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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2022-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION

Complaint:
In XXXX I received notification that two accounts were opened in my name and using my social security number at BB & T. I contacted the bank and informed them of the issue... one account had been opened in TN and one in TX with my name and address associated with it. I contacted BB & T fraud department and was assured that they would close the accounts. I also contacted the XXXX XXXX Police Department and filed an identity theft report Report NumbeXXXX XXXX. I froze my credit. 

Today I received a bank statement from Truist for account " Truist XXXX Checking XXXX '' which shows a balance of {$110.00} with monthly maintenance fee of {$12.00}.

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 2022-10-03
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:
Submitting this CFPB Complaint will already be my 4th CFPB complaint requesting the removal of the Fraudulent accounts and information from my Credit File in accordance with the Fair Credit Reporting Act section 605b. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. However, upon reviewing my updated Credit Report, it can not be just be overlooked since the Credit Reporting Agencies have failed to completely eradicate the disputed items from my Credit File. I am now submitting this CFPB Complaint requesting to the Credit Bureaus that they immediately remove the disputed items from my Credit File. Also, the Credit Reporting Agencies have failed to send me copies of proof of verification or proof of ownership with the disputed items. I have been requesting these documents since last month and yet the Credit Bureaus have sent me nothing. Please have the following items removed as soon as possible ; XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I CAN NOT GET THROUGH TO TRANSUNION IN THE UNITED STATES, EVERYTIME I CALL I 'M TOLD THAT MY CALL CAN NOT BE TRANSFERRED OR THE PHONES ARE NOT WORKING.

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 2021-10-19
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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
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: Thaxton Investment Corporation

Complaint:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
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: BARCLAYS BANK DELAWARE

Complaint:
I was traveling on a transatlantic cruise from XXXX to XXXX, XXXX that was to arrive in XXXX on XX/XX/XXXX. My XXXX year old husband, my XXXX XXXX XXXX  brother, and my sister in law were with me. All of us are seniors. On XX/XX/XXXX, we received notice from family members telling us of the travel ban instituted by our President. Originally XXXX was not one of the airport approved for returning citizens however, we did not know that. We quickly started searching for flights to get us safely home and purchased 4 tickets on XXXX which I paid for with my Barclay XXXX XXXX credit card. At the time of the purchase I agreed to include the offered insurance, but XXXX accepted the ticket purchase and then notified me that the insurance had ( conveniently ) been denied. Within minutes I was on ship to shore radio, provided at the kindness of the cruiseline, asking XXXX to cancel the charge. In the chaos of the travel ban, the customer service agents at XXXX were overwhelmed and frankly very uncaring. All I got was we cant help you. I also reached out to them through their message method and got the same thing. I called Barclay and XXXX and got no help from Barclay and no answer of the phone or messages from XXXX. I have worked very hard now for 6 months to get some assistance from my credit card company that claimed when they signed me up to be my advocate. Can you please help 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 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Westlake Services, LLC

Complaint:
I have contacted this company multiple times. As shown in my history with cfpb. The debt with this company was included in XXXX XXXX  by Westlake and I was advised I was not responsible for the debt. Was discharged from XXXX XXXX XXXXXX/XX/XXXX and received discharge notice as well as letter from Westlake showing debt discharged and I'm not responsible. Westlake as of XX/XX/XXXX has went in and updated my report to show 5 months late XXXX XXXX XXXX XXXX XXXX all dates after my discharge date of XX/XX/XXXX. They have since updated my account credit report which once indicated discharged in bankruptcy to a charge off and dropped my score XXXX points. No reaffirmation agreement was signed.

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 2017-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC

Complaint:
XXXX  hired Sourc e Receivables Management to c ollect money from an account that was past due and they tried to threaten me with harming my credit and suing me if i did not pay even though i never ever had an account with  XXXX  and was not the person that owed the money I called  XXXX  twice to have them fix this problem and on the second call i was notified that the dept collector was notified on  XXXX   XXXX  to stop calling me and to cease and desist any dept collection from me today is the  XXXX  of  XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
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: CURO Intermediate Holdings

Complaint:
Speedy Cash/ Ad Astra Recovery Services an online pay day loan is charging me {$1400.00}. I did not apply for this loan and I dont even know how they obtained my information. This is reflected on my credit reports. I disputed this on all 3 credit bureaus and XXXX was the only bureau to delete the item. Please assist with helping me resolve this issue. Speedy Cash online loan is falsely charging me for a debt that I did not incur. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc

Complaint:
I filed disputes because my Chime card was declining on merchants end but I was still get posted charges for the transactions. I had to pay for the transactions by other means. On XX/XX/2023, Chime closed my account said I violated policies set in the terms and conditions. I didn't violate any policy because per the policies in an event like this, we're supposed to dispute and provide documentation and that's exactly what I did. Now my account is closed and whenever I'm calling, I'm being placed on hold and told I can't get my money until 30 days from now. I'm a single mother and the money in the account was all I have until I get my taxes back in XXXX. I'm now left with no means to pay any of my bills for next month, my kids schooling or even providing food for them. No one is trying to help me. I just want the account reopened or my money by the end of this week, in no way will I wait until another month to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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 reported multiple accounts ( XXXX ) as being delinquent when I was still enrolled in school. I sent them documentation to show I was enrolled at the time. I received an email from them saying they removed the delinquency. I also filed a credit dispute with Equifax. Equifax has not removed the delinquencies. I can forward the email and/or other documentation on request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
The account is declared Paid on my XX/XX/2018 credit report, but creditor will not provide written verification that the account is resolved.

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 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc.

Complaint:
XX/XX/2018 someone opened a new account in my name and it wasn't me. AMCOL SYSTEMS .. I CALLED THEM THEY TOLD ME TO CALL YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Turner Acceptance Corp.

Complaint:
I went to purchase a car the loan application was submitted to 2 companies 1 accepted on XXXX XXXX XXXX.turner acceptance turned around after I had already been approved for a loan by another company. They ran my credit again on XXXX XXXX XXXX. When I saw it I contacted them and asked them to remove it the staff member I spoke with said that they could not remove it and I asked her why would they wait 6 days after the first inquiry would they run a second one it is on my XXXX and XXXX report and they have not made any attempt to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.

Complaint:
After viewing a copy of my report, I noticed a collection account placed on my credit report from JPMBC -Card Service on XX/XX/XXXX in the amount of {$12000.00}. First and foremost, I have confirmed that the debt collector JPMBC -Card Service is not licensed in the state of Florida to collect on this debt. Secondly, JPMBC -Card Service violated FDCPA rules and regulations when they failed to send me written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to JPMBC -Card Service? Fourth, I have submitted several disputes with the credit reporting agencies ( XXXX, XXXX, Transition ) and provided them with valid proof of police reports, not 1 but 2 police reports stating and showing that I am a victim of Identity theft and that this alleged dept is mine. Its been 7 YEARS and this still is reporting on my credit report. Ive called the credit reporting agencies and they told me that this should be removed by XXXX of XXXX, however I am requesting and demanding that this be removed immediately! I have never heard of them, have no written contract with them and have never received any benefits from them, yet JPMBC -Card Service has submitted negative information to all three credit reporting agencies ( XXXX, XXXX XXXX XXXX ) against my name and social security number and is demanding payment from me in the amount of {$12000.00}. I am requesting validation made pursuant to 15 USC FDCPA. I respectfully request that JPMBC -Card Service provides me with competent evidence that I have any legal obligation to pay them. I asking that JPMBC -Card Service to please provide the following : 1. Agreement with the creditor that authorize you to collect this alleged debt, 2. the agreement bearing my " WET '' signature stating that I have agreed to assume the debt, 3. Valid copies of the debt agreement stating the amount of debt and interest charges, 4. Proof that the statue of limitations has not expired, 5. complete payment history on this account along with an accounting pf all additional charges being assessed, 6. show me that you are licensed to collect in my state ; and Registered Agent. If proper validation of the alleged debt can not be provided, I demand JPMBC -Card Service immediately delete and completely remove this alleged debt from all three credit reporting agencies ( XXXX, XXXX XXXX XXXX XXXX I also demand JPMBC -Card Service agrees to have no contact with me in any form regarding this alleged debt now or in the future. Lastly, I demand that JPMBC -Card Service agrees to remove my personal information from all accounts in its companies database.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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:
When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
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 2023-05-12
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 2022-08-10
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:
On XXXX, I sent dispute letters to XXXX, Equifax, and XXXX XXXX about inaccurate and incomplete items reported on my credit report. I sent it USPS certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX, XXXX XXXX XXXX XXXX XXXX for Equifax, and I need assistance in this matter.I will attach copies of the letters below for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Knight Adjustment Bureau

Complaint:
In XX/XX/2020 I disputed this collection on XXXX XXXX XXXX On my XXXX report Knight Adjustment responded saying this was accurate despite the fact that I let them know it was identity fraud. The other two agencies removed it from my credit.

Company response to consumer: Closed with explanation