hpe-ai/customer-complaints-train.csv huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XXXX-2023, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$530.00} XXXXXXXX XXXX XXXX  XXXX Balance Owed XXXX {$940.00} XXXX XXXX XXXX  XXXX Balance Owed : {$5400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
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:
PLEASE BE ADVISED THIS IS MY FIRST WRITTEN REQUEST, The unverified items listed below remain on my credit report in violation? 
of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that the information is mine and is correct. In the Results of the first investigation,, you stated in writing that you " verified '' that these items are being reported " correctly '' Who verified these accounts? You have not sent me a copy of ANY original documentation required under Section 609 ( A ) ( 1 ) ( a ) and Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it .and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified ACCOUNTS : XXXX ( {$550.00} ) # XXXX, XXXX XXXX ( {$460.00} ) # XXXX, XXXX XXXX ( {$460.00} ) # XXXX, XXXX XXXX XXXX ( {$850.00} ) # XXXX INQUIRIES : XXXX  XXXX XXXX  XX/XX/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 explanation
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
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:
transunion are reporting false information. The accounts that are open by FRAUD a XXXX  XXXX XXXX XXXX account number XXXX with a balance of XXXX XXXX XXXX account number XXXX that is showing closed XXXX  XXXX  XXXX OPENED XXXX BALANCE XXXX XXXX/ XXXX XXXX XXXX opened XXXX balance of XXXX account number XXXX duplicated accounts are also showing on XXXX  XXXX IT IS MY ACCOUNT BUT SHOWING TWICE PLEASE REMOVE ONE XXXX XXXX XXXX with a XXXX balance.

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 2021-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX IN PARTNERSHIP WITH XXXX HAS VIOLATED MY RIGHTS WITH NO VALIDATING THIS ACCOUNT ON MY CREDIT REPORT. I HAVE ASKED THIS TO BE DISPUTED AND INVESTIGATED. I ONLY GOT A LETTER FROM THE COMPANY THAT THIS ACCOUNT WAS NO LONGER WITH XXXX XXXX  AND FURNISHED WITH ANOTHER COMPANY. THIS SHOULD BE REMOVED IMMEDIATELY. IT HAS CAUSED DAMAGE TO MY CREDIT REPORT AND IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
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 — Investigation took more than 30 days
Company: CORELOGIC INC

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2022-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.

Complaint:
my initial credit limit was {$500.00}. I've never paid late or had any missed payments or went over my credit limit. The company DECREASED my credit limit down to {$100.00} on XX/XX/22. this affected my credit score because my balance was around {$80.00} at the time which made it look like i was close to maxing out my credit limit. it significantly dropped my credit score and usage amount due to the decreased credit limit. I submitted a verbal request for an increase and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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 Account # 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

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 2019-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY

Complaint:
My bank account has been feed when my bank account is in the positive. Say I have XXXX and something comes in for XXXX and clears then the next day something will come in for XXXX they will charge me a fee for both, even though one debt from My account had the funds available. They hold all my deposits and excessive length of time. Somethings 14 days - totally ignoring Reg CC. This is not just on one account. I currently have had a hold on another account for 10 days and the check was cleared and paid to the 8 days ago. I am sick of the power abuse they use over my accounts when there is clearly money there and they have made it at time so my family has had to go with out food and gas to go to work due to their actions. I have started to move money to another bank but I still have some items that need to be paid from this account. I would like someone to audit my account XXXX and reimburse some of my fees that were taken from my account that should not have been. In addition. Who ever is the employee doing this needs to be fired. You cant just steal peoples money. The last 6 months I have had someone use all my debt cards from this bank- I have gotten to the point I understand that the fraud has to be internal within Wells Fargo XXXX I am just tired of. I can get a card and with a week there will be fraud.

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 2020-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.

Complaint:
I was contacted by XXXX XXXX XXXX XX/XX/XXXX and again on XX/XX/XXXX about a {$1200.00} debt from XXXX. Someone fraudulently opened an account with XXXX with my name and address in XX/XX/XXXX and signed up for paperless billing so I never received a bill or any other communications directly from XXXX. XXXX placed a collections notice on my credit report and I contacted them told them the debt was fraudulent as was told to supply a police report about the incident and to send in a form. I submitted the police report and form and shortly there after the collections notice was removed from my credit report. 

On XX/XX/XXXX I was contacted by AFNI Collections about the same {$1200.00} fraudulent XXXX account. It appears the XXXX resold my debt after they received proof that it was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
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: Experian Information Solutions Inc.

Complaint:
The credit bureaus stated my account was properly investigation but how is that possible if there are several inaccuracies including last active dates, last reported dates, high balances and payment histories. This is grounds for removal. They also violated my rights under these laws : 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 an account without my written instructions. 

Attached below is a copy of my drivers license and social security card as well as a copy of my XXXX credit report identifying incorrect discrepancies via highlighted sections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.

Complaint:
I do not currently have the ability to repay my loans. I have asked to have my payments lowered to a range that i can afford. I have had my loans in and out of forbearance since 2015. I can't repay the amount they want and Navient refuses to help me. Hoping i can get some help through here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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:
There are several derogatory accounts reporting on all three of the credit reports ( XXXX, equifax, XXXX ). The derogatory accounts are all past the Maryland XXXX XXXX XXXX. 

The bureaus have been notified yet refuse to remove the accounts. The account are reporting at XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), XXXX XXXX, and XXXX XXXX XXXX 

thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY

Complaint:
I deposited a check on the XX/XX/2020 in the amount of {$9200.00}. I was told that checks generally take 2-3 business days to clear. I was expecting that funds would be available in my checking account on XX/XX/2020. I called the bank to ask why there was a delay. They told me on the phone that there was a fraud alert and my check would take additional days to clear. The agent told me that the check would clear on the XX/XX/2020. 

I don't have any history with this bank and the check was a local check from a well know firm in XXXX which they could have verified on the same day. When I told the bank that I needed funds to make a payment they now said that I needed to come to the branch again to get the check verified. 

I don't want to believe that I was profiled by this bank but i have had experiences in the past where I have been profiled due to my name, race and/or ethnicity. 

The people I spoke to from the branch were very rude and unprofessional. I am requesting that any overdraft fees be waived as the bank made a purposeful decision to not clear my funds even after I made a request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.

Complaint:
This debt is over seven years old. I have talked to them and asked them to remove it. They informed me that while they could not sue me after two years for the debt, they could report it for as long as they wanted. I went on line and verified that this was untrue. I then pointed this out to them, and they told me that it had been sold to them and that the debt date had started over. Many years ago when I bought this TV from Cons, I bought a warranty that covered physical as well as technical damage. When the TV sustained physical damage, they would not honor the warranty yet wanted me to still pay for the TV. The tricked me many times into making a payment, promising me to have the TV repaired. After I would make the payment I would not hear from them until it was time to make another payment. This went on for sometime, until I got tired of going around in circles. I also found out that I was not the only one dealing with this sort of thing from Cons. There is a blog on line in-regards to customers going through the same thing. If you ask them to let you listen to past conversation, which they claim to have recorded, yet can never remember the promises they made to me, it will backup my complaint. Thank you for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX. XXXX XXXX # XXXX BAL : {$680.00} XXXX. XXXX ACCNT # XXXX BAL. $ {$0.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
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:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: In progress
Consumer complaint received 2022-09-02
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-01-11
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:
Please see attached Credit report. 
I noticed some inaccuracies and would like them investigated Fair Credit Reporting Act gives me the right to have accurate reporting on all bureaus reporting. The attached will show Huge inaccuracies across the board. Rendering it almost impossible to find a place to live or a better job. 

Also if the XXXX XXXX XXXX  is discharged .Please remove it from the remarks and my report entirely

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nations Recovery Center

Complaint:
XXXX I filed a XXXX complaint against Nations Recovery ( now twice ). First time they kept taking unauthorized payments out ( triple charging my account ) and kept getting notices that I did n't pay them. It was finally resolved that they would {$0.00} my debt due to the inconvenience they were causing. I get a collections notice in XXXX from a different agency saying I owe {$140.00} on one of the accounts I should n't have to owe and the original creditor ( in XXXX ) was demanding {$390.00} for the other account I did n't have to owe on. After the resolution on the XXXX complaint I NEVER heard back from this agency. I filed another complaint in XXXX and the XXXX agent I was working with never heard from them and were not responding to communication. Today I get a voicemail from one of their agents saying he needed my address to send a refund check. I call him and he 's going around in circles, not listening to me, unwilling to understand what I was telling him. Playing recordings that I could n't even understand because they were so garbled over the phone. He used a tactic that 's appalling to just harass me. At this point Nations Recovery has caused so many problems with my XXXX and have wasted my time over and over again. They have shown their lack of professionalism and their willingness to use deceitful tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief