hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-06-25
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:
I am writing this due to non compliance with the CRAs ( XXXX, Equifax, XXXX ). They have failed to remove information that is affiliated with personal details that were challenged in the past. I strongly believe that they are are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
On XX/XX/2021 a letter was sent to Experian CRA to remove incorrect information on 2 accounts on 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 explanation
Consumer complaint received 2022-03-21
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC

Complaint:
I previously had a loan with XXXX XXXX for the mortgage of my home. Due to XXXX XXXX, XXXX XXXX and XXXX, I fell behind. The home was foreclosed on and the loan was sold to Specialized Loan Servicing LLC. I am currently living in a XXXX XXXX  and do not have direct contact information. The loan has been foreclosed but I have not been served with an eviction notice. I am in XXXX. I can not apply for assistance because I do not know where I stand with the house. Also since I have not been formally evicted, I am about to lose my placement in the XXXX. Both I and my counselor at the XXXX  have attempted to contact the debt agency to clarify the status. On the first call, I was told that there were XXXX options. Fax and email information was provided. Both of us were told we would receive information on how to proceed. No information was received. We have been through the phone brush off on three occasions. No information is received. The last call, we were assured that we would receive this information within the week. In addition, I have attempted to contact the company via their website. I can not email them without an account. I can not create an account without a loan number. I have no paperwork from the company with any information or loan number etc. This has been going on for over a month. I am willing to work with them or to move on if I could simply get a response.

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 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I paid 1 dollar to transunion, to check credit score a week later they charged me 27.99 as I went to call them they told me I signed up for a subscription witch theres no way I signed up for anything XXXX a 1 dollar credit report, as I called them to ask them to take the subscription off and I did not purchase it they told me they cant, and I have to keep it for a month, as I ask how come if they said it started after the free 7 day trial some substitution starts, I said to them well if it didnt start yet than take it off she still replied we cant, I ask for a supervisor and she hung up, I called back three times after they get my info they will leave you on hold for 15 20 mins than hang up, so I called back the next day and talk to a woman that said she take it off and I was all set than another charge came, I am now just so upset they can do this, so I called back 2 days later after another charge came and the lady again said theres no way they give refunds, I told her this is fraud she said have a nice day and hung up on me, so after reading up online I found thousands and thousands of people had the same issue, so from learning from them I went to the website and did it online and still was charged and noway to take it off besides the evedince of my calls, I also been getting tons of phone calls from XXXX XXXX and when I called them back to talk to a supervisor I have learned that transunion is there coparnts and you have to log onto there site and go to share personal information and take it off, I just cant belive this is a credit place and to do this this is unbelievable, I am contacting a attorney I dont car if its 30 bucks and 27.99 I'm taking this to court or am asking what I can do this is crazy how many people they been doing this to and customer service is a joke, please help

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 2023-05-30
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: Fidelity National Information Services, Inc. (FNIS)

Complaint:
The following inquiries viewed by others and only by me currently listed and showing on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized and not my inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint:
My wife and I had a joint checking account with USAA. Both my wife and I applied separately and independently for a USAA credit card. I was denied but my wife was approved and added me after the account was already in place as an authorized user. The bank instead put me down as a joint account holder. In XXXX, USAA closed our joint checking account without notice or explanation after being a customer for over five years. Because of the checking account closure, access to the online portal for the credit card as well as access to the online portal for my truck loan was removed. There was no way to see any information for any of my USAA accounts. As a result, all deposits and automatic payments for my credit card could not process through my checking account. USAA was aware I had no access to any of my accounts. In the meantime, my stimulus check was deposited into USAA and they took money from the check to cover a overdraft and mailed me the remaining balance. Approximately two weeks later, the check was received by me, which I had no way to cash since they closed my account and I had to open a new checking account elsewhere. As a result, USAA reported a missed payment on my credit for the month of XXXX. The missed payment was caused by USAA due to their removing my account access to pay the bill. I still can not access my truck loan online and USAA will not restore access for me to view my loan. Due to no notice from USAA that they intended to close my account and by removing my online access, they effectively caused the missed payment for XXXX and negatively reported it on my credit. There was ample notice and communication with USAA during this time frame and attempts to regain online banking to pay all bills prior to the credit card account ever being late. I promptly paid off the credit card approximately 2 weeks later when I received the close out check sent from USAA from my stimulus payment which was in XXXX and closed the credit card account immediately. Because I was only to be an authorized user, closing the account should have removed the credit card fully from my credit report but, because they listed me as a joint account holder, I now have a closed account with a missed payment for XXXX reporting on my credit. The missed payment for the credit card was a direct result of USAAs action in closing my account and removing all access to their online payments which caused the payment to be late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
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 furnaced information on my credit report incorrectly. I reached out and disputed items and they updated the report to information that was correct regarding employer and late payments. Transunion had and Incorrect employer. They also had a late payment reflecting with credit one that was incorrect and in violation of reporting regulations.

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 2023-04-26
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 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 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.

Complaint:
Experian - This company makes it so difficult to cancel your service that most people like me just give up. You can not cancel your service or pull your credit card from their website. You can only call them at XXXX and give them lots of information and then they immediately have their recording tell you it will be a 30 minute wait time to cancel your service.

As I am typing this complaint, I have been on hold for 47 minutes not 30 minutes. This has been the norm in the past and I have given up and hung up to tater find the same results. I want to issue a complaint and will call my credit card company to file a complaint with them as well. 

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 monetary relief
Consumer complaint received 2021-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I XXXX XXXX am a victim of identity theft and fraud. TransUnion IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING XXXX  ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF 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 2023-03-07
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: EQUIFAX, INC.

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
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: First Technology Federal Credit Union

Complaint:
I was working with First Tech Credit Union and asked for a pre-qualification letter for a mortgage and was told via email it would not greatly impact my credit score ( email below ). After that conversation, a XXXX point decrease in my score was noted via XXXX XXXX and XXXX. I don't recognize the XX/XX/XXXX pull and did not authorize anything on XX/XX/XXXX. 

I would like the XX/XX/XXXX pull removed from my score per 15 U.S.C. 1681G. Please let me know if you require additional information. 

Thank you, XXXX ________________________________________ Credit Alert New Inquiry Reported By XXXX XXXX Reported On XX/XX/XXXX and Credit Alert New Inquiry Reported By XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ________________________________ Good evening XXXX, You are most welcome! 



Sorry for the late reply, I have been covering for a few other mortgage loan officers this week. 



Regarding your credit check, yes it would be a necessary part of the application process, as this is required to add up your liabilities and determine your score. 



The good news is that a credit check is good for 90 days and it will have a very minimal impact to your score. 

Any small impact incurred you usually get back the following month. 



Should you have any questions about the mortgage application process, please feel free to reach out this week! 



My direct line is 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 2023-08-09
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 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 non-monetary relief
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Multiple disputes have been filed in which they continuously come back as verified, Ive requested the method of verification in which they have not provided. Upon calling today to inquiry about results that had not come in, and file dispute on fraudulent inquires, I was denied that right by the representative, as well as told look at the website, it states how public records are verified. Public records should only be verified by the source, and I have confirmed from the XXXX XXXX bankruptcy court that they do not verify this to any third parties. Meaning credit reporting companies, or the third party companies that they use to verify. Additionally they claimed three collections from XXXX XXXX was accurately verified, I however received a letter from them stating we can not determine the reason for dispute so theyve listed the dispute as in dispute however Transunion says this was verified? HOW?!? Delete these four items immediately.

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 2023-03-17
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I called XXXX XXXX XXXX via Phone ( XXXX ) XXXX, and conversed with XXXX XXXX who has assisted me with addressing me with contacting Trans union who failed to have 4 previous and present loans with XXXX XXXX XXXX not presently on my credit report and there is a 70 point descprencey, and my credit report is not a 100 percent and want to ensure it's accurate. I have enclosed documents from my credit report from XXXX XXXX as well for forward documents with Ms. 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 2022-12-28
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 identified an incorrect account reporting on my credit report. This account violates 15US 1681e ( b ). Transunion, XXXX and XXXX refuse to remove the information from my credit report. I attached and highlighted the incorrect information and would like it removed immediately. 

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 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, 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 inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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:
On XXXX ( additional dates/ tracking numbers are attached below ) l sent letters to the credit reporting agency and creditors regarding inaccurate and unknown items on my consumer report. To this day over 30 days later I have not received a response yet I feel like Im being ignored and taken advantage of my disputes Section 611 ( a ) states that failure to investigate items within 30 days gives reason to delete. Delete these items from my consumer report immediately. The credit reporting agency/creditors also violated 623 ( a ) ( 3 ) - 15 USC 1681b - 15 USC 1681e ( b ) - 1681a -2 ( A ) ( i ) - 623 ( a ) ( 1 ) ( B ) ( ii ) ( 5 ) - 15 USC 1681c ( a ) ( 1 ) They were also supposed to complete investigations before the expiration period under section 611 ( a ) ( 1 )

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