hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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 XXXX data breach and may have got into the hands of the wrong person.

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 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint:
My account has been frozen for 2+ months now with upwards of XXXX dollars, that I can not access since XX/XX/22. I deposited a cashiers check into my branch in person, which was an inheritance from my grandmother ; it was assumed by the bank teller that it was fraudulent ( which it in fact is not, and has been verified and confirmed since this assumption ). 

Because of this, the bank [ Citibank ] restricted my account completely, and told me, in writing, that I would receive the totality of my funds and regain access to my account in 5 business days. However, the day I left the bank I had no access to any of my funds, not even what I originally had before the check was deposited. 

So the bank closed my account in suspicion that my check was fraudulent, and by the time it was confirmed to be legitimate, the bank teller had already assumed it wouldnt be ( I dont know if its because of the fact that Im XXXX XXXX ), and closed the account without confirming the validity of my check. And now the check has been confirmed to be deposited, and is just sitting in the account I cant access. 

Since my bank has been closed, I have missed : - My life insurance premium payments that I can not miss, something Ive paid on time every month for the last year that affects my future funding & credit history - my medical expenses, & have had to postpone numerous doctors appointments since I have no access to my funds, furthering XXXX XXXX Ive already had for months that Im forced to wait for now since I cant access my account- I can not pay off the remainder of my debt from my other bank, negatively affecting my credit score while Im looking to rent an apartment in the coming months - Im self employed, & my entire business can not be sustained as I can not pay for my access fees, nor can I show any of my customers what they have access to, in turn causing customers to leave my business, as well as me not having access to multiply my money, which was/is my only income source. 

- I can not purchase a car, which I need for my job Im planning on getting, as well as emergency transportation for my family.

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 2023-08-15
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:
am writing to bring to your attention a provision of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a 2Ai, which pertains to the duties of furnishers of information to consumer reporting agencies. As a consumer, I believe it is important to ensure that this provision is properly adhered to in order to maintain accurate and fair reporting of credit-related information. 
According to 15 USC 1681a 2Ai, furnishers of information are required to : Provide Accurate Information : It is essential that information reported to consumer reporting agencies are accurate and complete. Furnishers are obligated to have reasonable procedures in place to ensure the accuracy of the information they provide. 
I kindly request that you ensure compliance with the aforementioned provisions of the FCRA in your reporting processes. Accurate credit reporting is crucial for maintaining a fair and transparent credit ecosystem, and I trust that your agency is dedicated to upholding these consumer protection standards. 
In accordance with the FCRA, I request that you provide me with a copy of the investigation results related to any disputed information in my credit report. Please inform me of any actions taken to correct or update my credit information as a result of your investigation. 
PLEASE STOP REPORTING MY UTILIZATION FROM THE ACCOUNTS IN THE ATTACHMENTS. I HAVE ALSO ATTACHED ALL IDENTIFICATIONS

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 2019-11-12
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: Experian Information Solutions Inc.

Complaint:
There are 4 accounts that are fraudulent on my report. They told me to get the police report and then send that in with proof of my identity. I have sent numerous times this stuff in and now their new excuse is there were payments made and they dont have to block them from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I last spoke with XXXX, in XXXX XXXX XXXX. She refused to follow the FCRA and block these accounts

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 2022-12-20
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: EQUIFAX, INC.

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency XXXX including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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 checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
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:
Equifax obviously lost my data and in the process gave a misleading website designed to get people to forfeit their ability to complain about this terrible breach, under the guise of checking your " status ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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: Resurgent Capital Services L.P.

Complaint:
{$960.00} Ive tried to dispute it off my credit report. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
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:
XXXX closed the account around XX/XX/XXXX and charged me several ETF fees for lines that I never signed a contract for. I've contacted XXXX, they say contact the collection agency. I am not interested in dealing with a belligerent collection agency. 

I've disputed the results with all 3 agencies. Experian is just closing the dispute with no additional information. They are now refusing to open a dispute despite never providing me any information on this account. I'm waiting on responses from XXXX and XXXX. 

Experian dispute report # XXXX. 

Here is what is wrong : The amount is incorrect by a significant amount, at least {$1000.00}. 
The account reports opened in XXXX. I have not had an account with XXXX since XXXX of XXXX. 
It somehow reports that payments were due and have been missed. Again, I have not had any account since XXXX. 
I don't even know if this is related to my actual XXXX account or if it is somehow someone else 's account. Nobody will tell me anything.

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: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
My card was stolen. I reported this to capital one. They opened an investigation and refunded my account. Charges were still being made fraudulently throughout the investigation. So my bank flagged capital one. This led to All payments made to my account being returned NON SUFFICIENT. Due to this capital one closed my account. Even though they say we are not held liable for fraud. This has caused me XXXX points in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Oliver Adjustment Co.

Complaint:
I am getting repetitive debt that I have to dispute monthly, I would like to not have to do this as this account is fraudulent and I have already had it removed, It continues to report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX XXXX {$280.00} and XXXX XXXX XXXX {$420.00} I challenge the accuracy, compliance and reportability of these listings. 
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2019-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.

Complaint:
Hi there, I hope you are having a wonderful XXXX XXXX! 

Having an issue with 1 Collection appearing on my credit reports. This was a report ran by XXXX, where it shows back in XXXX of 2017 an attempt to collect a debt was sent by XXXX over to a debt collection agency called Diversified Consultant. I have gotten to the bottom of this and have since settled the debt in full. The two companies said they can not take it off my credit report, so a friend of mine recommended I reach out to CFPB for help. I believe this old collection is hurting my credit score, and was hoping for some help getting this taken off so that my scores can increase. This debt happened in a time when I did not have a job, but that is no longer the case, I now have a stable job and a stable income. Would it be possible to help get this taken away? 

Collection Details : Account Name : Diversified Consultants Original Creditor : XXXX Open Date : XX/XX/2017 Further Details : I settled this debt in 2017, by making one payment in XX/XX/2017 of {$360.00}, and made the second and final payment in XX/XX/2017, of {$360.00}. After I made the final payment Diversified Consultants said they reported to the credit bureaus as payment settled in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint:
XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  v. XXXX  XXXX XXXX-XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX  DEAR Creditors : Recently, I received a correspondence from XXXX  Credit Reporting Agency and/or it's attorney ( s ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services.

In the year of XX/XX/XXXX and prior : ( These credit cards had large credit limits with the greatest of the limits being {$10000.00} and below. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Credit Limit between {$7500.00} and {$10000.00} XXXX ( XXXX ) c/o XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Credit Limit between $ 7,500.00+/- and $ 10,000.00/- XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX, DE XXXX Credit Limit below $ 7,500.00+/- XXXX XXXX XXXX XXXX XXXX XXXX. Ohio XXXX ( Closed prior to XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( Closed prior to XX/XX/XXXX ) In the year of XX/XX/XXXX and thereafter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Date ( s ) of final payments : XX/XX/XXXX-XX/XX/XXXX Amount paid {$1700.00} Balance due : {$0.00} ( reestablished credit card account ) HSBC XXXX XXXX XXXX XXXX XXXX, IL XXXX Date ( s ) of final payments : XX/XX/XXXX Amount paid {$680.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX  ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} Respectfully Submitted, XXXX XXXX XXXX  cc : XXXX  Settlement Class Counsel XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ARS National Services, Inc.

Complaint:
I settled an account I had with XXXX that had gone to collections. The collection agency promised to close the account and show a XXXX  balance on my credit report once I settled the outstanding balance. After settling the account the collections agency ended up reporting the account with a charged-off balance and shows as still active. I disputed the information with XXXX to no avail, despite submitting documentation from the collection agency stating the terms of the settlement having been met. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
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:
My Chapter XXXX Bankruptcy was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with all three Credit  Reporting Agencies and I am not disputing. It will be 10 year showing on my credit report in XX/XX/XXXX. I am currently in process of trying to refinance my house. I am just humbly request that this information be considered for early exclusion.

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