hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-09-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings

Complaint:
XX/XX/2017 I moved out of the apartment complex XXXX XXXX at XXXX XXXX XXXX  XXXX due to a HORRIBLE continuous roach infestation. I wrote to the leasing company multiple times and even have pictures to this day ( about the infestation ) and did not receive any response in the matter. Shortly before moving hurricane Harvey struck and I unfortunately lost my job. I had to relocate to XXXX and live with a relative. Months after I was told that I owed almost {$10000.00} in breaking the lease even though someone had already moved into the premises. IQ Data kept on harassing and calling me multiple times ; I consulted an attorney who then sent a settlement amount ( which I never agreed to ) of {$1000.00} and it was flatly denied. Last year I decided to call the company and see if this negative remark could be removed as I did not owe that amount and the representative I spoke with yelled at me and used profanities indicating that I was  paying over $ XXXX/ month ( which I wasn't ) in rent and I needed to pay the full balance of over {$11000.00}. Since then every month I notice an increase on the account once I check my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
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: EQUIFAX, INC.

Complaint:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I took my car to one stop automotive to rebuild the transmission in the car and when I came to pick up the car and drove it home I noticed the car was leaking transmission fluid and the transmission fluid pan and gasket and filter and the drain valve were all NOT replaced as agreed with one stop automotive. I paid XXXX dollars with my capital one card ending in XXXX. I towed the car back to one stop automotive bur all he did is put silicon on the pan valve and that is unethical and unprofessional and not as we agreed. The transmission in the car now DOES NOT shift at all and the transmission is still broken and one stop automotive did NOT repair the car as agreed and did NOT rebuild the transmission as agreed and did NOT replace the transmission fluid pan or the gasket or the filter and the car leaked all the Transmission fluid out. Now the car is NOT driving and the transmission does not shift and its broken. So the repairs that I agreed with the shop auto stop automotive to do and rebuilding the transmission were NOT done so I was charged XXXX dollars for repairs that were never done on my car. So I disputed the charge with capital one credit card and until now its not resolved in my favor as it should be. I want capital one to give me a permanent credit for XXXX dollars because I never received the services for that money and the repairs were NOT done as agreed and the transmission was not rebuilt as agreed. So I did not get the repairs for the money I paid. Capital one needs to resolve this dispute to my favor and give me a permanent refund and credit for XXXX dollars. The disputed case with capital one card is XXXX. I did not receive the repairs I paid for and the transmission is not shifting and not working and one stop automotive gave me a one year warranty which they are NOT honoring and they are not refunding my money and NO repairs as agreed were done to the car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Among others. This is grounds for removal. 

They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

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

I have been disputing these accounts for months now. They don't respond to my requests and I'm beyond over it. 

I have been disputing my account since XXXX All my account say 'Account not disputed '. I have called and sent letters to let them know I AM the one disputing my accounts. My next step will be a lawsuit. I know my rights and they are being violated.

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 2016-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.

Complaint:
Debt was the result of fraudulent charges that were charged to my XXXX account as part of a prepaid rental. The rental was prepaid with priceline.conm to include insurance at a cost of {$200.00} for 3 days. At the end of the rental an additional {$230.00} was charged to my card in addition to the original {$200.00}. When I inquired about the duplicative charges I was told that is was for additional insurance policies that I never asked for and some were actually duplicative. The prepaid amount included {$9.00} per day of damage and collision but XXXX included the same insurance at {$27.00} a day without my consent. XXXX and XXXX both agreed that the charges should have never been posted to my account and XXXX voided the charges. I am now receiving a collections notice that these fraudulent charges are being put on my credit report. I never received a certified letter from the collections agent just a regually mailed letter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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: TD BANK US HOLDING COMPANY

Complaint:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

TD AUTO FINANCE XXXX Late Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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: EQUIFAX, INC.

Complaint:
I was confirmed a victim of the Equifax credit attack. I entrusted my personal info, info that can be used to ruin people 's lives, to them. I have taken all of the precautions since then, but something like this should n't happen to an agency handling this kind of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
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: Experian Information Solutions Inc.

Complaint:
This is a follow up dispute to Experian about the negative inaccurate account of XXXX  XXXX and the FCRA violations to my Credit Report Im the attachment will be proof of my identity with utility bills with my current address and proof of the inaccuracy of the XXXX  XXXX account Any documents of proves will be in file attachments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
XXXX XXXX Account # shows XX/XX/2019 and XX/XX/2019 as 30-day late payments. This should be changed to paid on time. 

I attached a letter from XXXX XXXX stating that I have no late payments with the company.

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 2023-02-25
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: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account number ending in XXXX XXXX XXXX Account number ending in XXXX XXXX XXXX Account number ending in XXXX Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-04
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: Experian Information Solutions Inc.

Complaint:
IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY .... 15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED INCLUDING INQUIRIES WHICH WERE NOT DONE BY ME, XXXX AND XXXX CREDIT BUREAU INQUIRIES BELOW : ******FACTUAL DATA XX/XX/XXXX ***UXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ***XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXS ***XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX AND EXPERIAN ***XXXX XXXX SHOWS A XXXX BALANCE THIS CREDIT CARD WAS PAID TO A XXXX BALANCE I ASK GRACIOUSLY IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY .... 15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED. 

***XXXX XXXX XXXXXXXX XXXX IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY .... 15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED. 

XXXX XXXX AND EXPERIAN XXXX XXXX  CREDIT CARD AND XXXX XXXX CREDIT CARD IS MY CREDIT CARDS AND WAS PAID TO XXXX BALANCE ..THESE TWO ACCOUNTS SHOULD BE UPDATED TO PAID TO A XXXX BALANCE. **** THIS IS NOT ACCURATE ON MY 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 2022-08-08
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:
These uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$450.00} ; XXXX XXXX XXXX Balance : {$2100.00}

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 2020-12-02
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: Experian Information Solutions Inc.

Complaint:
I spoke to XXXX from Experian. I had ask her to remove my soft inquiries. I was told from her that i had to give her all the names of the soft inquiries that. I had explain to her there were to many inquiries. I had let her know that i will call Consumer Financial Protection Bureau.

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 2020-10-20
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: EQUIFAX, INC.

Complaint:
XXXX  IS REPORTING 16 INCORRECT INQUIRIES ( XXXX SCREEN SHOT 1 ) AND EQUIFAX  IS REPORTING 9 INCORRECT INQUIRIES ( XXXX SS 2 ). NEITHER COMPANY IS POSTING CONTACT INFORMATION REGARDING THE MISINFORMING AGENCIES AND I AM SUFFERING DAMAGE BECAUSE OF THIS MISINFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
On XXXX XXXX, XXXX I went to XXXX XXXX XXXX XXXX share branch which is XXXX XXXX on XXXX XXXX XXXX. in XXXX XXXX, XXXX and made my loan pymt. The amount I paid was {$350.00} I forgot to add the {$.00} to my check. On XXXX XXXX, XXXX I received an email stating I was 30 day 's past due for {$.00}. XXXX  XXXX called me for 5 day 's about {$.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.

Complaint:
I contacted the company via phone with a follow up email to their published email address, Three emails, no response to any. Recent bill shows another unauthorized purchase. I paid the first suspect bill last month because I wanted to ensure the account remained current while the bank looked into my complaint. I will not, however, pay this unauthorized purchase. I have blocked the account so there should be no further activity, but do I need to close the account because of such bad customer service?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Fidelity National Information Services, Inc. (FNIS)

Complaint:
this is a fraud account please delete from my consumer 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 2019-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am a victim of identity theft

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 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY

Complaint:
I use Wells Fargo for merchant services ( credit card processing ) I own a small business that was recently scammed by a customer  using stolen credit cards. 
I reported this to wells fargo. They sent me letters showing chargebacks from the victims and removed all funds available in our business accounts and my personal checking account. 
Next they froze our merchant account that receives our credit card charges. They refuse to unfreeze the account but still allow us to run credit card charges to it. Thus our customers are paying their bills each day to a frozen wells fargo account. They have now withheld more than the total amount of the suspected fraud charges. 
I have been told that only the security department at wells fargo can unfreeze the account but when myself or other wells fargo customer service agents call that department, the call goes to voice mail and the mail box is full. 
My company is going to run out of cash to pay employees and bills. We are going to close. But the only department that can apparently help unfreeze my account is unreachable. 
Also, establishing a new credit card processing relationship can take up to a week and does not leave us time to pay the employees or vendors. 

Please help save our jobs thanks XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
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:
The addresses that are posted do not belong to me I have never lived at these addresses delete immediately XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, LA 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 2022-02-28
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: Experian Information Solutions Inc.

Complaint:
Going over my consumer report I have notice you are reporting XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX on my report. 

I demand these accounts to be removed from my consumer report. I did not give you written instruction to report anything on my report so this must be removed ASAP. 

Violation of 15 usc 1681b ( a ) ( 2 ) -Permissible Purpose of consumer report as it states " In general subject to subsection ( c ), any any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

It is in fact that I am a consumer and did not give you any written permission to furnish these accounts on my consumer report.Which is my reasoning for you all to delete all accounts.

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 2022-06-15
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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, and Account # 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't furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: KBR INC DBA RASH CURTIS & ASSOCIATES

Complaint:
I did not authorize these companies to run my credit it is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
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:
XXXX is reporting incorrectly to XXXX and Transunion a collection in the amount of {$2700.00} on the XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account does not belong to me and should not be reporting on my credit report. This account belongs to my son. I have contacted XXXX and the representative that I spoke with assured me they would remove this account, however the account continues to be reported on my credit report. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.

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