hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-11-12
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Simultaneous examining my updates, the wrong information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I sent a letter to the Equifax Credit Bureau but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any evidence provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.

Complaint:
I have received repeated telephone calls from Citi Bank, XXXX, attempting to collect on a debt on behalf of Home Depot. The debtor is not known to me and I have had my existing telephone number for over 15 years. I called Citi Bank on XX/XX/18 and informed a representative that Citi Bank is calling a wrong number and to stop calling my home 's telephone number. I received another call from Citi Bank the following morning, XX/XX/18, at XXXX XXXX PST. I repeated my demand that Citi Bank not call my telephone number.

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 2022-12-04
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:
Transunion are reporting inaccurate and incomplete credit information. I sent in a dispute letter explaining this and received inaccurate results, I also asked Transunion to verify these accounts by sending an original consumer contract with my signature on it for each account and receive not one.

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 2023-04-04
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: EQUIFAX, INC.

Complaint:
Account # : XXXX Account Name : XXXX XXXX XXXX  Alleged Balance : {$770.00} Original Creditor : XXXX XXXX XXXX XXXX I have contacted both Equifax XXXX as well as XXXX XXXX XXXX  regarding this account. The payment dates, balance amount, and opening date are all incorrect. Neither company has furnished proper proof that a thorough investigation was completed. 
XX/XX/XXXX XX/XX/XXXXXXXX XXXX Account # : XXXX Account Name : XXXX XXXXXXXX Alleged Balance : {$91.00} Original Creditor : Progressive I have contacted both Equifax XXXX as well as XXXX XXXXXXXX regarding this account. The payment dates, balance amount, and opening date are all incorrect. Neither company has furnished proper proof that a thorough investigation was completed. 
XX/XX/XXXXXXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Alleged Balance : {$5100.00} Original Creditor : XXXX XXXX XXXX I have contacted both Equifax XXXX as well as XXXX XXXX XXXX regarding this account. The high balance is inconsistent with the other credit bureaus. The close date is incorrect. Last payment is also incorrect and inconsistent with the other credit bureaus. 
XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.

Complaint:
I have consistently called them trying to make a payment I could afford. They gave me no options at all to repay this loan other than putting it off over and over again. {$1000.00} a month is an insane amount. I had just had a baby and explained I could not afford that. I called them several times a month which they have in their system. No one helped me or gave me options. Please listen to our conversations if you could. I investigated myself and read that I could do a plan which starts low and goes up higher over time. I decided to do this and told the representative and they were not eager to provide this plan. Again gave me all different information on payments everytime you call its one amount and you get a bill for another. Please again listen to the conversation verses the bills they sent. They dont match which is why I had to keep on calling. So I ask why this keeps happening. They say its an estimate. So your making me agree over the phone to pay an estimated price then you bill me another? After agreeing to yet another payment plan they sent me several bills with different amounts. So I call again. They say the system is backlogged and to ignore them. I was to start paying in XX/XX/XXXXstill no corrected bill of what I will actually pay. Lack of information on the phone. They put several over 120 day late notices on my credit report and now I am having trouble obtaining loans and credit cards due to their incompetence. I have wrote to their credit department to have it removed and they will not remove it because they are in the wrong. Please help me to remove these reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
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 disputed a public record filing of bankruptcy because the furnisher of such reporting has not been verified by Transunion. I have disputed in writing on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. I then disputed in XXXX, XXXX, XXXX, XXXX of XXXX. After all of these disputes, Transunion has yet to provide accurate information furnisher verification. This is important information to provide so that I can investigate and correct my report. In XX/XX/XXXX, I called in to initiate a phone dispute and Transunion informed me they were unable to access my report because they did not have my correct personal information and needed to send my file for maintenance. Finding out that Transunion has not been documenting my information correctly and then refusing to take my dispute is against all FCRA laws governing credit reporting agencies ensuring they are provided accurate and verifiable information for a consumer. When I called back later in XX/XX/XXXX to discuss the errors in my file and to once again request the furnisher of the bankruptcy reporting the manager XXXX informed me that they are not allowed to provide this information so that I can not investigate the origin of such information to get it corrected. Transunion has violated all rights I have to investigate, obtain verifiable information in order to correct my report, in addition, they have not been keeping accurate records of my personal information. I have attached a copy of the same dispute letters I have sent 10 times via USPS mail to Transunion. Transunion also does not show my record of disputing with them, which in turn makes me think they never investigated my dispute.

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 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION

Complaint:
On XX/XX/XXXX I opened XXXX trust accounts at Truist bank, depositing close to {$5000.00} in each account. 
Shortly after I was told I had to open a personal account to have access to my online banking. I then opened a personal account. I started transferring funds from my other bank accounts to use Truist for all my banking needs. 
On XX/XX/XXXX, I deposited XXXX cashiers checks into my personal account : XXXX from my business account at XXXXXXXX XXXX for {$120000.00} and XXXX from my business account at XXXX XXXX for {$53000.00}. 
I was told that a hold would be placed until XX/XX/XXXX. On XX/XX/XXXX, I went into the bank in XXXX and was told my account was on hold by I believe his name was XXXX, not sure. We called Truist customer service stayed on hold, then the banker had to call another number and we stayed on hold, then I was instructed to call another number. Spoke with the lady and she mentioned something about a hold in the fraud department. I stayed on hold another XXXX minutes and then the phone hung up. 
I went into the branch in XXXX, spoke with XXXX, the only thing I was told was that my account was closed on the XXXX of XXXX and a letter would be mailed. I received the letter a few days later and it stated I would receive the funds within XXXX business days if funds where not collected at the branch. They would not let me withdraw the funds at all and it has been more than XXXX business days. 
I have called to no avail and have been on hold for almost an hour. I need my money now!

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 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
There are several unauthorized inquiries on my report. I have mailed investigation letters to the bureaus and organizations. I have also created a report with the FTC, yet there have been 0 attempts for resolve. These unauthorized inquiries should be investigated and removed immediately, as requested.

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 2022-09-05
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: Bread Financial Holdings, 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. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : COMENITYCAPITAL/OVER XXXX Date Opened XXXX. XXXX, XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint:
My name is XXXX XXXX XXXX my DOB is XXXX SS XXXX my current and only address is XXXX XXXX XXXX XXXX , XXXX, OH XXXX. I have some issues with my name appearing on my credit report incorrectly my on name should be XXXX XXXX XXXX, please remove any other variation of my name. I have several addresses showing that are not mine they are not accurate please delete the following : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX It could be possible maybe a Ex Spouse address that I am not associated with.

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 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
I just sent a letter to XXXX  ( their address is on their website. ) I couldn't even get into my Experian OR XXXX  because whoever is using my information ( and apparently working under my SSN! ), has been doing this for awhile. Therefore, I can't answer the security questions. It has been a very long time since I checked my credit reports, and I can see there are several accounts on the XXXX  credit report ( that are NOT mine. ) I am on XXXX, so I drove down to the Social Security Office and alerted them, as well. I recently found out, also, from the manager at my section 8 building, that someone has been WORKING under my SSN. Apparently, this person is somewhere in California. I am in Florida. This is when I reported it to the local SS office here in XXXX XXXX XXXX, Florida. My next move is to file a police report and alert the IRS. I couldn't get into my Experian and XXXX  reports, which is why I'm submitting this information for help, in hopes they get alerted as to what has happened. Thank you so much for your help and time, in advance. 
Sincerely, 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 2020-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
As best I can tell I've made a dispute on all the credit services about the same debt. It comes back negative lender verified information. XXXX  file number XXXX Portfolio Recovery is the collection agency, I called them XX/XX/XXXX talked with XXXX XXXX and asked her politely about XXXX  now XXXX XXXX   {$2800.00} total owed on account. She described to me that sometime in XX/XX/XXXX the balance was {$1500.00}. I asked what document she was viewing because I stopped living at the location XX/XX/XXXX and moved to XXXX XXXX and was aware of any bill owed and indeed I did have a charge account for my business since XXXX for computers, printers etc. I closed the XXXX planners in XX/XX/XXXX. I was not using the account. I filed for SSA  XXXX  in XXXX and was awarded SSA XX/XX/XXXX it was further back-dated to XX/XX/XXXX. When I moved from XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX I suspended all mail. She XXXX XXXX explained several additional charges were made in XXXX and XX/XX/XXXX and XXXX respectively, I did Not live in the usa at the time. My wallet went missing and i lost a shell card andthe XXXX card as well as my XXXX debit card, i did not realize they were missing until i reached XXXX. I believe that charges were made to the XXXX account because the collector now states the new debt is {$2800.00}. How could it almost double in short time? accordingly I expect proof of debt they say I owe, rather I suspect subsequent charges to be validated as to when additional charges were made and what was indeed purchased

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
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 am having a lot of trouble with the credit reports because the fact there is things on my report that should not be there. 1st is XXXX credit card i paid this than it was taken off. Aprox. a year & few months later it's put back on. After my house was broken into and set on fire. I lost everything not once but 3 separate times has my house be set on fire.. I understand its not your fault but I'm telling you this because I have nothing. I did not get a new XXXX credit card. 2nd is a XXXX XXXX they want me to pay for something that I did not authorize and disputed right when I noticed it on my account. It took the money I had in the bank & over drafted my account. 3rd. There are some other things that I didn't do. I was one of the people who info got stole when XXXX  had a data breach

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 2015-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.

Complaint:
My monthly payment was XXXX days late ; spoke to them onday XXXX and day XXXX that payment would be made on XXXX/XXXX/15. Advice unable to verify at moment but would take care of payment. I received a call Tuesday XXXX XXXX, Wednesday XXXX XXXX. I received XXXX calls after speaking with them on Tuesday and Wednesday, I advise them not to call me by phone anymore they were not to call me back after payment arrangements the rep said she would call me as much as they wanted to ... previous reps did n't promise account or note it. They could call as much as they wanted. I received call on XXXX/XXXX/15 @ XXXX and XXXX and XXXX on my home number. Before hanging up I advised of a cease and desist on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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: LEXISNEXIS

Complaint:
XXXX.In accordance with the Fair Credit Reporting Act XXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account # XXXX has violated my rights. 
XXXX.In accordance with the Fair Credit Reporting Act XXXX XXXX Delaware Account XXXX XXXX has violated my rights. 
XXXXIn accordance with the Fair Credit Reporting Act XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act THE XXXX XXXX XXXX XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX 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. 15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint:
on XXXX I sent a 3rd round of letters to all Credit Bureaus demanding to comply, investigate and delete inaccurate information that is finically costing me defamation. It is now 60 days later with no response and deletion of inaccurate results on my credit report I demand that all items be deleted due to the violation of the FCRA.

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 2023-05-08
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 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.

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