hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-06-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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 explanation
Consumer complaint received 2020-03-17
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2500.00} US DEPT ED XXXX {$3500.00} XXXX XXXX {$3500.00} DEPTEDXXXX  XXXX {$2700.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX/XXXX   XXXX {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc

Complaint:
There is a Company claiming that I owe money to there company which is XXXX XXXX and I rented a house with them in XXXX I lived there for a little less than a year almost a year however I was on Housing With The Public Housing Authority in XXXX XXXX Tx and I had a ex who was XXXX  and family XXXX was involved in the past and he kept threatening me so I had to break my lease early. It was a emergency move and was approved through the housing. However the real estate company was upset and falsely claimed that I left the property damaged and dirty which was a lie cause at the time I took pictures and showed my caseworker XXXX XXXX XXXX who was shocked that they would lie about that. You could call her and confirm it with her and she will tell you. However if this happened in XXXX why are they bearly filing and why does is have a different date on the credit report. I havent lived there in over 2 years and I dont understand why they are accusing me of XXXX them {$6100.00} which is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.

Complaint:
I submitted an earlier CFPB complaint XXXX related to this company. In that complaint, this company said it would put this debt on hold and verify information with the creditor, and then the complaint was closed as problem not addressed. Today, again I received another text message from this company and harassed me on the debt that i do not owe. It say This is XXXX XXXX XXXX  ( a debt collector ) regarding XXXX XXXX. We provide self-service XXXX Reference file # XXXX. To opt out, reply STOP. 
my complaint is, this company never verified my information before sending the collection letter to an address thats no associated with XXXX 2nd, it says it would put the debt on hold yet it never did and lied in its response to CFPB complaint XXXX. XXXX, it keeps harassing me with the debt and resumed the debt collection practice after CfPB closed the previous complaint. Please do something and ditch those bad collection agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
*PLEASE NOTE I OPENED 3 COMPLAINTS FOR THIS SAME THING ON XX/XX/2021 : # XXXX ; XXXX ; XXXX ; AND THE COMPLAINTS WERE CLOSED BECAUSE THE LETTER STATED S-OME OF THE INFORMATION PROVIDED SUGGUEST S THAT SOMEONE OTHER THAN MYSELF SUBMITTED THE COMPLAINT. I WOULD APPRECIATE IT THIS COMPLAINT WAS TAKEN SERIOUSLY! I HAVE TO NOW START ANOTHER COMPLAINT WHICH RE-STARTS THE CLOCK FOR THIS TO BE TAKEN CARE OF! XXXX On XX/XX/2021 I sent a letter to this credit reporting agency to have items removed from my credit report along with the list of laws that they violated. 
According to 16 USC 1681 ( a ) ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from a credit report. And by definition according to Truth In Lending, Section 15 USC 1602 ( l ), The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.. By the Legal descriptions and and definitions, the items listed below should not be on my credit report. These accounts you have put on my report has ruined my reputation, and according to 15 USC 1692d ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person puts you in violation of the law. I demand this account be deleted immediately or I have to file litigation due to the stress and impact to my reputation I feel that these accounts are negatively affecting my credit report and costing me thousands of dollars in interest every year, this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP. I will not wait another 40 days to receive no response because clearly I am being ignored. I demand these accounts be deleted immediately or I will file for litigation. FCRA 611 ( 15 U.S.C. 1681I ) it clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report it has been over 40 days so they should be deleted promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I have a loan withBANKAMERICA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both TransUnion and BANKAMERICA with no successful resolution. XXXXn only reporting me late. There was definitely an error on their part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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 in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2022-11-14
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: BMO HARRIS BANK NATIONAL ASSOCIATION

Complaint:
It is a credit card through my bank. THey lost several deposits which took over a month to research and post. in the mean time they are increasing late and over the limit fees as a result. 
MY complaint is that I have spoken to them and they call me daily sometimes twice. 

THis seems like abuse.

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 2021-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.

Complaint:
They have 14 different alleged accounts listed on my credit reports Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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 Everything has to be 100 % accurate on my credit report. The credit bureaus reported back to after my initial complaint back in XX/XX/2023 that my account was properly investigated and reported accurate, which is impossible because as of my most recent credit report XXXX XXXX account # XXXX The Amount that I owe is report inaccurately The Date opened are all reported inaccurately by XXXX XXXX XXXX , & Equifax XXXX 
The No. of months ( terms ) are reported inaccurately by XXXX, XXXX, & Equifax. 
The High Credit is reported inaccurately by XXXX, XXXX, & Equifax. 
The Last reported is reported inaccurately by XXXX, XXXX, & Equifax. 
The Date last active is reported inaccurately by XXXX, XXXX, & Equifax. 
The Date of last payment is reported inaccurately by XXXX, XXXX, & Equifax. 
Equifax reported OK on time payments from XXXX XXXX XXXX but XXXX reported XXXX XXXX XXXXXXXX for Charge-off from XXXX XXXX XXXX 

I reported this to XXXX, Equifax, and XXXX in XXXX of XXXX  about the violation of 15 U.S.C 1681 section 602 ( A ), 15 U.S.C 1681 Section 604 ( A ) Section 2.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( ii ) delete that item of information. 

Ive already contacted XXXX XXXX  multiple times and they told me to contact the credit bureau as it is the credit bureau that has violated my rights as a consumer, these inaccurate reports did nothing but hurt me financially with my credit score and the business I have going on, I tried to rectify the issue over 90 days ago to have the information corrected and nothing was corrected but my address and a few other miscellaneous things on the report but nothing from this XXXX issue and over 90 days is unacceptable this is grounds for a lawsuit against the credit bureau Im making last effort to request the credit bureau now remove the account associated with my name as I have contacted to XXXX company and they said if the account is going to be removed it has to be done by the credit bureau because my credit report accuracy issue is with the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: IQOR US INC

Complaint:
On XXXX/XXXX/2015 I received a letter from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. The letter claimed that I owed XXXX on a storage unit. I have never obtained a storage unit from this company. I called their number XXXX three times during business hours. No one answered. I left XXXX separate messages. I never received a response. On XXXX/XXXX/2015 I received a letter from a collection agency Allied Interstate. I am now in the process of disputing this charge with the collection agency. I am completely without fault. Yet, I now have to spend my time disputing these charges because XXXX XXXX has failed to do their job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX, Account # XXXX and XXXX Bank, 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 explanation
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
My name is XXXX XXXX an I'm submitting this complaint for myself an there is no third party involved. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this charge. I ask that the false charges be deleted to correct my credit profile. I reported the theft to the Federal Trade Commission and I also have enclsed copies of the Federal Trade Commission Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis

Complaint:
This company continues to contact me for a debt that i do not owe. I have physical proof that i did not live at the address they are trying to associate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.

Complaint:
Chase bank put my bank accounts on deposit only status an is not giving me any information about why an when I will receive my funds left in the account. This has been since XXXX XXXX per their deposit agreement this is unacceptable please in accordance with all applicable regulations regarding this matter please contact the bank and let them contact me or provide me with written instructions to resolve this matter please I dont have any levies or liens against me or my company associated with the IRS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
Hello, On XX/XX/2021, I contacted XXXX XXXX to cancel my internet service due to selling my home. I was asked if I would like to suspend my service, and I declined. I asked for the final amount that I owed. A bank draft was issued for XXXX. As far as XXXX was concerned, I was done. I received a collection letter from XXXX late XX/XX/2021, and immediately paid XXXX. I also filed a dispute with each credit reporting agency ; XXXX, Equifax, and XXXX. XXXX deleted derogatory from XXXX, but not Equifax and XXXX. I have confirmation of XXXX noting Deleted. After I closed on my home XX/XX/2021, I also closed on a lot to build a smaller house. I applied for a Contruction/Permanent One Time Closing Mortgage and was approved. Hired a Contractor, Had an Environmental Company do research on the lot and apply for XXXX and XXXX permits to build on the lot. This cost {$21000.00}. ( It has taken 12 months to get my permits ) During this time, not knowing it would take this long, I have spent 12 months in a friend 's guest bedroom with 3 small dogs ) At the time, I worked at XXXX 's as their Electrical Engineer, and was able to buy XXXX worth of construction materials at cost, knowing that supplies would be shaky in the future. So, I have XXXX in the lot, plus Environmental/Permits Costs XXXX and construction materials for a total of XXXX. At 71 and having Excellent credit all my life, the collection report, has brought my life to a complete halt. I have worked on this problem since first filing a dispute in XXXX of 2021, and most recently the last 6 weeks with XXXX and XXXX and the credit agencies. I am at a loss as to how this can happen and can not be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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:
Privacy and Confidentially under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 15 U.S.C. 1681 602 A. States I have the right to privacy. 

15 U.S.C. 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without mt written instruction.

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 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

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