hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-07-11
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 am a victim of identity theft since XX/XX/XXXX. Checking account and saving account was not impacted by this. Individual took out personal loan and opened bank credit card in my name. I have been alerted of multiple inquiries that individual has attempted to take out additional loans in my name.

I've taken all necessary actions best to my knowledge to have this resolved. I reported identity theft though the 3 credit bureaus, IdentityTheft.gov, ssa.gov, and my local police station. I froze my credit with the 3 bureaus, closed my bank accounts and created new. 

Here are details of the accounts opened fraudulently : XX/XX/XXXX Account Balance {$9100.00} Account Number XXXX Address XXXX XXXX XXXX, XXXX XXXX OH, XXXX Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed a fraud dispute on this account XX/XX/XXXX through XXXX. A dispute was filed through XXXX XXXX on XX/XX/XXXX. After investigation, XXXX concluded that I am not responsible for this dispute balance amount on XXXX XXXX. Complete and notified on XX/XX/XXXX. 


New Inquiry XX/XX/XXXX / New account XX/XX/XXXX Account Balance {$9600.00} Account number XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX Creditor Name XXXX XXXX XXXX XXXX  Industry Type Personal Loans Companies I filed a dispute through XXXX XXXX for this account XX/XX/XXXX with no update. I filed a second dispute through XXXX XXXX on XX/XX/XXXX that was submitted to TransUnion. on XX/XX/XXXX I received results that the dispute information was verified as accurate and Transunion did not change my information. This is the last and final dispute that has not been resolved. This account is significantly impacting my credit score negatively. 

I am XXXX XXXX XXXX and have never owned a credit card. The only loans I have are XXXX loans. I am recently XXXX and me and my husband are not able to purchase our first home because of this. In addition, I am unable to get my first credit card to improve my credit score since I do not qualify.

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 2022-05-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.

Complaint:
Re : CMRE Financial Services , IncXXXX Account # : XXXX and any other one of my accounts with CMRE. 

First, CMRE Financial Services , Inc. ( thereafter " CMRE '' ) has continuously violated my rights under the FDCA by illegally harassing me ( by calling me before XXXX XXXX  or after XXXX XXXX calling me during my work hours when I have repeatedly asked CMRE to stop doing so, making my phone ring for long periods of time ) and my family; and failing to respect my privacy.

CMRE alleges that I owe debt it wishes to collect. I have repeatedly requested that CMRE send me an itemized list of all such debt. CMRE has repeatedly refused to do, only sending me piecemeal documents that are impossible to reconcile and therefore completely misleading. I have repeatedly requested that CMRE send me a consolidated and itemized list of all debt CMRE alleges I owe so that I can verify that CMREs allegations are legitimate, valid and truthful. Without such list, it is impossible to verify CMRE 's allegations. CMREs billing is intentionally misleading, in violation of the Fair Debt Collection Act ( FDCA ). Furthermore, I have repeatedly informed CMRE that the hospital ( XXXX XXXX XXXX XXXX ) to whom CMRE alleges I owe debt has illegally billed me, by charging me prices ( e.g. for the visit of XX/XX/2019 ) that are unreasonably and unconscionably above the good faith estimate rate ( a hospital has the legal duty to not charge self-pay patients above the XXXX XXXX XXXX ). 

Instead, the hospital charged me the same rate it charged the insurance company of the party that I thought was responsible for the billing ( due to an automobile accident ) after said insurance company refused to cover said bill. I have also repeatedly informed CMRE that I was disputing bills from XXXX XXXX XXXX XXXX because at the time the services were rendered, XXXX XXXX XXXX XXXX informed me that a co-pay of {$75.00} for each rehabilitation session was the only and final cost I was to pay, regardless of insurance coverage. CMRE disregarded my dispute and reported my accounts to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been 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 non-monetary relief
Consumer complaint received 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC

Complaint:
XXXX XXXX is supposed to be removed it was paid and I was told years ago it would be removed. I attached a paid in full letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
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:
Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX XXXX and I feel very stressed out! because my credit reports are in accurate, please! I need these accounts to be removed to help me move forward with my life! 

XXXX XXXX : Account numberxxxxxxxx XXXX XXXX XXXX XXXX : Account numberxxxxx XXXX XXXX XXXX XXXX : Account numberxxxxx XXXXXXXX XXXX XXXX : Account numberxxxxxxxx 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 2017-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings

Complaint:
On the date of XX/XX/XXXX an account was opened in my name for a Speedy Cash account in the amount of {$900.00}. I joined the XXXX and left for XXXX XXXX XX/XX/XXXX. When checking my free annual credit report around XX/XX/XXXX, I noticed a collection from XXXX XXXX XXXX XXXX with SPEEDYCASH as the original creditor. After calling Speedy Cash about this matter, they told me that this account was in collections with a third party collection agency and that I needed to contact them for payment details. I kindly explained to Speedy Cash that this account was not opened by me, but they kept pushing the fact to call the collection agency and was done talking with me. XXXX XXXX XXXX XXXX did not help either, all they kept pushing was that I owed {$900.00} and how would I like to pay it. I explained to XXXX XXXX XXXX the same thing that I explained to Speedy Cash, I joined the XXXX and left for XXXX XXXX XX/XX/XXXX to XXXX XXXX, GA. where I remained for 2 months and 1 week. XXXX XXXX really blew that off and was still asking for payment. I have been disputing this collection for over 4 years now and I keep getting the same results which reads " Account information disputed by consumer, meets FCRA requirements ''. The last update was XX/XX/XXXX and this account is still open and hindering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY 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 explanation
Consumer complaint received 2023-03-20
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:
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. 

Account 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, 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 cannot furnish an account without my written instructions

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 or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
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: Experian Information Solutions Inc.

Complaint:
I contacted the credit bureaus in XXXX pertaining to inaccurate information reporting on my credit. It has been more than XXXX weeks and I have not received a response and the FCRA says they are required to respond in 30 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 explanation
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.

Complaint:
I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report. Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
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 XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX  XX/XX/XXXX XXXX XXXX | XXXX XXXX, XXXX XXXX  XXXX of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AL XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XX/XX/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 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.

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 2021-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I received a couple mailed notices and emails stating that they required a physical address to not have my account restricted. Today XX/XX/2021 I contact Capital One only to be xferred 5 times and told without them being able to get a copy of my drivers license they would not be able to update my address or phone number. I will not provide them with my drivers license as they already have all of my personal information. I was not able to use my card at the store as it declined due to me not giving them the physical address that they state is a requirement of the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account XXXX 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
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: SYNCHRONY FINANCIAL

Complaint:
I was charged for an XXXX XXXX membership on a yearly basis via my XXXX XXXX XXXX and also charged on a monthly basis via Synchrony Bank XXXX store card at {$14.00} per month for the same 2 year period. I have provided proof to Synchrony of the yearly charges and they refunded 1 year but have still not refunded the second year. I started my original dispute about XX/XX/2021 so it is now more than 90 days and they keep sending me emails that they are refunding the amount but nothing every happens for the second year.

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 monetary relief
Consumer complaint received 2020-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC

Complaint:
I was reported to the Aldous & Associates for collection of a debt for 2 gym membership accounts. The name of the gym is XXXX XXXX. On XX/XX/20 I went into the gym and spoke with the General Manager named XXXX and satisfied BOTH accounts. I also rejoined the gym and got a new membership. XXXX stated he was going to email Aldous & Associates the same day to inform them the accounts were satisfied. The next day I called Aldous & Associates and spoke to a very rude man who stated he was not going to remove these accounts and he does not care what the General Manager at the gym says. He said he made his final stance and will not change his mind and the accounts will remain on my credit reports until I pay them ( Aldous ) the FULL balance and hung up the phone in my face. I then called XXXX at the gym to inform him what was said to me about the accounts. He was shocked to hear this information because he said this has never happened. 

I don't know what to do at this point because Aldous & Associates are VERY rude and really needs to be closed down.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
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: Experian Information Solutions Inc.

Complaint:
I did not authorize these companies to run my credit

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 2018-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.

Complaint:
XXXX XXXX has acted in bad faith in violation of both California law as well as Federal law by illegally retaining my security deposit and deducting expenses without providing valid documentation. The debt Fair Collections and Outsourcing ( FCO ) is attempting to collect on their behalf, {$610.00}, is invalid. 

I sent the attached letter by certified mail to XXXX XXXX detailing that they were in violation of California law and had not provided me with any receipts detailing the deductions taken in compliance with their obligations as a landlord. I also explained that any further action taken to collect or retain my deposit would be considered as being taken in bad faith and that they would be liable for enhanced penalties, attorneys fees, and fines should further legal action become necessary. After XXXX XXXX received the letter on XX/XX/XXXX, they stopped responding and refused to send my security deposit refund as required. Several months later I was contacted by FCO and notified that this illegal and alleged debt owed by me had been referred to debt collection in bad faith, thereby placing them in violation of the FCRA. 

In addition to the issues stated above, I also dispute the charges listed as being patently untrue and blatant attempts at scheming more money out of their tenants. For instance, the move in sheet provided in the documentation sent by FCO clearly states that the apartment was in an unclean condition at the time of move in, XX/XX/XXXX. This sheet was signed by XXXX XXXX acknowledging the condition at the time. Therefore, as required by California law, I am required to return the apartment in the same condition received, minus any normal wear and tear. The carpets were in great condition as evidenced by the move out inspection conducted by XXXX ( head maintenance employee ) as well as the apartment in general. As for any stains or damage to the oven range and the refrigerator, the maintenance records retained by XXXX XXXX, which they refuse to provide, clearly show that these units were old replacement units brought in mid-way through my tenancy since the original units were broken. These units came with stains and damage already on them and this was acknowledged by both XXXX and XXXX, employees of XXXX XXXX. Lastly, the bill for XXXX is incorrect and should not have been deducted from my security deposit.

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 2020-05-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any results.

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 2021-11-12
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:
This is XXXX XXXX XXXX XXXX is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX -XXXX-Balance {$1400.00} XXXX XXXX-XXXX-Balance {$1200.00}

Company response to consumer: Closed with explanation