hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have submitted many disputes against the three major credit bureaus. Some case numbers are XXXX, XXXX, and XXXX. I haven't received any communication from either bureau. They are violating my rights, and most notably 15 U.S.C. 1692g.

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 2016-06-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.

Complaint:
I am being doubly charged for tuition. This was paid by my Student Loans. I attended XXXX University and took out XXXX XXXX loans to pay for the costs of tuition. I only attended the school for 3 months but am being charged XXXX from the school as well as XXXX for repayment on the loans. My student loans were applied to all tuition charges. I am paying off the student loans ( now Navient ) and am current on my payments. I disputed this debt several times including through the original creditor and have gotten no responses, additionally collection attempts on this erroneous debt were continued to be made after dispute and even during a deferment with XXXX XXXX while I was attending a different school. I do not and never did owe this debt as my student loans were applied to all of my tuition costs and I am paying those timely. This needs to come off of my credit report immediately as I never owed this bill. This is plain and simple an accounting error from XXXX. Therefore XXXX sold incorrect information to Caine & Weiner. I have attached proof of the loans that were applied to the tuition.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Firstsource Business Process Services, LLC

Complaint:
The original debt was {$140.00} which was recently satisfied. Now I have Firstsource Advantage , LLC at XXXX XXXX XXXX XXXX, XXXX, NY contacting me regarding the same debt being {$320.00} and additionally sending my personal and private financial information to the attention of someone who was not associated with the account at all. The account was opened under my business name with one owner, myself. I find this to be a violation of my private information regardless of who it is.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
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: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXXk XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX, Account XXXX XXXX, Account # XXXXXXXX XXXX  XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX, Account # 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.

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 2021-08-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
This is a reply for this complaint # COMPLAINT ID XXXX SUBMITTED ON XXXXHello, I received your reply back from Equifax and am appalled that this even passed your system as a 'response '. If they don't have a file for me, I wouldn't have a credit report with them This is my name : XXXX XXXX This is the last 4 digits of my SSN : XXXX This is my DOB : XX/XX/XXXX This is my mailing address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MS XXXX I specifically wrote this complaint against them because they keep IGNORING my credit disputes! Now they are saying that I'm NOT me and I'm not requesting this as ME ; what kind of foolishness is this???!!! 

This is becoming frustrating and I'm coming to YOU, the federal government for help! Here is a repeat of my 1st complaint, I'd like for it to be actually investigated this time versus Equifax sending me a bogus response to buy more time. If this keeps happening, I'll have no choice but to speak with an attorney ; a consumer should NOT have to go through this during these times!!!! We are dealing with enough as it is! 

Original Complaint : I have been disputing this account since XX/XX/XXXX and each time this credit bureau has said this account is 'verified '. I then disputed directly with the company and they were not able to provide me with any documentation for the account listed on my credit reports. If they can not verify this account with me, there is no way they could have verified this with the credit bureau. I'm convinced no true investigation occurred and demand a deletion ASAP. Please DO NOT mark this complaint as a dispute. IT'S NOT. It is a complaint with a demand for deletion based on an account not being able to be verified as 100 % accurate, complete, and timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Product: Credit reporting 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
my accounts with capital one were on auto pay in XX/XX/XXXX XXXX XXXX and XXXX of XXXX i have late payments on my report there was an issue with the payment processing and i reached out to the company to have the issue corrected these late payments are negatively impacting my ability to get a mortgage or an apartment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY

Complaint:
I received my statement from TD saying I owed them XXXX via email, I found it weird I owed them that much. Unfortunately, I was unable to see the entire statement. Me always trying to be a good person with my bills I paid the entire bill in fact I had overpaid in the amount of {$540.00}. When I received my statement in the mail, I realized that they had charged me for the transaction to XXXX that was originally declined and flagged as fraud, in which I had already called them and told them that I was trying to pay for tickets, and it was declined so I had to use my XXXX XXXX  credit card. The lady I spoke to told me not to worry since it was declined, I was not charged, in fact, that was not true I was charged, and I called back and on XX/XX/XXXX and started a dispute. Overall, these weeks, I have spoken with XXXX, XXXX, XXXX, XXXX twice, XXXX, XXXX, XXXX, and XXXX. They continue to say they have not received the documentation they need. Yet I have proof they were faxed twice and finally, I sent it to them with signature confirmation which an XXXX XXXX signed for it on XX/XX/XXXX. They continue to say it is not in their system. They have railroaded me for over 2 months now and they owe me {$500.00}. I had to go to my bank to fight them and even they are waiting for them to respond. There is never a supervisor available with them. At this point I want everyone to know about this. I am attaching a 30-page document showing proof of the overpayment the fact I used another card and proof they have received the documents they requested three times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-18
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:
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 3 Credit bureaus 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 3 credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX {$150000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX Date XXXX Balance Owed : {$1800.00}XXXX XXXX XXXXXXXX Date Reported : XX/XX/XXXX Balance Owed : {$18000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

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 2019-11-08
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:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.

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 2021-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
Dear Sir/Mam, I initially filed a complain regarding fraudulent charges on my closed credit card. My complaint reference # is : XXXX. The collection company responded, and it says the file is closed, i am just wondering what is the status of my complaint? is the dept removed from credit history because i do not owe this charge. 
The collection agency has provided w/ the credit card statement and it shows that the charge XXXX {$100.00} XXXX was placed on the account on XXXX XXXX, XXXX XXXX late charges accumulated over time up to {$220.00} at later dates ) and seems like an online transaction, but i am outside the United States since XXXX. 
Can you please help me and remove this charge from my credit history? 

{$220.00} is not a big amount i would have taken care of it if it was genuine charge and a purchase done by me, but this is fraud and i did not make an online purchase nor this is my charge. 

Kindly please help and guide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Comerica

Complaint:
I have been contacting Comerica Bank for the past 3-4 weeks attempting to close my bank account. Initially on XX/XX/2021 I called to close the account after having paid it to a XXXX balance. I was advised the account could not closed because that payment was still pending. I was advised once it cleared the account would be closed. I informed them Id like the account block from further charges because it had been compromised at which time they informed me they was not possible but they didnt see any upcoming/pending transactions. On XX/XX/2021 I logged back in to find the account still open and negative for approximately {$120.00}. I immediately called and was placed on hold while the previous call and account notes were reviewed. The representative returned and advised she was completing a form to have the account closed and that management had approved the reversal of the funds. She stayed the account would be closed in 24-48 hrs. It is now XX/XX/2021 and the account remains open and has now been assessed Extended Overdraft fees and has a negative balance of {$130.00}. They are now advising that the account cant be closed and Im responsible for the fees. Theyve also indicated they will research the matter more. Im fearful this issue is not going to be resolved, I will be held liable for the fees, and my credit will be impacted. Please assist!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
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/2021. And now we are in the month of XX/XX/2021 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 REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-05
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 am submitting this CFPB complaint to you today to follow up the previous CFPB complaint I submitted requesting that you remove the fraudulent accounts and information I found on my Credit File. I was a victim of Identity Theft anf the items I am disputing were the results of the crime. I did not authorized the disputed accounts neither did I allowed anyone to open such accounts on my behalf. Under the Fair Credit Reporting Act section 605b, I am requesting that you remove the following accounts and information off from my Credit File as soon as possible : 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 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. I have read enough to understand my consumer rights under the Federal Law, Fair Credit Reporting Act. By submitting this CFPB Complaint, I am hoping that you will comply with the law and completely delete the disputed accounts and information off from my Credit File as soon as possible.

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 2023-01-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Finance System of Richmond, Inc.

Complaint:
After checking my credit report I noticed an account reporting my medical information on XXXX, XXXX and XXXX with a opened date of XXXX XXXX in the amount of $ XXXX.I believe this company is violating my HIPPA rights because I did not sign a HIPPA release form or give them verbal consent to access my medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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:
I did not provide the credit reporting agencies with written permission to report any of these accounts listed and I am requesting the removal of these accounts from my credit reports. This is a violation of 15 U.S Code 1681b ( a ) ( 2 ). 

By definition a credit card is described in 15 U.S Code 1602 ( I ), my SSN, ID, Etc is a credit card by definition. I did not provide any of the listed companies with consent to share my credit card information ( ID, SSN, etc ) with another entity i.e the credit reporting agencies. This is a violation of 15 U.S code 1681s-2

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 2020-12-26
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$230.00}, {$6100.00}, {$7200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my 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