hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-12-29
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 am submitting this request for the following reasons : 1. I have not received a response regarding the incorrect information on my credit report from the credit reporting agencies in many, many months ...

2. There are late payments on my credit report but I was never late on these accounts 3. There is incorrect or old information on my credit report that should not be there ... 
I have properly notified XX/XX/XXXX, TransUnion and XX/XX/XXXXregarding these issues multiple times, however, the incorrect information is still showing up and I don't know what else to do at this point. I am not receiving any 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX XXXX is being reported on my XXXX, Transunion, and XXXX credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

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 2021-01-05
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: Experian Information Solutions Inc.

Complaint:
I sent a certified letter for verification and inaccurate info on my credit report for account # XXXX XX/XX/XXXX To Experian Credit Bureau on XX/XX/2020. Experian received the certified letter on XX/XX/2020. 60 days past by and I never received a response back from them until XX/XX/2020 with no verification or info accuracy. The response time for investigation is 30days even with the extra days for covid this still was a violation of section 611 ( a ). Failure to investigate in 30days is an immediate removal from credit report. I demand that acct XXXXXX/XX/XXXX be removed from my credit report. This was a violation of my rights! I have uploaded receipt and letters to validate my complaint.Thanks

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 2022-12-06
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.

Complaint:
Citi AA CARD WAS CLOSED without my consent, after talking to citi rep they said i requested to close account but i did not & they claim to receive a third party letter on my behalf to close account & the account no. on that letter do not match with my credit card with citi & now to reopen citi wants to do a hard pull on my credit which is not acceptable as citi made error in closing 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 2023-08-19
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: EQUIFAX, INC.

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$2700.00} ; XXXX XXXX XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-17
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: American Credit Acceptance, LLC

Complaint:
This company is reporting to the credit bureaus inaccurately. I was given a deferment in XXXX for the months of XXXX and XXXX. Then they reported to the bureau that I was 60 days past due causing my credit score to go down. I was not 60 days past due once the deferment hit I was told it would correct my account and it did not it only updated to show that I was current. I want the 60 day past due to be removed as I paid my account up in full in XXXX and then again ontime for ongoing payments in XXXX. I have always kept my account in good standing and I want this corrected ASAP this is ruining my credit. 

XXXX XXXX XXXX XXXX, TX 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 2018-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA

Complaint:
I am a medical resident that has been trying to pay back my loans with FedLoan. I submitted to be on pay as you earn four times during my second year in residency, and I was denied because they said I made too much money. When I spoke to them, I finally got through to a supervisor who said this was their fault and I can be back on PAYE. However, before this happened, they capitalized XXXX dollars on XX/XX/18. I called immediately about this, and they said that this should not have been capitalized and that it is their fault and they will submit a request to have it changed. It has now been almost three months, and I have been placed on income contingent, then forebearance, then income contingent, and now finally back to pay as you earn. They also sent a letter saying I now have XXXX more dollars that will be capitalized due to all of the switching. I called and they submitted another request to have this changed. SO now I have XXXX dollars of capitalized interest that should never have happened, and they refuse to let me speak to the people in charge that deal with these complaints. I can barely afford to live on my resident salary, and I am never going to be able to pay back these loans if they keep messing it up. PLease help!.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
It's been WELL over 30 days since my first attempt to get PROOF and MY SIGNATURE and or the ORGINAL application or contract that Okayed any of these companies to view my credit ON ANY DATE or a specific date due to a duplicate inquiry or no consent. 
Legally these inquiries have to be removed!! I have attached the list and all are INCORRECT/INACCURATE/DUPLICATE/NOT APPROVED by me. My last 3-6 request to get these removed shows the laws you let these companies and are now violating.. 

Show proof of an open account or the orginal DENIED application with my signiture PLUS proof I wasn't denied due to OTHER INQUIRIES that should had not appeared on 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 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION

Complaint:
Apply employment with XXXX. Hiring manager called me over the information they got in my background check. While discussing report she accused me of a crime I had NOT committed. So an additional report was made. In the end I was denied employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY

Complaint:
My taxes were deposited and available to my account per text message. On XX/XX/2023 I transferred money from a checking to a savings account that same day. The next day and the following days more transfers and some payments made to cash app. Majority of my transactions were transfers from my savings to my checking account with the biggest paymentbto vash app being {$1200.00} when I woke up on the XXXX of XXXX My my account was negative {$1200.00} when I called the bank They advised me that my account was negative on the XXXX in the amount of {$5500.00} because of a transfer from my checkingbto my savinging she said the funds were available but not posted at the time I transferred. My account went negative based on transfers from my savings to my checking or from my checking to my savings. However I know like with right now if my account is negative it's not gon na allow me to continue transferring money from one account to the other when I talk to the representative at Wells Fargo she advised me that my account was negative because of the way Wells Fargo processes the transfers and deposits. She told me that my account was negative over {$5000.00} after a {$4500.00} transfer and then I got a deposit of {$6600.00} which doesn't make any sense because I got a text message from them when the {$6600.00} deposit was made also I didn't have XXXX to transfer before I got that text. This is fraud there is no way that I should owe {$1200.00} based off of transfers. That I made from XXXX account to another when the backs will not allow you to transfer money from XXXX account to the other that is not available. I watched the money I transfered be removed from the balance as I make the transactions so I'm unsure how this money is owed when the money i spend shows u avaliable the moment I spend 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 explanation
Consumer complaint received 2022-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I disputed the XXXX account with Transunion around XXXX XXXX XX/XX/XXXX. By XX/XX/XXXX they VERIFIED it as ACCURATE and continues to report this item. However, this account is and has been reporting this incorrect and inaccurate information for the past 3yrs. This account is being reporting as 90 days LATE on XX/XX/XXXX, 120 days LATE on XX/XX/XXXX then additional 120 DAYS LATE on XX/XX/XXXX. THIS IS IMPOSSIBLE and INACCURATE! They must not know that XX/XX/XXXX to XX/XX/XXXX is only 30 days not 120 days! The last date of activity is inaccurate as well. These inaccuracies has been affecting my credit score negatively for the past 3 years and had me getting denied credit! This is devastating and I have requested the deletion of the account on multiple occasions! Furthermore they do not do proper investigations when requested because they lied to me when they said it was VERIFIED AND ACURRATE! And when compared to the XXXX and Transunion reports i found several discrepancies such as High credit limit, last activity date and account type. I have disputed this account several times over the past few years and Transunion kept verifying it as accurate and kept it on my report. They are in Violation of my consumer rights according to the FDCPA and FCRA. Please DELETE this Account as requested previously. I want this item removed PERMATELY.

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 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Phoenix Financial Services LLC

Complaint:
this account is unknown to me, I have no knowledge of the account. I never recieved proof that the account belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
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:
Unauthorized hard inquiries where put on my Transunion credit report from an incident of Identity theft. I did have some closed and open accounts with some of the institutions listed below, however the new inquiries where not initiated by me. The list below shows name of institutions, as well as dates of occurrences. 

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 2023-07-17
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly 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

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 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
In accordance with the fair credit reporting act Capital One Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
They have not VALIDATED this claimed debt they are attempting to collect from me pursuant to FDCPA. Company claims to have purchased the debt but does n't offer any proof the purchased debt was VALID and MINE. No written agreement, no signature, no verification at all. No proof if ID card etc. 
Please remove this trade line from all credit bureau reports you have reported to as it is hindering my ability to obtain credit. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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'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 and 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 non-monetary relief
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.

Complaint:
On my XXXX & XXXX  reports for the Nelnet Direct Subsidized Loan ending in XXXX for orig amt {$8500.00}, 90 day late is being reported for XX/XX/XXXX, but the loan, along with all of my other loans with them, was paid in full through consolidation on XXXX  XXXX, XXXX. Late payment being reported is after date loan was paid in full. Please remove late payment for time period nothing was owed because you were already paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION

Complaint:
I went to M & T bank and took out a XXXX XXXX account. I change it to my nephew name XXXX XXXX. In 2020 I put it back in name. My name is XXXX XXXX. I called M & t bank and XXXX XXXX and I never got through to the XXXX number or response from XXXX XXXX. My nephew recieved a 1099-R from the XXXX XXXX I brought from M & T bank saying he took out {$8.00}. He never took out any money from the XXXX XXXX XXXX. They are lying. M & T bank gave me the same number. XXXX XXXX gave meXXXX. The 1099-R should be in my name because it has changed to my name and no money was taken out by me or my nephew. He will be unable to get a refunf because the lie XXXX XXXX I brought from M & t bank saying my nephew took out money. They said he took a taxable amount. They say {$8400.00}. Please help to get this matter fixed..

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