am demanding these inaccurate inquiries be investigated and removed immediately. 
INQUIRIES : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
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:
I have two accounts that are reporting on my Experian credit report incorrectly. Neither XXXX or XXXX is reporting these accounts. I've been going back and worth with both Experian 's CS Reps and Supervisors to get this issue resolved to no avail. The last straw was a few minutes ago when the Supervisor XXXX was very rude and condescending to me, over the phone. I attempted to ask him how the bank verified I had a loan for a mobile home and he stated they didn't have to verify that information with them. They allowed me to continue to dispute the accounts listed below and they refusing to correct the errors. 


The accounts in question are listed below : * XXXX  XXXX XXXX XXXX - Mobile Home Loan Someone changed the type of account and the last date of last activity. I NEVER had a Mobile Home with XXXX XXXX XXXX XXXX XXXX. I had a Credit Card that is supposed to fall off this XXXX but they changed my date of last activity to XX/XX/XXXX. The last date of payment was XX/XX/XXXX. 

* XXXX XXXX XXXX - Credit Card According to the credit report I pulled in XXXX, this account is scheduled to fall off in XXXX. However, some has changed the last date of activity in their system o reflect XX/XX/XXXX which is incorrect. The last date of payment was 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