hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry 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 non-monetary relief
Consumer complaint received 2015-08-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Express Recovery Services, Inc.

Complaint:
Told me I was patient owing for medical bill. Found out trying to collect unauthorized hospital test done on DECEASED HUSBAND two years ago. He was totally covered by XXXX, XXXX XXXX and had already paid any applicable deductible. Last time I answered, the balance had increased by more than 10 percent. They are deceptive and rude.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.

Complaint:
My name is XXXX XXXX and I am a victim of sim swap. On XX/XX/XXXX, I started getting tons of spam text. My internet was cut off 15 minutes later. Calls, texts couldn't be made or received, neither the GPS was working. I went to the XXXX store in XXXX, NY. My phone was operating after the XXXX store switched my sim card. I went to XXXX XXXX and XXXX XXXX XXXX, NY. My debit card got declined. I attempted to check my bank account in XXXX XXXX, but was not successful. I got to my car, I clicked on the forgot password on the Chase application, put the same password and got in. The amounts of {$5000.00} and {$26000.00} were unauthorized moved from one account to another. Then I had three unauthorized purchases done at two different XXXX stores in the city. The purchases were made of {$8700.00}, {$15000.00} and {$7200.00}. I never got a call to verify these transactions. I called Chase to put in the claim. I got only 1 claim number for the purchase. I did a Police report. On the XXXX, I faxed the Police report number. I called on the XXXX, my claim was denied because according to Chase the purchases were authorized. They refused to email me a denial letter. On the XXXX, I faxed the police report. On the XXXX, my claim was closed again after confirming that they had the report. The claim got reopened and I got 2 claim numbers, for unauthorized transfers and the three unauthorized purchases. An XXXX XXXX had changed my password on XX/XX/XXXX and I own an XXXX XXXX. Chase saw my phone couldn't log in to the application on XX/XX/XXXX. On the XXXX, I got credit for the unauthorized purchase and XX/XX/XXXX, the XXXX Department removed the money that was credit. On the XXXX, my case was denied because until this day I still have the debit card. On the XXXX, I filled out an Executive Complaint. On XX/XX/XXXX, I got a call from the Executive complaint. I was told that they will look into my case, but they did not think the claim was going to get approved. The complaint was denied on XX/XX/XXXX. The Executive Complaint Department refuses to provide me the information that shows that my debit card was declined in XXXX XXXX and XXXX in XXXX, NY on XX/XX/XXXX. On XX/XX/XXXX, I faxed a picture of an open email that was found asking to verify the first transaction under my All Mails. Those emails were not found under Inbox or Deleted emails. On XX/XX/XXXX, I went to the branch where I filed the Executive Complaint, I was told that there was nothing else they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
I contacted via phone and every rep I spoke to told me to send my disputes through mail. I sent my letter on XX/XX/2021 and havent received a response. Im unsure to why I have been ignored. I take my credit very seriously and I need the incorrect information listed on my credit report deleted asap. Being that it has been over 70 days I dont have time for them to do an investigation because it should have already been done. I need the incorrect information deleted as soon as possible and I will not wait another 30 days. This situation has been stressing me out and Im willing to file for litigation if need be if these items arent deleted asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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: WELLS FARGO & COMPANY

Complaint:
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2021. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

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 2023-03-31
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 disputed 2 bankruptices and the accounts associated with them several time over the last few months. However the credit agencies refuse to allow me to keep disputing and comes back verified everytime even though the 3rd party XXXX XXXX does not have this information on their reports which is whom im being told houses and verified this information

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 2018-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint:
On XX/XX/2018, I used ATM machine at XXXX XXXX XXXX, my debit card is from XXXX, the ATM machine is from Fith Third Bank. 

When I withdraw cash, I was given the message that there would be charge for transaction fee, I accepted and continued the transaction of withdrawing. 

However I checked my bank of account next day, I found 4 unrecognized fees, it said " BAL INQ 1 TERMINAL DRIVE FEE ''. Every fee {$2.00}, totally {$10.00} Then I finally knew that I was charged four times just because I checked balance three times and one time failed to withdraw because of withdrawal limit. 

By the way, even on the receipts, there are no anywhere that mentioned there would be this charge for balance inquiry. 

I did not know there would be fees for balance inquiry and even failing to withdraw. This is absolutely misleading consumers and cheating consumers. 

I have the receipts in hand now if you need.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
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:
I have been trying to remove fraudulent accounts from my credit report since XX/XX/2019. On XX/XX/XXXX, I mailed a dispute package to XXXX, XXXX & Transunion asking them to provide me documentation they used to validate the fraudlent accounts that were a result of Identity Theft. All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) also FCRA 605 ( b ) therefore, the accounts must be deleted from my credit report within 4 days.

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 2022-09-13
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 non-monetary relief
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.

Complaint:
I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX CC, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX XXXX XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
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: EQUIFAX, INC.

Complaint:
ftc violatoions XX/XX/2017, the Consumer Finance Protection Bureau filed a lawsuit against XXXX. The CFPB accused XXXX of failing to act in its customers best interests. Among other things, the CFPB charged that XXXX :

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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # : XXXX, Account name : DEPT OF EDUCATIONXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXX # : XXXX, Account name : XXXX XXXX  # XXXX Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX  Account name : 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 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 response to consumer: Closed with explanation
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
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: Experian Information Solutions Inc.

Complaint:
I filed an ftc report with Experian regarding a collection agency I have never made business with Experian deleted it and then reinsert it back without notifying me. I wrote back to Experian with proofs that they had sent me that collection account was deleted and then they put it back on. I received a response to my dispute today XX/XX/2022 with them saying Updated!! What does that even mean they were supposed to remove it they are in violation of my rights as a consumer. Its affecting me to get approved for home so that my kids can have a home its causing me XXXX and XXXX  cause this matter is not being resolved. Experian is ignoring my disputes I will have to take it to litigation since they are violating my rights and I have proofs to prove it!

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 2020-10-24
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 have tried to get this information clear up from all three of my credit report. The bureau inform me that they would not investigate again. The items on my report should have been of my report because the seven years has been up. They have me down as late payment on my mortgage. My report is not right I have tried several times with them to get it resolved. I have call each credit bureau at sixteen times concerning my credit report. I am a disabled veteran. Im getting depressed dealing with this..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK

Complaint:
The Discover Account is reporting erroneously. The debt was fully forgiven and discharged, and yet the account is still reporting on my credit. This account needs to report a XXXX  balance or be deleted from my credit in its entirety. Please see the attached 1099C.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
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:
XXXX  is allowing XXXX XXXX  to furnish inaccurate information on my report! I disputed this alleged charged-off account XXXX before on the here ( The Consumer Financial Protection Bureau website Complaint ID XXXX ) I stated the alleged account has the wrong date of first delinquency with proof of the payment history calendar contradicting the date of first delinquency. Yet XXXX  Verified the alleged account. Then sends me a credit report stating the alleged Data furnisher/Creditor has verified that the date of last activity is reporting correctly yet the credit report did not furnish any date of last activity or date closed for the account however they did furnish the same inaccurate date of first delinquency this is inaccurate and incomplete reporting at best!!! 

I also Disputed the date of this Alleged account of first major delinquency with XXXX  received the same response. XXXX  Claimed they did an investigation but when they allegedly " updated the account '' The status date was not updated and is still outdated by 3 years which is a violation. 

Transunion Claims that XX/XX/2018 is the last payment but the alleged payment calendar suggests it is XX/XX/2018 both dates can not be correct and both are not consistent with the alleged date of the first major delinquency shown on XXXX  which means all 3 credit reporting agencies are furnishing inconsistent data I demand a reinvestigation on this alleged charged-off account immediately. After the reinvestigation I want this alleged charged-off account deleted immediately If this alleged charged-off account is verified I demand the credit reporting agency to upload/send a method of verification to this consumer portal or to mail it to this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX who I have given power of attorney to, to handle this unethical reporting by the aforementioned credit reporting agencies I want to know who was contacted when you contacted them, the name of the representative who was contacted with the date of the investigation, and the procedure you utilized. Section of 611 ( a ) ( 7 ) states that you must give me : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description listed above.

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