hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-08-09
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.

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 non-monetary relief
Consumer complaint received 2022-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXXXXXX Balance Owed : {$52.00} ; XXXX XXXX XXXX XX/XX/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 2022-11-18
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need you to correct the accounts listed below ASAP : XXXX XXXX XXXXXXXX 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 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
these account do not belong to me XXXX XXXX XXXX XXXX XXXX, XXXX inuuiery date XX/XX/XXXX,, XXXX XXXX XXXX XXXX XXXX, XXXX inquirer 's date, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX date, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX inquiry XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX date XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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:
Please be advised that as of XX/XX/2022, as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX  XXXX - {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$840.00} I want to be explicitly clear with my request. I am not requesting validation of this debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past several months I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above-mentioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

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 2022-08-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.

Complaint:
On XX/XX/XXXX, I contacted Ally Bank re their lack of action regarding a fraudulent charge by XXXX. On XX/XX/XXXX, I made an online purchase from XXXX for {$66.00}. The purchase was acknowledged by the merchant. I discovered too late that XXXX has a history of taking money and not sending the merchandise. This is precisely what happened to me. 

By XX/XX/XXXX, I gave up on XXXX and disputed the charge via Ally Banks online form. It is now XX/XX/XXXX and Ally has failed to reverse the fraudulent charge, despite numerous requests from me via secure messaging. Suddenly, some time prior to XX/XX/XXXX, Ally decided that my dispute could *only* be processed via written forms which they claimed to have sent which have not been received. On XX/XX/XXXX, Ally confirmed that, upon review, they had my correct address. I have had no further contact from Ally. The charge has still not been reverse. My orders page at XXXX has been scrubbed but I screenshotted the page prior to scrubbing. 

Thus, Ally has done nothing but play games and drag their feet over a clearly fraudulent charge. 

Thank you.

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: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Experian Information Solutions Inc.

Complaint:
Experian XXXX and XXXX are allowing companies disguised as debt collectors threatening with letters made up to look like court documents after attempts to tell them that they should not contact me. This is affecting my opportunities to fair 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 2021-02-12
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:
XX/XX/2021 send second letter. For dispute And received accurate and dont made investigation you has been verify account XXXX XXXX XXXX XXXX investigate account response has been verify I need fixed account because send all proof this account is no verify dont send me proof your investigation damage too much my reputation and need your fixed incorrect information of my credit 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
Consumer complaint received 2022-11-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
My Dispute is detailed and related to the accounts listed in this letter. I am exercising my rights under FCRA 611 ( a ) ( 7 ) for you to furnish copies of all documents you used to verify the accounts listed within the 30 days allowed by FCRA law or delete them immediately. 
If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION

Complaint:
I financed a car through Toyota financial services, a bad mistake. They make you jump through hoops just to get approved. I usually go through my credit union and will do so from now on. Unfortunately I was T-boned in an intersection and my vehicle was declared a total loss on XX/XX/21 with the check being sent out that week. It is now XX/XX/21 and they STILL haven't updated their records to show that there is a total loss payoff. Yes, they still took my payment for the month it was due. They refunded me the payment for the next month but they have yet to show the car was paid off. I reached out to them 3 times about this. When I am late on my payment I am penalized with a late fee right? Toyota Financial Services should have the same burden of obligation to ensure their processes are working and not taking customers money for non existing loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Relin, Goldstein & Crane, LLP

Complaint:
My name is XXXX XXXX, i am the consumer as well as the only one with personal knowledge in connection with the transaction. This company named Relin, Goldstein and Crane LLP has been repeatedly contacting me acting as debt collectors and its unclear whether they even have a license to collect alleged debts. please provide your agency debt collection license number. and please show cause of your authority to contact me about these matters concerning this debt. 

This is yet another notice of dispute. i am not making any settlements until this alleged debt can be verified. until this alleged debt is verified, i refuse to pay this alleged debt. as a consumer i am entitled to receive the name and address of the original creditor, verification or a copy of a judgement for this alleged debt from the creditor. if your agency is unable to produce such documents, it is advised that your agency cease all communications immediately. 

it is advised that all verifications need to be in the form of oath or affirmation and placed under the penalty of perjury. 

RE File Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
I have an account reporting on my Experian credit report through XXXX XXXX XXXX that I've been disputing for the past several months. This account was opened by my ex-spouse without my knowledge or consent through identity fraud. I've never signed any contracts or documents relating to this account and as a result I have been denied credit on several occasions due to this fraudulent established account. I've sent it Experian an affidavit identity theft report along with other supporting documentation but yet this account still remains on my credit file. Experian claims the account has been verified only due to matching up my personal information with the original creditor which is not accurate verification in the law of the courts and not to mention any individual having access to my personal information would easily be able to act as me on their behalf. Since Experian has not provided physical accurate verification, I am exercising my rights under the Fair Credit Reporting Act sections, 605b, 609, and 611.

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 2022-04-26
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 lost my purse at XXXX 3 years ago. I had utility bills opened in my name, credit cards, and even loans. I've been trying by myself to get this stuff off my reports. I need help. I was told y'all could help me. Please help me.

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 2019-06-17
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: Experian Information Solutions Inc.

Complaint:
The following accounts does not belong to me and I'm asking that these fraudulent accounts be blocked from my credit report. Not one single credit reporting agency provided any physical documentation for these accounts before reporting them, opposite of my request for physical documentation. I'm demanding that these accounts be blocked/ removed immediately. 

1 ) XXXX XXXX {$820.00} 2 ) XXXX XXXX {$670.00} 3 )  XXXX XXXX {$120.00} 4 ) Missouri XXXX XXXX  XXXXXXXX 5 ) 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 2022-05-14
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: Experian Information Solutions Inc.

Complaint:
n accordance with the Fair Credit Reporting act 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 can not furnish a 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 2023-07-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC

Complaint:
Back in XXXX of 2019 ( I believe ) I went to the XXXX XXXX hospital for XXXX XXXX Was in the ER for a few hours, they ran tests and found I had XXXX XXXX. At the time they had no rooms available, and they wanted to transfer me to a neighboring hospital via ambulance. My husband told them ambulance wasn't necessary and that he 'd drive me. Hospital insisted they needed to drive me. I told them I couldn't afford extra charges. 
Ambulance took me to XXXX XXXX XXXX XXXX ( it took less than 5 minutes via ambulance ). I was transferred to another ER at XXXX XXXX XXXX, they had no rooms available either, so I told hospital I was going home. 
It was ridiculous that they transferred me via ambulance from one hospital to another only to end up at another ER. I was worried about all the extra charges for ambulance, so I had them discharge me right away. The said bill is the result of the ambulance driving me Literally across the street for no more than 5 minutes! I told them I was going to be driven, and they told me no. I disputed this with them years back and thought it was settled. 
IT is NOT right that something like this goes into your credit report and brings down your score. Please help me remove it. Wakefield and Associates for {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.

Complaint:
I was sent a collection notice on a bill that I paid already. Hospital has no record of sending to collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC

Complaint:
XX/XX/2013 my daughter was XXXX and XXXX. She was the victim of a crime and Florida was and is supposed to pay this bill. I have been fighting this for 6 years and it is on my credit report. I have given all copies years ago to XXXX XXXX where she received counseling for XXXX. I did not know this was on my credit till this past month. I have tried to end this. Please tell me why I should have to pay for a XXXX kit and injury evaluation? Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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: FC HoldCo LLC

Complaint:
In accordance with the fair reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 States that I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer Reporting agency can not Furnish A account without my written Instructions.

15 USC 1666B : A creditor May not treat a payment On a credit card account Under an open end consumer credit Plan as late For purpose.

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 2023-05-29
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 unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
hello, my name is XXXX XXXX. 

Im custumer from capital one bank and i received email about my account has been locked without any reason. 

the email said XXXX, XXXX XXXX We restricted your account ( s ) We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 

I think if something happend they should call me and talk to me about what is the activity they want made sure that is me or not. 

Now i cant paid my bill becouse my money is on hold. 

I feel really fustrated about this arbitrary decision was made with my account. 

i check all my activity and i didnt see any change for be consider suspicius for lock my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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: Resurgent Capital Services L.P.

Complaint:
U S C 1681 Section 602 A An direct unlawfully report on my credit report.

U S C 1681 Section 604A Another direct unlawfully reporting on my credit.

Company response to consumer: Closed with explanation