hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-08-15
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-10-05
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.

Complaint:
This debt collector keep calling my home phone. When my dad or my mom picking up the phone they hung up. They were bothering my parent resting. Also, they keep calling my cellphone in the morning, afternoon, and in the evening past XXXX XXXX. I spoke with them before on the phone, they 're aggressive and had an attitude at me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Experian failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the timedeclared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non- compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX, XXXX XXXX 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 2022-03-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC

Complaint:
I mailed a debit validation letter via certified mail with return receipt, to Westlake Financial on XX/XX/2022, for complete accuracy and any billing errors. I have have the right to request and receive validation of the debt according to FDCPA.

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 2023-07-09
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:
addresses and personal information on my credit profile is not accurate or correct

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 2023-06-14
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:
In accordance with the Fair Credit Reporting act XXXX 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 not furnish a account without my written instructions. The following Accounts : Original Creditor : XXXX Debt holder : XXXX XXXX XXXX XXXX : {$1300.00}

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 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 Balance : {$1000.00} XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXX XXXXXXXX Balance XXXX {$34000.00} XXXX XXXX Balance : {$950.00} XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$33000.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX Balance : {$8000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$34000.00}

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 2022-02-25
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2018-05-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.

Complaint:
They want to charge two people for same amount and its not the right amount because they are overcharged us. We had never been served. We dont own that amount of money. {$4800.00} total {$9000.00} on XX/XX/2016. XXXXXXXX XXXX is taking care of it. The company name is XXXX at the links but the collection company now is Fair Collection outstanding 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 2019-07-25
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:
My XXXX XXXXXXXX XXXX credit card was closed and charged off as bad debt in XX/XX/2017. However, Experian continues to allow XXXX XXXX  XXXX to inaccurately report the account as an open, revolving account WHICH IS NOT THE CASE. As a result, I have a TON of 90-day late payments reporting each month on my Experian credit report despite several attempts to have both Experian and XXXX  XXXX XXXX correct it. I am kindly requesting that they PLEASE show this account as closed and remove the derogatory 90-day late payments dating back to XX/XX/2017 immediately! I have enclosed a side-by-side of Experian and XXXX  's reporting as a point-of-reference and benchmark for you ; XXXX shows that the account is indeed closed and no late payments post chargeoff. Please help me by having Experian remove the late payments and report the account status correctly because closed accounts should not be able to continuously report new, negative information on my reports. This is hurting my credit tremendously as I'm sure you can imagine. 

Per the FCRA, Experian AND XXXX XXXXXXXX XXXX are responsible for correcting inaccurate credit reporting and this has been going on for far too long. I've disputed this directly with XXXX XXXX  XXXX and Experian and they've done nothing to rectify the situation.

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 2020-08-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.

Complaint:
On XX/XX/XXXX, after a direct deposit of approximately {$580.00}, I had approximately {$580.00} in my Chase checking account ending in XXXX. On XX/XX/XXXX I paid the approximately {$370.00} minimum payment on my Chase Freedom credit card online via my checking account. After processing the minimum payment, Chase on the same day ( XX/XX/XXXX ) held {$150.00} in funds and deducted a {$75.00} legal processing fee bringing the account balance to {$0.00}. When I reached out to Chase, I received a copy of a levy notice that I had been unaware of. The levy expires in XX/XX/XXXX according to the notice allegedly from the Court, but in Chase 's system it fraudulently shows as expiring in XXXX. In addition, the Court Officer XXXX XXXX filed a fraudulent certification for this levy, but more importantly no money was to be taken from my account due to the NJ statute listed below which exempts the first {$1000.00}. Since I maintained less than {$1000.00} no money was to be held from my account. In addition, I submitted a request in writing to Chase to request the money they are holding and the related fee be returned. I also asked to close the checking account since I am no longer able to meet the requirements to avoid a monthly service fee of {$12.00}, but Chase 's Customer Service said they were unable to assist with these requests. XXXX. Amount ; exceptions Goods and chattels, shares of stock or interests in any corporation and personal property of every kind, not exceeding in value, exclusive of wearing apparel, {$1000.00}, and all wearing apparel, the property of a debtor shall be reserved, both before and after his death, for his use or that of his family or his estate, and shall not be liable to be seized or taken by virtue of any execution or civil process whatever, issued out of any court of this State. Nothing herein contained shall be deemed or held to protect from sale under execution or other process any goods, chattels or property, for the purchase whereof the debt or demand for which the judgment on which such execution or process was issued, shall have been contracted, or to apply to process issued for the collection of taxes or assessments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09
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:
Credit reporting agency violated privacy of fcra by reporting relationship with creditor. credit reporting agency published payment history for open ended consumer credit plan. 15 u.s.c 1681 section 602 A. States I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without written instructions 15 u.s.c 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The following accounts are noted as violation ( s ) 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 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.

Complaint:
Experian has played games since before XXXX and now I am to the point where this has to stop. You send me a notification to go look at the results of an investigation and it says not available online, then call this number which is strictly a choice of ordering your credit report or asking about a fraud alert. 

Well, I am done spending hours upon hours trying to get an agent as it's just a game with them. 

At this point I am notifying Experian that I will not attempt to call their number again, nor attempt to pull up results that only direct you to a number, They need to call me directly in less than the 15 days they know that the CFPB gives them to act. 

If I do not hear from them at my phone number supplies, I will assume they are denying me access and forward the information to the authorities. 

This is now pure harassment and abuse on their part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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 have sent letters regarding fraudulent information in my report, but I did not receive any response. It is my right to dispute something inaccurate and also to receive response from what I sent. They have violated my rights because it has been XXXX days.

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 2022-08-13
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XX/XX/2019 Balance {$2800.00} XXXX XXXX XXXX Date Opened XX/XX/XXXXBalance {$880.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4400.00}

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 2022-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint:
USAA has prevented myself from accessing the funds in my account, and have failed to notify me of account changes and account actions they have taken without my consent. 

For multiple weeks now, my debit card has not worked. My debit card is set up for auto pay on almost every single bill I pay every month, including car insurance, phone bill, server bills, business fees, etc. 

At no point did USAA notify me of any issue with my account, either through phone call, email, or any form of correspondence or notification through the USAA mobile application. 

This has completely eliminated my access to my funds. I am unable to use any of my funds or pay any of my bills, and have had to directly transfer all of my bills to different routing. This has not only cost me a lot of time and suffering, it has caused a severe financial burden. 

Because nobody from USAA would call me or email me, I decided to email the CEO of USAA directly - XXXX. I received a call from an agent today, who advised that my debit card is not locked out, but has only been suspended because the pin number was input incorrectly too many times. Again, at no point did this entire corporation notify me of this through any form of communication. Not only is this a severe issue because of the lack of access to my funds, this could have been a possible breach of security. 

A pin number being input incorrectly too many times is a clear indicator of fraudulent activity. Had this been the case, USAA wouldve allowed somebody to continuously commit fraud without notifying me of any issues whatsoever - A blatant and direct violation of federal law, and the agreement I signed when I created the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
AGAIN, XXXX XXXX XXXX XXXX just labeled the following complaint as duplicate -- -- -- -- -- " How can every complaint and request sent to XXXX XXXX Auto Finance be labeled " duplicate '' when not one request or complaint has yet to be answered? I want XXXX XXXX XXXX XXXX to explain. XXXX  XXXX XXXX XXXX can call me and explain their position instead of just ignoring and playing games labeling all complaints are duplicates. I want XXXX XXXX XXXX XXXX, Transunion, and XXXX to explain why every complaint and request sent to XXXX XXXX XXXX XXXX is labeled " duplicate '' when they have yet to answer one. '' Amazing!!! XXXX XXXX XXXX XXXX is making a mockery of America Laws and government. In addition to labeling everything as " duplicate '', they have yet to send copy of the dated credit report that will prove they did not have permissible purpose to pull my credit in 2017 that led to a fraudulent auto loan.

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 2017-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.

Complaint:
I had a collection placed on my credit report by Diversified Consultants, XXXX. XXXX XXXX, XXXX, FL XXXX, phone ( XXXX ) XXXX. The collection is for {$43.00} on an account that does not belong to me that was apparently originated by XXXX for an unpaid cable television bill. I called and told Diversified that it was not my account and they said I would have to call XXXX. I called XXXX and they said I would have to get a police report and report it as identity theft. I cant make a police report if it is purely a XXXX mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
i see there is a XXXX  XXXX credit card opened on XX/XX/2019 and closed later the following year while leaving a balance and late payments i am unaware of this account and asked that it be verified it has been while over 90 days still no response OTDA REPORTING AS A CHARGE OFF

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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 appreciate your assistance in removing some of the fraudulently obtained data from my credit report, but there is still information that has been passed along that has to be deleted or blocked. Credit Bureaus are required to delete any records listed on an ID THEFT REPORT in accordance with FCRA segment XXXX of the law. I am including this report again because I proactively remembered it from a previous correspondence. My attorney is eager to hold you accountable for your obstinate rebelliousness now that they are aware of my intentions and what I intend to accomplish. 
XXXX XXXX ; XXXX XXXX XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX AV XXXX XXXX, NY XXXX ; XXXX XXXX  XXXX XXXX Balance XXXX {$610.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX  XXXX Balance : {$33000.00} ; XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX  XXXX Balance : {$8700.00} 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