hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-10-17
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/20XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Date : XX/XX/2021 Re : XXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, you have failed to verify that this is indeed my debt. 

I enclosed copies of my requests asking them to validate the debt. I was given no evidence of my obligation to pay this debt to this collection agency. This debt is not mine. 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter. 

Sincerely,

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 2020-09-04
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:
To Whom It May Concern : On XX/XX/XXXX, XXXX and TransUnion are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule For TRANSUNION 1. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 3. Validate Account XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft.I 've attached FTC report. Remove from my credit report 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 2021-07-26
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 — Problem with personal statement of dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES

Complaint:
Rash Curtis associates made a payment place with. Me about a bill I allowed them to take money out of my checking on the XXXX each month and the left a payment of XXXX dollars on and put it was seriously past due when they been taking out there payments which balance was XXXX bucks and I called them and submitted the last payment and the have not put out proper on times payments instead the deliberately put negative stuff on my report and when I made final payment on phone they ask me personal infor I refused to tell them and they put more stuff on my credit report which is damaging my score its unfair I made a payment plan with them and the did not take out the last payment XXXX bucks which I called on the phone and did it that way and I have all my statements

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
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:
My name is on these loans only because I was a co sign. They were not my loans. 
I never made the payments-not one. I want them removed from my credit report, because My credit score is falsely is reported. They say it is correctly reported but it is incorrect. They say my dispute is not specific-What does that mean? 
I want them removed. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX TXXXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, NC 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 2023-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affiliate Asset Solutions, LLC

Complaint:
I received a call in XXXX of XXXX, from XXXX XXXX XXXX, regarding this balance. I confirmed with my health insurance carrier [ XXXX ] at that time that the account was an error, and I had no financial liability. A month or so ago I received a XXXX from XXXX. 1 ) original service provider [ XXXX XXXX XXXX ], 2 ) XXXX [ XXXX  ], 3 ) current creditor [ Pendrick Capital Partners LLC ], 4 ) Current collection agency [ XXXX XXXX XXXX, and 5 ) Previous creditor, as listed on the validation letter [ XXXX XXXX XXXX ] The 1st is no longer involved and can not help. The second says Im not liable and they can step in to help. The third says XXXX will handle the dispute. The fourth, XXXX, says their client handles the dispute ( poor training? ) And the fifth pointed back to all the above mentioned businesses. XXXX rep said he didnt know anything about credit because he was new. He said he was pretty sure thee account would stay in a dispute for awhile and nothing would happen. I just found this has been repeated to credit, while in a dispute? I notified them of the dispute online, verbally, and in writing. On XX/XX/XXXX they confirmed they received the related EOB and would respond when their client got back to them. To date I have no idea what happened following that confirmation apart from being told this wont be reported. I was hesitant to seek counsel but now feel that or AG is my only option to correct this issue. The trade line alone is an FDCPA violation, not to mention false and misleading information, and failing to respond adequately and timely to a dispute. The erroneous account balance is not owed, due, or a valid debt in any way. The proof has been submitted. Why was it reported to credit while actively disputed and not validated? How will all of this be resolved? Who will take steps to confirm/deny/respond and what steps are those?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
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 made arrangements on this account XX/XX/XXXX and XX/XX/XXXX. During that time I was unemployed and there was a extensive waiting period for unemployment benefits. I was able to make payments with my income tax return and my stimulus check however with my unemployment still pending I fall behind on all my bills. 
I was in communication with XXXX XXXX. 
The late payments were reported to the credit bureaus. Per the CARES ACT if the borrower makes arrangements of any kind it is to continue to report the same prior to the delinquency. XXXX XXXX failed to report it correctly. And the credit bureaus have failed to comply to the cares act. 
XXXX XXXX Account Number : XXXX Late payments reporting XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX 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 2023-08-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.

Complaint:
I am disputing this debt because I know that the amount is wrong and the account with XXXX was closed on XX/XX/XXXX, XXXX. I started service with XXXX XXXX in XXXX of XXXX and had 2 years to pay off the new phones and before services could be cancelled. The phones were paid off in XX/XX/XXXX despite one of the lines not being in use for over a year because of a lost phone. I called XXXX to cancel my service in XXXX of XXXX and it was officially cancelled on the XXXX. I never received any type of communication from XXXX that any money was owed or a final bill notice. Towards the end of XX/XX/XXXX, I received a collection notice in the mail regarding this account. I called XXXX customer service several times and was unable to get any information or this issue resolved because I had forgotten my passcode for the account and was told I had to go to a store to get this resolved. I went to the store located in the XXXX outlets in XXXX, GA on XX/XX/XXXX and was assisted by an employee named XXXX XXXX. XXXX called up customer service and was on the phone for over an hour trying to get this resolved. There was a female customer service representative on the phone and said that no money was owed, and the issue was resolved. A few weeks later I received another collection notice, and the amount was higher. I called up convergent on XX/XX/XXXX and explained the situation. I was told by the male rep on the phone to call XXXX and that a rep would assist me over the phone. I called XXXX again several times and kept being told that no information could be discussed without the account passcode. I went back to the XXXX store in XXXX on XX/XX/XXXX and spoke with the XXXX named XXXX XXXX XXXX I came in distressed and left in more distress than when I arrived. The manager was rude and by his physical body language he clearly did not want to help me. He told me it was out of their control and not to worry about it. XXXX XXXX happened to be there this day and I asked her to explain what happened when I was there last month. So the manager finally agreed to call customer service. After doing his research per XXXX XXXX XXXX I was still being billed for the second phone line and that there was no evidence that any bills were sent to me or any type of notifications. Per XXXX XXXX XXXX since I had already transferred to another service to not worry about this issue. After this visit at the store I received a third collection notice. How can a cell phone company justify billing a customer after they close their account?

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 2021-04-21
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 contacted XXXX XXXX XXXX  XXXX by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX XXXX XXXX  XXXX and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.

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 2022-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX 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 an 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 2019-08-15
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 noticed several unauthorized inquiries on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.

Complaint:
On XX/XX/XXXX I called Best Buy Citi Credit Card to request help due to financial hardship due to COVID 19 lockdown. They agreed to remove the {$29.00} late fee for XXXX and not assess late fees moving forward for XXXX or XXXX. However, they did not remove the XXXX late fee and in addition they DID assess late fees in XXXX for {$40.00} and XXXX for {$40.00}. 
I called and explained the situation to both a representative in the COVID assistance department AND a supervisor and they would not remove the late fees retroactively. They only offered to take off one late payment and begin the " program '' moving forward. I again insisted that this was already in place and that I should not been charged late fees in XXXX and XXXX and I explained to them that I now have unemployment and can budget to begin making minimum payments. 

I am requesting a refund of {$29.00} late fee charged on XX/XX/14, {$40.00} charged on XX/XX/14 and {$40.00} charged on XX/XX/14 for a total of {$100.00} payment credited back to my account. 

Those struggling the most during the pandemic such as those possibly convalescing in a hospital would have not been able to make phone calls to credit card companies to enroll in an assistance program. This is outrageous. That we are in lock down and NY since XXXX is a verifiable fact that is known worldwide! There is no deception here. If they are truly offering help then they should actually assist customers instead of playing dirty games. They are scammers and liars and they are clearly trying to minimize the amount of help they give by refusing to give these credits that they promised. Please help!

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 2019-07-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
Hello, I have received 15+ calls from this company Portfolio Recovery Associates and have payment plan set up with them but they have been consistently harassing my  phone and calling nonstop from different numbers. I have had it and am tempted to change my number. Please remedy this as this company is causing a big disruption in my life. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report last XX/XX/XXXX. 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

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 2022-08-02
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX : XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Name : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Collecons : XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX Collecons : XXXX XXXXXXXX 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 2023-03-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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