hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-05-20
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:
In XX/XX/2022, several letters were mailed to XXXX regarding alleged accounts with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and two unknown and unverifiable collection accounts. Accompanied with those letters were the complaints filed with the CFPB. XXXX responded to me and to the CFPB that the accounts were verified as accurate and reporting to the regulations of the FCRA. In XX/XX/2022, I spoke with XXXX and Transunion about fraudulent information being reported with accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. After verifying and DELETING the accounts, to be in compliance with the FCRA section 623 ( b ) ( 1 ) ( D ) Transunion and XXXX were both supposed to report their findings to XXXX. To ensure that all companies are reporting accurately, I fulfilled my due diligence by reaching out to XXXX myself to report the updated information. After speaking with multiple representatives, they informed me that the information regarding the mentioned accounts were reporting accurately and that they verified the information. I asked each representative who verified this fraudulent information and how they were able to verify something that two other companies verified as fraudulent and erroneous? I explained to XXXX that I am the original creditor and consumer, and by holding both titles, I can not attest to ownership of this erroneous and fraudulent information being reported. As of XX/XX/2022, there is a pending dispute over the accounts. In the process of this dispute, XXXX still continues to knowingly and willingly report fraudulent information. This fraudulent information being reported adversely affects my credit worthiness, my credibility, and my character. 

To attest to my statement being true, I have attached the most recent copies of the reports from XXXX and Transunion.

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 2022-09-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY

Complaint:
My high yield savings account was closed by American Express and I have {$15000.00} in the said account before it was closed till date I have no access to my money or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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:
I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

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 2023-04-07
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:
My name is 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 15 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 2017-05-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Adjustment Corp. of S.W. FL., Inc.

Complaint:
I checked my online report recently and discovered that there is a  Professional Adjustmen  XXXX  collection that is incorrectly being reported to my credit. It seems they are asking for {$1300.00} and the account number is "  XXXX  ''. I did not receive any notice with a right to dispute before this was reported to my credit. This is concerning because I do not know who this company is or why they want me to pay them such a large sum of money. I 've done some research online and this company has been involved in several scam stories for many consumers. Considering their history, I am not about to reach out to this suspicious company when I do n't even know what this debt is for. They need to explain who they are and why they want me to pay them {$1300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
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:
You are in direct violation of the fair credit reporting act XXXX XXXX XXXXXXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
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:
XXXX And Equifax are reporting a fraudulent account on my credit report which makes my utilization very high. Below is the fraudulent account XXXX XXXX XXXX XXXX : {$50000.00} XXXX XXXX XXXX : {$50000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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:
I am a natural person and living human being. I am aware that I have consumer rights under 15 US CODE 1681 and 15 US CODE 6802. 

Transunion is governed by 15 USC 1681 and 15 USC 6802 and they have violated my rights numerous times. I demand all the accounts listed below be deleted from my consumer report because according to 15 USC 1681 and 15 USC 6802, I have the right to privacy and I did not provide Transunion written permission or instructions to furnish these accounts on my consumer report. This is not a request for verification or validation of debt. I want Transunion to do what is fair and equitable to me as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please see attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
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:
Since 2019 there has been an old email address added to my credit report. The old email address is being logged into by someone other than me. When doing so, they have used the information for stalking, abuse, and harassment. I have updated my email address to the current email several times, and sent by mail copies of my drivers license, with letters requesting that my current email be the only one added to the credit report. Regardless of how many times I have updated the email address they still change it back to the old one. The person using the old email has all of my personal information. They are also stopping me from housing, transportation, employment, and other medical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FAIR COLLECTIONS & OUTSOURCING, INC.

Complaint:
I had a collections added to my credit on XX/XX/XXXX by a company called Fair Collections and Out, address XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX. The amount owed was {$1100.00}. I settled the amount for less than owed in XX/XX/XXXX then filed for bankruptcy inXX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. After this, while checking the credit bureaus, I noticed that on my XXXX credit report this collection had not be removed from my credit report at the XXXX credit bureau but had been removed from both XXXX and XXXX. 
I disputed the collection through the XXXX website and got back a response from them saying that the collection was accurate and they did not remove it. I then contacted Fair Collections and Out and asked them to remove it and they refused. When I asked why I was told that they had no reason to remove it. I told them I have filed for Bankruptcy and that it had been discharged in XX/XX/XXXXXX/XX/XXXXbut they still claimed they had a right to report the collections on my credit reports. When I asked why, I was told that it was just the way it was done. 
I then contacted the law firm that I had used to help with my bankruptcy and they told me they were unable to help as they didn't deal with credit agencies. 
I am at a loss for what else I can do, this is negatively affecting my credit report still even though my bankruptcy was discharged.

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 2017-07-18
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: EQUIFAX, INC.

Complaint:
I have disputed several hard inquiries on my Equifax credit report. Equifax keeps stating that inquiries are a factual record. My argument is that the inquiries were not authorized by me and are fraudulent. i sent the request to have them disputed and removed along with my official police report. if an inquiry was not authorized by me than how can it be a factual record on my report under my identity. Equifax is causing me damages by continuing to report those inquiries which has caused my credit score to drop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC

Complaint:
Attempted to open an account with XXXX, and learned that I was unable to open per Early Warning, Contacted Early Warning, and they have been unable to provided as to why I am not able to open an account. According to the customer service person states the information that was reported was not clear but they are not reporting accurate information, but yet stopping me from opening any type of account by reporting false and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

2. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

3. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

4. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

5. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate AccounXXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

10. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

11. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

12. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

13. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05
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: Experian Information Solutions Inc.

Complaint:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine.

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 2021-06-30
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:
FRAUDULENT COLLECTION ACCOUNT ON MY CREDIT REPORT I HAVE CONTACTED TRANSUNION AND XXXX  AND XXXX  XXXX XXXX XXXX  Balance updated XX/XX/2021 Account number XXXX I DO NOT OWE ANY MONEY TO XXXX XXXX  OR TO 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 2021-09-28
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: EQUIFAX, INC.

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I HAVE ASK THE CREDIT COMPANYS TO REMOVE THESE ACCOUNTS THEY HAVE YET TO DO SO.

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 2022-12-29
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:
I'm submitting disputes about unauthorized accounts and fraudulent activity opened on my credit report without my knowledge. The information was compromised. My information has been being handled improperly. The inquiries and collections below need remove. In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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  Requested On XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY

Complaint:
On or around XX/XX/2019 I was approached at the XXXX XXXX by a XXXX/American Express representative who was offering a promotion for increased miles. I told the agent that I already had a XXXX XXXX card and was not interested in getting a new card. They advised that was not a problem. They took my card information and had me sign a document and then said that I was eligible for a promotion through the XXXX/American Express Platinum Card. When I reiterated that I did not want to upgrade my card they informed me that it was just checking to see if I would be eligible for the offer and that I could choose to sign up or not for the Platinum card once I received information in the mail. Instead, I received a new Platinum Card in the mail. I contacted American Express on XX/XX/2019 and spoke to multiple agents, supervisors, and individuals in the customer retention department. Despite my conversations and even requests to speak with someone in the fraud department ( as I felt I had been defrauded ). I was told I had two options. I could keep the platinum card ( which has an annual fee that is {$100.00} more than the one I currently have ) or I could downgrade to the card I initially had ; however, doing so could put me at risk of being ineligible for future upgrade promotions. The could not just make me whole again and remove future ineligibilities. They claimed that nothing could be done, despite me being signed up against my will or knowledge. 

I would like to be in the position where I determine if and when I sign up to upgrade or change my credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.

Complaint:
My equifax credit score shows XXXX, none of my accounts are reporting because they have the wrong date of birth

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA

Complaint:
I purchased a XXXX XXXX  and paid for the part up front and put the rest on the balance on a new Apple GS Bank  credit card. Unfortunately, I had to return the XXXX XXXX  about a month later. I had paid XXXX monthly payment on my apple card but after I returned the item I was told the card would be refunded the full balance and I would get a check back for my XXXX month payment which was considered an over payment. It took Apple 2 months to credit my GS credit card account and I never got my refund check for the over payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affiliate Asset Solutions, LLC

Complaint:
This collection agency has tried to collect a debt from me in unfair ways, which I've complained about previously. This medical debt was a result of a mistake by the provider and has been written-off by the provider. The provider as well as this collection agency have notified me in writing that my account is closed and I do not owe them any debt. 
I have just received a new email from this collection agency asking me for the full amount, again! This is a never ending nightmare. This is absolute harassment. Once again, the FDCPA states that debt collectors can't use false, deceptive, or misleading practices. This includes misrepresentations about the debt, including the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.

Complaint:
I try to obtain my credit score they won't let me go to sleep but they say it but it says I still can't get it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
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. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation