hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-06-29
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 recently received communication from XXXX, Equifax and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Equifax and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Equifax and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No XXXX, Equifax and XXXX never responded! 

Further More XXXX, Equifax and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that XXXX, Equifax and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Equifax and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XXXX XXXX XXXX. Cease reporting this debt immediately or face legal action. XXXX, Equifax and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 
XXXX XXXX XXXX  XXXX {$650.00} XXXX XXXX {$590.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$390.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Fraudulent Opened Account Under 15 U.S. Code 1681c2 you are in violation for reporting a fraudulent account on my credit report. I demand this account to be removed within 4 days of receipt of this letter.

Under 15 U.S. Code 1681s2 you are in violation of Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute. You failed to 100 % investigate this fraudulent account because I contacted the furnisher about fraudulent opened account, and they stated my information doesnt match which is identity theft and they do not participate in providing dispute notice to credit reporting agencies. If you believe this is false I demand you send me a complete investigation report from the furnisher directly with their letterhead on it showing the method of verification. 
I demand these items be removed from reporting on my credit report immediately. I also demand a credit report showing the removal within 30 days after removal. 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3700.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, and XXXX BANK XXXX Date Opened XX/XX/XXXX Balance {$21000.00}.

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 2021-04-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Wilber and Associates, P.C.

Complaint:
To whom it may concern : I received a notice from XXXX XXXX XXXX saying that on XXXX XXXX, XXXX, their client alleged that while I was leaving a parallel parking space on a XXXX XXXX, I backed into their vehicle and fled the scene. XXXX alleged that their client took their vehicle to the claims adjuster and they adjudicated the claim in the amount of {$130.00}. 

When I called to inquire about the allegation, XXXX claimed that their client had a video of the alleged incident. In complete disbelieve that XXXX alleged that my vehicle caused {$130.00} worth of damage to their clients vehicle, I requested, in good faith, to view or receive a copy of the video to determine that it was indeed my vehicle responsible for the incident -- XXXX, over the course of XXXX months, neglected to communicate with me nor send a copy of the video. 

In XX/XX/XXXX, having received no communication from XXXX, I wrote them via their web portal requesting them to dismiss the claim. The company, again, did not respond to my inquiry and instead sent my case to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-19
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 writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.

Complaint:
We received our collected mail from the post office today, after having been on vacation for about 11 days. In the mail was an unsolicited credit card from Chase, called the " XXXX Rewards Visa Signature Card ''. The card did not have my full name on it, just my first and middle initials and last name. I never applied for or in any way requested this card. I called and reported it to Chase immediately and spoke to XXXX in their Security Fraud Division who says she has closed the account and will investigate. However, she could not give any confirmation number or other means of confirming that I had reported the issue and that this unsolicited account is in fact closed and that it will not affect my credit. 

This seems to be a likely case of identity theft but also a case of Chase issuing credit cards without proper checking of identity and then not handling the aftermath in a way that makes the violated consumer whole. In this time of rampant identity theft it seems highly negligent to issue a credit card without even knowing the first name of the person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
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:
Dear CFPB, I have sent several letters to the agencies regarding inaccurate information in my credit file. The bureaus claim the account is verified. The inaccurate information remains in my credit file and has impacted my file negatively. Now I would like to file my CFPB complaint formally. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of the information. In accordance to FCRA, Section 611 A through D, They are supposed to let me know who they verified with. I asked them to delete anything that is not 100 percent accurate. I have a lot of inconsistencies between the 3 bureaus, below I have listed them out for you. 

TRANSUNION Account Name : XXXX XXXX XXXX  XXXX Errors Found -open Date is not uniform with all 3 bureaus -Last reporting date is not uniform with all 3bureaus -last active is not uniform with all 3 bureaus -Date of last payment is not uniform with all 3 bureaus XXXX Account Name : XXXX XXXX  XXXX Errors Found : -open Date is not uniform with all 3 bureaus -Last reporting date is not uniform with all 3 bureaus -Last active is not uniform with all 3 bureaus -Date of last payment is not uniform with all 3 bureaus XXXX XXXX Name : XXXX XXXX XXXX Number XXXX Error found : -open Date is not uniform with all 3 bureaus -last reporting date is not uniform with all 3 bureaus -last active date is not uniform with all 3 bureaus -Date of last payment is not uniform with all 3 bureaus I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms, is an admission of guilt and a direct violation of my rights of a fair investigation. I am not sure how They can state it was verified. How is it possible that TransUnion, XXXX, and XXXX all verified the accounts above as accurate coming from ONE source, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. 

At this point, I demand this account to be deleted immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report to the address below after they have completed the deletions Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Thank you for your time,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-29
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Advance America, Cash Advance Centers, Inc.

Complaint:
On Monday XXXX XXXX, XXXX, my mother received a call from XXXX XXXX regarding a collection that they have for me. They left a voicemail saying they were wanting to know how to locate me. She said she was from the XXXX XXXX XXXX XXXX there is legal litigation being filed against you. 
She said it was court case # XXXX & their phone # is XXXX. 

On Friday, XXXX XXXX XXXX. They proceeded to contact my spouse and he missed the call. A voicemail was left advising him that they were trying to locate me to have me served, they were moving forward with a litigation because I had failed to fulfill my agreement. 
I attempted to return the call, received a voicemail that was full and unable to accept messages. 
They then contacted my husband 's ex-wife. They released the same information to her, advising her they were trying to locate me to have me served, they were moving forward with a litigation because I had failed to fulfill my agreement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
My Name is XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  NYXXXX XXXXXXXX XXXX XXXX XXXX  ACCOUNT I opened a bank account with the following bank ( s ) : Bank Of America was opened in XXXX in Maryland XXXX XXXX ( unsure of location ) XXXX XXXX  around XXXX in New York My documents got lost due to homelesness and all effort at reopening/revalidating these accounts is unsuccessful. 

Am having Issue with updating my past financial records and getting a credit report for other obligations. I will appreciate every effort to recover the
se account ( s )

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 2022-04-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In XXXX of last year was when the 1st problem started where on my credit report through trans Union and through XXXX XXXX  decreased by XXXX plus points when only positive things occurred on my credit report meaning accounts were removed and balances decreased no interest was gained on any debt no payments were missed yet the my score dropped by XXXX points. Again in XXXX of this year my score as well with TransUnion and XXXX XXXX  decreased by XXXX points they have since changed it on their side because I complained so now I dropped XXXX points points but again nothing changed no interest was gained on any debt that I have no payments for missed aid balance decreased and An collection account which was on my report which was not mine was finally after a year and a 1/2 proven that it was not mine and they have removed it. And my score drops XXXX points. I contact both companies they both just blame the other 1 no 1 can give me actual explanation as to why they dropped when things positive happened to my account and I need help. I have worked so hard on getting my credit back to a good level because I live in such a dangerous neighborhood I am struggling to get out of this neighborhood so I have been working on my credit since they dictate how people live their lives and now in 2 months they've taken my credit down from a good to now a poor. So I just can't understand why no one can provide me with the information that I'm asking everybody wants to just blame the other person I want to know why and I've looked at all of the models that people use for calculating our scores so I know that it noh that a no model is there a situation where my credit score should drop in this type of situation I wasn't even looking for it to increase I would have been happy with it staying the same back starting in XXXX because that way I know that I would be on the right track but every time I do something positive my scored drops so what am I supposed to do Also now when I try to contact the company 's TransUnion won't even let me get through their automated system to get me on the phone to talk to somebody and credit karma now is playing this game where they can't respond to my emails saying that I'm not emailing them from the account that is listed with them and that's completely

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 2022-02-04
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: CITIBANK, N.A.

Complaint:
On XX/XX/XXXX a debit transaction in the amount of {$510.00} on behalf of vendor XXXX XXXX occurred. The vendor was notified on XX/XX/XXXX to cancel this transaction, and agreed. 
CitiCard has NOT returned the {$510.00}.

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 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.

Complaint:
Its a pandemic and I was late a couple days on my chase credit card, i didnt know there was a pandemic assistance before it happened and I had just lost my job and was waiting on EDD benefits to be approved to be able to pay my credit card bills Ive submitted a goodwill adjustment in hopes if getting it removed due to me being affected by a pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2022-12-30
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Company response to consumer: Closed with explanation