hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-02-28
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$14000.00} XX/XX/XXXX XXXX XXXX XXXX- XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1700.00} XX/XX/XXXXXXXX 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 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.

Complaint:
Today, XX/XX/2019, I tried to lock/freeze my credit report with Equifax and I'm unable to do it online or by phone. Equifax provides by phone ( Equifax : XXXX ) two sites that don't work : XXXX & XXXX. After filling out all the information required including my social security number, address etc., at the end I'm required to call a provided phone number that is answered by a robot and that doesn't address locking/freezing of the account. 
I had absolutely no problems locking/freezing my credit reports with XXXX  and XXXX, but Equifax has been a nightmare consuming lots of time for NO RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
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:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 This Complaint will serve as a follow-up to my previous complaint

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 2019-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC.

Complaint:
I have already submitted a 2 complaints and you closed one and said the other was a duplicate. Now 3 I have submitted for XXXX XXXX Suntrust account XXXX opened on XX/XX/XXXX and closed on XX/XX/XXXX regarding my {$10000.00} that they have continued to keep. See my attachments. First they were sending it in 15 days and then the second letter after you contacted them said they would be issuing the check on the XXXX of XXXX. Well, I just called them and they said they were going to continue to hold it. Now, I have tried with you and them. I have now hired a team of attorneys to get my XXXX plus all the damages we have accrued since the account was closed. And, boy are there some damages. Finally, I will get my money through the courts. I tried to tell you people that they sent my money to a money market account ... .and they did! I tried to warn you about the 3000 complaints against this bank. I just want my money and I want them to pay for all my damages that we have accrued because of them and pain and suffering we have been through ... you can't imagine, but you will see soon I ' very certain. You should have got my money back, but you canceled my claim and the 2nd one. 

We will see what a judge says ... because I will not stop until I feel better about being victimized by Suntrust bank and those whom could of stopped this massive misuse of my funds! It's criminal!!! 

We were smart enough to have witnesses on today 's conversation with Suntrust ... can't wait to get our money back we have had to eat beans for a month and my wife could not go to the doctor and see is very sick. You people should be ashamed!!! 

XXXX XXXX Good Luck!

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 2023-02-21
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
A card was applied for on XX/XX/XXXX of XXXX, using a mix of my stolen information by an unauthorized individual. I have been trying to dispute this since it was brought to my knowledge in XXXX when I was trying to get pre approval for a mortgage loan. I was surprised when my lender asked me about delinquent account. I have been trying to dispute this account from capital one ending in XXXX attached to an address that I have never lived at nor received mail at. It has only been reporting to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nelson Cruz & Associates LLC

Complaint:
I financed some jewelry using a company called XXXX. I called one day to ask when my early buy out was and how much I owed. The lady said I owed {$91.00} left on an early payment and I had XXXX weeks to pay it. When I called back 2 weeks later to pay it another person said that the early buyout ended 3 weeks ago and I had to pay to a whole other balance. I asked to speak to a manager and they seen proof I called on my file and the dates didnt match, however he would not grant me the early buyout so I stopped the payments because what I borrowed was paid plus several XXXX more. They sold the debt to another company which sold the debt to another company and now this company is calling me back to back after I said they are harassing me. They even said they contacted me on back and have surveillance of me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WLCC

Complaint:
I was receiving calls a few years ago regarding this debt. I sent in a do not contact me letter. The calls stopped, but the emails began. Every time I unsubscribe from the emails. They would stop for awhile and then start up again. A year ago I thought was going to have enough coming in to pay off these predators so I called to make payment arrangements. After that the calls began again. I told them that I did not say it was okay to call me. I keep getting emails, I unsubscribe and then they continue to send me emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Re : Violation of the Fair Credit Reporting Act ( XXXX ) Your company denied my claims of fraud for a negative account and verified the account is reporting accurately. My claims were not reported in error, and you are violating my rights has a federally protected consumer. 

It is against the law to report any information that is not PROVEN as accurate. You are required to provide evidence of your allegations to deny my request associated with the account below : PLEASE REMOVE THE FOLLOWING ACCOUNTS REPORTING THAT SHOULD BE EXCLUDED THATCONTAINS TRANSACTIONS EXPERIENCES PER VIOLATION 15 U.S.C. 1681 ( a ) ( 2 ) Account Name Account # XXXX XXXX XXXX My personal financial information was obtained without my permission which qualifies as identity theft. Thus, a violation pursuant to 15 USC 1681c-2. Block of information resulting from identity theft. 

Enclosed : XXXX. FTC Report XXXX. Copy of Driver License

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 2023-06-14
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: EQUIFAX, INC.

Complaint:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commercial Acceptance Company

Complaint:
The Commercial Acceptance Company contacted me on XX/XX/20 at XXXX from ( XXXX ) XXXX regarding a debt I owe to XXXX XXXX XXXX XXXX . They stated my amount of debt and that they would be able to stretch payments 12 months and that they payment each month would be XXXX dollars and some odd cents. I can not afford this amount and so I told the woman on the phone that i had been paying a debt collection agency {$20.00} a month but in around XXXX those payments stopped coming out of my account. She then asked how close i could get to paying the XXXX dollars a month and i said the {$20.00} was working for me and the best i could do. She then asked if i could do {$50.00} and i said no. She then stated she has to report me as a refusal to pay. I said okay and i hung up the phone, but i cant understand how i can be reported as a refusal to pay when i wasnt refusing to pay. I can't afford paying almost {$400.00} a month in health insurance and another {$150.00} a month on top of that to a debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.

Complaint:
I removed my work phone number from the Navient website about one month ago. Someone at Navient placed my work phone number back on the website and they called me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.

Complaint:
No written notification and no proof Im the right person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
Portfolio Recovery is falsely reporting two collection items on my XXXX and XXXX credit reports that I do not owe. I disputed with XXXX who advised the accounts were deleted. However, Portfolio Recovery continues to update my XXXX and XXXX reports falsely claiming I owe debts to XXXX  XXXX and XXXX bank. I do not owe debts to either creditor. 

1. Account Number XXXX XXXX XXXX {$1700.00} 2. Account Number XXXX XXXX Bank {$690.00} Both erroneous collections need to be removed from my XXXX and XXXX reports as Portfolio recovery has never contacted me and has not sent me anything substantiating these alleged collections. They are not mine, and they are hurting my credit. I am an auditor and this irresponsible and false reporting can adversely affect my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES

Complaint:
My complaint is more with the school XXXX XXXX at the university of XXXX XXXX. After graduating with an XXXX at a XXXX college we ( XXXX students ) are offered a 4year XXXX only degree at XXXX with courses costing at graduate cost but despite having all As if a portfolio isnt good enough, they make you take repeated courses at graduate cost. And if they still find you portfolio not good enough, despite having all good grades in courses they can kick you out pf the program and are forced to graduate with a XXXX in a field you never intended in the first place ( XXXX in XXXX XXXX ). We were sold on the dream of one day becoming XXXX and payed a higher price to go to school. I was very close to completing all my credit hours required for the program and despite completing my clases with good grades, I wasted my time and money. I borrowed so much money because fafsa wouldnt cover my tuition because we were forced to pay as graduates but forced to graduate with a XXXX  in XXXX XXXX instead of a XXXX in XXXX. I seeked attorney advice but say its hard to sue public university.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL

Complaint:
Amazon and XXXX XXXX are reporting the same debt as a collection on my credit. I contacted both companies with an ID Theft Report proving to them that I was the victim of Identity. I have not received any financial gain from the account listed. 
The entities named above validated the debt as mine, yet they did not provide any documentation legally linking me ( XXXX XXXX XXXX ) to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that he has never resided at. 
2. according to the FCRA the number one way companies validate an account is through a signature neither of the entities above have done so.

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 2021-02-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis

Complaint:
I believe this was apartment rental agreeement i was unable to comply with due to corona 19, i informed the landlord of my position, and informed them of the delay in payment, they refused to give me time, evicted me, and i was not aware of any other payments requested, i have asked for more information about this account, but i just get harrasing phone calls, but no information has been sent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.

Complaint:
As of today, I have received 4 strikes against my credit by TekCollect Inc, and yet have never received a notice that I owed anything to them. I have never received an email, letter, or to my knowledge a phone call ( unless they are number spoofing ) about any debt owed to them or any debt owed to other that they have acquired and are attempting to collect. 

I attempted to call them, and their number answering service for people trying to reach them about debt collection automatically indicates that the caller can not contact that number and then disconnects the call. I have no way to leave a message or to reach an agent to resolve the situation. 

I also believe that the use of aggressive and abusive credit strikes rather than contacting the person they are trying to collect against is a violation of consumer protections. I have received a strike on XX/XX/XXXX, XXXX, and XXXX of XXXX, again with no prior contact and no way to contact them to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft 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 non-monetary relief
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. 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