hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 explanation
Consumer complaint received 2019-10-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.

Complaint:
Im not sure of the dates its been awhile the first one is credit collection services. Ive filed two disputes on it. And both have been denied and ive been told its going to stay on your report. Its for progressive car insurance for XXXX. Now before i switched car insurances the balance was paid and cancelled and i was told you owe nothing. And few months later i get mail from XXXX   claming i owe XXXX. I told them no i dont owe and told them what happened and they said well sorry someone lied to you and clamied i never paid the bill. And its like im responsible for someone elses mistake i dont think so.. 
The next one is XXXX XXXX XXXX/ XXXX and this was 2 years ago. We moved and we cancelled service and moved to another address and my wife had cable put in her name. And months went by and i get a bill from XXXX saying i owe XXXX i call and they say yeah you never called and cancelled your service 's. I explained what went on and they said oh yeah we see that but you still owe money for a disconnect fee. So we went down to the office on XXXX XXXX spoke to the rep and they said it was ok sorry for the issues will take care of it. Guess what never did and ive disputed that as well and getting told nope its gon na stay. This isnt right im telling the credit agencies thats not how it went and its like oh well now i cant even get a home because of this. Its needs corrected and those to debts need cleared ive fought and argued as well with the collector telling them the same things ive typed here. And disputed with them as well and all i get told is you can dispute all you like its not gon na go away how fair is that to me? Please remove the two debts ive listed they are not vaild and untrue. And both of these are " NO CONTRACT. '' Heres a link as well to XXXXaXXXX XXXX XXXX  XXXX & XXXX That also states that others have disputed items and its been removed and im saying that i owed no balances period.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
After several attempts to communicate with Transunion via CFPB portal they have failed to provide me with any viable evidence bearing my signature showing the public records with my name and social on it.     Upon further investigation, I have retained new copies of my credit reports and noticed that you have overlapping dates along with the public record being removed from my file and then reinserted back. These errors have been reporting monthly resulting in credit denials due to the deformation to my file on behalf of Transunion. The said bankruptcy records are listed entirely inaccurate and represents a very serious error in your reporting.     I am maintaining careful records of this last communication with you before this matter is escalated to FTC and the Attorney General 's office that you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.     I further remind y  ou that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of Furnishers of information to consumer reporting agencies { 15 U.S.C. 1681s-2 } : ( 3 ) Duty to provide notice to dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
<P/>
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you much now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company.
<P/>  Please see the attachments from   XXXX   XXXX   with my request honored to block my file as  of   XXXX   XXXX  .  You will also find documents from  XXXX   XXXX  showing the public records were removed from my file and then reinserted back to my file. You will also find a letter from the United States Bankruptcy  Court   XXXX   XXXX   of Georgia stating they DO NOT REPORT TO any credit   agencies. You will also find my Transunion Credit report reflecting how Transunion is reporting errors on my file.  <P/> I spoke with several people at Transunion  XXXX  the Supervisor who has stated they do not have any supporting documents to maintain the public records but they are not going to remove this error. I have found that Transunion will continue to break the law and violate consumers so I am now filing this formal complaint in efforts to reinforce proper actions.

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 2021-08-24
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: EQUIFAX, INC.

Complaint:
I am a victim of identity theft. XXXX has fraudulent accounts on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXXXXXX. Please correct and update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Earnest Inc.

Complaint:
According to Earnest, " Earnest updates rates on the first of the month, according to the 1-month LIBOR figure published on the XXXX of the prior month in the XXXX XXXX XXXX. '' XXXX XXXX XXXX However, the interest rates I am being charged on my variable loan do not at all correspond to changes in LIBOR. 

Earnest has calculated my interest rates as follows : Start Date End Date Interest Rate XX/XX/XXXX XX/XX/XXXX 5.400 % XX/XX/XXXX XX/XX/XXXX 5.430 % XX/XX/XXXX XX/XX/XXXX 5.610 % XX/XX/XXXX XX/XX/XXXX 5.590 % XX/XX/XXXX XX/XX/XXXX 5.600 % XX/XX/XXXX XX/XX/XXXX 5.590 % XX/XX/XXXX XX/XX/XXXX 5.530 % XX/XX/XXXX XX/XX/XXXX 5.510 % XX/XX/XXXX XX/XX/XXXX 5.370 % XX/XX/XXXX XX/XX/XXXX 5.240 % However, the published rates for LIBOR on the XXXX of each month, or the next business day are as follows : XX/XX/XXXX - 2.52 XX/XX/XXXX - 2.5 ( -.02 ) XX/XX/XXXX - 2.48 ( -.02 ) XX/XX/XXXX - 2.49 ( .01 ) XX/XX/XXXX - 2.48 ( -.01 ) XX/XX/XXXX - 2.43 ( -.05 ) XX/XX/XXXX - 2.40 ( -.03 ) XX/XX/XXXX - 2.24 ( -.16 ) XX/XX/XXXX - 2.12 (  -.12 ) Based on the published LIBOR rates, my interest rates should have been : XX/XX/XXXX - 5.61 XX/XX/XXXX - 5.59 ( -.02 ) XX/XX/XXXX- 5.57 ( -.02 ) XX/XX/XXXX - 5.58 ( -.01 ) XX/XX/XXXX - 5.57 ( -.01 ) XX/XX/XXXX - 5.52 ( -.05 ) XX/XX/XXXX - 5.49 ( -.03 ) XX/XX/XXXX - 5.33 ( -.16 ) XX/XX/XXXX - 5.21 ( -.12 ) I have contacted Earnest numerous times asking for an explanation of the discrepancy and have yet to receive any meaningful response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
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: EQUIFAX, INC.

Complaint:
This is my fourth 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 Balance : - ; Bankruptcy XXXX  XXXX Reference # : XXXX ; Bankruptcy : XXXX XXXX Reference # : XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; EQUIFAX MORTGAGE SOLUT XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way you were able to verify this! I'm invoking my rights as a consumer under Federal Law and they are choosing to blatantly just ignore me. That's why I am filing this complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the XXXX credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 


XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint:
I signed up for a Citizens bank Platinum checking in the middle of XXXX after receiving a flyer in the mail advertising a {$400.00} bonus for opening said account and making a direct deposit within 60 days. 

I met ALL requirements, including going to the exact link provided on flyer, entering the code, and direct depositing well above the required amount within 60 days as stated. 

It said in the fine print that the {$400.00} bonus would be paid within 90 days after the direct deposit. The direct deposit posted on XXXX, and it has now been over 100 days and still no bonus paid. 

I called several times and keep getting the runaround. They keep saying over the phone that I met the requirements, but unsure why it hasn't been paid out. And that they'll investigate and call me back, but they don't. 

I have attached photos of both sides of the flyer I received down below. Any help you could provide would be greatly appreciated. 

Thanks so much, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-14
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:
In accordance with the fair Credit Reporting act. The of of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. Account number XXXX 15 U.S.C 1681 section 602 A states I have the rights 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 1681 c. ( a ) ( 5 ) section states : no consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the reports by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.

Complaint:
15 U.S. Code 1692b- Acquisition of location information, Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. This is a violation of the consumer laws and my rights as a consumer. This act was made by the following companies, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES

Complaint:
I was contacted by a company called Zwicker and Associates on behalf of XXXX XXXX. I tried contacting XXXX XXXX to explain that I have never had an account with them and that I have been a victim of identity theft and that I did not authorize these accounts. I gave them my information and they updated it within their systems, and then told me that my account was transferred to a debt collection agency. I contacted them and was told that these accounts were forwarded to a civil matter. I was not made aware nor was I served any papers for a civil matter. The information that they had within their system does not and did not match my address the only information that matched was my name and social. I tried explaining that I have been a victim of identity theft and they are telling me that I am responsible for these accounts. I did not authorize these accounts and they do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Central Inc (MS)

Complaint:
i check my credit report and notice a inaccurate item from credit bureau XXXX XXXX XXXX and sent them a dispute letter on XX/XX/2021 for the alleged debt of {$59.00} that i do not owe.as of XX/XX/2021 i haven't heard or gotten anything that i requested and i have attached a copy of the letter below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Balance : {$55.00} XXXX XXXX XXXX XXXX Balance : {$1400.00}

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 2022-07-20
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 checked my credit card that Ive had since I was XXXX and it gives me free credit updates. It shows there were XXXX credit checks that I did not authorize. 

XX/XX/XXXX from XXXX for XXXX XXXX XXXX  XX/XX/XXXX from Experian for The 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 2023-04-09
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: EQUIFAX, INC.

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation