hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I had a credit card with XXXX  XXXX XXXX that I defaulted on. They sold the account and charged it off. I settled the account with XXXX XXXX XXXX  XXXX for payment in full. I have made on time payments since 2018. XXXX  XXXX XXXX continues to report inaccurate account information to the 3 major CRAs : 1. Reporting 38 charge offs on this one account.

2. Failing to note that it was sold a settled for payment in full.

3. Reporting new late payments on this account every month. 

I have disputed this repeatedly with XXXX and XXXX  XXXX XXXX continues to verify as correct. 
It is my personal opinion that this may have an element of racial discrimination.

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 2019-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I spoke with Bank of America on XX/XX/XXXX. There was {$1500.00} in unauthorized transactions done from various online businesses. I told them to cancel the card and these transactions were never allowed. 

They credited me back this amount. Now today I receive a letter in the mail that says they are retracting on what they said. They are removing the credit, going to take {$1500.00} out of my account which I don't have and they even allowed one of the transactions to be posted to my account again! 

They charged my account on XX/XX/XXXX from XXXX one of the charges I challenged and said was never authorized for {$27.00}, then they charged me an overcharge fee of {$35.00} to boot! 

This is so illegal, fraudulent and they should be sued for deceptive business practices. 

Also I tried to make a deposit in the amount of {$750.00} written out in a check. Bank of America rejected the check. The check didn't bounce. There were funds in the other account as this was my account. This then caused me to be over drafted several times resulting in another {$210.00} in charge fees.

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 2022-10-17
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: EQUIFAX, INC.

Complaint:
I checked my credit report and found out these accounts does not belong to me and I didn't authorizethese to my account until I called one of the credit agent and they refer me to this website FTC to fi le mycomplain. Name : XXXX Date ; XX/XX/XXXX Name : XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX Date : XX/XX/XXXX Name : XXXXXXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX XXXXXXXX Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX  XXXX : XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX. These are theincorrect information I found on my credit report from myannualcreditreport.com and I want them to be investigated and Deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Recovery Services, Inc.

Complaint:
Southwest Recovery Services as its membership organization XXXX have breached confidentiality. A statement was issued for dismissal and was disclosed to the collector for abusive practices i.e. XXXX XXXX XXXX, formerly the membership director. The personally identifiable information disclosed to non-authorized persons was mishandled by Southwest Recovery Services. I often get stalked by Caucasian women wearing black clothing and hair dyed black pursuing me for reconciliation of the amount requested. I have filed police reports for XXXX assault, serious threats of social and political ostracism, and retaliation from the board of governors of the XXXX XXXXXXXX XXXX  XXXX, however, they were dismissed as being sensational. I have been making several reports to the FBI and the Office of the Inspector General ; however, no result has come about, and the stalking and disregard for common law continue -- threats of physical by gang members of assault with the intent to paralyze me and have my cadaver disposed of by drawing it, I've even had Southwest Recovery Services as locals hint at XXXX XXXX XXXX XXXX XXXX XXXX ; which, is the sum of the basis of a claim for asylum filed under the XXXX last Spring.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
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: Credit Plus Inc

Complaint:
On XX/XX/XXXX, I received an alert from XXXX about a new hard inquiry in my report from a company called Credit Plus. I have never dealt with that company nor heard of it before. I called Credit Plus and was not able to talk to any representatives, their phone lines seem to disconnect after several minutes of waiting. On the same day, I also called XXXX and was transferred 3 times to different teams that handle disputes without actually getting help from any. 

This is the 3rd hard inquiry that someone else has attempted on my report in the past 12 months and that I report to XXXX without any action from their part. On XX/XX/XXXX I used the CFPB website to report 2 other hard inquiries that I did not initiate but that appeared on my report as well -- those inquiries still show in my report today. XXXX has still not taken action to remove them. 

In addition to the inquiries, there is a phone number that does not belong to me ( " ( XXXX ) XXXX '' ), and a name that is not mine ( " XXXX XXXX '' ). 

I kindly ask that XXXX removes the following hard inquiries and incorrect personal information : - Credit Plus on XX/XX/XXXX - XXXX  XXXX XXXX on XX/XX/XXXX - XXXX  XXXX XXXX on XX/XX/XXXX - Phone number : ( XXXX ) XXXX - Name : " XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this 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 explanation
Consumer complaint received 2021-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.

Complaint:
I am sending the letter XXXX sent in response to a request for proof of debt. I received a letter of explanation but NO PROOF OF DEBT. 

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) the claim is disputed and validation is requested. 

If Macy is unable to provide the proper documentation as requested, all collection activity must cease and desist and all negative reporting must be deleted.

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 2022-08-11
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
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: BARCLAYS BANK DELAWARE

Complaint:
We paid out credit card payment on XX/XX/20 in the amount of {$10000.00} which was the full amount due and paid by autopay from our bank on the day it was due. Since then, our card has been declined. Looking into our accounts, our bank paid the full amount above, we received a notification of the withdrawal and the credit card account shows it being paid, however, the payment on their end is " on hold ''. So we have no access to our credit card, the money came out of our bank account 5 days ago and has been credited to our account on the credit card website. It is barlaycard. I have been trying to call them- yesterday was on hold for over an hour, and now as I write this am still on hold for over two hours. We paid our bill on time in full 5 days ago, why is our payment " on hold '' why is the money out of our bank, why wont they answer the phone? God forbid this was some poor soul in a real crisis that needed their credit card asap!

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 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Dear, to whom it may concern ; I XXXX XXXX XXXX  and XXXX  in my XXXX XXXX back in XX/XX/XXXX or XXXX, depending on time I went into XXXX I ended up getting scheduled to get XXXX XXXX XXXX from XXXX XXXX XXXX from XXXX XXXX XXXX XXXX, around the middle or late of XXXX if not early XXXX the lastest,. I also had and still have to endure XXXX XXXX because my XXXX XXXX XXXX  is still messed up to the point I have to get another XXXX. I have not been employed due to whats been going on with my XXXX XXXX and XXXX ; also, I live with my grandfather who has multiple medical health problems involving his XXXX, I can not bring him home XXXX. I can one of his care takers on things I am able to help, because I can't help with everything due to my XXXX. Lastly, the total due amount is incorrect and XXXX came right after.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My name is XXXX XXXX XXXX and I am a victim of identity theft. 
there are accounts on my credit report that are not mine

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 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
The credit bureaus has clearly neglect to provide me with an accurate credit report I submitted countless documents to proof my identity, I have been a victim and the past and present of identity thief, I have submitted valid police reports on these fraudulent accounts even contacting the creditors of these matter. Going as far as filing a FTC report as well on these matters. I have spoking to all 3 credit bureaus about these fraudulent accounts and charges on my credit report collection account XXXX XXXX XXXX is fraudulent account {$1400.00}, faccount name XXXX  XXXX fraudulent account charges {$1000.00}, XXXX XXXX  XXXX XXXX  fraudulent account and charges {$910.00} and {$1200.00} XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX account is a inaccurate account ( this account is pay as agreed ) which documention was send to the bureaus., do to the credit bureau not updating my correct address, correct phone number and personal information has allowed these fraudulent accounts to damage my credit, the bureaus nor the creditors hasnt provide my accurate information, my personal information in my credit file is wrong, they have allowed these creditor to surpass the statue of limitations on these accounts, not verifying the accurate information I have provide to them. They have insist to report inaccurate address, phone numbers, emails, which I have provide documentation proof of residence and ID to proof, the creditor is wrongful accusing me of these fraudulent accounts Im the victim, thats providing proof, and has ask the bureaus countless times and send letters to delete these fraudulent accounts, they have allow the creditors to not provide information, verifying these fraud account not updated my credit with the accurate information by my request which I have clearly has provided a driver license and lived attorney documentation residence for over 20 years. I have show proof of fraud, and have substain damage to my credit report due to countless violations on the bureaus part by not providing me a accurate credit report poor investigation when documentation was provided to rid these fraud accounts,, the bureaus are in violation of 15 US code 1681 ( a ) and ( I ) 15 US code 1681 C-2 15 US code 1681 ( d ) and ( c ) 15 US code 1681i ( a ) and ( 5 ) 15 US code 1681m ( c )

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 2022-12-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I received an email from Bank of America claiming I opened an account but I didnt. I attempted to contact them but I was not able to speak to anyone without an account number.

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 2019-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I paid this account in full. Please remove this account from my credit report as it is no longer a reflection of my creditworthiness. I was young and XXXX and made a mistake. That I will not make again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
XX/XX/XXXX, Equifax. I checked my Equifax consume credit report online.My name is incorretly spelled out. My XXXXersonal Information show that I lived in XXXX different address at the same time. Check the DATES. THE DATES ARE INACCURATE. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX and XX/XX/XXXX CURRENT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. The former address is inaccurate. The former address needs to be deleted. The current address is inaccurate. The XXXX XXXX should not be added. The current addres need to be updated. I have added documents from the Equifax website and documents of my address were I have been living sents XXXX. I couldn't have lived at another address in XXXX. That's Impossible. This is a violation of 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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 disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( XXXX ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and Transunion XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their XXXX-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required XXXX-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX report as well so in order to correct the inconsistencies between the XXXX, XXXX, and Transunion credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : XXXX XXXX  XXXX, BALANCE {$830.00}, OPENED XX/XX/2019, ACCOUNT XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
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: Experian Information Solutions Inc.

Complaint:
The credit bureaus stated for the second time my account was properly investigated and up to date. Ive disputed everything that was not mine yet its still on my credit report. I was told i had a XXXX account on my credit file by experian and when i went to the bank they told me there was no such account. Ive been looking for cars and less than 3 month ago my down payment was {$200.00} but today XX/XX/XXXX i was told my down payment is $ XXXX. So when i called and talked to someone i was told again that was accurate but that's not possible because i have different credit scores, different amounts owed, incorrect account numbers, incorrect dates of open accounts, incorrect dates of closed accounts, inaccurate addresses, inaccurate names, inaccurate accounts, inaccurate active dates and not to mention it took more than 30 days to respond. This is grounds for removal, they have also violated my rights as a consumer. 


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 : 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 explanation
Consumer complaint received 2018-01-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.

Complaint:
On XXXX XXXX 2017 at XXXX I went to a chase ATM in XXXX California. I tried to make a deposit for {$2100.00}. It got stuck in the machine and didnt post to my account. The machine spit out a reciept that had the terminal id, time, date and it promised it will give me my cash back. They gave me a credit for the missing funds then a few weeks later they reversed the charges. They have been hanging up on me when I call, ignoring messages and doing absolutely nothing to help solve the problem. They have promised that my case would be handed to an executive office but nothing has happened. I was planning on moving to Georgia and this pretty much prevented my move. I have been doing research and it looks like they are doing this to multiple customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. XXXX XXXX XXXX  Open Date XX/XX/ 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