hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I recently discovered on my credit report accounts that I did not recognize, so I contacted XXXX XXXX XXXX and requested evidence that the debt was mine. I requested this information so that I could be sure of what debt came from where before I started paying off anything. I then contacted Equifax and XXXX to let them know that I have asked XXXX XXXX XXXX to validate the debt as mine. XXXX XXXX XXXX received my validation request on XX/XX/2020, and XXXX and Equifax received my notice that a request to XXXX XXXX XXXX was sent on XX/XX/XXXX. I see that both my Equifax and XXXX reports were updated and now show that the accounts are in dispute ; I requested to XXXX XXXX that they temporarily cease the reporting of these accounts during my investigation, and I requested that Equifax and XXXX  enforce the FCRA and stopped any reporting of invalidated debts if XXXX XXXX XXXX failed to do so. None of the 3 parties involved have temporarily removed the accounts and are currently violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.

Complaint:
I leased a vehicle through ally in XX/XX/XXXX, and in XX/XX/XXXX I sold the vehicle as a dealer buyout. Fast forward to earlier this year ( XXXX ) I was made aware that there was a balance on the account that I was not unaware of. I decided to do a payment plan for the balance, upon completing the payment plan on XXXX XXXX, they reported my account as late, delinquent and settled, which dropped my credit score more than 100 points. I feel like this was unethical and I was not made aware that this was being report to the credit bureaus, and figured this was just a in house matter. I have had my credit history for then 15 years and I have never in life had a late or Miss payment, this 100+ point deduction on my credit report has been detrimental to me and my 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 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1400.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1400.00} ), XXXX XXXX, ( Date Opened : XX/XX/XXXX, Balance : {$830.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$5100.00} ), XXXX XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX, Balance : {$1100.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3300.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$160.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch

Complaint:
XXXX paid part of a bill for a medical XXXX fee in XXXX 2012 and failed to automatically pass the remainder on to my supplemental insurance company. I can get little information from XXXX about what happened to the remained as they do n't seem to know and can not get any information. The original lab fee bill to XXXX was in the amount of {$590.00} of which XXXX paid an unknown amount but failed to automatically send the remaining amount of {$200.00} to XXXX XXXX XXXX which has my supplemental insurance. I can get no information from XXXX about my account # so I can get no information there. I need to know how I can get XXXX to send this {$200.00} on to XXXX XXXX XXXX as I have been getting Collection Agency bills for XXXX years. Can you help me. We can not afford to pay this bill which we do not owe. We pay more than {$5000.00} a year for this supplemental insurance. Somebody has messed up on this bill, whether it is XXXX or their vendors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need these items deleted from my credit report : XXXX XXXX XXXX, XXXX  XXXX. Inquiries : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  I have contacted my local police and the FTC. I am doing this on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
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: EQUIFAX, INC.

Complaint:
XX/XX/2023 - I have requested the removal of a activite security alert that is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Penn Credit Corporation

Complaint:
There are incorrect addresses, phone numbers and name. 
The debt against me from XXXX XXXX XXXX should not be in my name, that debt should be taken against a former boyfriend/my childs father/ roomate, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc

Complaint:
XXXX XXXX XXXX there were over {$450.00} worth of transactions in small ammounts to 3 emails. i reported it as fraudulant charges and identity theft. they understood the problem and deemed it authorized transactions because it came from my acout even though i had no acess to my acount and my phone was hacked and i was receiving death threats.paypal closed the case a second time even faster after i send the dispute letter from the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
Experian and XXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine. 

These are fraud, I didnt benefit, apply for, and authorize these accounts. 

XXXX XXXXXXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit 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 explanation
Consumer complaint received 2022-12-20
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: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # 's XXXX XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX  Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX  XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX  Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX  Account number : XXXX, has violated my rights. Pub. L. 90-321 [ 5 USC 1681A SUBSECTION 4 ( Consumer Privacy Act ) ] Pub. L. 90-321 [ 15 USC 1681B subsection 2 ( No written consent ) ]

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
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:
My XXXXXXXX XXXX XXXX XXXXXXXX Visa credit card is lost/stolen. The XXXX XXXX XXXX XXXX Visa account number is # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have unauthorized inquires on my report as of XX/XX/2022 I want them deleted as I did not receive anything for these inquires and It brought my score down and made it impossible to obtain products for personal and family use. I have tried contacting the company who 0auhorized these inquired but they denied having any fault to the inquires

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.

Complaint:
Hello to whom it may concern, I am reaching out in regards to fraudulent inquiries on my credit report. I have contacted both the creditor, XXXX and customer service would not take care of the issue. 
The Inquiries listed were : XXXX XXXX ( Bank ) XXXX XXXX XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/2021 XXXX XXXX  ( Bank ) XX/XX/2021 XXXX XXXX XXXX Bank ) XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
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: Credit Plus Inc

Complaint:
THE INQUIRIES LISTED WERE NOT AUTHORIZED AND DO NOT BELONG TO ME XXXX XXXX XXXX - XX/XX/2017 CREDIT PLUS X3 - XXXX XXXX AND XX/XX/2017 XXXX XXXX XXXX - XX/XX/2017 XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XXXX XXXX, Equifax / XXXX / XXXX has not responded answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX XXXX XXXX : {$110.00} i believe were reporting in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
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: CITIBANK, N.A.

Complaint:
Hello! 

I'm trying to resolve a set of disputed charges on my Citi card. On XX/XX/XXXX, a set of fraudulent charges from XXXX appeared on my statement. I've attached a list of the related transactions. The sum of charges and refunds adds up to {$150.00}, not {$0.00} as it should. 

Citi noticed the suspicious activity, called me to confirm I didn't purchase anything from XXXX, then credited my account with three security credits matching the original charges. 

Simultaneously, XXXX issued partial refunds of {$200.00} and {$200.00} to my account. On XX/XX/XXXX, Citi concluded the investigation and attempted to reverse the XXXX refunds, leaving the SECURITY CREDIT ones. Unfortunately, the refunds were for {$350.00} and {$230.00}, which didn't match the original XXXX credits issued to my account. 

After the full set of charges and chargebacks, I'm still owed {$150.00}. 

I've tried getting in touch with Citi repeatedly since XXXX. I've made a half dozen phone calls to their fraud department and used the online chat to try and resolve things. I still don't have the refund I'm owed. 

Couple other notes. It's been hard to track down the transactions since Citi migrated transaction history to the new card number and purged the old one from the web dashboard I can see. Also, all of the transactions were dated to XX/XX/XXXX, but the security credits posted on XX/XX/XXXX, and the final XXXX charges posted on XX/XX/XXXX. 

Thank you very much.

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 monetary relief
Consumer complaint received 2022-09-24
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: WELLS FARGO & COMPANY

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand 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 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC

Complaint:
The items was removed from my credit and now I see they are still on or back on

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
After pulling my credit report I found several errors on my personal information. 

These name variations are incorrect : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have several addresses on my credit report that I have never lived at and I need to make sure no one is applying for anything in my name. I have never lived at these addresses but some may be family members addresses : Please REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX These telephone numbers are not accurate, please delete : ( 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 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-01
Product: Checking or savings account — Other banking product or service
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: Block, Inc.

Complaint:
Whoever it may concern, Since XXXX of XXXX, I have been a Cash App customer under the name XXXX XXXX. I am writing to dispute a transaction that occurred on XX/XX/XXXX that was not authorized. 
On the date indicated above, my employer XXXX XXXX XXXX XXXX XXXX XXXX deposited {$270.00} into my account. However, when I checked my account at XXXX XXXX, I discovered that the funds had been removed. At XXXX XXXX, I engaged in a communication with XXXX, Cash App Advocate, who informed me, " I see that we were notified of your {$270.00} direct deposit on XX/XX/XXXX at XXXX XXXX. XXXX. Typically, it takes one to five business days for the funds to be deposited into your account. Although we can not deposit these funds any faster, they will be available in your account as soon as the bank settles the deposit. It may take 1 to 5 business days for the funds to become accessible in your account, XXXX. 
However, I contacted Cash App on Monday, XX/XX/XXXX at XXXX XXXX and inquired about the status of my funds with XXXX XXXX ID XXXX. The representative informed me that between XX/XX/XXXX and XX/XX/XXXX, several technical issues increased my available balance, which paid for purchases at XXXX, and they deducted funds to cover those costs. 
Concerning this matter, no communication was ever sent informing me that there were technical issues that would have an impact on future finances. 
Second, their staff 's inconsistency regarding the status of my funds is perplexing, and I need to know the status of my funds. 
Third, the lack of these funds has contributed to financial hardships ; how will this issue be resolved? 
In addition, I would like to submit copies of the conversation in which XXXX confirmed that I would receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
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 recently obtained a copy of my credit report and notice accounts i dint not authorize. TThe following companies have violated my rights acording to 15 usc 1692. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire XXXX XXXX XXXX inquire XXXX XXXX XXXX inquire XXXX XXXX XXXX XX/XX/XXXX XXXX inquire 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 2023-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY

Complaint:
On XX/XX/2023 XXXX and XXXX XXXX on behalf of Wells Fargo filed a lawsuit to attempt to collect a debt not owed as a result of identity theft. On XX/XX/2023 Wells Fargo attempted to validate the debt through case number XXXX regarding the account ending in XXXX. Through the debt validation process, Wells Fargo confirmed the debt was a result of fraud and I was not responsible for the amount in question. The creditor, Wells Fargo has removed this item from my credit report, but XXXX and XXXX still have a lawsuit and are continuing to collect on a debt that is not owed.

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