hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am writing to submit a formal complaint regarding inaccurate information on my credit report as reported by TransUnion. On XX/XX/XXXX, I contacted TransUnion to dispute the following inaccuracies on my credit report. However, to this date, I have not received a response from them. I am providing the details of the incorrect information and the required corrections below : The following account is not mine : XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} ). Please remove it from my credit report. 


The account XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$250.00} ) has inaccurate evidence. The XXXX of {$250.00} reported by TransUnion does not correspond to the lower amount that I remember. The XXXX XXXX amount should not be provided for a closed account that was charged-off. As this misinformation has significantly affected my credit reputation, I plan to resolve this matter with my creditor. Until then, I request that TransUnion marks this account as disputed to prevent further damage to my credit score. 


The account XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$1500.00} ) is inaccurately reported. The XXXX amount of {$1500.00} is inflated and incorrect. I believe that the amount owed is lower than what is reported. Additionally, TransUnion 's inclusion of a Past Due amount for this closed and charged-off account is inaccurate. I intend to address this issue directly with the creditor to rectify the misrepresented information. Therefore, I request TransUnion to mark this account as disputed until a resolution is reached.

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 2023-02-12
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: EQUIFAX, INC.

Complaint:
XXXX XXXX IS CLAIMING THAT I HAD AN ACCOUNT WITH THEM AND REPORTING TO THE CREDIT BUREAUS THAT THE ACCOUNT IS A CHARGE OFF, BUT I NEVER OPENED AN ACCOUNT WITH XXXX XXXX. I HAVE BEEN WITH XXXX XXXX  FOR 10 YEARS. MY INFORMATION WAS INVOLVED IN A DATA BREACH YEARS AGO SO IT IS VERY POSSIBLE THAT THIS ACCOUNT WAS OPENED AS A RESULT OF THE BREACH. I ALSO SENT LETTERS MONTHS AGO, BUT THIS FELL ON DEAF EARS. I WILL ATTACH THE LETTER WHICH IS DATED AND TIME STAMPED TO THIS COMPLAINT. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
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 reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Brown Law, PLLC

Complaint:
I received at call on my cell phone from this company Brown Law and I asked them so send me a validation of debt for the account that they are trying to collect on. I received documentation but not enough to actually do any research to see who the creditor is and what the charges are. I also received a voice mail message on my cell phone which is a number that I have listed with the XXXX. When I asked who they were collecting for, the original company she said possibly XXXX XXXX? Are n't you supposed to know? I need more information in order to settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Cactus Jacks Auto Sales

Complaint:
I have had my vehicle with this company for about 2 years now and I pay my car note every single month it is automatically deducted from my checking account on a monthly basis, the XXXX of the month. I have never missed a payment to where my account has been over 30 days past due yet the company keeps reporting to the credit bureau that Im 30 days past due on my account. There is no way i could be if my account is paid the XXXX of every month. I had gotten a lawyer to help with the situation and my lawyer advised me to pay them {$410.00} every month on the XXXX instead of {$390.00} which is what i was initially paying. I started making the payments of {$410.00} on XX/XX/XXXX which covers me for the full month. I initially had a {$260.00} credit with the company because i had over paid them. This information was confirmed to me by their employee XXXX at XXXX on XX/XX/XXXX, my car note was not due till XX/XX/XXXX i was all paid up with a XXXX  balance due and a {$260.00} credit on my account. XXXX XX/XX/XXXX {$410.00} was withdrawn out of my bank account. Now all of a sudden the company is claiming that my payments are behind yet i had a credit and car note has been fully paid on the XXXX of every month since i had the car. The company can not explain to me what happen to the {$260.00} credit all they keep saying Im a week behind on my payments but no one knows how. They are calling my family members that i have listed as a reference and have been told multiple times to stop calling, sending text messages multiple times a day everyday to my cell phone without my permission, leaving voicemails on my phone stating this is an attempt to collect a debt and i need to contact them before the end of business day that day or my account will be transferred over for repossession yet again this is not even a 30 day time frame they claim account suppose to be late and my account os paid for the full month. They make false reports to all three credit bureaus and say Im 30 days behind which is effecting my credit and the account is not behind at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.

Complaint:
XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
I am working extremely hard to establish my financial security. Several individual account disputes for incorrect reporting has gone unattended or updated.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I see a few inquiries on my credit report that do not belong to me

Company response to consumer: In progress
Consumer complaint received 2019-04-08
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:
XXXX XXXX  is placing old dated information back on my credit report this account was already found and adjucated in Court back in 2015 in favor of my self showing this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2021-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.

Complaint:
Received debt collection letter from Southwest Credit. Letter claims the creditor, " XXXX '' is owed {$250.00}. I called XXXX regarding the account referenced in the letter. The account was activated in XXXX, and I live in XXXX. The account is not mine. XXXX has asked me to submit a fraudulent account form as well as contact the FTC and credit bureau 's . I am submitting the fraud investigation packet to XXXX as well as submitting this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.

Complaint:
The Equifax data breach was in XX/XX/2017 ; using their site, I found out that my identity information was one of the millions stolen. Equifax, through their site, has claimed that those people whose data has been stolen due to the Equifax breach can have a free credit monitoring/identity protection service. When I tried to sign up for the credit monitoring service, I get an error message -- again and again and again. I have called their customer service about 10 times in the last year trying to get them to sign me up for the credit monitoring/identity protection service service since my data had been breached from their data bases, however it's always the same story : I get a customer service rep on the phone who apologizes for the inconvenience and then tries to sign me up for herself but gets the same error message. I rarely get past that point. When I can get a manager on the phone -- which is almost never -- I am soothe-talked and told that someone will look into this and get back to me. When I ask for an email to that end, I get excuses, not an email. Once, in XX/XX/2017, I got a floor manager who sent me an email promising to follow-up in a few days, but never heard back and never was able to get him on the phone again. The email from him is copied-and-pasted below : " From : XXXX XXXX <XXXX> To : " XXXX '' <XXXX> Sent : Tuesday, XX/XX/2017 XXXX XXXX Subject : Service Request XX/XX/2017 Thank you so Much for allowing us to resolve your issue. 
Your service request has been submitted and you will receive a resolution to your issue of not being able to create an account with XXXX within 3-7 Business days. At which time you will receive another email with our resolution. 


Thank you for your Patience, XXXX XXXX Equifax, Floor Supervisor '' Now I have found out that Equifax stopped offering the free credit monitoring/identity protection service for those people had their data stolen from Equifax, but they should, at the very least, give me my year of credit monitoring/identity protection service -- heck they should give me two years after all the waiting on hold and not being able to speak with a manager not getting any emails or snail mails from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

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

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 2020-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.

Complaint:
On Thursday XX/XX/XXXX, I had contacted Macy 's credit card company to try and take care of a charged off account that I had with them. The rep stated that the account has past statutes of limitations, and that I could attempt to mail a payment in full ; however they couldn't confirm that it would do anything to the balance. I'd like to preface this complaint that I had no intentions of having this account ever go delinquent. We were faced with a really difficult family issue which consumed a good portion of our savings which was tragically followed by a loss of family income. We are trying everything we can to get back on our feet, and I was taken back that the rep had informed me that nothing can be done due to the account being past these statutes. I am concerned that I can not even try to work directly with Macy 's to satisfy the account.

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 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION

Complaint:
I deposited a check via mobile app on Sunday/ XX/XX/23 I received an alert that my funds were on hold. I was told it would not show up until XXXX Monday and the alert was automatic. So XXXX days down I finally go into the branch after talking to three representatives and two supervisor because its XXXX and my funds are still on hold .Truist says the hold will be there till XX/XX/23. I have never waited longer than 3 days. This is more than a week and I have the physical check present. Then I was told to return to the branch, get in touch with the issuer of the check ( XXXX XXXX ) to verify and they would release the hold. This was the end of the day now it is XX/XX/23 I went into a XXXX XXXX they had never heard of such policies, I also contacted the person who signed the check. I am currently on the phone with Truist and they have me on hold waiting to talk to administrator. But they made sure to take out fees from my monkey they have on hold and makings me do the leg work just to not need it and take off hold anyways. Very dissatisfying I feel as if I was profiled and treated as such. I just want access to my money when I need it. I will be closing this account and taking my sticks back I will not invest in a system that operates like this. Truist is not true to what they represent I have been with them since the merger I am done do not bank with Truist they do not support everyone. Now Im being told to have the issuing back scan a copy front and back to show that its cleared. I have literally never heard of this procedures. And the nerve of the local representatives to shift blame on the mobile hotline. When they all are under the Truist umbrella same training. Do not bank with Truist because disappointing is what you will receive.

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 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.

Complaint:
I have tried repeatedly although unsuccessful to remove multiple inquiries from my credit report with all 3 credit bureaus multiple inquiries in a certain timeframe should only count as 1 inquiry. Each bureau refuses to remove the inquiries from my report which is affecting my credit worthiness.

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 2022-10-11
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: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX XXXX *DEPT OF EDUCATION/XXXX XXXX *DEPT OF EDUCATION/XXXX XXXXXXXX *DEPT OF EDUCATIONXXXX XXXX *DEPT OF EDUCATIONXXXX XXXX *DEPT OF EDUCATIONXXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX 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 of 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 explanation
Consumer complaint received 2020-10-08
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:
THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT THEY DO NOT BELONG TO ME SOMEONE USED MY SOCIAL AND PHOTO ID TO OPEN THESE ACCOUNTS I DID NOT OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC

Complaint:
I am making a dispute agains t Pinnacle, LLC in a  response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practice s ACT, 15 USC 1692G SEC.809 ( 8 ), sta ting your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request  for VALIDATION m ade pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit repor ts (   XXXX ,  XXXX , and  XXXX   ). Th is action constitute fraud under bot h Federal and State Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Revenue Assurance Professionals LLC

Complaint:
My ex-wife took my daughter to the eye doctor.  The eye doctor charged an exorbitant amount for a check up.  I paid the collection agency a reasonable amount and per TN law they have been paid in full as they negotiated the check. They are in violation of the law by reporting bogus information to the credit bureau in an attempt to make me pay an amount I do not owe and never owed.  My ex-wife took my daughter to the eye doctor not me.  I never agreed to pay any amount prior to my check dated XX/XX/XXXX for a charge from XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
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: EQUIFAX, INC.

Complaint:
Dear complain department, I would like to complain because I have unknow accounts in my credit report. I do not know their origins and they are not mine. Please check the information about these accounts and apply the investigation on the case of identity theft. Because I assume that somebody just used my information to file these accounts. 

I am talking about these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation