hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
After receiving a response from XXXX and Experian regarding an ongoing dispute regarding the incorrect pay history/ closure date provided on my credit reports, the issue remains. The credit card balance for this account was paid in full in XX/XX/XXXX and the account was officially closed that same month. The derogatory months for the pay history have yet to be corrected along with the closure date on my credit reports which is inaccurate and false information. XXXX is still reporting XX/XX/XXXX through XX/XX/XXXX as derogatory, then XX/XX/XXXX as an on time payment then closed in XX/XX/XXXX. Experian is reporting derogatory payments from XX/XX/XXXX through XX/XX/XXXX and then a positive pay history for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, then FINALLY closed in XX/XX/XXXX. As seen in the attached credit reports from XXXX and Experian, XXXX is reporting false and inaccurate information. A representative by the name of XXXX, from the XXXX XXXX XXXX XXXX XXXX for XXXX, is refusing to correct the payment history and provide the correct closure date for the account. I AM ALSO STILL RECEIVEING MONTHLY STATEMENTS ON THIS CLOSED CREDIT CARD ACCOUNT THAT WAS PAID IN FULL. A complete investigation was not conducted by Experian nor XXXX from XXXX as can be seen by the attachments for this complaint. I also spoke to a representative on XX/XX/XXXX from Experian on a recorded line for them to review the XXXX account confirm that the account was closed, but still reporting a pay history up until 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
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2021-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY

Complaint:
Called fraud department on XXXX XXXX 2021 about wallet being stolen now my account is overdrawn a large out and I have nothing to do with it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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:
In accordance with the Fair Credit Reporting act 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  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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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:
Account disputed several times over the past 6 years. Contacted collection agency and original credit account holder. The account has never been verified as mine and may be a case of fraud. Previously removed from all three credit bureaus. Now re appears under another name as if account opens in XXXX. Call collection agency and agency stated account originally opened in XXXX. I have no knowledge of this account. I would like help having this item removed from my account. This is fraudulent.

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 2022-11-18
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: DISCOVER BANK

Complaint:
Someone tried to apply for credit with my social security number without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts 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 non-monetary relief
Consumer complaint received 2021-06-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 information incorrect
Company: Experian Information Solutions Inc.

Complaint:
I. 

This is a complaint pursuant to the terms of the Fair Credit Reporting Act ( FCRA ), Title 15 U.S.C. 1681, et seq., disputing the accuracy of and to have deleted from my consumer file with Experian, XXXX and XXXX   consumer reporting agencies erroneous information that I am indebted to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to the sum of {$200.00} for XXXX XXXX XXXX ( " XXXX '' ) XXXX provided on XX/XX/ 2018, as alleged and reported by XXXX XXXX  XXXX, a third-party debt collector as defined by the FCRA, acting on behalf of XXXX 

II. 

The factual basis for this dispute is that I am not indebted to XXXX to the sum of {$200.00} for XXXX services provided on XX/XX/2018 as alleged by XXXX XXXX  XXXX. Annexed hereto is a billing statement from XXXX for that date. The statement reflects a XXXX  balance. As there is no balance due XXXX there is no debt due XXXX/ III. 

The legal basis for this dispute is that the alleged debt is predicated upon inaccurate information and therefore invalid, unenforceable, and merits removal from my consumer files with Experian, XXXX, and XXXX   consumer reporting agencies as per the terms of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ). 

IV. 

The foregoing considered ; I respectfully request : 1.  Reinvestigation to determine the veracity of the information subject to this dispute. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

2. SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ). 

3. Deletion from my consumer files the disputed information of my indebtedness to FDRMC as provided to XXXX, Experian, and XXXX consumer agencies by XXXX XXXX  XXXX. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ).

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 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.

Complaint:
Unauthorized inquiry from theXXXX XXXX. I would like this inquiry removed as I am not familiar with this company or the request for credit. Please provide the application or remove item from credit bureau as an inquiry.

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 2021-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Genesis FS Card Services, Inc.

Complaint:
It appears that on XX/XX/XXXX credit of {$1000.00} was extended fraudulently and a purchase for that same amount was made at XXXX. On XX/XX/XXXX I received a card in the mail which I did not apply. That night I notified the card agency and they indicated that they would send an affidavit for me to complete and return. The affidavit was dated XX/XX/XXXX although I did not receive it until later in the month. I filled it out and returned it with a copy of the police report. This was mailed certified with a return receipt on XXXX and returned within the 20 days as requested. As of today XXXX the account has returned to my credit reports and I have submitted the police report to the credit bureaus and will once again issue a dispute regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
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: Experian Information Solutions Inc.

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX ( Original Creditor : XXXX XXXX ) XXXX and 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 non-monetary relief
Consumer complaint received 2016-06-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC

Complaint:
My sister-in-law and brother-in-law both received a call from someone claiming to be from ACM stating they have received a potential claim forwarded to them attached to my name and ssn. They want a statement from me. The lady said her name is XXXX XXXX and can be reached at XXXX, ext. XXXX. 

I have attached a recording of the voicemail left to my brother-in-law. Both calls to them were asking for me. My sister-in-law answered the phone but stated there was no XXXX XXXX at the number they called, which was her cell phone. My brother-in-law was in a meeting so it went to his voicemail. He never called back but forwarded me the voice mail recording which I have attached to this complaint. 

I do not know what is going on and this is the first I heard of this, but research has shown that this company has shady practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC

Complaint:
{$11000.00} of unpaid medical bills are still showing on my credit report.. i had XXXX  XXXX as well as NC state XXXX  at the time of all these bills were sent out. The state of NC failed to pick up payment and its affecting my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.

Complaint:
On XXXX XXXX I noticed a XXXX payment around XXXX dollars on my chase account I didnt make. I had lost my phone so I think thats how they did it. My daughter has my email account on her phone so she saw the alert and I called right away to let them know it was fraudulent but the rep said the fraud department was closed for XXXX and all he could do was just freeze the account. He told me to call on the next business day. I called and the fraud department said it was too late to stop because it had already gone through. I had called right away, I did my part. They are the ones that werent available. They then sent me a letter saying that they dont believe the XXXX was fraudulent even though they had to change my username and password to the account and basically make it new. I am extremely upset, this is the first time chase has let me down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc

Complaint:
Okay so on XX/XX/XXXX I got a direct deposit from the company called XXXX onto my checkings account for {$190.00}. So I proceeded to hop onto my Venmo checking account to transfer the funds from my Venmo account onto my XXXX checking account. So then I initiated the transfer not realizing which bank source I was depositing my money into since I had previously transferred my biweekly check from my authorized employer in a few days before I got payed by savegadget.com. So I just entered the amount of money I wanted to transfer but then I got an error message saying that I should check which account I am transferring my money to because my account was flagged at that moment and Venmo had put a freeze hold on my account. So then I called up Venmo and check why my funds werent being deposited and they said that the money transfers I had initiated triggered a red flag onto my account so they needed time to address this situation. So I provided them with a copy of my ID and they said that they would contact me back within 14 days once the lift is checked on and released. Its been over one week since this occurred. Im not sure why they would have frozen my account if all I was trying to do was add money to my XXXX debit card. So I called back yesterday on XX/XX/XXXX but I still have not recieved any update on my account and all I need is to be allowed to transfer my money to bank source. Also someone had deleted my bank source from XXXX from my Venmo account although a few weeks back I had just added it to my Venmo account and made bank transfers onto my XXXX account. From my understanding they told me that there was an unauthorized checking account on my account but I had not even added any other bank source to my Venmo checkings account since I added my sables checking account onto it so I would like for you guys to help me to get this freeze thats been put onto Venmo checkings account unlocked because this is outrages. The first time some fraud happened to me was last year with my EDD Unemployment Debit card got hacked and now also my Venmo account why is this happening to me now again? I have already placed a freeze on all credit consumer reports so that way hopefully whomever is trying to make any fraudulent moves on my accounts wont have access to any further possible unlawful acts on my personal identity. Also my employer deposits come from XXXX XXXX XXXX, XXXX, and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Attempted numerous times to have fraudulent information deleted due to identity theft as well as inquiry 's, charge off accounts that is not mine. I've also repeatedly asked to exhaustion that my correct and updated credit report information and scores reflect each of the accredited credit bureaus. Unfortunately, they ( TransUnion, XXXX and XXXX ) are still not communicating with one another to mitigate my reports in a cohesively manner. Also, their credit scoring system 's is suspicious, they all have a different scoring system that is very suspect to me. some uses advantage 3 & 8 and now 9 is in effect. This system acts like the mob and if they can't get it together the courts will .... I had enough.

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 2018-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am a victim of XXXX 's Breach and upon, reviewing my Credit report I noticed Unauthorized inquiries as well Unknown debt accounts that were removed in the past but have recently been reinserted. I have made several calls to XXXX to try an resolve the issue and I have also contacted them by mail but the Unauthorized inquires and Unknown accounts are still on my report. XXXX have not provided any contract or physically proof of the said debt or inquires belonging to me, nor did they notify me that these would be reinserted on my report. XXXX will not remove the Unauthorized inquries nor Unknown accounts on my report and this is violation of the FCRA.

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 2019-07-23
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: TD BANK US HOLDING COMPANY

Complaint:
RECEIVED INFO FROM XXXX XXXX THAT I WAS 3 MONTHS BEHIND IN MY TDBANK CREDIT CARD PAYMENTS UPON SPEAKING TO TDBANK I WAS ADVISED THAT I GOT MY STATEMENTS BY E-MAIL WHICH I DO NOT I RECEIVE PAPERSTATEMENTS/TURNED OVER TO FRAUD UNIT ( TDBANK ) IT WAS FOUND OUT THAT SOMEONE HAD CHANGED MY ACCOUNTS E-MAIL AND PHONE NUMBER PREVENTING ME IN GETTING MY BANK PAPER STATEMENTS. ACCOUNT CLOSED AND WAS ADVISED THAT I WOULD BE REFUNDED MY LATE FEES ALSO ADVISED THAT MY CREDIT " LIMIT '' WAS REDUCED FROM OVER {$16000.00} TO {$3700.00} CAUSING MY CREDIT SCORE TO DROP VERY LOW. RECEIVED LETTER XX/XX/2019 THAT MY CLAIM # XXXX WAS CLEARED AND THAT I WAS NOT AT FAULT AND RESOLVED " IN MY FAVOR '' AN UPDATE WOULD BE MADE TO THE ACCOUNT ON MY CREDIT CARD. LATE PAYMENT WERE DEDUCTED, BUT MY CREDIT LIMIT WAS NOT RAISED TO THE ORIGINAL LIMIT. CAUSING MY CREDIT SCORE TO REMAIN " LOW '' FAIR STATUS. DUE TO THIS OTHER CREDIT CARD COMPANIES ALOS NOTIFIED ME THAT THEY WERE LOWERING MY CREDIT LIMIT BECAUSE OF THE ACTION TAKEN BY TD BANK. JUST WANT MY CREDIT SCORE RETURNED TO WHERE IT WAS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-11
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: The CBE Group, Inc.

Complaint:
A previously removed account fro m CBE Group ( acc  #  XXXX  ) was removed from my   XXXX   report on  XXXX   XXXX ,    2017, According to FRCA, I was to be notified within 5 business days that an account  previously removed was to be reinstated. I did not received a notice and that account is back on my  XXXX  collection report. The collection company and  XXXX  are in violation of the FRCA, and this account need to be removed.

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 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXXXXXX Account Number : 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 2021-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA

Complaint:
I XXXX XXXX filled out a credit application with XXXX for an Apple card on XX/XX/2021. I know credit is my right pursuant to 15 usc 1601. So I was confused when I received an adverse action knowing that only applies to insurance and employment pursuant to 15 usc 1681b. Since I have been denied my right and have received an adverse action that is violation of 15 usc 1681n civil liability for willful noncompliance. It also is a violation of 18 usc 241 conspiracy against rights and 18 usc 242 deprivation of rights under color of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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:
In accordance with the fair credit reporting act convergent accounts listed below has violated my civil rights. List of accounts that need to be removed asap : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also this address needs to be deleted Ive never lived at this address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation