hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-10-25
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:
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 more then 48 times nonstop this is exhausting 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 and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. 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 negative account 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

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 2019-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.

Complaint:
On XX/XX/XXXX I logged into my XXXX XXXX XXXX, entered my new bank account information, and made my monthly payment that was due on the XXXX. When I received my monthly statement on the XXXX I noticed that no payment was processed. I called XXXX and was told they had no record of the transaction. I questioned how the the new banking info needed to make the payment could have changed if the payment wasn't requested, they couldn't answer the question. When i got off the phone i made a replacement payment but have yet to resolve the issue. In addition to reporting me late to the credit agencies, XXXX has also supplied account information to the credit bureau 's that doesn't match-up with the account information showing online. I'm not sure if this was just a glitch or if my acct information might be combined with another persons, regardless this is effecting my ability to obtain credit and I'm asking for the CFPB 's help in correcting this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
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:
I've been disputing fraud accounts on my credit report since XX/XX/ 2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

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 2022-07-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.

Complaint:
After further investigation this debt does not belong to me, also the company attempting to collect the debt is not bonded to do so in the state of Florida and not legally able to collect the debt on my credit report

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC

Complaint:
The call my phone 100 times a day. My boyfriend and I went through a financial hardship at the beginning of the year and we are trying to take the proper steps to resolve this debt. They continuously call and say we need a payment today card or routing number. I tell everyone that we 'll pay on line there is no need to call. They talk over me and continue to ask for payment. I tell them when we have the money it will be paid. The say they 're sending it to collections I tell them okay send it. I rather talk to them not you guys.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.

Complaint:
There is a Bankruptcy on my credit report dated XX/XX/XXXX. Doing a proper search of the official publicly available court documents shows This Bankruptcy does n't meet the National Consumer Action Plan data Guidelines of XXXX that went into effect XX/XX/XXXX stating in short that the 4 identifiers earmarking the record are clear and present indicating the validity of the record. Additionally a recent online search as of XX/XX/XXXX shows that there is no current data on the XXXX website ( see attachment ) showing NO DATA as regards any federal court ruling against XXXX XXXX in the state of California from XX/XX/XXXX to XX/XX/XXXX, further corroborating that fact that any such records have been removed, vacated and or found to be null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.

Complaint:
Within the past few days, my sister in law has been contacted repeatedly by Commenity Bank trying to get in touch with me. I do not want them calling anyone about my personal matters besides me. 

The dates she was called are as follows : XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE

Complaint:
Fraudulent charges were made on my XXXX  Barclays Mastercard to the amount of {$9300.00}. I promptly reported the charges, and the card company told me that the investigation would take 30 days before it would be removed from my credit report in a letter dated XX/XX/XXXX. This was mid XXXX. I made a police report XX/XX/XXXX with the XXXX, Maryland Police Department, because that was the town I last used the card. I reported the fraud to one of the credit  bureaus. They have only refunded {$700.00} of the over {$9000.00} of charges. They have not removed the charges from the card or marks from my credit report and have not contacted me or provided me with any supplemental information despite me contacting them.

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 monetary relief
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.

Complaint:
I have always been able to get my free annual credit report from Equifax on-line XXXX XXXX XXXX  This year, after trying multiple time on multiple days, I would only get a message that said I had to call in to the Customer Care Team. Upon doing so, the prompts are very time-consuming, confusing, and difficult to get through. Some of the prompts directed you to sign up for an Equifax account, which I do not wish to do. Two weeks ago, when I first navigated the prompts to what I thought was the correct location, I ended up at an automated system where I entered information to receive the credit report by mail. What showed up in the mail was not a credit report, but instead a Research Request Form. Today, I called again, and this time was actually able to eventually speak to a person. Supposedly, I am now to receive the credit report by mail. I will wait to see if this mailing is indeed the credit report. 
My complaint : Obtaining the Equifax annual credit report is a very difficult and confusing process. It apparently is not possible on-line anymore. I would ask that Equifax make it a straight-forward and transparent process to obtain one 's annual credit report on-line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX is still reporting to Transunion and XXXX ( only these two ) an erroneous and inaccurate collections on my credit reports for a collection of {$310.00}. This debt is inaccurate and doesnt belong to me. XXXX agreed on the matter and verbally promised to remove the inaccurate collection from all three credit bureaus on XXXXXXXX XXXX via phone call from my XXXX XXXX XXXX phone number XXXX. Its still showing up on Transunion and XXXX Credit Reports. Please help me remove this from these two credit bureaus as this is impacting my ability to pursue job applications and further credit endeavors. XXXX adjustment, Transunion, and XXXX are not treating me fairly in my ability to pursue consumer credit. See below law. 

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2020-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC

Complaint:
NATIONAL CREDIT ADJUSTMENT KEEPS TRYING TO COLLECT ON DEBT THAT IS PAST MY STATES STATUE OF LIMITATIONS ALSO THE WAY THEY REPORT MY FILE IS INACCURATE THEY SHOW MY BALANCE ON THIS ACCOUNT IS {$820.00} THEN SHOW I AM PAST DUE {$820.00} THAT MAKES MY CREDIT TO DEBT RATION REPORT INACCURATE AND ALSO ON XXXX  THE ACCOUNTS DATE OF LAST ACTIVITY SAYS XX/XX/2015 HOW CAN THAT BE IF THEY PURCHASED THIS ACCOUNT IN XX/XX/2015 HOW CAN THEY REPORT A DATE OF LAST ACTIVITY THAT EXIST BEFORE THEY PURCAHSE THE ACCOUNT? / PLEASE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
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 my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GAXXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-04-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY

Complaint:
XXXX XXXX XXXX XXXX Acct ending in XXXX I opened a business account on XX/XX/2019 in the XXXX XXXX XXXX branch and i was supposed to receive a bonus of {$500.00} upon fulfilling the requirements for 3 months which i did. However i never received the bonus. Also i called in to customer service during the 3rd month and they confirmed i was compliant to the requirements to receive the bonus and i would receive in XXXX. When i didnt i called again and at first the rep claimed no such promo existed. I then told her i had a screen shot of the promo i used with my unique identifier on it. After a few transfers i was notified i did not meet the requirements and would need to go in to a branch. Due to coronavirus it is unacceptable to send a customer to a branch to receive a bonus they 100 % qualify for. 

I will now list all requirements along with my actions taken and upload all supporting documents. 

1. Visit branch ( went to XXXX XXXX XXXX ) 2. Deposit atleast {$25.00} ( I deposited {$23000.00} ) 3. Have {$15000.00} on day 30 and day 90 and have 5 or more transactions post in 90 days ( I had {$15000.00} average all throughout and posted well beyond 5 transactions in 90 days )

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 monetary relief
Consumer complaint received 2021-07-04
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: Southwest Collection Services, LLC

Complaint:
To whom it may concern, Pursuant to 15 U.S. Code 1681a- Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( 3 ) Restrictions on sharing of Medical Information.

Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by coperate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the Consumer for medical products or services ; or ( C ) an aggregate list of identified Consumers based on payment transactions for medical products or services.

Pursuant to 15 U.S. Code 1681b- Permissible purposes of Consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

As a Federal protected Consumer, I never gave XXXX  any written consent to report anything on my consumer report, No consent is Identity Theft. Proof of the law Persuant to 15 U.S. Code 1681b is attend with this complaint. 

Concerning the accounts listed below as a Consumer Im demanding a deletion of these accounts : Southwest Collection Services- ACCOUNT NUMBER XXXX Southwest Collection Services- ACCOUNT NUMBER XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
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:
Looking at my credit report are we going by the FCRA laws or not? Under XXXX USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have suffered actual damages where I cant get approved for business funding, a mortgage, to name a few because of your companys failure to provide accuracy and fairness credit reporting. THERE ARE SO MANY INACCURACIES ON MY CREDIT REPORT, IT IS DISTURBING. What's even more disturbing is these inaccuracies are constantly reappearing causing more damage than anything. I am trying to make an honest living out here but how? So many people are going homeless because of things like this. Not to mention the defamation of character because you reported wrong information about me which assassinated my character to other corporations. 

XXXX XXXXXXXX XXXX - account number XXXX inaccuracies are showing the monthly payment, date opened, balance, high credit limit, credit limit, past due, payment status and date of last payment are INACCURATE on Equifax, XXXX, and XXXX SET Financial - account number XXXX inaccuracies are showing the date opened, balance, number of months and last payment INACCURATE on Equifax, XXXX, and XXXX XXXX Avant - account number XXXX inaccuracies are showing date opened, high credit limit, payment status, and last payment status are INACCURATE on Equifax, XXXX, and XXXX XXXX XXXX XXXX - account number XXXX inaccuracies are showing date opened, high credit limit, and date of last payment are INCORRECT on Equifax, XXXX, and XXXX XXXX XXXX - account number XXXX inaccuracies showing monthly payment, date opened, balance, high credit limit, past due, pay status, credit limit, and date of last payment are INACCURATE on Equifax, XXXX, and XXXX XXXX XXXX - account number XXXX inaccuracies showing date opened, balance, high credit limit, past due, payment status and date of last payment are INACCURATE on Equifax, XXXX, and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-09
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc

Complaint:
I am behind on my motorcycle payment, and understand that money is owed. I have spoken to them informing them to my situation and they continue to make 5-7 calls per day often one after another. I have no problem with daily calls as they are attempting to collect money that I owe them, however the volume of calls is straight on harassment. While I do admit that I owe them money they are violating FDCPA guidelines and it needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
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:
XXXX XXXX REPORTING 30 DAY LATE ON ACCOUNT THAT ONLY CHANGED STATUS, FROM DEFERMENT TO FOREBEARANCE, INACCURATE ACCOUNT STATUS. LOAN WAS NOT 30DAYS LATE. ACCOUNT STATUS CHANGED. I FILLED OUT MULTIPLE FORMS, MADE SEVERAL PHONE CALLS, INFORMATION IS STILL REPORTING INCORRECTLY.

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