hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2016-04-12
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Autovest, L.L.C.

Complaint:
In XXXX XXXX I signed a payment agreement on an agreed judgment which included service fees, filing fees, and listed an interest rate of 12 % per year. As agreed, I began making monthly payments beginning XXXX XXXX, with the most recent payment being made in XXXX. On XXXX XXXX XXXX the company representative told me my balance was {$3500.00} more than what the initial balance was on the agreed judgment. I disputed this and she stated she would work with the legal team to get this resolved. I called the company to follow up on this on XXXX XXXX XXXX and the issue still was not corrected. At this time it was explained to me, the additional amount was attorney fees and other fees they forgot to put in the original signed agreement, and that she was n't sure when this would be corrected.

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 2022-09-27
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 sent a letter to 3 credit Bureaus to remove this Charge-off Accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 credit Bureaus are required to remove any accounts not later than 4 business days after the date of receipt. Please remove these accounts in my file immediately : XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}

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 2022-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Auto Acceptance, LLC

Complaint:
They send me a letter stating everything was paid for. I took the letter to the courthouse in 2017. All was resolved. The company has gone out of business no longer exists and they are still trying to do this after I have shown them their own letter and have explained it isn't legal for them to put this on my credit

Company response to consumer: Untimely response
Consumer complaint received 2017-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION

Complaint:
If you look at my payments and their effects on my XXXX XXXX Balance, you will notice they have been going down. For instance, for statement closing date XX/XX/XXXX, it was {$1900.00}. For the next statement, XX/XX/XXXX, it went down to {$1700.00}. The next statement, XX/XX/XXXX, it was {$1500.00}.
However, per the XX/XX/XXXX statement, despite there being no cash advances on my part, or even purchases, PenFed XXXX up my XXXX XXXX  balance to {$2700.00} - an increase to {$1100.00} or 74 % increase.
I called on XX/XX/XXXX and was on hold for a little over 12 minutes. I then e-mailed PenFed. I got a response that they would get back to me in 2 to 3 business days, but PenFed has not contacted 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 explanation
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint:
This isn't my account. I was never the owner of this account. This account is not mine. This is unacceptable and offensive to me! This account is not mine.

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 2023-05-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions

Complaint:
Was in a dispute with apartment about move out amount, then they moved it to collections during dispute and they said they couldnt do anything and to talk to collections. Then I disputed with collection agency within 1 month and mailed letter with all the backup of pictures and emails from apartment I had on XX/XX/XXXX express 1 day with requested signature. They kept saying they didnt have it and I showed with USPS was delivered but decline to sign. I sent another package with backup in the mail on XX/XX/XXXX since she kept saying she never received. We have called twice in XXXX with voicemails to call back with no luck. I then called in XXXX to try to get ahold of someone other than who has our account to get this resolved and no one was helpful and it was getting frustrating that they weren't helping. They called us XX/XX/XXXX now saying they received our dispute letter but declined it and never notified and were finding out 5 months later. They said decline cause they reached out to Apt and they said the pictures they sent me of the move out backup and why we are getting charged is of another unit even though it includes out door with our apt number on it. We requested to talk to a supervisor multiple times and she said call back when we are willing to work out the debt. She also lied and said she called us twice in XXXX but she used the dates that we called and said she called which was a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Nelnet, Inc.

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


Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Subject : Notice of Dispute Violation of FCRA Rights and Inquiry Investigation To Whom It Concerns, I am writing to dispute an inquiry on my credit report from XXXX, as I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ). Despite my prior attempts to address this issue with TransUnion, the inquiry has not been adequately investigated. Therefore, I request its immediate removal from my credit report. 
The FCRA grants me certain rights as a consumer, which I want to emphasize : 1. Right to Accurate Information : The FCRA entitles me to have accurate and current information reported on my credit file. 
2. Right to Dispute : I have the right to dispute any inaccurate or incomplete information on my credit report.

3. Right to Investigation : The FCRA mandates credit reporting agencies to conduct a reasonable investigation when I dispute any information on my credit report.

4. Right to Fair Credit Reporting : I have the right to fair and unbiased treatment concerning my credit information. 

It is evident that TransUnion has not fulfilled its obligation to properly investigate the inquiry from XXXX, resulting in inaccurate information on my credit report. I urge you to take immediate action to remove this inquiry to remedy the violation of my FCRA rights. 
Kindly provide written confirmation once the inquiry is removed from my credit report, along with any supporting documentation. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2021-03-05
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: OneMain Finance Corporation

Complaint:
My credit was pulled by this company that i have never spoken to before nor have any business with. 
Credit pulled on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Management Group, Inc. (GA)

Complaint:
I received a letter from a debit collection agency a week or so back. This was an attempt to collect on a doctor 's visit that would have occurred tomorrow will be a year ago. This letter had a date set to respond by XX/XX/XXXX. I paid XXXX dollars on the date of the visit, which would have been my co-payment. XX/XX/XXXX, I was at XXXX XXXX XXXX 's office at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX. I received good care from staff. I have no complaints. However, I no longer work or have a job do to these kind of senerios. As of XX/XX/XXXX, I am no longer covered by XXXX XXXX, XXXX in XXXX, MT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
on XX/XX/2021 i submitted documentation on a dispute i had and was never replied back too with transunion and XXXX after that due to the fcra laws my crdit score shouldve increased instead it dropped

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 2021-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.

Complaint:
This company has accused me for 19 years of owing fines related to a motor vehicle infraction. I have paid the debt and my driver 's license is clear and valid. I have requested proof that the debt is outstanding and the company never provided any proof whatsoever. They continue to send letters claiming money is owed.

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:
THE ACCONTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY CARD AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFTI am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN I XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
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: BARCLAYS BANK DELAWARE

Complaint:
I did not sign up for this card. You can see how it was never used. The amount they where charging was an annual.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have submitted countless verification letters to XXXX and Transunion in reference to medical accounts reporting on behalf of XXXX/ XXXX XXXX agency. Not only have they failed to comply in providing the requested verification documents ; once I followed up with a request of their method of verification Which allots them 15 days to respond .... this was failed on their end as well. They simply sent back notice if " verified ''. This is unacceptable and not in compliance according to the FCRA. Furthermore I have never released any if my medical information to this reporting third party ; so this may very well place these companies in violation of the HIPPA Act as well. I would like these accounts removed Immediately based on these violations.

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 2022-09-28
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: SYNCHRONY FINANCIAL

Complaint:
Improper uses of credit report accordance with the Federal Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states that I have the right to privacy 15 USC 1681 section 604 ( a ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purposes.

Billing Error Pursuant to 12 CFR 1026.13 XXXX XXXX can not report late payments in accordance with this regulation of the Bureau 12 CFR 1026.13 ( d ) ( 3 ).

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 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
XXXX XXXX XXXX is reporting an inaccurate late payment on 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
Consumer complaint received 2022-05-18
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: Bread Financial Holdings, Inc.

Complaint:
Called companies XXXX XXXX XXXX XXXX about incorrect information & fraudulent activity. Also called XXXX about incorrect information and fraudulent activity. 

Called Comenitycb/overstock about incorrect information and fraudulent activity. Called XXXX  about this also. 

Placed a creditlock with XXXX. 

XXXX placed a fraud alert on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
hi transunionhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2018-08-20
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: RAB, INC.

Complaint:
XXXX XXXX and XXXX XXXX representing RAB , Inc. have contacted our business multiple times through phone, email and XXXX XXXX. They have spoken with 5 representatives from our company with only one being the owner. Both XXXX XXXX and XXXX XXXX have been verbally abusive in their language. We have asked them verbally and in writing to stop contacting us however, they continue to harass us. We have been sending payments to the company who hired them. Therefore, I do not understand why XXXX XXXX and XXXX XXXX continue to harass us. 
They have threatened to sue us, send a private investigator, have sworn at us, asked our employees if they like their jobs, called an employee a stupid women. This on going harassment has got to stop. 
RAB , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Contact Toll-Free : XXXX Local : XXXX Fax : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
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: EQUIFAX, INC.

Complaint:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
credit reporting agencies still have not removed the inquires from 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 non-monetary relief