hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have new and updated information regarding XXXX and Transunion. 
Both CRAs have stated that they have no knowledge of which account is being disputed. 
I have documentation from both companies alleging they have spoke with XXXX XXXX regarding this dispute and that the account was verified. I have requested all documentation used to reinvestigate this account. As it should have lawfully been investigated upon its first reporting.

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 2020-09-29
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: Experian Information Solutions Inc.

Complaint:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME NEGATIVE ACCOUNTS AND INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. MY CREDIT HISTORY IS NOW IN A HORRIBLE STATE BECAUSE OF THIS SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSSIBLE.

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 2023-08-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC

Complaint:
Didnt give me any information about the debt except that I owed them because XXXX didnt cover my full amount. She said that " I owed them two separate amounts, XXXX XXXX and XXXX XXXX  '' she didnt explain what either of the debts were owed for. she told me that they would settle for XXXX XXXX XXXX I didnt agree with it and she forcefully told me that she would take the deal if she was me and that shes going to mark my account that i have one day to pay it. I initially tried to dispute it and she told me that i couldnt do that. This was just an XXXX ridden situation with Revco Solutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
XXXX has been non-compliant with removing the unverified account BANK OF AMERICA which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that BANK OF AMERICA was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2021-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.

Complaint:
I am writing to inform you and to dispute a credit card issue. I was approved for a credit card with AvantCard on XXXX XXXX in the amount of {$300.00}. On XX/XX/2021 at XXXX EST, I received an email from AvantCard saying " this email is to confirm that your AvantCard has successfully activated! 

I called customer service at XXXX and informed them that I never received a card, so how could the card be activated. The representative informed me that a statement was due in XXXX days and that the card was used in Washington DC. The representative proceeded to cancel the the card and said that a new card was issued. 

I received the new card, activated that card and attempted to use the card and it declined. I called customer service again, and was told by the representative that I was responsible for a card that I never received. I also asked the question how was the card activated without a social security number. 

I am kindly asking that this matter be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX : ACCT # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY

Complaint:
Saying my checking account is negative through email and unknown charges to my 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 2023-05-31
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 strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint:
On XX/XX/XXXX a transaction for {$240.00} from Tickets Jurassic park through XXXX and a transaction of {$38.00} through XXXX ( insurance for tickets ) was posted to my account. Both of these transactions were authorized and legitimate. The event was since cancelled due to Covid -19 and XXXX XXXX stated that the funds would be credited to my account within 30 days, and they never were. On XX/XX/XXXX I called Citizens Bank to file a dispute for these transactions and on XX/XX/XXXX i was issued a provisional credit of {$280.00}. 

On XX/XX/XXXX I received a letter in the mail stating that i never completed additional paperwork needed and that my provisional credit would be reversed on XX/XX/XXXX. I contacted the call center XXXX on XX/XX/XXXX to inform them that i never received any additional paperwork and if they could please send again i would be happy to complete and forward. I have still not received this paperwork. They stated that i should be receiving a call from their Electronic Banking Department, but I never did. On XX/XX/XXXX after the provisional credit was reversed i called their XXXX again and requested the additional paperwork and was told that i would receive a phone call from their Electronic Banking Department within 24 hours and to look for a XXXX phone # to call. I have yet to receive a phone call. 

As of XX/XX/XXXX, i have not received a phone call from Citizens Bank 's Electronic Banking Department, i have not received any additional paperwork and my provisional credit has been reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-02
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: LEXISNEXIS

Complaint:
On XX/XX/2022 Lexis Nexis has sent a letter stating they verified information for bankruptcy XXXX with a third party known as XXXX. When I previously attached a letter stating that the bankruptcy court does not report information to the credit bureaus. 

The credit bureaus stated on my credit report, that they verified the bankruptcy with Lexis Nexis and now Lexis Nexis is stating they received the information from XXXX. 

Lexis Nexis has violated my rights. I have not given them written permission to put anything on my credit profile. 

Lexis Nexis has no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft in pursuant to 18 usc section 1028 A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
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:
XXXX XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
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: Resurgent Capital Services L.P.

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report .It has been well over 30 days and I havent reviewed any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
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:
To my knowledge Equifax has been hacked, and many peoples information has been revealed and used. I checked for myself using my personal information, and Equifax states that I may be  among the people who have had the important personal information tampered with. I need my information protected! I need to be assured there is no improper use of my credit by anyone!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK

Complaint:
In XXXX of XXXX I attempted to open a new Discover deposit account but was unable to do so. I contacted Discover about this issue and they were unable to provide a resolution, but claimed that the issue had been escalated and that the issue would be resolved shortly. After multiple attempts to obtain the escalated resolution I was told that Discover was ceasing to do business with me. My accounts remain open, even though Discover claims that they will be involuntarily closed shortly. Upon inquiring about the reasons why I was being shut down, Discover was unable to provide me with an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
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:
XX/XX/XXXX I have spoken to all three credit bureaus and was a recent victim of identity theft and have yet to have any communication with them on removing the inquiries this affect have caused me to be denied credit line increases and more Also credit bureaus have failed to update proper information on a vehicle that was paid off still reflects as if I owe on the car still

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 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
XXXX XXXX XXXX  has been reporting erroneously on my credit file for a while now. I have paid off this accounts MONTHS ago and it is still reporting a balance. I just recently received a letter from them confirming the account has been paid. I'm am very irritated because this account has been paid for a while now and it still continues to affect my credit score an my ability to obtain financing. I need this account removed/fixed on my credit file ASAP.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
Since XXXX of XXXX, I started and have been trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters were sent to the XXXX credit bureaus : XXXX, Equifax and XXXX on XX/XX/XXXX and nothing has been done.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
My mortgage company says that they sent a letter to credit bureau 's saying that my account is current at time of closing and there is no payment due. But the credit report show a derogatory account on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
This so-called " company, '' Portfolio Recovery, calls incessantly on both our home line and now my new cell. Check the reports on the XXXX  phone lookup ( XXXX XXXX XXXX  ) : They are scam artists and need to be shut down now. Per the alert on that site, dated XX/XX/18 :

Portfolio recovery junk debt buyer, they will harass and threaten with being arrested and put in jail. They are in violation of Federal collection laws and have been sued hundreds of times in the last year and have lost. Report the number to your states attorney generals office and the FTC, FCC and XXXX. We don't owe anything, and I'm sick of their invasive harassment. Our landline is on the national Do Not Call registry, and I am putting my cell # on that registry today, for whatever good it will do. FYI, they apparently also change their # s to make tracking more difficult.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND I DISCOVERED A BANKRUPTCY ON MY CREDIT FILE WHICH I HAD NEW KNOWLEDGE OFF. THIS ACCOUNT WAS NOT AUTHORIZED BY ME AND I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER. THIS BANKRUPTCY HAS BEEN REPORTING INACCURATELY ON MY CREDIT FILE AND I AM DISTRESSED BECAUSE I HAVE NO IDEA HOW LONG IT HAS BEEN REPORTING NEGATIVELY ON MY CREDIT FILE. I AM REQUESTING IMMEDIATE REMOVAL OF THIS BANKRUPTCY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
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: Experian Information Solutions Inc.

Complaint:
This company consistently is violating my FCRA rights by keeping identity theft items on my file and removing or blocking them. I have attached my official signed FTC fraud report which includes numerous off accounts and inquries and public records that need to be removed from my file. I have suffered tremendous stress and scrunity from employers to clean this up to even keep my job or get a job for the longest and this company is damaging my financial life and making it hard for me to even take care of my family. I have one time where they removed a public record from XX/XX/2014 and put it back on there without any explanation of saying why they put a public record thats not mine back on my report after i got the courts to remove it. I have 3 public records thats on my file due to identity theft and I have contacted the courts and they keep telling me they have listed them as fraud and are willing to talk to the credit bureaus about this but the credit bureau is hiring a third party company to verify this information and no one never reaches out to the courts at all to get this removed from my file permanently. I would like for all these fraudulent accounts removed from my file immediately and my report updated accordingly I have attached my FTC fraud form which lists ever fraud/identity theft accounts that needs 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 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.

Complaint:
tonight ( XX/XX/20 ) I called Equifax at XXXX to unfreeze my credit file. 
Since my credit is now unfrozen, I asked them about the status of the free credit monitoring services I was supposed to get as a result of the Equifax breach ( I choose that instead of money ). 
The 1st person ( who unfroze my credit ) didn't even know Equifax had ever been hacked. The supervisor he sent me to, tried to sell me a policy for {$13.00} and when I tried to explain that I was inquiring about the FREE service that was promised to me because my credit was accessed during the breach, he said that was handled by a Court Administrator and Equifax knew nothing about it!! I then was sent to another supervisor who said his name was XXXX ( and wouldn't give me more than that because he claimed it was Equifax 's security policy ). He told me the same thing the other supervisor did ( it sounded like the same person ). He told me to call XXXX XXXX XXXX or XXXX. XXXX. 

WHY am I getting a run around from Equifax now that my credit is unfrozen, and how can I find out what protection I have in the form of the free premier credit monitoring package I was promised after my information was compromised during the breach. What on earth are they doing over there!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
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: JPMORGAN CHASE & CO.

Complaint:
I did not authorize these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC

Complaint:
I do not owe security credit collection any money. I do not have a contract with this company. Im requesting they stop reporting this negative item on my credit. Im requesting they ceast & desist and to only contact me by postal service. And since Im asking you to ceast and desist. You cant report any negative items on my credit. Delete this negative items ASAP. Or I will sue you In court. Fcra lets me to sue you.

Company response to consumer: Closed with explanation