hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-07-06
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: EQUIFAX, INC.

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX  New Inquiries XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc.

Complaint:
Moneylion, INCXXXX has been contacted multiple times since XXXX 2019 by consumer. The bank has not responded to any attempts. Consumers payment information changed and needed to be udated but the bank did not provide an opportunity to change the information, this action led to the account becoming past due. Although the bank never attempted to resolve this matter with the consumer, and the consumer attempting to, the bank has reported negatively to the credit bureaus. Consumer contacted bank to both remove the false information on credit report and resolve account payments, to no avail. Consumer has no other resources other than legal help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL

Complaint:
I applied for a Wal-Mart Store Card on XX/XX/18 which is offered through Synchrony Bank out of XXXX FL. On XX/XX/18, I received an electronic letter informing me that my application was denied because of some key factors that adversely affected my credit score. 

My complaint is the credit score Synchrony Bank pulled on me is inaccurate. My credit score with the 3 credit bureau 's are higher than what Synchrony Bank has reported. Another key factor that adversely affected my score with Synchrony is " Too few open end accounts ''. This is inaccurate based on my credit scores listed with the credit bureaus. The bureau 's report the following open accounts which are in good standing and current ( i.e. Student loans, XXXX  XXXX Credit Card and XXXX Credit Card ). 

When I search the address for Synchrony Bank online, it doesn't give an address in Florida and I'm concerned that the address given for Synchrony Bank on the letter that is listed in XXXX Florida is incorrect. 

Synchrony Bank states that my credit is XXXX. The 3 credit bureau 's report my credit score 's over XXXX. Your assistance on resolving the big gap in scores is greatly 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 explanation
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/XXXX, I went into XXXX XXXX XXXX in XXXX XXXX Illinois. I understood that they would need to pull credit report to finance the car. Om XX/XX/XXXX I pulled a free credit report from Transunion that showed 6 hard hits, 3 being the date on which I purchased my car. On XX/XX/XXXX, I called Transunion regarding the 3 inquiries  dated XX/XX/XXXX, from XXXX, XXXX, XXXX XXXX, I stated why is it showing 3 hard hits, it should be one because it was a car loan. They stated there is nothing they could do that I would have to call the individual inquirers to straighten it out. I call XXXX, who informed me it was the Car dealership to remove the inquires that they knew how to do it. I call them and spoke to someone in finance who informed me that of course my score would be lower I have a new loan. I informed him, I already went through the " dip '' of a new loan and this had to do with the inquires. He told me that XXXX would call me. I was unable to speak with XXXX on Friday XX/XX/XXXX when he called. I went to pull the report from XXXX XXXX to pull the report which sent me to you through an article that they had on file. I spoke with XXXX from your office on Monday. I am attaching the copy of the XXXX XXXX report. Any assistance will be greatly 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 explanation
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2022-01-11
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 a formal complaint that you are reporting inaccurate and incomplete credit information. I demand that the following account be removed immediately : XXXX XXXX XXXX  Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX This collector or creditor did not provide HIPAA release to be able to collect on this debt. I am proceeding with legal action, should this item not be deleted within the required time by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
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 am writing this due to non-compliance with the CRA ( Transunion ). I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the accounts are accurate but have not produced any documents. There is no way that these tradelines is reporting accurately. I wrote them on XX/XX/2020, along with a copy of my credit report outlining the inaccurate information and they responded on XX/XX/2020. I do not believe that they did a proper investigation in this matter.

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 2023-08-27
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Hello team, Am trying to solve this issue from more than 4 months ago, you are waiting my name and my financial future, am trying to build my financial future, am communicating with you TransUnion and XXXX XXXX from approximately 4 months and nothing till now, XXXX results, I want my auto XXXX loan to be effective on my credit reports on a monthly basis, I just get hard inquiry from XXXX XXXX and 2 other finance companies, XXXX XXXX sent my informations already to TransUnion as they requested and I'll upload the email here, TransUnion is not responding to XXXX XXXX emails or my emails, I will upload also what TransUnion applied with the last dispute here.

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 2018-07-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ray Klein, Inc.

Complaint:
I recently checked MY Credit report on XX/XX/2018, and I noticed an account was in collection for XXXX a medical debt. with no collection company or original company, I had to call into XXXX to find out who was reporting me. they had told me XXXX XXXX XXXX was the owner of the debt and the original company is XXXX XXXX XXXX. I have yet received any contact from XXXX XXXX XXXX which makes them unprofessionally. I want to know Why my medical information is being sold to a 3rd part debut collector in which they have violated my personal rights under the HIPPA Act. Do I want to know if this Collection company is legally able to collect in my state of California? 

I also want to know who your insurance company and policy number to further pursue legal action against your company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
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: Chime Financial Inc

Complaint:
I was physically attacked on XX/XX/2022. My purse and keys were stolen during the attack. During the attack, they took my phone in my purse with all of my identifiable information in it. I used someone else phone to contact chime customer service to deactivate my cards but they refused because they said I could not authenticate my account. The Chime customer service rep had asked me to verify XXXX transaction from that day. I knew I had just gotten paid so I advised him of the amount of my check. And he said that he could not find the transactions. I attempted to call back and do the same thing twice. But they would not allow me to do so due to issues with the authentication. I was not able to file a dispute until the XXXX when someone was able to finally see the deposit. As a result, all of my money was stolen from the account. I submitted as much evidence as I could including a claim ID for the police report and my work schedule with the clock-in times. I believe they decided this was not sufficient because my job is based in a different time zone. I have to be at work at XXXX XXXX  mountain time which is XXXX oclock central standard time. Also, the representative that without the dispute included transactions that were automatic payments for some of my bills. When I ask her to fix it she said that she couldnt because it would automatically be denied my claim and I would not be able to Refile it. I had sent it to reach out to the merchants that she was not supposed to include in the transactions but it still resulted in my revolving account being shut down. I believe lithisbis the reason that my claim was denied. I also included a rebuttal asking for the claim to be reopened. I also asked for documentation regarding the dispute which they refused to give me. When I emailed the dispute specialist was informed that she could have noted the account so that the claim could have reflected my statement regarding the automatic transactions. It's been a nightmare trying to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
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 have contacted Equifax with regards to a XXXX XXXX XXXX Credit Card with a balance of {$9100.00} that was supposedly opened on XX/XX/2018 that is reporting on my credit file that does not belong to me. This account is reporting either in error or as a result of identity theft. In either case, please assist me in getting this account removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
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:
I never opened this account. It was opened by somebody without my knowledge or consent. I work as a XXXX in the XXXX XXXX, and I learned about the fraud from a problem with my security clearance. Please remove and correct my history. This is a fraud account that does not belong to me. I am in jeopardy of losing my job and security clearance over this error in reporting. The account listed against me is : XXXX XXXX account number xxxxxxxx XXXX Date opened XX/XX/2015 This was not my account ever. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
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 Account # 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 Account # 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 Account # 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 Account # 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 Account # 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 Account # 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 Account # 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 2016-03-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bull City Financial Solutions, Inc

Complaint:
I was sent there for a medical issue from XXXX XXXX XXXX in XXXX XXXX NC. It is a free medical clinic and they sent me to XXXX XXXX to have a XXXX done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX XXXX partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative 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 2020-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.

Complaint:
I've tried to contact this collection multiple to let them know that I do not owe this debt to them or the original creditor. This collection company is illegally reporting this to the credit bureaus. I was never notified about this or have a contract with this collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
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: Orion Portfolio Services, LLC

Complaint:
The creditor ORION PORTFOLIO SERVICES has agreed to delete the account XXXX XXXX XXXX but it is still showing on my credit report. They also said that they have contacted the original creditor so that they can delete the account from my credit report. XXXX, XXXX and XXXX  have not deleted the account from my credit report. Please delete the account, I am including their response from my previous complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP

Complaint:
In XX/XX/2023 I went into Key Bank in XXXX, XXXX, to complete the sign on process. I was offered {$200.00} to switch my bank account. I was in a domestic XXXX situation and was in a safe house. The employee named XXXX assured me I would receive this sign on bonus if I switched my direct deposit. Before leaving XXXX to come to XXXX as my divorce was final and I was safe I stopped into this branch to make sure everything was still ok and I would receive this bonus. I have called customer service and the branch I signed up at. They say that they do not see the code and they are sorry. I told them this is fraud and I would proceed up the chain of command, so to speak.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-13
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: CBC Companies, Inc.

Complaint:
The credit Bureaus stated my accounts was properly investigation but how is that possible if the open date is inaccurate. the date last and last reported is not accurate, This is ground for removal they also violated my right under 15 U, S, C 1681 section 602A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also that a consumer reporting agency can not furnish a account without my written instructions. 
In accordance 's with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XXXX XXXX  XXXX  ACCT XXXX DATE XX/XX/XXXX {$730.00} XXXX  XXXX  ACCT XXXX DATE XXXX {$980.00} XXXX XXXX / ACCT XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXXXXXX XXXX XXXX  ACCT XXXX Date XX/XX/XXXX {$780.00} XXXX  XXXX XXXX  ACCT XXXX DATE XX/XX/XXXX {$620.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
With the XXXX data breach, my wife and I spent hours trying to 1 ) get our credit reports from Transunion, XXXX and XXXX, and 2 ) trying to freeze our accounts. I have finally received my credit reports from Transunion and XXXX on line but XXXX is requiring me to send them a letter with all kinds of documentation. I do not have time for this XXXX. My wife had to call Transunion to get a freeze on her credit and spent an hour on hold. Once connected the representative she could not understand the person due to a heavy accent. Why are these agencies permitted to hire non-American to deal with our sensitive information? How do we know they are n't selling it? I have disputed several mistakes on my credit reports ( wrong addresses ) without resolution. I have a very good credit score - I have never missed a payment or defaulted on a loan so my score should be perfect yet it is n't because I " do n't have the right kind of loans and I do n't keep a balance on my credit cards. '' What? I am a superb credit risk yet they judge me because I do n't take risks. Finally when we put freezes on our accounts we had to pay a {$6.00} fee to Transunion and XXXX for a total of {$24.00}. XXXX should be paying this not us as they made the XXXX up. This entire process needs to be shut down.

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 2023-05-16
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: Experian Information Solutions Inc.

Complaint:
I did not consent for these consumer reporting agencies to furnish any information disclosed in my FTC report to any person.

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