hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
There is no purpose for these credit reporting companies to continue carrying information from old accounts on a credit report. It is done as punishment to keep credit scores low, although an account is paid in full and closed. They want people to buy their " products '' that will raise scores. It should be illegal for credit reporting companies to keep anything on a person 's report after an account is paid and closed. Maintaining something on a report for seven years is ridiculous. If you want to believe XXXX sayings about debt after seven years, go ahead but do not force the rest of us to live by it. Also, the credit scores fluctuate a tremendous amount for the smallest amount of activity on credit cards. Credit reporting agencies are a major reason for why people stay poor and are forced to pay higher interest rates. It is all so a corrupt and our government allows this to happen.

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 2023-05-13
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: WELLS FARGO & COMPANY

Complaint:
My ex husband took out a car loan in his name only. It shows as a joint account in my credit report and that is incorrect. The vehicle was repossessed voluntarily by him. The account was with Wells Fargo auto loans opened in XX/XX/2015. It needs to be removed from my credit 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 2021-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have perfect credit but a collection has showed up. I contacted the company and I didnt get much but it being a medical bill. It very much doesnt sound like me.

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 2023-04-18
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'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 2018-06-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint:
PLEASE BE ADVISED THAT I AM SUBMITTING A TOTAL OF ( 5 ) COMPLAINTS THAT ARE TOTALLY DIFFERENT, SO PLEASE READ THEM IN THEIR ENTIRETY. HOWEVER, IT'S IN ALL CAPS BECAUSE I WANT IT TO STAND OUT. THANKS!

Experian has failed to respond to my dispute within the ( 30 ) day timeframe that's required by law according to FCRA 611 ( 15 U.S.C. 1681I ) ( a ) ( 1 ) ( A ). However, it's been approximately ( 118 ) days and no response yet.

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 2021-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.

Complaint:
****My LAST 4  SOCIAL XXXX, the system kept saying I put XXXX  # s in the XXXX social # field. XXXX I started getting letters from lawyers office saying I'm being sued by a debt collector because I owe XXXX  XXXX {$13000.00} for a account that was opened in XX/XX/XXXX, charged off XX/XX/XXXX ... I used to have a XXXX  XXXX account bout 10 years ago, limit was round $ XXXX, I never had a credit with a limit that high. I closed the account because of fraud and identity theft issues that kept happening. I have no knowledge of the balance/account they are saying I'm being sued for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rent Recovery Solutions

Complaint:
RENT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX have a a unverified account from. I had previously disputed this account. I have never done business with RENT RECOVERY SOLUTIONS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt RENT RECOVERY SOLUTIONS purport I owe. I request that RENT RECOVERY SOLUTIONS Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that RENT RECOVERY SOLUTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I am requesting to remove XXXX XXXX account from my Equifax report. The reason is some body open that account instead of me and used it. I did not know about existence of this account. I did know about lateness also. Right know this account was closed by credit grantor. Please remove it as soon as you can because it is not mine and never belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
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:
XXXX XXXX XXXX XXXX ( # XXXX ) {$26000.00}, ( XXXX ) {$11000.00} XXXX XXXX  ( # XXXX ) {$560.00}, XXXX XXXX XXXX XXXX  # XXXX ), ( # XXXX ), XXXX XXXX XXXX ( # XXXX ) {$750.00}, XXXX XXXX  ( # XXXX ) {$23000.00} XXXX XXXX  ( # XXXX ) {$10000.00} XXXX XXXX XXXX XXXXXXXX ( # XXXX ) {$1400.00}, XXXX XXXX ( # XXXX ) $ {$430.00}, XXXXXXXX XXXX XXXXXXXX ( # XXXX ) {$560.00}, XXXX XXXX XXXX XXXX ( # XXXX ) {$1200.00}. 
In accordance with the Fair Credit Reporting Act these above companies have violated my rights 15 USC 1681 section 602 ( A ) states that i have the right to privacy. 15 USC 1681 604 ( A ) section 2 also states that a consumet can not furnish my account information without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.

Complaint:
I received a letter onXX/XX/XXXX from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX. This in the return address window of the letter.
The reference number of XXXX was given for this notification for XXXX XXXX XXXX  ( against my company that Closed on XX/XX/XXXX with no liens or balances owed. ) The letter explains that it was advised to collect {$110.00} within 10 days to avoid cancellation of privileges.
I called, from my cell phone, to ( XXXX ) XXXX on XX/XX/XXXX at around XXXX - spoke with XXXX XXXX , not very clear. She asked for the RE number mentioned above, I complied.
Then XXXX asked for my personal social security number.
I refused to comply for reason 1. ) It was for my company, but she did n't ask for nor care about the Federal Tax Identification number - which seemed to be a red flag, at this point.
She told me that if I would not give her my social security number, not my FTID, then she could not assist me. At this time, I informed her if they believe that they are owed money, they need to send an itemized statement for my review. XXXX said that they can only provide information if I give them the information that they were asking for ( my social security number ).
I terminated the call with XXXX XXXX at ( XXXX ) XXXX.
I immediately contacted my credit card service representative at PNC and I confirmed that my account was closed with no money owed. XXXX XXXX, customer service at PNC sent a letter confirming that my account was closed on XX/XX/XXXX and no further action has been taken by PNC to pursue collections.
I also have documentation from PNC showing that my business banking account was closed on XX/XX/XXXX, and not further action was needed nor money owed.
In addition, on theXX/XX/XXXX banking statement it was documented that my contract with Merchant Services was met on XX/XX/XXXX.
In researching the information from this company, I have found that they misspelled the city and the address that is provided seems uncertain for what they claim to be.
As explained before, if I owe money I should received an explanation of what the charges are for shortly after my contract expired.
Since this communication via telephone, I have received a calls to my previous business line from ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX - no message was left. And another call from ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX where the same person that I spoke with on XX/XX/XXXX now identifies herself as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION

Complaint:
Hello, On XX/XX/2023 I called Regions bank when I noticed my bank cards and my phone were stolen, which also had my debit card inside. I immediately told the customer representative that I wanted to place a lock on my card. I was also told that {$2900.00} was stolen out of my account. The Regions customer representative told me that the investigation would take up to 10 business days. About 15 days have passed and I haven't received any type of update about my claim. 

I called Regions bank again on XX/XX/2023 to check on my claim since I have not received any update via email or XXXX and I was told the claim was denied, I proceeded to ask why and the representative told me because I authorized the payment. I told the representative " No I didn't '' I was unaware of the charges and I was never contacted about making the charges to my account so how is that possible? I was told a text message was sent to my phone and it was authorized. I told the representative my phone was stolen like I told a Regions Customer Representative on XX/XX/2023, so it's ridiculous that it was denied when I didn't have my phone to even authorize the charge. The representative I spoke to on XX/XX/2023 told me that the information was then added to the notes and I would have to wait another 10 days for the claim to be investigated. I wasn't even in Georgia at the time of purchase, I was in a different state. I attached my flight itinerary on the complaint It's ridiculous that the first I spoke to didn't take good notes of my investigation the first time, otherwise Regions would know that I didn't authorize those charges because my phone was stolen. Now I am late on my school tuition and have to pay late fees because my money was stolen.

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 2020-07-21
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:
I have sent information to the bureau about a XXXX XXXX  account that i had to submit a claim to you about but now Experian will not fix it in my credit bureau. XXXX  and XXXX XXXX have but Experian has not. Please help. I have even sent them the letter from XXXX to delete the account and still nothing.

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 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.

Complaint:
XX/XX/2023, Chase slate card terrible refill to me, even same amount not refill once, refill many times to my account, very clear cheat money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
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: AFNI INC.

Complaint:
I have been trying to resolve an account with the company AFNI, inc. The account number with AFNI is : XXXX. I have written a letter in XXXX of 2020 to this company regarding rectifying this account and I have not received a response. I have also sent letters in XXXX, 2020 asking for verification and method of verification for this account. THIS COMPANY DOES NOT RESPOND TO MY LETTERS. 

I have also disputed this account with XXXX  and XXXX  both online and written letters. This account was disputed in XXXX of 2020, and nothing has been done to rectify this. The account number for AFNI on my credit report is : XXXX. This account with AFNI has been removed from my XXXX   report. This account is inaccurate and falsely reporting because it is not a validated account according to the FCRA and has already been removed from my XXXX report because of this reason. I am requesting that the item be deleted to correct this information. Please do a full investigation of this item and delete disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
I requested from XXXX XXXX a statement or the letter of approval from the year XXXX THE ORIGINAL DATE these credit card were OPENED AND NOT SOLD. 

AGAIN, I do not need a confirmation of when the account was sold to PORTFOLIO RECOVERY IN XXXX. 


I NEED from XXXX  XXXX WHEN THIS ACCOUNT WAS ORIGINALLY OPENED!!!!!!!! 


APPARENTLY, THE WANT TO IGNORE MY ORIGINAL REQUEST OR SWITCH AND BAIT. 
AGAIN XXXX XXXX I NEED A RECORD OF MY ORIGINAL STATEMENT OR THE LETTER OF APPROVAL FROM XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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:
Around early XXXX I contacted the XXXX fraud department to update some inaccuracies on my credit report. There seems to have been a mix-up on the agent 's end as he deleted my current residence in error as there were multiple addresses similar to my current address. This was made in error my current address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX Since then, I have not been able to access my current credit reports and scores. I have provided the documents that were requested by XXXX to verify my identity. I am in the process of purchasing a home, this is affecting my purchasing. 

There are also fraudulent items that do not belong to me, and I have included my FTC in my previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
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:
Concurrently I am trying to resolve the issue with the collection agency. They are listed as XXXX XXXX and I have looked for their ability to legally collect in the state of Arizona through licensing and being bonded in accordance through AZ law, and IRS regulations along with validity of the original debt and signed contracts through the Credit Reporting Agency 's XXXX  and TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Product: Credit reporting 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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.

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 2021-11-24
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit XXXX the date of the last letter was on XXXX XXXX, 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Garcadia Financial LLC

Complaint:
For years, Foursight Capital ( sp? ) has harassed me with phone calls to collect a debt on people that previously had my phone number, but have not had this number since 2016 or so. After numerous attempts to have them update their files and remove me from their call lists, I have given up, and will no longer talk with them. As a senior citizen, I resent their invasion of my innocent privacy, and their recalcitrant insistence on thinking that I will pay a debt that I do not owe. They will never get a penny from me, but I do look foreword to seeing them in court, and receiving damages from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY

Complaint:
I have a fraudulent charge on my credit card. I called AMEX and reported it as fraud on XX/XX/XXXX. I explained to them that I did not make this purchase and have examined my XXXX account in great detail to ensure that it is in fact fraud. They still haven't removed the charge from my account and are refusing to help me.

Company response to consumer: Closed with monetary relief