hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-11-06
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:
Please note, this is not a duplicate complaint, I'm sending this complaint because Experian turned me down with my dispute an error on my report. I had to do my own investigation and provide new evidence to this matter. So, XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcy to the credit bureaus and I got a letter responded on XX/XX/2021, stating : They DO NOT REPORT any bankruptcies to anybody So If this the case. How did the credit bureaus verify my bankruptcy as XXXXXXXX XXXX Accurate?? They never did a fair investigation according to the 15 USC 1681. The clerk of courthouse pulled up the record by my social security number and name and address and no result. Please see attached with this complaint.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

According to : 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 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 non-monetary relief
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION

Complaint:
I was a victim of identity theft and noticed a collection from CENTRAL FINANCIAL CONTROL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CENTRAL FINANCIAL CONTROL instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MTR XXXX XXXX XXXX XXXX XXXXXX/XX/2021

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 2018-04-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.

Complaint:
On XX/XX/XXXX, I utilized my debit card for several purchases. At the beginning of the day I had {$180.00} in my account of available funds. On XX/XX/XXXX, I utilized {$180.00} in funds which did take me to a negative balance of $ XXXX which I agree to 1 overdraft fee in this case. However, I also had a chiropracter appointment which was sitting in my pending withdraws for {$40.00} which still has not posted today on the XX/XX/XXXX. Because the account is holding those funds they are also overdrafting me for another {$36.00} for a charge that is not posted yet. On top of this, my direct deposit is pending as well for over {$1500.00} between both of my accounts. I do not see how a bank can charge me for an additional overdraft fee when their system has the withdraw still pending and not posted to the account yet. This seem like a scam to get easy money from clients. I tried calling the bank to work this out but because of a dispute earlier in the year which caused due to an unauthorized withdraw which the investigation was in my favor and two other refunds within a 12 month rolling period due to the same situation I am facing today, they will not refund any further funds. Again if the funds are pending withdraw but not posted, how can a bank charge me for this when a deposit is also pending for the same day. I agree to one overdraft charge but not two of them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-09
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: EQUIFAX, INC.

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Management Control, Inc.

Complaint:
This debt was placed on my credit out of nowhere one day. I submitted a complaint about it being connected with identity theft, they told me it would not be acknowledged until I sent the proper paperwork. I sent them a copy of the old police report request as well as a new request which shows the apartment this electric account is connected to resulted from identity theft. They still have not removed this account even after receipt of necessary paperwork from the detective that worked my case. By law if identity theft is involved and recorded they have to remove it after receipt of proper paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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:
This company has been furnishing deceptive and incorrect address, that are being advertised. On XX/XX/2022 I sent a letter to the company, and it was sent back to me saying the address was incorrect when they clearly advertise this address on their website and 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 2019-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I have sent affidavit and identity theft police report to each credit bureaus and nothing has been done. The balance for this account is {$1700.00}. The last time I sent the documents via certified mail was XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22
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 reached out to the bureaus explained to them by law the had to ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. 
I was a victim of identity theft since XXXX I tried to get them to do their job .I sent in ftcs, asked them to investigate the accounts and blocked them the refused too, they have addresses that don't belong to me on my report, jobs, names and etc .I sent the companies letters too over the course of 2-4 months with no reply. ive called spoke to reps asked them to please fix this, I got XXXX  with XXXX  so I stopped for a lil while than my grandmother XXXX  due to the XXXX  and I couldn't even get a loan to help cover the funeral expenses because the bureaus refuse to do their job.I explained to them how things happened In my life that could've lead to this, I put it in ftc report like I was told to do by someone when I called, I was robbed walking home from work some time ago, I had all my personal items in there I didn't know I was supposed to check my credit I pulled my credit to get a loan to bury my dad that's when I learned of a these fraud accounts on my credit report .I didn't open these accounts or give anyone permission too .i explained that one of my first cousins and I have the same name I haven't seen her in years and we both stayed at the family house we grew up together in .they had a person name XXXX XXXX and all type of bad information on my credit profile .I asked for them to send me what they have from companies saying these accounts are mine because theyre not. please help me /.I am in a crisis lost my job, lost my grandmother and these people have me on the edge I will be looking into getting an attorney to sue I am emotionally distressed this is wrong .Equifax is the worst they don't even budge to try to follow the law.can u please have them send me what they used to determine these accounts was mine because their lying their fraudulent this has cost me so much stress

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
they called my daughter and told her about debt. this debt past statue of limitations if it mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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:
XXXX and XXXX XXXX XXXX XXXX has failed to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account # XXXX was deleted from XXXX on XX/XX/2022 and then reinserted on the credit report on XXXX XXXX which violates FCRA 15 usc 1681i - reinsertion after deleted materials.

( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
This also violates FCRA 15 usc 1681 ( b ) once the account was deleted from my file, the information may NOT be reinserted in the file unless it was certified complete and accurate, which is not due to the many inaccuracies of the verified date, date reported, date opened and last payments.

Lastly, it violates FCRA 15 USC 1681 ( ii ) Notice to consumer. 
If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I was never notified of the reinsertion in writing within 5 business days of the reinsertion and I never authorized this to take place. I have contacted the Attorney General 's Office, XXXX  and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I am demanding that this debt be entirely removed from all three credit bureaus or I will be seeking statutory damages as XXXX willfully violated its obligations under the FCRA.

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 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY

Complaint:
My mortgage with Wells Fargo was in forbearance & though they were not reporting late they kept upping the past due amount every month so my loan showed I owed more than the original loan & has tanked my credit. I spoke to them in XX/XX/XXXX about it & XX/XX/XXXX again & they said they would bring it to the attention of the department responsible. Spoke with them again XX/XX/XXXX & they said they were allowed to report the overdue amount in the balance as long as they dont say payments were late. They also showed that my account was in forbearance on all my credit reports. Credit companies said they could do nothing or change any of that reporting. This in turn has completely messed my credit report up & Ive ended up with reduced credit lines & higher interest rates. The reason showing is my loans are too high balances compared to the original amount & theyre over the limit amount. This is the ONLY problem on my accounts! Not to mention other problems Im having w Wells Fargo holding my sons CD hostage during Covid. Now instead of modifying my mortgage to a lower rate/payment they have put me in a trial 3 month payment for {$200.00}. Less than the original mortgage amount but have told me nothing about what they will be doing with my mortgage & if I will have a lower interest rate & payment after or IF they will be modifying at all! I am XXXX & need help desperately!

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 2021-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I was checking my credit reports and noticed an unauthorized account and inquiries furnished on my credit report. XXXX XXXXXXXX account opened XX/XX/XXXX ending in XXXX should be removed from my credit report. Inquiries from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX should be removed from my credit report. I did not consent to, authorize nor benefit from this account or any of these inquiries.. Block and remove this account and inquiries. I have filed a FTC Identity Theft report which is attached. If I received goods or services please have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of this transaction.

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 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK

Complaint:
Im in the XXXX as an XXXX, got to my first XXXX XXXX and started to buy essential items for general living. The credit card company let me go over my limit by around {$300.00} and didnt contact me whatsoever and now I am struggling to pay off the credit card and also maintain my well being and buy essential items such as food, clothes, and military gear.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.

Complaint:
CAINE & Weiner at XXXX XXXX XXXX XXXX XXXX CA XXXX has been sending me collection notices in the amount of {$910.00} the collected has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
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:
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 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/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 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. This is willful disregard of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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 an a natural person, I am a living human being, I have rights under 15 U.S.C 1681 Equifax is govern by 15 U.S.C 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 U.S.C 1681 : I have the right to privacy and I did not give Equifax written permission to furnish theses accounts XXXX Card Services XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation