hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-05-01
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,

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 2023-05-18
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 inquiry does not belong to me and is inaccurate. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX did not authorize my consent to pull my credit profile.These inquiries are fraudulent i I would like them removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
THIS ACCOUNT HAS VIOLATED MY RIGHTS ; ( XXXX XXXX XXXX ) 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2018-04-01
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 a certified letter to TransUnion, XXXX, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX   and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which TransUnion, XXXX, and XXXX  failed to do.

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 2022-03-22
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC

Complaint:
I made a payment on XX/XX/XXXX of this year to westlake financial, and they subtracted the same amount on the XXXX of the same month as there was a scheduled payment when I do not have a self-payment or scheduled payments with them, I have called them since that day to return the money and it was not like that, I even told them they will take it as payment for the month of XXXX and they have not done it and they are charging me daily default interest for course delay, they do not want to solve this situation and that brought me consequences with rent payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
Equifax continues to ignore my multiple disputes and violation of FCRA and consumer laws.Equifax has added more inaccurate and incorrect information for which I am also asking to be removed. This has the correct attachments do not close this one as duplicate. You can close previous one as duplicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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:
Please see the attached identity theft report. Please also delete the credit inquires not currently tied to any open 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 non-monetary relief
Consumer complaint received 2020-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity Properties Inc.

Complaint:
Fidelity National Collections repeatedly calls asking for {$120.00}? for a XXXX XXXX XXXX Doctors office visit that was cancelled ( By the XXXX office  ). So there was no visit missed. The XXXX office erroneously billed for this visit and I refused to pay for a visit that was cancelled by them. Now this collection co keeps calling. I have asked them to stop calling. They keep calling. Thanks for any help you can give. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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 have been telling XXXX that people are running my credit without being authorized. They do nothing to stop it send me generic response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BARCLAYS BANK DELAWARE

Complaint:
I had a credit card with Barclays and now the debt is owned by XXXX XXXX from what I am told. The original amount of the credit card was XXXX in which has been charged off by Barclays and XXXX XXXX it trying to collect over 1700 from me who is a student and do n't have alot of money. I received a lawsuit paper from XXXX and XXXX who has not been negotiable with the debt, I have tried several times to offer them half of the XXXX which I do n't understand why I would have to pay more than what I owed and they refused and want me to pay XXXX. I have agreed to making XXXX payments a month for now, but want to just get rid of this and make the original offer of XXXX which would be less now. I need for you to help me in this matter and collection agencies are relentless and now have a lawsuit pending in which is on hold for now since I made a payment arrangemtent.

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 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.

Complaint:
I have a Chase Sapphire preferred credit the total balance was {$12000.00}. Last year in XX/XX/XXXX was very sick i have to go abroad to take care my self because the hospital bill in USA are too expensive. I don't pay my credit for XXXX months because. I call Chase costumer service they tell me my credit is closed. I can not use it anymore. So my balance was {$12000.00}. Since then I pay XX/XX/XXXX XXXX I Pay : {$1500.00} XXXX I pay : {$400.00} XX/XX/XXXX I pay : {$350.00} XX/XX/XXXX I pay : {$400.00} XX/XX/XXXX I pay : XXXX My Total balance was : {$12000.00} So all my payments maid was total : {$2900.00} I see my balance is : {$11000.00} This is mean : Chase take the principaXXXX is only : XXXX And the interest is : {$1900.00} More than 100/ 100. It's why I file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelson Cruz & Associates LLC

Complaint:
I received notification from my automated credit report monitoring platforms. The original creditor is XXXX, my account was sent to a debt collection agency XXXX  to me because I never received a debt validation letter. The amount of {$1900.00} is completely inaccurate but aside from this I was not allow due process to dispute this account or amount. It is in violation of Federal Laws and would like this information removed and me being allowed due process.. These companies should not be allowed to ruin someones credit because they can..

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 2021-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2018-08-23
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:
XXXX has been non-compliant with removing the unverified account KOHLS/CAPITAL ONE XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that KOHLS/CAPITAL ONE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
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:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX  Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
Removal inaccurate information from my personal information. I have tried three times ( too remove inaccurate employee information and its stated on the the credit file removal occupational ( this is such unethical on their part when I took the time to write and email to remove the inaccurate employment information. To just delete the information thats inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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:
This student loans are fraud. I never have had student loans nor been a co-signer for anyone. I see they are reporting as closed and with a debt, reporting as collection. I am demanding for validation on these accounts as well as they need to be removed from all credit bureaus immediately. XXXX, Equifax and XXXX. 
US DEPT OF EDUCATION XXXX XXXX XXXX XXXXXXXX XXXX XXXX ______________________ DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Name is also reporting wrong XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX _______________________ I am asking that the credit bureaus correct all this information __________________________ Non authorized inquiries XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 'S XXXX Inquiry XXXX XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: LD Holdings Group, LLC

Complaint:
Loan Depot was my mortgage provider. I had my payments set up on auto pay through my bank. Loan Depot informed me that I did not make my XX/XX/2022 payment, however, the funds were showing they were removed from my account. I was is in constant contact with Loan Depot including sending them multiple emails documenting the removal of funds. Apparently they failed to cash the check and the funds were restored to my account. I sent them the payment that day through an automated draft directly from my account. Loan depot then proceeded to report a late mortgage payment to my credit report. I have never missed a mortgage payment in my life. I rarely spoke to the same person twice and the customer service was horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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: All State Credit Bureau, Inc.

Complaint:
I began to work on my credit in XXXX and noticed that Allstate Credit Bureau was reporting an account from a previous lease at XXXX XXXX XXXX in XXXX, Michigan. I moved out and after a shooting occurred that caused damage to my apartment. I requested that the repairs to the property be made directly after this incident. It took the property management nearly XXXX months after the incident to make repairs. This did not happen until nearly XXXX of XXXX. At that time due to personal safety, health, and mental health concerns, I left the property and gave notification in XXXX. I allowed an appropriate time for resolution and repairs. Because the property management failed to provide a " safe '' and " inhabitable '' living space, I gave written notice of my wish to terminate my lease. It was only AFTER I submitted this written request that repairs were performed 3 days later. 

Their failure to make the space " safe '' after a shooting, as well as " inhabitable '' after the shooting in a timely manner is a CLEAR violation of the Michigan XXXX and XXXX Rights. Because of this violation, I demand that my previous lease be broken without any financial and/or credit worthiness penalty to me. And removed from ALL CREDIT REPORTING AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL

Complaint:
I get 1-2 phone calls a day about an alleged debt I owe. I contacted them and informed them that they can not call me more than 7 times within 7 days. They continue calling even while apologizing over calling so many times

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC

Complaint:
After submitting a police report showing clearly that the account was not mine and my information was compromised on the dark web, they reinserted the exact same negative information on my credit report cause me problem with my personal life and business expansion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
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:
Released my personal information, which Equifax had no personal permission to collect, released to " hackers '' along with 143 million other people. Then Equifax refuses to give me XXXX because they ca n't verify my info. Called a representative on X/XX/17.was told to callXXXX, but after several attempts throughout the all I got was a busy signal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I believe I reported this to your bureau already and they initially said the time wasn't completed to allow them to complete investigation and the date kept changing citing new inquiry just like I expect the date to change again and it's been over a year. I allege they are not investigating this dispute they are manipulating the dates. I want them to stop as I was kept from opening a new dispute for another company because this dispute from XX/XX/XXXX. If this adversely affects my credit report they have impacted my report and if this would have affected my positively they have adversely affected my report, I believe they are in violation ( In addition, specifically under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty will increase from {$3500.00} to $ 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 explanation