hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-08-12
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:
MY NAME IS XXXX XXXX XXXX IT IS REPORTING AS XXXX XXXX ON TRANS UNION ONE OF MY PREVIOUS ADDRESS WAS XXXXXXXX XXXX   XXXXXXXX XXXX XXXX, NC XXXX IT IS REPORTING AS XXXXXXXX XXXX XXXX., XXXX XXXX, NC XXXX ON TRANS UNION MY CURRENT CELL PHONE NUMBER IS XXXX I DO NOT RECOGNIZE THESE TELEPHONE NUMBERS REPORTED BY TRANS UNION XXXX XXXX XXXX XXXX XXXX THE FOLLOWING PAST TELEPHONE NUMBERS ARE CORRECT AND THEY ARE AS FOLLOWS : XXXX - PREVIOUS HOUSE NUMBER XXXX - PREVIOUS CELL PHONE NUMBER XXXX - PREVIOUS CELL PHONE NUMBER XXXX - CURRENT EMPLOYER TELEPHONE NUMBER XXXX - PREVIOUS HOUSE NUMBER XXXX - PREVIOUS CELL PHONE NUMBER XXXX MY MOTHER 'S PHONE NUMBER REPORTED BY TRANS UNION THANK YOU

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 2019-09-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
My wife XXXX XXXX has a credit card with Bank of America. She disputed a charge. A generic letter was sent. While the merchant only stated via a phone callthat they did not receive the merchandise, Bank of America also asks for proof that the customer " followed the merchant 's return policy. '' They added requirements to discourage customers. 

They sent a letter dated XX/XX/XXXX from Florida. The postmark on the envelope was XX/XX/XXXX and arrived on XX/XX/XXXX. Bank of America states that the information either be fax or mailed by XX/XX/XXXX. The address is in XXXX XXXX TX and would take several days to receive ( I faxed the information on XX/XX/XXXX. ) The letter goes onto say that " If this information isn't received by XXXX XXXX, we'll close our investigation ... ..If this occurs, your account will be rebilled. '' I spoke to XXXX today ( XX/XX/19 ) and he stated that they did not receive my fax yet. 

This entire process by Bank of America is a fraud upon ALL policyholders because any written response would be outside of the due date. Please investigate.

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 2023-01-09
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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX  Account number : XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX  Account number:XXXXXXXX XXXX  Account number:XXXX XXXX XXXX Account numberXXXX, XXXXXXXX XXXX Account numberXXXXXXXX XXXX XXXX  Account number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
XXXX XXXX XXXX  has violated the FDCPA on many occasions according to 15 usc 1692 c ( c ) 1692 d ( 5 ), the lady XXXX keep calling me telling me I owe a debt and to give her my personal information. In the letter XXXX sent me it clearly states that it is not attempt to collect a debt so why am I being harassed, according to the law as a consumer I am entitled to privacy of my personal information and who I want it shared with. I have never given XXXX any written or verbal consent to report any of my personal information to any CRA nor did I ever sign a contract or taken out a loan with them. NO CONSENT IS IDENTITY THEFT, they have used my name and personal information and reported it the the credit bureaus without my consent. the law clearly sates that consent is needed to access, obtain or report information to my credit file. I feel threatened and I am afraid to answer my phone! I have attached proof of debt validation and request for cease communication, XXXX XXXX just don't respect the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
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: Experian Information Solutions Inc.

Complaint:
After reviewing my XXXX, Experian, XXXX credit profile I seen an inaccurate account reporting a late payment back in XX/XX/2019 for an XXXX account. I was never late on this 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
Consumer complaint received 2020-08-25
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:
Experian and XXXX  should not be reporting me as a authorized user on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.

Complaint:
I have written numerous letters to Experian on the following dates below requesting Experian to validate this information with the XXXX XXXX XXXX Federal Court and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. 

I am formally requesting that this information be immediately deleted from the credit file that Experian maintains under my Social Security number. 

Per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) and I am keeping careful record of your actions, including Experian Method of Verification. I do not consent to XXXX or any means of automated verification. 

I continuously receive correspondence from Experian still reporting Bankruptcy # XXXX in the amount of {$0.00} dated XX/XX/XXXX stating that it has been verified through XXXX XXXX. 

However, I have a security freeze on my XXXX report. In addition, the courts do not provide information to the credit reporting agencies or bureaus. 

So my question is how is Experian is verifying information from XXXX XXXX when I have a security freeze on my XXXX XXXX report? 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 2021-01-14
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: LEXISNEXIS

Complaint:
On XX/XX/2020 I sent LexisNexis a letter asking them for their method of verification for a bankruptcy account in which XXXX and XXXX  stated they verified this information about me from LexisNexis. On XX/XX/2020, I spoke with one of their customer service representatives who stated this was verified through the court. I then sent LexisNexis a letter on XX/XX/2020 asking them to remove this bankruptcy from my record. I included a letter from the court stating the court DOES NOT provide any communication with any credit reporting agency. According to the FCRA, they must request verification from the ORIGINAL CREDITOR. In compliance with the FCRA 15 U.S.C section 1681 et seq, they have failed to verify this information within the required timeframe as outlined by the FCRA and I ask that they subsequently remove this record from my LexisNexis report. According to the bankruptcy court whom is the original creditor they DO NOT provide this information to LexisNexis. Because LexisNexis is unable to verify this information I request that XXXX  and XXXX  delete this information from my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ad Astra Recovery Services Inc

Complaint:
I had an online payday loan from XXXX XXXX for XXXX. My payback was for XXXX. My personal information was given to a third party agency without my permission. I did not authorize my information from XXXX to be given to a creditor ( AD Astra Revovery Services , Inc. ). I could no longer contact XXXX about my account because it was sold to a creditor without my permission. My rights were violated by both XXXX and Ad Astra Recovery Services, inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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:
TransUnion is reporting Fraudulent information about me. I have sent several documents and created several disputes to resolve this matter. In a phone conversation yesterday A TransUnion representative informed me they never received a complaint that was Made by Me through CFPB. This is my second attempt at this complaint. I want all the listed information Blocked, and or deleted from my TransUnion Consumer report. 

Please see attachments

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 2018-02-27
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: Experian Information Solutions Inc.

Complaint:
Experian Report # XXXX ; XXXX Confirmation # XXXX ; I am filing this complaint because XXXX, XXXX, & Experian have all failed to provide me with the documents that their companies are required by law to have on file. these are the same files that were used to verify my accounts I disputed. Being that they have gone past the 30 day mark they can no longer verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA..it states they are required to ... .... '' promptly delete all information that can not be verified '' that ive disputed. I will really appreciate your help since I haven't been getting help from the bureaus I hope you will resolve this issue promptly business and profession acct # XXXX business and profession acct # 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 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
To Whom May Concern Good Morning, I hope this letter finds you well. I am writing to request the deletion of certain hard inquiries from my credit report. I recently obtained a copy of my credit report, and upon careful review, I noticed several hard inquiries that I believe should be removed. 

I understand that hard inquiries are generated when a potential lender or creditor requests access to my credit report as part of their evaluation process. However, I would like to bring your attention to the fact that these specific inquiries were not authorized by me, nor did I have any association or contact with the companies involved. 

As a diligent consumer, I have always been proactive in managing my credit and ensuring its accuracy. I take pride in maintaining a strong credit history and strive to uphold a favorable credit standing. The presence of these unauthorized hard inquiries not only concerns me but also has the potential to impact my creditworthiness negatively. 

I kindly request your assistance in investigating these inquiries and taking the necessary steps to have them removed from my credit report. I have enclosed a copy of my credit report highlighting the specific inquiries in question for your convenience. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants consumers the right to dispute inaccurate or unauthorized information on their credit reports. I believe these inquiries fall under that category, and I kindly ask for your cooperation in rectifying this matter promptly. 

If necessary, I am willing to provide any additional information or documentation that may be required to facilitate the removal of these inquiries. I appreciate your attention to this matter. 

Please respond to this request within the timeframe specified by law, which is typically 3 business days. I trust that you will handle this matter with the utmost professionalism and expediency. 

Thank you for your time and attention. I look forward to a favorable resolution to this issue. 

Attached FTC 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 2017-02-02
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pan Am Collections, Inc.

Complaint:
The debt was not paid but there is no actual debt. XXXX and XXXX both removed it from my credit report a few weeks after it was added because they said it was not a valid debt. The vehicle was not financed it did not have any loan it was through a car lot that my uncle worked at a XXXX and the car was a piece of junk and given them back to them. They continue to call me daily and tell me that they do n't care if I do n't feel like I owe and they do n't care if it was removed from my credit report but it is still a debt I owe

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
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 13th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX  XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
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:
After reviewing my credit report I noticed several fraudulent items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
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 — Problem with personal statement of dispute
Company: Associated Credit Services, Inc.

Complaint:
This collection company made a mistake two times. 
The first time after they had put an account into collections without any notification they were kind enough to fix it when i made payment due to their mistake. 
This past XXXX they put another account into collections. They never called me or sent me any letters notifying me of the debt ( they confirmed this on a recorded call ) I paid the debt as it was legitimate and asked that they pull this from my credit. They are refusing. This is the same exact scenario in which they knowingly made a mistake and fixed it previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)

Complaint:
I am disputing a charge of {$320.00} from XXXX XXXX for the following reasons : -The item in question is not accurately reported -Bank did not notify of the accounts charge-off -requesting verified proof of the amount owed -requesting permanent deletion I disputed a charge for {$320.00} from XXXX XXXX  dating back to XX/XX/XXXX which appears on my ChexSystems Report. This account had payroll checks deposited from my then employer, XXXX XXXX XXXX XXXX returned. Checks were held for a period of 10 days due to company 's financial issues causing " XXXX '' a Pay Day Loan Lender to repeatedly attempt to collect funds from the account as payroll funds were held or even returned. The account overdrew to {$140.00}. I requested the bank not allow the PayDay loan company access to the account to allow me to pay them seperately as I learned my Consumer Rights regarding illegal PayDay Loans ( N.Y. Banking Law 340, N.Y. Banking Law 373 and N.Y. Penal Code 190.40 ). I was never notified of continued attempts to draw from the account once the balance owed was paid in XX/XX/XXXX. I am currently trying to open a Business Checking as is required by XXXX XXXX and XXXX XXXX Certification process and can not complete the process because of an inability to have XXXX XXXX  clear this from Chex. I called XXXX XXXX and was transferred to XXXX XXXX collection line at XXXX. The teller : -could not verify an attempt to make me aware of the accounts status -could not verify the amount owed -could not verify to whom the account was charged-off -will not accept payment due to age of the account I contacted the past employer to verify if any other final payroll checks had been reversed. The employer could not verify and offered to resolve the situation with XXXX XXXX for any *verified* amount resulting from a returned or outstanding payroll check. The Agency ( XXXX XXXX ) can be contacted at : XXXX XXXX XXXX or XXXX XXXX. When a request was made for where to direct payment, XXXX XXXX claimed that it " is not collecting on the account due to its age and can not apply payment. '' Documents supplied demonstrate that XXXX XXXX ( Past Employer ) " furloughed its remaining four employees ... .was in the midst of a financial crisis in early XX/XX/XXXX ... hired an outside auditor after depleting its line of credit and failing to pay bills. '' Requesting permanent deletion from Chex Systems. Without deletion, this report on Chex prevents me from certifying my business with New York State. An inability to complete my XXXX XXXX keeps me from collecting on current contracts which require a XXXX XXXX XXXX certification.

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