hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I sent a letter asking XXXX to remove the incorrect names and addresses from my report. I also requested that several of the inquiries, Collections listed were not mine and/or not authorized. The information is still listed on my report and I never received a response from 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 {$0.00} XXXX XXXX XXXX XXXX {$59.00} XX/XX/XXXX XXXXXXXX {$280.00} 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 2022-09-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK

Complaint:
I have been experiencing suspicious activity from my XXXX bank. Ive made complaints and the organization was not taking my concerns seriously. I ordered cards and changed my security and suspicious activity continued. I did not feel like my funds were safe and decided to create a new checking account. 
On XX/XX/22 I chose to discover bank as I liked the perks and what they had to offer. I was disappointed at the time ; they were not offering a checking account due to some company update. I told myself, Ill wait and make savings account to secure my funds. I make a {$500.00} transfer from XXXX to Discover bank. I realized I transferred everything leaving me with {$0.00} to cover for daily expenses like gas. I transfer {$60.00} back from discover to XXXX but my card was locked and became suspended. Ive even paid 1 or 2 bills using my discover ACCT # and R # discover since I couldnt use the XXXX card. Yesterday XX/XX/22, I moved {$250.00} from XXXX to discover, and then discover sends an email that my account is suspended for suspicious activity and provided me with no explanation. I called them and I was informed that the bank made a decision to close the account. They did not provide an explanation. I filed a complaint with them. I do not understand whats suspicious about me slowly transferring all my funds to Discover. The worst part of it all is that they are withholding my {$500.00} for 60 days and I have a major concern with that. That does not sound legal to me, I need someone to help me resolve this or to at least reconsider opening or sending {$500.00} as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA

Complaint:
On XX/XX/2022, AES/XXXX  ( XXXX AES '' ) reported to consumer credit agencies that the subject student loan account was " Closed '' and that it was " flagged ... as not paying off [ the ] balance and [ I ] can not be located. '' This resulted in a XXXX point credit score reduction. Upon further review of the credit report, AES reports that the account is greater than 30 days delinquent in that no payments were received in XXXX or XX/XX/2022. XXXX XXXX documents that AES did, in fact, collect automatic payments for XXXX and XX/XX/2022. Today via telephone AES confirmed that ( i ) the contact information associated with the account is in fact correct, ( ii ) that the account is open and not closed, and, ( iii ) that the account is current and paid as agreed. AES will not, however, correct the erroneous reporting without a formal consumer dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
On XXXX a person claiming to be a Bank of Americal ( BOA ) employee called me from a number that appeared as coming from BOA on my phone. This person had all of my checking account information, including my account number, ATM number, expiration date and secret access number. He informed me that my account had been hacked, and if I could enter a XXXX transfer to BOA, he could fix. The person gave me a BOA address to send the XXXX to. This person had all my BOA information and never asked me for account numbers. In fact, kept repeating that BOA would never ask for account numbers over the phone. 

He knew the e-mail address associated to my account and all my personal info. 

I did enter the transfer, but never waived my right to have protection ( stated in my BOA Checking Account Agreement ) from fraud. The person who called, supposedly from BOA, initiated the action and I received absolutely no benefit from the transaction. 

I contacted BOA immediately after the fraudulent call, but they were unable to reverse the transfer. 

I did dispute the fraudulent XXXX transaction, for {$1500.00}, with BOA. Claim # XXXX was processed, at BOA, and I was recently denied refund.

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 2022-08-17
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 several 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. 
XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
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:
When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX : {$34000.00}.

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 2019-05-03
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: CURO Intermediate Holdings

Complaint:
This was open without my knowledge, I have been trying to get this remove from my credit it was not mine, it was open in XX/XX/2015, I have disputed it and no one will help me, I never received the money, and this is hurting my ability to by a home. our anything else

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I applied to rent an apartment and this required myself, my husband and my daughter to complete Trans Unions Rent Spree product. When I completed the information for the report our agent, XXXX XXXX, called very upset why we did not disclose that we had an eviction on our record. I too was surprised and upset. I explained it must have just been a mistake by the Credit Reporting Company, Trans Union. In XXXX we contracted with a builder/landlord to buildout a building to be used as a XXXX XXXX XXXX Boarding and Grooming facility. When the lease was presented to us on XX/XX/XXXX, the landlord added a paragraph 26. We all agreed and signed the lease that paragraph 26 holding myself and my husband XXXX responsible personally for the lease did not apply and was clearly not included in the agreement. Our business was a success for almost 15 years until Covid-19 hit and our revenue fell by over 90 % in just a few days. Although we did receive a XXXX which was paid to all our employees the landlord would not lower the rent. We at the same time retained a lawyer, XXXX XXXX who was paid to handle any problems with us selling or exiting the business. The landlord decided to file an eviction notice in XXXX of XXXX of which I sent a copy to XXXX XXXX and his staff informed me not to worry they would handle it. Unfortunately, not only did XXXX XXXX not handle anything he was a no-show at the hearing and consequently the landlord received a default judgment. Because our attorney did not show up the court was never given a copy of the signed lease. The landlord actually stated there was no lease! Any individual who has ever taken a basic business law class can tell you a XXXX XXXX contract must be in writing and at no time were we ever asked to pay any amount to the landlord for an eviction! We now can not rent a decent property for myself, my husband, my handicapped daughter and our two dogs. If Trans Union had just taken a moment to review all the facts we presented it would have been clear. They did not even take one day to respond and gave not weight to the letter provided by our current attorney, XXXX XXXX, XXXX and the copy of the lease which is black and white! Can you please help us to clear this very clearly incorrect information in the report so we can just find an apartment we can live in our retirement. Thank you very much for your help in this matter. 
Sincerely, 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 2020-06-16
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: EQUIFAX, INC.

Complaint:
XX/XX/XXXX I filed Chapter XXXX include which did NOT include the mortgage ; XX/XX/XXXX it was successfully completed & discharged.  XX/XX/XXXX was contacted by XXXX the mortgage servicing company that the XX/XX/XXXX payment was missed & after providing proof of payment notified that the XX/XX/XXXX payment was missed & again provided proof of payment ; shortly was again notified that the XX/XX/XXXX payment was missed. While I haven't been able to find proof of that payment I'm sure that it was made. So all payments both before & after XX/XX/XXXX are documented as paid on time. Once the Ch XXXX was over XXXX proceeded to report my timely payments as 30 days late mostly on an every other month basis. Late fees were never accessed. Apparently XXXX applied payments against arrears which caused the late payments. On advise of my attorney I made an extra payment so it would not affect the the mortgage I am now trying to get approved. Fast forward to XX/XX/XXXX XXXX assume this debt & stated payments made to XXXX & then sent on would not be reported as late yet they did & now I have a 60 day late. 
ATTACHED ; XXXX XX/XX/XXXX MORTGAGE PAYMENT HISTORY, XX/XX/XXXX STATEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: State Collection Service, Inc.

Complaint:
For the period from XXXX XXXX, 2015 thru XXXX XXXX, 2015, my medical insurer was XXXX. During the same period, XXXX XXXX was my medical device provider. XXXX has repeatedly attempted to collect for rental for a XXXX for the treatment of XXXX XXXX. According to XXXX, XXXX did not obtain pre-authorization to bill XXXX for the rental of the XXXX and denied charges for the certain months, but has paid their portion of the charges for other months. XXXX has advised me on multiple occasions that I am not responsible for payment under the terms of their agreement with XXXX and that I can not be billed for the contested charges. However, XXXX has repeatedly attempted to collect directly from me and on several occasions has placed the charges with a collection agency. ( I will note that my complaint is strictly against XXXX, not the collection agency ) Furthermore, I have documentation from both XXXX and XXXX that the CPAP rental for XXXX 2015 was paid, yet XXXX continues to claim I owe them {$300.00} for that period. 

Presently XXXX claims I owe them {$980.00} although this figure seems to fluctuate from month to month with little explanation as to why. As recently as XXXX 2015 XXXX claimed the amount due was {$1900.00} Finally, I made a payment of {$490.00} in XXXX 2015 for for the XXXX, 2015 machine rental, under duress, in order to prevent the charge being sent to collections. I am contesting that charge as well and want the money refunded. 

I have referred this issue to the Washington State Attorney General 's Consumer Protection Division but their role in this matter appears to be limited to mediation with no apparent enforcement authority. To date neither XXXX nor XXXX have responded to the WaAG-CPD inquiry. I was advised by the AG 's CPD office that private legal action may be my only option, but did suggest that a complaint with CFPB may also be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00}

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 2022-07-03
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 Crdit Reporting act XXXX Account # 1234, 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. 

XXXX XXXX - XXXX XXXX XXXX XXXX OF 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 2023-08-24
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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 XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
In accordance with the fair Credit Reporting Act. 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account : XXXX  Account : XXXX Account : XXXXXXXX XXXXl Account : XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have 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 1681c. ( a ) ( 5 ) Section States : no Consumer Reporting Agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more then seven years.

25 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to Consumer Reporting Agency if person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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: EQUIFAX, INC.

Complaint:
On XX/XX/XXXX I sent a request for debt validation to the debt collector ( XXXX XXXX XXXX ). On XX/XX/XXXX they have not sent me a debt validation. They have missed the XXXX validation deadline and as such, I need the credit Bureau to remove the collection from my credit report. As is my right under the Fair Debt Collections Practices Act. ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
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: EQUIFAX, INC.

Complaint:
Being a victim of Fraud and Identity theft. I recently pulled my credit report and the accounts being reported are inaccurate and I havent had these accounts. Public Records Bankruptcy. XXXX XXXX. 

HARD INQUIRY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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 that my account was properly investigated but how is that possible if many things are inaccurate on the accounts such as the date last verified inaccurate, date of last activity inaccurate, date last reported inaccurate, date opened inaccurate, closed date inaccurate, last payment inaccurate, term length inaccurate, payment history inaccurate for accounts XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX. This ground for removal. They also violated my rights under 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 Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # 's 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 explanation