hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
**second submission be because first one isn't showing Complaint Number XXXX I just received an alert that XXXX XXXX XXXX XXXX has been added to my consumer reports. This is defaming my character, as well as causing emotional and physical stress, anxiety and restlessness, therefore causing me to have XXXX XXXX XXXX among other health issues, and causing harm to my credit worthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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 contacted all the major credit reporting companies about the accounts listed below that is fraudulent accounts. I already sent them my police report and they still have refused to remove the accounts from my credit report. 




XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Secured loan Secured loan - Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$15.00} {$15.00} {$15.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$930.00} {$930.00} {$890.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1000.00} {$1000.00} {$1000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$30.00} {$30.00} {$0.00} Payment Status : Late XXXX Days Late XXXX Days Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Collection Collection Collection Account Type - Detail : Collection Collection Collection XXXX Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1300.00} {$1300.00} {$1300.00} No. of Months ( terms ) : - - - High Credit : {$1300.00} {$1300.00} {$1300.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - -

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
This is my follow-up complaint to tell you to remove or block these erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9800.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$44000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$670.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$19000.00} ; SXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; 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 

The listed items are erroneously placed in my file and I believe they are sorely mistaken

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Account charged off. {$2800.00} written off. {$2300.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2023-03-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.

Complaint:
XXXX XXXX XXXX XXXX myprepaidcenter.com states that once activated " it can be used EVERYWHERE VISA is accepted. '' Come to find out this is not true. The statement made on their website is false! 

I tried to use it to pay for my hotel room they would not accept it even though they accept Visa in the same thing with our breakfast. 

I would simply ask that this agency require this site to change their literature to accepted " MOST '' places visas accepted. 

Or for XXXX to reimburse in cash or debit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
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:
I recently pulled my credit report and to my amazement saw that XXXX XXXX have decided to report me 30 days late and past due on this account in XX/XX/XXXX and XX/XX/XXXX. I have previous credit reports from both agencies pulled in XXXX of XXXX, and neither one of these reports show me late or past due in XX/XX/XXXX and XX/XX/XXXX. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my dispute and my have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.

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 2018-07-23
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 HAVE CREDIT INQUIRES LISTED ON MY CREDIT REPORT THAT ARE NOT MINE, I HAVE SENT A REQUEST TO TRANSUNION TO HAVE THEM DISPUTED, THEY FAIL TO DISPUTE THEM AND SEND A CANNED MESSAGE SAYING THAT I HAVE TO CONTACT THE COMPANY THAT PLACED THE INQUIRY. THIS IS A FCRA DISPUTE, FCRA STATED THAT THE CRA MUST INVESTIGATE ANY INACCURATE INFORMATION ON MY REPORT, TRANS- UNION HAS FAILED TO DO THIS. 

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 2023-06-04
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account information : # XXXX, US DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : ( XXXX ) XXXX : Account information : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX Phone : ( XXXX ) XXXX : Account information : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : ( XXXX ) XXXX Account information : # XXXX, XXXX XXXX XXXX XXXX TXXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX : ( XXXX ) XXXX Account information : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : ( XXXX ) 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
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:
See Attached : XXXX Submitted Identity theft Packet, with Request for info to be blocked with the mandatory 4-Day period. Adding the Identity identification attached as well with specific details listed accordingly. Each Company declined my request to delete and or block, update and or correct the information accordingly. Denied Ball all 3 agencies for Insufficient Identity information, unable to identify my account, unable to locate my account with information on notice, invalid identity theft report, asked for copies of my social security card etc. All though request was infact denied by all 3, All three have managed to locate my account/report and make small changes which were requested on my notice initially, just not the blocking of invalid accounts information I requested. I Authenticated enough to change my address, phone number, email, place fraus identity theft alert on my report info but not to complete the information requested to be blocked. I sent enough information to verify who I am and stating the information should be corrected accordingly. Has the information they allow to remain seen & costing me the ability to gain credit I may need or job etc. That's incorrect on my field posted without even being whole and fully identified to have been actually my true information at all. How is this right or fair? Who's information are sharing. If you're publishing lies and false information because you fail to verify authentic proof of information submitted and shared by each agency is neglectful and abusive.

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 2019-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.

Complaint:
This complaint is about Chase Bank.

Chase has drawn my funds on altered checks. And Chase has never notified me about the fraud, even after a third party bank had detected the fraud. Chase is denying my claim due to time frame. If Chase had notified me, I should have been able to file claim a lot earlier.

1. On or about XX/XX/2019, I dropped two mails in post office drop box, one mail with a check # XXXX of {$17000.00}, payable to Internal Revenue Service ; the other mail with a check # XXXX of {$5900.00} payable to XXXX XXXX XXXX. My checking account is with Chase Bank. Later I noticed the funds were drawn from my account. 

2. On XX/XX/2019, a third party bank XXXX XXXX  called me, told me that there was fraud involved with these two checks.

3. I checked with Chase, the " Pay to the order of '' part had been altered for both checks. And the checks were cashed at XXXX XXXX. 

4. On XX/XX/2019, I immediately filed claim with Chase Bank. I was told by a Chase banker that my funds would be returned to my account within about 11 days.

5. But on XX/XX/2019, XXXX notified me that they were denying my claim because my claim was not filed within time frame.

6. On XX/XX/XXXX, I reported the fraud to police department.

7. On XX/XX/XXXX, I escalated my claim to Chase Executive office.

Chase has drawn my funds on altered checks. And Chase has never notified me about the fraud. I learned it only from a third party bank, which is XXXX XXXX. 

So far, Chase still refused to approve my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
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 first 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 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 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 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 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 non-monetary relief
Consumer complaint received 2020-12-07
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 Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO HARRIS BANK NATIONAL ASSOCIATION

Complaint:
Received a notice dated XXXX XX/XX/XXXX saying the they were going to close my account. I called the number listed on XXXX XXXX and left a voicemail to an account that said I'd receive a call back by the end of the next business day. Received a call on XXXX XXXX from XXXX saying they had questions about transactions and referenced telling me something from XXXX of XXXX. I don't know what they were referencing and wanted to know what they had questions about. Was accused of being combative for asking and would like the conversation reviewed by you. They also requested Bank of the West to close the account I have with them - with no reason.

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 2018-09-03
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:
On my Equinfax credit report I have Bankruptcy Chapter XXXX listed. Then the Credit card companies are also still listed as Derogatory/Delinquent information on my Credit Report individually. Can these please be removed. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
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:
Back in XX/XX/XXXX i join XXXX and i was with them foe two years when my contract was up I never renew the services my service was cancel the power box in the house was no longer hook up to they services.in XX/XX/XXXX I  received a collection notice for XXXX XXXX for a bill of XXXX for XXXX. I contact XXXX and they told me I cancel my contract wrong I had to full out o form on they website to cancel but I send you a letter and call the company and no one every told me about the cancellation policy on they website. this is how they get people so they run up a bill for services I never receive a bill for and now they want to collect on it.this is illegal and they no this their no contract renewal.

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 2016-02-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.

Complaint:
In XXXX 2015, I logged into Navient to find that my monthly payment ( or " amount due '' ) had tripled in size from XXXX. I contacted Navient to discuss my options, and they explained my only option was to apply for an extended repayment plan. To do so, I had to submit some paperwork and pay a {$150.00} forbearance fee, which would nullify my amount due for XXXX and give them time to review my account. I called them back a few days later and found out that my extended repayment plan was approved. When I logged into the account, however, I was still seeing the extremely high amount due that caused me to call Navient in the first place. After several phone calls, it was finally explained to me that due to a billing error, the wrong amount was showing in their system, but they assured me I had been approved for the plan. I monitored the amount due in the days up until my XXXX payment was due, but it never changed. As I 've had several problems with their billing before, I wanted to be proactive and call to make sure my payments were received and in the correct amount. Multiple members of their customer service team, including managers and directors, assured me that I should pay the amount due from the new extended payment plan, and not the incorrect total that was displaying on their website. They made countless promises that the issue would be resolved and there was no chance I would see a " past due '' amount and certainly would not be charged late fees. Two months later, I am being harassed on a daily basis by debt collectors and on top of that, they had the nerve to charge me a late fee. That 's not only something they promised me would n't happen, but the error is theirs to begin with. I 've made more than XXXX calls in the past month to correct the issue, and every conversation ends with a promise from a Navient employee that the issue will be corrected. It still has n't been. It 's amazing that they have the time to call me and email me - from blocked phone numbers and third party email addresses, no less - on a daily basis, but no time to correct their own issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX sent XX/XX/XXXX & XX/XX/XXXX Section 609 of the Fair Credit Reporting Act Letter sent XX/XX/XXXX & XX/XX/XXXX Accounts, Late Payment Letters Sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Accounts : Department Of Education/XXXX ( Late Payments, XXXX, XXXX Only Shows On Transunion Report XXXX Inaccuracy ) XXXX XXXX XXXX - {$1000.00} XXXX XXXX - {$820.00} XXXX - {$2100.00} XXXX XXXX  XXXX {$3500.00} XXXX XXXX - {$460.00} 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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