hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-12-17
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:
There are 2 accounts showing and it's not mine. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
On XX/XX/XXXX, Equifax was breached by unknown parties and my credit information - SSN, addresses, DOB - was leaked. I was only made aware of this on XX/XX/XXXX when media outlets began to report the breach. Despite having had more than a month to communicate or attempt to provide some sort of remediation, they have done nothing. Furthermore, the tool used to check whether or not my data was stolen only suggested that I return in a week to sign up for indentity protection services. This is an unacceptable state of affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
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: TRUIST FINANCIAL CORPORATION

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Requested On : XX/XX/2019, SUNTRUST AUTO DEALER FIN Requested On : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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 2018-06-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Overland Bond & Investment Corporation

Complaint:
My mother financed a car with XXXX XXXX in XXXX in XXXX. The finance company is Overland Bond. My mother has paid her car note every month on time. Now, in XX/XX/XXXX a young girl hit her car which caused a car accident. In the police report, it stated my mother is not at fauly but the young girl was. The young girl`s car insurance refused to fix my mom`s car and put it down as a total loss which is wasn`t. Now my mom doesn`t have a car now. Overland Bond contacted me yesterday XX/XX/XXXX threatening to garnish my wages, put this balance on my credit because I am the co-signer for my mom`s car. I was not refusing to pay but the way the supervisor called and threatened me not knowing the insurance was supposed to cover the loss. They are stating my mom owes {$10000.00} which is incorrect. On me and my mom`s XXXX credit report, it shows my mom owes a balance of {$12000.00}. The insurance company agreed to pay {$6300.00} to Overland & Bond which actually leaves her a balance of {$6600.00}. Now, Overland Bond is stating the vehicle in total is {$16000.00} which is impossible because that is not a document of paperwork me or my mother signed. They won`t work out a payment plan with us. They are just now calling me yesterday XX/XX/XXXX stating the account is 25 days past due. How is that possible and I asked Overland Bond in regards to why are you guys contacting me 25 days later stating the account is past due! This is wrong and illegal and I want to file an action of suit against this horrible finance company and whatever arrangement we can make to not affect me and my mom`s credit would be great.

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 2023-08-23
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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

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 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX XXXX shows i had one 30 day late, but i was never late

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 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.

Complaint:
They are negatively affected my credit score by false reporting. They dropped my credit limit without my knowledge and proceeded to process a payment late. I went into the store where they dont do cash bill pay and I went online they reported my account later. They are impacting and reporting my scores in an in fair, and derogatory manner!

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 2021-06-04
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.

Complaint:
My name is XXXX XXXX XXXX, this is my only name, and I am a natural person. I have sent out several letters to this debt collector to let them know that I am not responsible for this debt attached to Acct No XXXX. They have failed to validate the debt as required under 15 USC 1692g. Furthermore, they have inaccurately and inconsistently reported this debt to the credit bureaus, causing damage to my good name and reputation. They have used abusive, deceptive, and unfair debt collection practices. They have also presented false and misleading information on my report by reposting the debt with a higher amount after it was removed because they failed to validate the debt. Please see attached. 

They are informed of the violation of the following laws and of their civil liability under 15 U.S. Code 1692k - Civil liability Violation 1 : 15 U.S. Code 1692 ( e ) ( 2 ) ( A ) XX/XX/2022 - XXXX XXXX Violation 2 : 15 U.S. Code 1692 ( e ) ( 2 ) ( A ) - False or misleading representations XX/XX/2022 - amount increase {$1.00} XXXX Violation 3 : 15 U.S. Code 1692f - Unfair practices - XX/XX/2022 XXXX Violation 4 : 15 U.S. Code 1692f - Unfair practices - XX/XX/2022 XXXX Violation 5:15 U.S. Code 1692f - Unfair practices XXXX Emotional Distress XXXX 15 U.S. Code 1692c XXXX 15 U.S. Code 1692g XXXX Payment may be sent to the address on file. 


Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
This is my THIRD TIME notifying yall about these fraudulent acounts on my credit. The FIRST time i was accused of using a credit repair company. I cant even afford a credit repair service. I was accused of using credit repair the SECOND time, now the THIRD time yall said these are my accounts. HOW could these be my acounts when i have NEVER benefited from. I am victim of identiyy theft and i feel like im being further victimized by being accused of actually owning these accounts. I really dont know what yall want me to do, the only logical thing would be a law suit..I was XXXX, my info was stolen.

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 2021-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Genesis FS Card Services, Inc.

Complaint:
Milestone Mastercard XXXX XXXX XXXX XXXX/ MI XXXX XXXX XXXX XXXX , OR XXXX XXXX XXXX I took out the card and Without using it or activating it the card came with a balance of XXXX This balance is very deceiving. They charge an annual fee without the person ever activating the card. The other issue is it is not made abundantly clear beforehand that this would occur. If not for XXXX XXXX I would have never noticed and I would have been unjustly billed. 
I called and complained about the charge. I not yet understanding why there was a charge to my account told the individual I spoke to I never used the card and I should not have a balance. I also told them I did not want the card. I want it closed and I would be reporting them to consumer finance. Their response was asking me if I wanted to activate the card. Luckily I said NO and repeated I wanted the account closed out. They transferred me to a manager. 
After talking to a manager I discovered had I activated the account I would have been stuck paying the fees. I felt mislead. The woman I spoke to before clearly tried to trap me into having to pay the fees by 1st not disclosing I would have to pay the fees if the card was activated and 2nd by ignoring my demand to close the account and offering to activate the card. 
This is not a trustworthy company! 
XXXX XXXX has many people complaining that this card is not clearly transparent on the annual fee. And they clearly do not explain we will not be held accountable if we do not active the card. And clearly if you call to complain before they explain the fees and how to avoid them they try to push you to activate your card. 
Now my concern is how trust worthy are they to follow through and not charge me a fee and how will this affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.

Complaint:
On XX/XX/2023 and XX/XX/2023 I unfroze my credit. 

I sent my Driver 's License and Social Security Card on.XXXX XXXX. 

Equifax has refused to remove an PII so I can qualify for a mortgage with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
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: EQUIFAX, INC.

Complaint:
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 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I had an account with Bank of America checking account number XXXX, was closed by bank and bank reported to credit service on XX/XX/XXXX as Checking account Fraud. 

I received detailed consumer report from XXXX XXXX XXXX today XX/XX/XXXX wherein I came to know the reason for my previous account closure with Bank of America, as of this negative reporting XXXX XXXX  put a temporary hold on my account and initiated account closure. 

I called Risk department of Bank of America at XXXX spoke with XXXX XXXX Employee ID XXXX, to know the transactions which bank deemed to be fraudulent but XXXX was not able to provide any information, as the XXXX XXXX report states all the ACH transactions since my account opening with Bank of America. XXXX stated she is not able provide me details of the transactions which initiated account closure for fraudulent transactions and said I need to speak with Claim/ Dispute department at XXXX, I called them and spoke with XXXX XXXX employee Id XXXX, she said she can only raise claim or dispute to any transaction/s which I dont recognise and cant help me with information or activity which initiated fraudulent transactions on my behalf and account closure and I need to speak with Risk Management department. 

Please help me to solve this matter.

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 2021-10-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
I have filed a Dispute in regards of inaccurate items on my credit report and it's been well over 30 days and I haven't received any investigating results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK

Complaint:
On XXXX Discover bank closed my checking and savings account for business purposes and said it will take 60 days for them to mail me a check for the money I had in those accounts. I need the money now I cant wait 60 days my bills have to be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.

Complaint:
Navient reported all my accounts as 90-day late in XXXX XXXX when in fact my forbearance covered the following months : XXXX, XXXX & XXXX. 
I have tried to resolve the problem numerous times with Navient since XXXX and all 3 credit bureaus but no one seems to be reporting the correct information. I made several calls to Navient regarding the information, disputed the incorrect info with all 3 bureaus and I even sent a letter to Navient advocate department on XXXX/XXXX/XXXX to explain that the information reported was incorrect, I told them even if the information reported was correct at one point according to FCRA section 623 ( a ) ( 2 ) " Duty to correct and update all information " The information reported previously should be updated and corrected. Unfortunately this information reported has lowered my credit score and has delayed several important events in my life. I would greatly appreciate if this gets resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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: EQUIFAX, INC.

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update these items immediately : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY

Complaint:
XX/XX/2020, ,Continued Issues, ,I also Heard That ( Mr XXXX XXXX ) was Fired Last. Week At That Wells Fargo Bank So What Is Company Doing About That Problem And Every thing else, ,So UnAcceptable He Stole From Me And. Some of Customers At The Company, ,So UnProfessional and So UnAcceptable!!, ,So What Is The Company Doing About It ( NOW )!! And Also Went To Get Cash At The Bank on about The 5 or 6, ,At The Wells Fargo Bank at XXXX XXXX XXXX , ,In XXXX XXXX NC , XXXX, One Of The Bankers was Very Rude, ,And UnProfessional To Me She Was A Older Woman, ,I Forgot Her Name But She Has Blonde Hair And Wear Glass, ,So UnProfessional!

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