hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-04-15
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:
This is my 4th 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 an alleged fraud or extortion. 
XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXBalance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXBalance : {$0.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX Balance : {$400.00}, XXXX XXXX Balance : {$20000.00}, XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, 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 2018-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
CAPITOL ONE DEBITED MY BANK ACCOUNT WITH XXXX XXXX XXXX XXXX ON XX/XX/2018 FOR THE ENTIRE BALANCE OF MY CREDIT CARD {$2200.00}.

I NEVER AUTHORIZED THIS PAYMENT AND THEY ARE STATING I MADE THE PAYMENT THRU THEIR IVR AND I NEVER DID NOR DID I CALL. THEY WILL NOT RESOLVE FOR 7-10 DAYS. I HAVE OPEN A PAYMENT INVESTIGATION SINCE THEY STATED I MADE THE PAYMENT.

I HAVE CONTACT MY BANK TO DISPUTE AND STOP PAYMENT. I AM DISGUSTED BECAUSE I AM SIGNING A LEASE FOR A NEW RESIDENCE ON XX/XX/2018 AND MAY NOT BE ABLE TO HAVE MY ENTIRE PAYCHECK RELEASED.

PLEASE ADVISE WHAT STEPS I NEED TO TAKE TO RESOLVE THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY

Complaint:
events happened as follows in XX/XX/2021 I submitted my payment for my target card as usual on time. My payment was not honored due to a bank error. Once I was notified by target I paid the amount immediately with a representative over the phone I also sent target card services the bank letter with the information that my payment was not honored due to an error from the bank that the funds were available. The representative from target card services explained to me it was not an issue and the late payment would be corrected due to it being a bank error.Target credit card services is still reporting a late payment for XX/XX/2021, they never corrected the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15
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:
Despite this account already being showed to be Id theft both companies have replaced it once again on my credit report sevelu damaging my life and my ability to feed my children, obtain housing or any time of loan while Im 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 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.

Complaint:
I have several inquiries that I didn't authorize from XXXX XXXX and Car dealers. They are listed on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
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: EQUIFAX, INC.

Complaint:
i've sent a letter to every creditor stating that i need validation of each debt to only be sent a bill. a bill is not validations. the definition of validation in commerce is ''to assess an action '' so I'm requesting validation under 15 usc1692g all i want is something in writing containing the 5 things required under 1692g. also if there were any competent witness i demand the debt collector to produce them. if the debt collector does not provide me with all 5 requirements that i requested under 15 usc 1692g they are in violation and owe me {$1000.00} per individual action pursuant to 15 usc 1692k and i demand removal of all negative account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL

Complaint:
On XX/XX/2019 I received an alert from XXXX   about my credit. I have had a freeze on all my credit. I logged in to find a new PayPal account ( I only have 2 credit cards and I pay them in full every month ). I immediately opened a dispute with XXXX  and I called the bank associated with the new account ( Synchrony Bank ). They claimed they had just purchased a bunch of PayPal accounts from another bank and there were some mistakes. They asked me for my billing address, it did not match the billing address for the account. They also asked me for my email address and it did not match what was on the account they then transferred me to the fraud dept. They opened a fraud case but said it would take 60 days. yesterday I received a letter saying they denied the fraud case for the following reasons : Account opened for more than 1 year with verifiable payment history ( Not true I have never sent payment as I never knew this account was even open ) Customer benefited from use of card ( not true I never received a card ) Synchrony Bank then opened a new line of credit for the identity thief using my social security number. Which they claim is within their rights.

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 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX I XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2018-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.

Complaint:
I have already reported this card as fraudulent. 
They have already received an identity theft report. I have not received any help with this.

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 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2020-09-24
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:
HAS FRAUDENTS ACCOUNTS AND COLLECTONS

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 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.

Complaint:
When researching my credit due to divorce I discovered 2 judgments against me that I was never made aware of. I attempted to contact Midland Funding using the address on the judgments and the mail was returned undeliverable. These accounts are fraudulent due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
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 XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax XXXX XXXX and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.

Complaint:
I received a message on XXXX of a XXXX XXXX XXXX  and she contacted me regarding a post I made on XXXX. She said if I wanted a mural of that post and I said yes. To do so I had to give her my username and password of my bank account and she said that I could trust her because one of the people she did it to also trusted her. I gave it to her and she deposited numerous checks to my account. The next day my checking account was in overdraft and I told her what she did and she denied that she had any part in that. She told me to buy her an XXXX gift card with an amount of {$500.00}. I knew something was off since the XXXX gift cards are only used for purchases of XXXX products. I didnt buy the gift card. She said that she could fix my overdraft account problem by depositing {$4000.00} in the checking account I have but only by giving her my debit card number. I didnt trust her so I decided to block her and since then she has been blocked. After that I have contacted my bank and they said that they were going to investigate further. I decided to call today because I got an email saying that my new account was locked due to suspicious activity. They said that since there was a bounced check in my old checking account the department team that deals with these cases they decided that my relationship with the bank would be terminated. I asked them about the balance of my closed checking account and they said that it was in XXXX  but when I called last week they said that I did have a balance and it would be sent to my mailing address through a cashiers check in 3-5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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: JPMORGAN CHASE & CO.

Complaint:
on XX/XX/XXXX, I purchased a plane ticket from XXXX XXXX for my sister XXXX XXXX. She was scheduled to fly on XX/XX/XXXX. When Covid 19 hit, she called her physician to see if it was ok for her to fly. Since she is XXXX XXXX XXXX and has XXXX XXXX XXXX XXXX he advised her not to fly because she is high risk. The ticket was cancelled on XX/XX/XXXX via XXXX customer service and was advised a refund would be issued with a letter from the dr. A letter was sent to XXXX and Chase credit card for a refund. I received an email from XXXX showing a refund was completed on XXXX. I have sent several copies via email and fax to Chase but as of today I have not received the credit. The amount is {$260.00}. I have called 3 times and all I get is that I need to resubmit the dispute. It was submitted in XXXX, and XX/XX/1920, XXXX and faxed XXXX. They have a copy of the physicians letter and the email showing the refund approval from XXXX. I do not know where else to turn in getting this issue resolved. I would greatly appreciate any help you are able to provide with a resolution. Thank you for your kind consideration. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XXXX/2020, I received an email from XXXX XXXX XXXX, XXXX XXXX that stated that they had a data breach, my account was deactivated, please destroy the card, and a new one would be issued. ( see copy of email attached ) In spite of this notice, I made a payment that was posted on XXXX/2020 and another on XXXX/2020. ( see statements attached XXXX However, XXXX XXXX XXXX NEVER sent me a new card in spite of them receiving payment 13 days after the date of this email. In XX/XX/ 2020,  my credit report alerted me that I had a XXXX status on my credit report for this account. ( Note : I had never been late prior to then or thereafter. I still have this account. ) When I contacted the creditor, they stated that my card wasn't issued automatically because I had a late payment. It was confusing since the notice of breach via email and a payment was within 13 days of each other. Finally, on XXXX/2020, I received the new card that the email stated that I would receive automatically. 
I have disputed this information several times through the credit bureau. I have even filed a XXXX XXXX. XXXX see their response attached, which had some discreptancies ) The creditor refused to assume any responsibility for THEIR data breach, lack of communication on current account numbers and reissuance of cards and THEIR ADMINISTRATIVE ERRORS and how this has affected my credit. I am now trying to purchase a home and this ONE LATE PAYMENT is hurting me badly. It has been over a year and I need it off ASAP. 
All documents proving these statements are attached. 
I am making this final attempt before pursuing legal matters stating how their errors is damaging my future.

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 2020-07-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lending Club Corp

Complaint:
Due to the COVID-19, I contacted Lending Club for suspension of my automated deduction payments until I return to work and start earning steady income. They agreed to suspend the payments for two months and contacted me to start making payments in XXXX after suspending payments for XXXX and XX/XX/2020. I told them that I had not been able to start working yet due to the uptick in COVID-19 cases in Texas but they told me that at least I should do whatever it takes to makes interest payments so they deductted {$370.00} from my checking account and scheduled another interest payment for the same amount for XX/XX/2020. Despite the hard times, they also sent me an email demanding another payment of {$890.00} on XX/XX/2020, thus collecting two payments within the same month despite the fact that I have not been able to return to work. I tried to call them to explain but nothing changed and they told me that they were going to damage my credit if I don't make the payments. Anytime they will attempt to deduct any payments from my account and there are insufficient funds, the bank will charge me fees adding more to my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
I did not authorize or benefit from any of the listed inquires. I also noticed 4 fraudulent accounts reporting to my consumer report. These accounts are reporting fraudulently to my consumer report because I the consumer gave no written instruction to any company to report anything onto my consumer report. This is a direct violation under title 15 U.S.Code 1681b ( a ) ( 2 ) and need to be blocked and deleted 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