hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY

Complaint:
XXXX XX/XX/2022 Story regarding the institution named below, WELLS FARGO Wells Fargo Letter dated XX/XX/2022 Application # XXXX Identity can't be verified letter dated XX/XX/2022 Application # XXXX Identity can't be verified Documents faxed as requested to XXXX Successful delivered at XXXX EDT on XX/XX/2022 See Attached Fax sent to XXXX ( Wells Fargo ) on XX/XX/2022 asking status and documents, passport, utility bills ( XXXX XXXX  XXXX XXXX sent again. 

Filed complaint to CFPB on XX/XX/2022, # XXXX CFPB confirmed sending copy of complaint to Wells Fargo XXXX 

Fax Again Real-time Fax Status Real-time Fax Status : Successfully Sent Fax Info Date : XX/XX/2022 XXXX XXXX  PST Receiver Name : Wells Fargo Visa Receiver Company XXXX Wells Fargo Receiver Fax XXXX XXXX XXXX Subject : XXXX Page Count : XXXX ( including cover page ) Letter from Wells Fargo XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Subject : Were responding to your concerns Case number : XXXX Application number ending in : XXXX Consumer Financial Protection Bureau, case number : XXXX SIGNED BY : XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Wells Fargo makes another enquiry to XXXX on me, XXXX XXXX. 
See attached Letter from : Wells Fargo Letter dated XX/XX/2022 Application ( now ) # XXXX Identity can't be verified See attached

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 2019-10-02
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: Bread Financial Holdings, Inc.

Complaint:
I reviewed my credit report & see this company ran my credit without my authorization! Ive never heard of this company! Nor did I authorize or apply for anything with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and Better Business Bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP, I will not wait another 47 days to receive no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been 47 days so they should be deleted promptly.

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 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
In accordance with fair credit reporting act. the list of accounts shown below have violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 XXXX account has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 1681section602a states i have a right to privacy.15 usc1681 section604a section2 it also states a consumer reporting agency can not furnish account without my written instructions, and i did not give written consent.15 usc 1681c ( a ) ( 5 ) 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 crime which antedates the report by more than 7 years.

15 usc 1681s-2 ( a ) 1 ( a ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX experian 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 2019-05-24
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 a collection that is not valid and is duplicated on my credit report on XX/XX/2019, the collection is listed as XXXX XXXX and for {$310.00} on both listings. Transunion sent back verified as accurate but did not give me proof of these account reporting as accurate. No files were sent showing that this collection belongs 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 2017-05-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.

Complaint:
Commonwealth Financial ha s placed a collection on my   XXXX   credit report on    XXXX    2017  for {$240.00} without sending me written notification to validate the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
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: EQUIFAX, INC.

Complaint:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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 implore you to take action and remove these fraudulent accounts from my credit report immediately.

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 2021-07-11
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC

Complaint:
I closed on a loan with LoanCare XX/XX/XXXX but they continued to report to the credit bureaus that payments were late and the account was over 150 days delinquent. Incorrectly reported information for XX/XX/XXXX through XX/XX/XXXX. The account was paid in full from the sell of the property XX/XX/XXXX. I have attempted to contact the lender at the phone number reported on the credit bureaus however they say theres no record of an account with me in their system.

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 2023-06-21
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 have never made transaction to these companies nor applied for credit. They are fraudulently reporting on my credit report. I filed FTC report with report number XXXX and now requesting CFPB to investigate as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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 address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
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:
There are items that are reporting that does not belong to me. Please remove the following items : XXXX XXXX XXXX - Date Opened XX/XX/2017 Incorrect Address : XXXX XXXX XXXX ( XXXX and Experian ) Incorrect Address : 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 2017-12-17
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On two occasions, within a span of 2-3 days, my credit was used to try and finance a vehicle. I had no knowledge of it and did not authorize these inquiries. I contacted each one of them by phone and they refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
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:
These inquires are not recognized. Have sent in several different request stating these were not authorized. Some inquiries are showing up multiple times on report These are the unauthorized inquiries : 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 2021-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.

Complaint:
In XXXX of 2021 Chase bank closed my accounts, there was close to XXXX between both accounts. I have tried calling them multiple times to find out when I will be receiving my money from them, they keep giving me the go around and saying they are doing an investigation on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.

Complaint:
Received an information XXXX and written questionnaire dated XX/XX/2023 on XX/XX/2023. 

Today XX/XX/2023 money was withdrawn by XXXX XXXX XXXX XXXX from my XXXX year old daughters checking and savings account. 
1. Not even 10 days to return the questionnaire.

2. All money in my daughters account was from her part time job. None of that money was mine. I have a checking and savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX ASST # 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. They have also illegally re-aged my debt.

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 2019-10-29
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:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
please find attached the creditor letters for which they have approved to remove the inaccurate late marks from my credit, please help me to have XXXX remove these negative marks remove as well, the other XXXX bureaus have already removed except experian, i have tries to upload these letters to XXXX but they are not willing to remove, even though the creditor has removed all the negatives please help me to remove from XXXX thank you

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 2021-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.

Complaint:
The creditor company was under LVNV funding And now resurgent capitol. This debt was included in my bankruptcy and it was charged off. This business came back as resurgent capitol and has put this negative on my credit. 
I paid them {$330.00} and they said they would remove it from my credit. It still on my credit which should have been discharged and I should have never paid something.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.

Complaint:
My former apartment complex, The XXXX, sent me my move out statement that showed I didn't owe them anything after my move out on XX/XX/2022. I was also told by the office that if I should owe a balance they would allow me 30 days to pay the amount owed before sending to collections. Less than two weeks after the initial statement showing nothing was owed to them, I was sent to collections for an amount over {$500.00} and was not notified until my new apartment complex manager let me know that my previous apartment complex had just called her to try and keep me from getting an apartment at my new complex claiming I owed them money despite the statement I had from them showing I didn't. Then a few days later I received a collection letter from PCI ( ProCollect ) stating I had been reported for debt collection and that I could dispute or ask for validation of the debt. On XX/XX/2022 I went to the ProCollect website and completed their contact us form with my reference number provided in the letter and I disputed the debt and asked to be contacted. I never heard back from ProCollect despite my attempt to establish contact to discuss the collection attempt so I could provide my documentation and the slander that was attempted by the apartment manager in trying to keep me from getting a new apartment for me and my XXXX children as a single mom that was not notified and given false information by my former apartment management. I receive several calls from them but they never respond when I answer the phone and instead the call disconnects. They are reporting to my credit report and it doesn't seem right considering I had made attempt to dispute the debt and reach a resolution with ProCollect.

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 2017-12-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.

Complaint:
Someone tried to obtain a credit card from PayPal through XXXX.I never applied nor would I.Iwrote a letter to PayPal to send a letter of Deletion to XXXX but after a month was told they were not able to comply because they use XXXX XXXX XXXX to do credit checks and the bank is responsible for all credit from PayPal. I contacted the bank and they said it was not their responsibility to resolve PayPal disputes.XXXX was very hard to reach and  said they could not help me without The Letter of Deletion from PayPal The date I was first aware of the fraud was XX/XX/XXXX,2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I would like you to investigate and REMOVE the illegal and unapproved " Hard Inquiry '' on my credit report by the  XXXX   XXXX   XXXX  on   XXXX   XXXX   XXXX  . They (  XXXX   XXXX   XXXX   XXXX  NEVER informed me that a hard hit would take place. To add insult to injury, after repeated back and forth conversations with  XXXX   XXXX   XXXX   management, the y keep insisting that " customers are not told that their card would be getting a HARD credit inquiry hit as the customer should " Assume '' that a " Hard Inquiry '' would take place.     Really? Who in their right mind would say YES to a hard inquiry ( similar to the level of buying a house or a car ) stuck on your credit for 3 years for a {$100.00} credit increase? This has to be a JOKE!      XXXX   XXXX  has now damaged  my credit score a nd now I have to wait before proceeding with my mortgage application until this ILLEGAL mark on my credit report in permanently removed.     This NEGATIVE mark and ILLEGAL and UNAPPROVED act by the   XXXX   XXXX   must be addressed as the rep on the phone on   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX    (  and several times there after ) informed me that it 's common practice to pull this sort of nonsense on innocent, unadvised and uninformed customers such as me. Never has any other credit card company in my  XXXX  years ever hit my credit with a HARD inquiry for a simple, few  hundred  dollar credit increase request. If they were going to do so, they would inform me fully before proceeding. Instead, as the management at  XXXX   XXXX   XXXX  repeatedly told me, it is NOT their responsibility to inform the customer if they are going to pull a soft or HARD credit inquiry. Very disturbing, to say the least, when a customer is last to know and will only find out by default via your credit bureau credit report mont h ( if not years ) down the road .     So, as in my case,  XXXX  hard inquiries were done on my card by  XXXX   XXXX   XXXX  within a 2 months window. What did I do, buy a house or a car from them? NO, I just simply asked if it was possible to get a couple hundred dollar credit line increase.

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 2023-05-23
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:
This is XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report.

Company response to consumer: Closed with non-monetary relief