hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
TransUnion XXXX. XXXX XXXX XXXX, PA XXXX I have attempted 3 times to have my annual credit report mailed to me from TransUnion and they keep refusing to send it. 

My first attempt on XX/XX/XXXX, I wrote them asking for my credit report. I sent a copy of my valid Driver 's License with correct address and a copy of my Social Security Card along with my request. They wrote back with a letter dated XX/XX/XXXX stating they could not send me my report due to my mailing address not being listed in their records and that I must send proper documentation in another request to receive my credit report. 

My second attempt on XX/XX/XXXX, I wrote them asking for my credit report sending them the documentation they requested to receive my report. I sent them a copy of my valid Driver 's license with correct address, a recent utility bill ( less than 2 months old ) with my name/correct address, and a copy of my social security card along with my request. They wrote back with the exact same letter dated XX/XX/XXXX stating they could not send me my report due to my mailing address not being listed in their records and that I must send proper documentation in another request to receive my credit report. This made no sense to me as I sent them the documentation that they requested verifying my mailing address. 

My third attempt on XX/XX/XXXX, I wrote them asking for my credit report sending them the documentation they requested to receive my report ( this time circling the items on the request document that met the requirements they were asking for ). I sent them a copy of my valid Driver 's license with correct address, a recent utility bill ( less than 2 months old ) with my name/correct address, and a copy of my social security card along with my request. They wrote back with a new letter dated XX/XX/XXXX stating that one or more of the documents provided was illegible. 

I disagree that any of the documentation that I sent was illegible. They keep refusing to send me my credit report that is my right to ask for once a year and that they are required to send per the Fair Credit Reporting Act ( FCRA ). They are breaking the law and being unnecessarily meticulous.

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 2021-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JNR Adjustment Company, Inc

Complaint:
Hello, a creditor reached out to me about a two months ago about a debt that is not mine. I told them by email that its not mine and I dont know where that is coming from. They keep on treating me and sending me letters of something I have no idea why theyre trying to charge me so much money for what I dont know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
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: Experian Information Solutions Inc.

Complaint:
XXXX shows from the recent post on my Experian credit report that the account is scheduled for deletion XX/XX/XXXX. However, Experian needs to do a reinvestigation requesting from XXXX the true late payment history that in my review dates all the way back into XX/XX/XXXX. XXXX cut off several years of payment history to re-age the credit tradeline. This account should be deleted immediately and permanently, not 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 2023-01-20
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: JPMORGAN CHASE & CO.

Complaint:
I WAS NEGATIVELY IMPACTED BY THE COVID 19- PANDEMIC AND I AM REQUESTING THAT YOUR COMPANY REMOVE ALL LATE PAYMENTS FROM MY CREDIT REPORT PER THE HERO ACT ( SECTION 110401 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
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:
These are not my accounts listed in this report. Please remove them. I also attached my personal documents to depict who I am. Thank you.

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 2023-07-06
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: Experian Information Solutions Inc.

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-04-27
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:
XXXX has violated my rights under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose They continue report late payments when its illegal to do so

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 2023-05-24
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
I requested proof of debt on XX/XX/2021 of a debt XXXX reports I owe. 

I demanded copy of agreement, and none was provided. 

XXXX sent the attached letter dated XX/XX/2021, did not addressed the request, yet continues to report false information on my credit. 

Pursuant to the FDCPA ( 15 USC 1692g Sec. 809 ( b ) ), I am entitled to receive a copy of any credit card agreement and a statement of account when I request it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
XXXX  3 LATE PAYMENTS
Credit usage
100%
Balance
XXXX
Balance updated XXXX XXXX XXXX
Credit limit
XXXX
Account info
Account number XXXX
Open/closed
Closed
Date opened
XXXX XXXX XXXX
Account type
Revolving account 
Status
90 days past due
Status updated
XXXX XXXX  Past due amount
$XXXX
Highest balance XXXX
Monthly payment
XXXX  Contact info
Address XXXX XXXX XXXX XXXX, OH XXXX
Phone number
None provided
THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE  IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO "FAIR CARES ACT" ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE

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 2023-06-22
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.

Complaint:
I was mislead into forebearing which allowed thousands of dollars to be capitalized into my loan. There have also been several occasions, when I took online classes, that the national student clearing house declared me as a full time student and Navient immediately put me into deferment, each time I had to tell them not to defer my loans, but that caused a XXXX charge each time. I had to go in one by one and have the charges removed. Even though the charges were added to my principal they refused to give any interest back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc.

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc.

Complaint:
In response to a previous complaint ( XXXX submitted on XX/XX/2022 ) where I have disputed by providing you the actual credit report from XXXX and XXXX showing you a 3-column table of how XXXX XXXXXXXX XXXX is reporting and furnishing inaccurate information to my credit report. Experian you violating my consumer rights under FCRA. The XXXX XXXX Credit Card account, your company, Experian, is continuing to report this erroneous account with inaccurate information being furnished as of the amount of the alleged account, the status of the account to the payment status in dispute. XXXX has deleted this inaccurate account and you are continuing to report this information. I have attached a copy of the XXXX report. Your company 's reinvestigation procedures are not reliable, so I believe that if your company, Experian, can see how another reliable company should perform reasonable investigations. If you do not proceed with the results of DELETION of this inaccurate account, I will be forced to seek legal representation for monetary damages. 

I request that your company, Experian, email and mail me a copy of the results of the DELETION and mail me a copy of the updated credit report showing the deleted XXXX XXXX XXXX Card 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 2023-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.

Complaint:
total amount of false debt {$230.00}. 

IC Systems debt collection company for XXXX. This company is trying to collect a cable TV bill. I advised this company this was not my bill. They provided a falsified XXXX  bill dated XXXX stating the total balance due at a certain address was {$230.00}. I have not lived at that address in XXXX  years. 

IC Systems has also notified the credit bureau of this false delinquent loan which will adversely affect my ability to obtain credit in the future

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 2023-08-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.

Complaint:
XX/XX/23 - XXXX different deposits of {$9800.00} taken out in XXXX day ( total {$29000.00} ). Per Chase, it was a " deposit reversal/partial withdrawal '' - Someone opened a business account under my name with Chase. 
- They put the deposited the money and supposedly closed the business account. 

XX/XX/23 - Noticed it on my Chase app and reported it to Chase XX/XX/23- Went to Chase bank to resolve the issue. XXXX found XXXX people on the business account ( including me ). Claims department couldn't take the case. XXXX XXXX couldn't take the case. 

XX/XX/23 - Went to chase bank with not much movement. They advised to file a police report, sign up for credit journey, and replace my credit cards. I followed through that day. 

XX/XX/23 - Called XXXX and XXXX to do a credit freeze XX/XX/23 - Chase escalation team called to say they took the case. 

XX/XX/23 - Called Chase looking for updates. No updates. They said it takes time. 

XX/XX/23 - XXXX a voicemail with chase bank and with person working in escalation dept on my case XX/XX/23 - Called chase bank again. Had to leave a voicemail XX/XX/23 - Escalation dept in Chase called to tell me they can't take my case. No internal depts would help her - New Chase banker ( XXXX XXXX ) took my case XX/XX/23 - Chase banker brought my case up to another escalation dept in an XXXX office in NY. 

XX/XX/23 - Went to a meeting with another chase bank to meet an XXXX here. The XXXX cancelled last min. 
- XXXX new chase bankers are familiar with my case. Brought it up to XXXX XXXX Assistance group.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY

Complaint:
Someone stole my identity and opened many accounts without my permission or authority.

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 2023-08-23
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:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX  XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX  XXXX Balance : {$3400.00}

Company response to consumer: In progress
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
Upon contacting Equifax my mortgage company requested that they remove a duplicate account. Equifax removed both accounts from my file. Equifax needs to report one of the mortgages. Per the notice from the mortgage company only one account should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
Account needs to removed from account it was never removed after speaking with the furnisher a if the account all it showed was my statement that it was an unauthorized transaction placed on my consumer report by the company.

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