hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-01-24
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:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT XXXX  XXXX- Reported : XX/XX/2020 - {$8900.00} Closed To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case Fields v.Wilber Law Firm, XXXX XXXX XXXX and XXXX XXXX, USCA-02-C-0072, 7th Circuit Court, Sept 2004.. 
Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
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: EQUIFAX, INC.

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX, Account # XXXX, has violated my rights. 

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

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

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2022-06-17
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: Experian Information Solutions Inc.

Complaint:
In 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2022-08-04
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Brock & Scott, PLLC

Complaint:
On XX/XX/2022, I became aware that Brock and Scott PLLC, of XXXX, South Carolina are posing as lawyers on case XXXX, in XXXX XXXX XXXX Court of Pleas. This is a direct violation of title 15. There are no trustee 's associated with XXXX XXXX XXXX XXXX or any of his private property. I do not have a contract with these debt collectors. I have called and requested a W-9 for tax identification and was denied. I have no clue who this business is or who the work for.

Please take notice of revocation of Power of Attorney and all future trustees. Recorded in XXXX XXXX Record of Deeds. Bk 791 Pg 335. 

They can not collect a debt for anyone because I do not owe any debt. They are using my name and SSN to which they have no permission. Please see attachments. Any proceeding with XXXX XXXX XXXX XXXX must be submitted to SOUTH CAROLINA SUPREME COURT. XXXX XXXX is not a government entity. It is not a court of record. Which is why I am contacting this government agency to rectify the actions of these debt collectors. 

Brock and Scott have employed my name and XXXX. They can not have me on there books as a debtor because the emergency banking act is still active. All debt obligations are of the United States. This is fraud clearly. 

They claim to work for XXXX XXXX XXXX XXXX XXXX who is also a debt collector. This is fraud to me and the CFPB has been informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
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:
What I am asking for is your verification source. As I am told by the bankruptcy court they do not verify information to anyone. I feel my rights to your verification method have been violated and and prompt removal of this bankruptcy should be done because of your refusal to give me the proof and the source of your verification.

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 2019-04-06
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: Consumer Portfolio Services, Inc.

Complaint:
I checked my credit report and noticed that I had 3 Hard Inquires so I called the XXXX XXXX XXXX XXXX XXXX, I called the company and the repXXXX told me that XXXX XXXX ran my Credit on XX/XX/2018. I never gave this company any authorization to run my credit I was never in the store, I spoke with a finance manger XXXX, and he said that my son told them that I have him authorization, I told him that was not true and I will like for it to be deleted of my credit and he said he would do it because by son said it was ok, I also notice that they ran my credit with another company consumer portfolio service

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ARVEST BANK GROUP, INC.

Complaint:
I was working in XXXX Florida from XX/XX/2023. I traveled from XXXX Airport, through XXXX XXXX Airport , and then to XXXX on XX/XX/2023. 
On XX/XX/2023, I received a text notification from XXXX XXXX that a charge was made to XXXX XXXX XXXX XXXX XXXX Florida for {$2700.00} and another one for {$300.00}. I got on the XXXX app on my phone and saw the fraudulent charges, which I disputed both at that time and requested the credit card locked and to have a new one sent to my home address. I let them know it was not myself or anyone else in my family and that my credit card was in my possession so somehow the scammer had my credit card number. 
I then, from the XXXX App, reset my password and was sent a message through the app that the new password had met their requirements. However, I noticed they misspelled the word and by putting " requirments '', leaving out the " e ''. I contacted XXXX XXXX XXXX XXXX on the phone number on the App, and when the person answered, with very broken English and a lot of noise in the background, and requested my SS #, I hung up. I then looked at the back of my credit card and called that number for the Fraud department. The text I had received earlier about the 2 charges was indeed XXXX, however, the scammer somehow got into the App, and I did report this to XXXX. Also, the following day I received another text, from the exact same number from XXXX that another {$5000.00} had been charged, but when I called XXXX, they stated that wasn't true, but the scammer had gotten their text number. Then on XX/XX/XXXX, I noticed 2 charges on our Health Savings account card for {$610.00} and another for {$120.00}. We notified that company, and they opened a fraud report. Then on XX/XX/2023, I noticed 8 drafts on my checking account that totaled, {$3100.00}. I contacted my bank right away and they canceled my debit card and issued a new one. I went to my bank the next day and disputed each charge. The drafts were to the following on my checking account at Arvest Bank, XXXX XXXX XXXX XXXX {$50.00}, XXXX XXXX {$7.00} and {$14.00} XXXX XXXX {$240.00} XXXX XXXX XXXXXXXX {$44.00}, {$1000.00}, and {$1700.00} XXXX XXXX XXXX {$36.00} With all the fraudulent charges, I was in possession of my credit card, HSA Medical savings card, and my bank card, so I am not sure how they got into these accounts. 
I was staying and working with a new hotel, and I think someone could have gone into my room and taken pictures of the cards in my purse that was left in the room during my work hours but hidden. I did notify the hotel and they stated they would have the locks read, however, they have not received a response from their lock company.

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 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX is reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX which is not my address and never was a family was occupying that address and stole my identity. I reported it to XXXX credit bureau with no resolve. XXXX XXXX XXXX, XXXX is reporting XXXX XXXX XXXX XXXX, LA XXXX and Transunion is reporting XXXX XXXX XXXX XXXX, la XXXX, XXXX XXXX XXXX XXXX, la XXXX and I never lived there it was also apart of my identity theft case. 


Transunion has my name known as XXXX XXXX which is incorrect.

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 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX : {$1400.00} Opened Date XX/XX/XXXX XXXX Original Creditor XXXX XXXX Balance : {$66.00} Opened Date XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

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



Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : 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 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 2019-10-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC

Complaint:
hello, On XX/XX/19 an call was placed to this agency for the debt that is on my credit report. this amount is wrong. Payments were paid to the previous agency and the converter boxes has been sent back. I was supposed to received at least {$200.00} credit for the boxes being sent back, seeing that the original debt was for service that has not been rendered. The cable service was to be paid a month a head of time every month. If not paid they will cut off your service. So bad enough I still have to pay for a bill on cable I didnt get the opportunity to watch but they are trying to make me pay for the boxes and for payments I already paid. They offered me a {$230.00} settlement that I declined, the balance they said that I owed was {$470.00}. I told them if they take in light that I did send the boxes back with they said was {$160.00} and deduct that from the {$470.00} and then offer me a settlement, I would be more inclined to take that offer so it can come off my credit report. but they declined

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
XX/XX/2021 Debt was paid XXXX to Portfolio Recovery Associates and will be considered paid in full for less than request that the credit beauras delete from report. I have everything in writing to verify. Now, it being reported as partial paid with a balance still due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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: EQUIFAX, INC.

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
I had an account with XXXX XXXX XXXX  and the company sent me to collection. I paid the account with the collection agency ( XXXX XXXX XXXX XXXX ) on XX/XX/2018 in the amount of XXXX XXXX XXXX XXXX  did not report the account as settled in full after I paid the collection agency on XX/XX/XXXX, XXXX XXXX XXXX XXXX   did not report anything on the account for several months until after I did a dispute with the credit bureau then the company report the account as a charge off on XX/XX/XXXX.. Unfair business practices due to me paying the debts and they still report the debt on the credit even after I notified them and sent them proof of the payment. They even confirmed verbally with me that they would not update even though they acknowledge payment.

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 2021-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC

Complaint:
While in the process of repairing my credit I noticed an alleged debt from Harvard Collections Services LLC opened in XXXX of XXXX being reported for something that does not belong to me. On XX/XX/XXXX at XXXX XXXX  XXXX I contacted Harvard Collection Services in regards to an alleged debt from XXXX in the amount of {$1300.00}. The agent that I spoke with refused to provide me his name and stated that the alleged debt was in fact mine and that it stemmed from over payment from the state of Illinois for state assistance between the months of XXXX to XXXX of XXXX. I have never resided in the state of Illinois and can't seem to understand why the agent to whom I spoke with advised that I would need to call another phone number and leave a message for a return call in which a representative would call me back for follow up in 7-10 business days. I never received the follow up. I called again on XX/XX/XXXX and left another message. It is now XX/XX/XXXX and I have yet to hear back from Harvard Collections. This alleged debt has been reporting for well over 30 years on my consumer report, which has reached well past the statue of limitations and reporting illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
Some time in the beginning XXXX I sent all 3 bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day I have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.

Complaint:
On XX/XX/2020 Citi Costco Visa received {$2300.00} directly from my bank, but failed to credit it to my account, crediting it instead to the wrong account. This was established in a 3-way call with Citi, myself, and XXXX XXXX. It took many calls and many hours on the phone to get Citi to finally credit my account for their mistake, which did not occur until XX/XX/2020. They refuse to correct their record to show they received my payment on XX/XX/2020. I have always paid off the entire balance of my card monthly until their error. Meanwhile I applied for a vehicle loan and Citi 's internal error negatively impacted my credit score. I'm concerned that elderly or frail people would not be able to navigate the phone tree to confront this kind of apparent fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation