hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-05-19
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:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following item and the account was to be removed from my credit report by your bureau. It is showing inaccurate and still reporting negatively. According to the Fair Credit Reporting Act, legally the following incorrectly reporting items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Party Owed : XXXX XXXX Type of Business : Credit Card Account Number from Credit Report : XXXX I am disputing this claim due to having the aforementioned item deleted off my credit report by XXXX XXXX XXXX XXXX and Experian.

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 2022-02-10
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:
Made several disputes subsequent to submitting documentation to the corresponding department fraud with Trans Union to have these remaining inquiries removed. I submitted the FTC report circling the inquiries that need to be removed from my credit report with Transunion.

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 2018-02-25
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:
unlawfully add inquiry to my credit report

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 2023-02-01
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:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act

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 2023-01-24
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: EQUIFAX, INC.

Complaint:
XXXX is continuously reporting inaccurate information. I have submitted documentation countless times regarding my name. My name is XXXX XXXX, not XXXX XXXX. I have been divorced for yrs, I do not use the last name XXXX. 

So to repeatedly contact me and boldly state my file will remain the same with XXXX XXXX is unacceptable. I dont know who XXXX thinks have the time or patience to go back and forth over the same issue for yrs. Im not doing it. Fix my file. Imtired of using stamps and paper and the issue is STILL not resolved in 2023.My name is XXXX XXXX , want me to spell it and sound it out? Documentation is attached, which XXXX already has this. Imtired & Im done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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 not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX Date Opened:XXXX Balance : {$2400.00}, XXXX XXXX Date Opened:XXXX Balance : {$9700.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5800.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$29000.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$22000.00}, XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$6700.00}, XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date XXXX XX/XX/XXXX Balance {$6600.00}, XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$9100.00}

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 non-monetary relief
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 has reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
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:
I was not late for the dates shown in XX/XX/XXXX-XX/XX/XXXX. All other dates are N.A. they have removed this one other two credit reports but have not on 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 2023-08-22
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: EQUIFAX, INC.

Complaint:
I have called the creditors and credit bureaus to let them know the inquiries included in the document below are not supposed to be reported to my credit. These should not be visible on my consumer report. I never gave them written consent to report them. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.

Complaint:
Remove All Inaccurate Information from my Credit Reports. ( Warning!!!! ) I received a copy of my credit report and found you are reporting incorrect information to the credit bureaus!! 
Under federal law, as a furnisher of information to consumer reporting agencies, you must conduct a reasonable investigation of my dispute and you must complete this investigation within 30 days of receipt of this letter. I demand that this information be investigated and either verified or removed from my report. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. ( You Have Been Warned!!!! ) Please send me confirmation the information has been removed from my credit files ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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: Mercedes Benz Financial Services

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : MB FIN SVCS XXXX Date Opened : XXXX Balance : {$26000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint:
In XXXX of XXXX I went to my local bank branch to effect a balance transfer which would pay off my Visa account at USAA and create a new Visa account at my local bank ( for which there was an incentive of getting six months without interest ). The payment from my bank to USAA was rejected as having the wrong address. After additional attempt was made to effect a balance transfer, I requested an e-mail from USAA with the verified payment address, which they provided. This was the very same address which I had provided to my bank the first time I attempted to transfer the balance in question. After a 3-way call with myself and representatives from both my bank and USAA was held to determine exactly what was required to do a balance transfer, a final attempt to effect a balance transfer was undertaken in XXXX of XXXX and again USAA rejected the payment from my bank stating that the full account number of the USAA Visa account was needed. My bank XXXX XXXX XXXX XXXX XXXX XXXX assured me that the entire account number was provided to USAA via ACH information but was never included on hard checks due to security concerns. Nevertheless, USAA again declined the payment and seems to contrive multiple and various excuses to decline any attempt to effect a balance transfer from my bank. 

Ultimately, I have declined to make further payments on the account pending a resolution of the issue because I believe USAA is deliberately obstructing my attempts to close out my Visa account with USAA. I have communicated my position to USAA in that regard but they have now begun harassing me with collection calls on a daily basis. 

My bank assures me that they have provided all the required and customary information for transactions of this type to USAA. USAA, however, continues to claim that additional or different information is required or that the information needs to be presented to them in a different form. In short, they are refusing to accept a balance transfer as payment against my account and doing so without justification, which has cost me over 15 months ' worth of interest ( a total of over {$1000.00} ). I have spent considerable number of hours making multiple trips to my local bank branches, making phone calls, and participating in online help chats until I am simply unable to continue pursuing this myself because nothing I do changes the outcome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
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: ERC

Complaint:
On XX/XX/2020, I saw that a collection account using the name of Enhanced Recovery started being reported to my XXXX  credit report. The debt is not mine and I have never received a bill or invoice from Enhanced Recovery about this debt prior to it being reported on my XXXX credit report. I disputed the account because it is not mine and XXXX  reported on XX/XX/2020, that Enhanced Recovery verified the debt and it remains on my credit file. I wrote a letter to Enhanced Recovery asking them to validate the debt on XX/XX/2020. As of today, I have not received a response from them. Yet the debt remains erroneously reported on my XXXX  Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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 brought this loan current in XXXX of 2023. At the time the balance was {$860.00} and I paid off over half the balance. In XXXX of 2023 I paid off the remaining {$400.00} or so dollars. This account has been paid off since XXXX and current since XXXX. However, it is now going into XXXX and they are still showing that I am {$860.00} past due!

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 2020-02-26
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 tried to refinance my car today XX/XX/2020and when they ran my credit, they told me that I did not qualify because of my poor credit. My loan officer went over the accounts that were reporting negatively on my credit and none of those accounts belong to me ; I did not open any of those accounts nor did I allow anyone to open these accounts on my behalf. I still don't know who opened these accounts but I already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts nor did I make any purchases. I do not have any relationships or contracts with any of those companies.

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 2023-08-04
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it 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 explanation
Consumer complaint received 2022-11-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc

Complaint:
There was {$2000.00} worth of unauthorized charges on my account and i called chime to file a dispute. They denied the dispute and closed my account the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc.

Complaint:
Hi, Today I received a debit card through the mail from Square. The debit card was in my name and registered to a business XXXX. I called Square and they have cancelled the card and suggested I alert law enforcement. I was given an email of XXXX for any necessary support in the investigation. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.

Complaint:
National Credit Systems was contracted by XXXX XXXX XXXX to collect a debts which is based on a civil judgement meted out XXXX XXXX  Municipal Court in XXXX, Pennsylvania. I was ordered by Judge XXXX to pay a specific amount to XXXX XXXX XXXX, an amount which I have since paid to XXXX XXXX. National Credit Systems has insisted that I pay an amount to XXXX XXXX which is more than the court order administered by judge XXXX. I have sent documentation in addition to the copy of the court order to both National Credit Systems and XXXX. Both respective companies have chose to ignore the court document which is proof positive of the correct amount that is owed to XXXX XXXX. XXXX XXXX has purposely decided to report an incorrect that is owed to circumvent the civil judgment administered by Judge XXXX as a method to navigate around the law which disallows civil judgments from being reported to the major credit bureaus in the absence of particular vital information on the civil judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
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: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint:
XXXX   XXXX  I was th e victim of identity theft / credit card fraud. I pay for the identity theft and monitoring service through USAA as well and followed all directions provided as well as all requested from USAA ban k. Provisional credits were issued on both my affected credit cards and checking account.     However, on  XXXX  card the charges were charged back to me, only to be credited back yet again. At which time  USAA  sent documentation that all credits were permanent. However, a year later in  XXXX   XXXX  without notice, explanation, or even contacting me to t ell me USAA  decided to charge back only  XXXX  of my affected credit card accounts for the finalized fraud/billing dispute a year prior. This is in violation  of Paragraph 13 ( c ) ( 2 ) of Subpart B 1026.13 ( c ) ( 1 ) Effective D ate :  XXXX / XXXX / XXXX  of Regulation Z.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint:
There's an address that's on my credit report I never resided at nor received any mail. The address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I'm requesting to have this address removed being that I've never been associated with. The information is inaccurate and need to be removed from my files 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 explanation