hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-05-20
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to CORRECT immediately XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Credit Systems, L.P.

Complaint:
I am making a collection complaint from XXXX XXXX I was with that company I had to pay what I use they should not charge me more payments this company is taking advantage of my mother is out of the country if it is true she has the cell phone with her from XXXX XXXX  I am not going to pay an additional charge of {$1200.00} with XXXX XXXX  for helping me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
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:
Equifax and XXXX  are reporting incorrectly that I am 30 - 60 days past due on XXXX partial account number XXXX. ( Please see page 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
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: EQUIFAX, INC.

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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 — Was not notified of investigation status or results
Company: Affirm Holdings, Inc

Complaint:
On XX/XX/22, AFFIRM INC added a derogatory mark on my credit report for {$170.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. They did not verify this account and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. This alleged debt is not mine I never entered into a signed agreement or completed an original contract with ( AFFIRM INC ). This inaccurate collection is not mine. I never provided any written consent or permissible purpose for this alleged creditor to report on my consumer report. I AM THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report. This is a violation of U.S. Code 1681b permissible purposes of consumer reports. Pursuant to 15 U.S. CODE 1681b ( a ) ( 2 ) - Permissible purpose, of consumer reports. ( A ) in general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I NEVER PROVIDED WRITTEN PERMISSION OR ANY CONTENT to pull my consumer report. This is a violation and also identity theft! 15 U.S.C. 1681c-2- Block of information resulting from identity theft. 15 U.S. Code 1681n- a In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} or ( 3 ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorneys fees as determined by the court. I demand this inaccurate account to be removed and deleted from my credit report immediately or I will file for litigation and report you to the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I have an account that was reinserted on my credit from a company that I have never done business with : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX they sold this account to some 3 party junk debt buyer and I never recieced any 30 day notice or contact what so ever. I demand this account be deleted at once due to several FDCPA violation and FRCA violations. I never signed any release for my HIPPA act protected medical records to anyone at any time. 
I have been effected by the COVID 19 Pandemic shutdown and was not able to work due to restiction in the state of Florida I has a few late Payments from XXXX XXXX XXXX XXXX # XXXX I request they be removed and from my credit report.Looking over my credit report I noticed there were some late payments showing and due to the pandemic/hardship I was not able to make those payments on time. The following accounts are listed that show late payments for 2020 XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC.

Complaint:
On XX/XX/2023 this company TRS recovery services said I owed {$1000.00} and kept increasing it with interest which now current its {$1600.00}. On that date my whole checking account was overdraft with all the money I had to a site called fanduel. There was fraudulent activity happening on my fanduel account and I had my bank had to close down my checking account. I tried calling this company about this supposed debt but they dont pick up their phones. So, I Called my bank and they never were contacted by them or got information about this debt I owed. I asked them if that was the transaction amount was taken from my account that day from my old checking account and they said they didnt see that amount for it so they were confused why I owe that amount when they dont even see it. Its not even the correct amount of money that was taken from my account yet they dont even pick up their phones so I can dispute it. This trs company asked for information if I reported it to police for fraud but I dont have to give them that information cause they dont even have the right amount of money that was taken from my checking account. I wanted to dispute this amount with my bank but they cant dispute cause that amount was not their that day for the transaction. The reference number for trs is XXXX. They keep bothering me and charging interest on something I dont actually owe and its ridiculous to the point Im gon na have to get a lawyer to deal with this. My bank has not been contacted by you guys and they tried Calling you guys as well how are you coming up with this number? I cant dispute it cause my bank says that transaction amount wasnt even there on the old checking account. Please resolve this cause I already sent you guys a letter on what are the exact details on this supposed amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
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 been filing complaints with this company for months now and I have yet to receive a response about my credit report. I require a full investigation as to why I have not as so much gotten an email about my complaint on these companies who has reported wrong information on my credit report. My credit report has different addresses that are false and I have not resided, therefore these account below are not associated with me. 
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 2021-12-08
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Address : XXXXXXXX XXXX XXXX XXXX  XXXX, FL XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/2019

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 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
In accordance with the fair credit Reporting Act XXXX XXXX XXXX Account Number XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and 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 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
Information inaccurately reporting. 
1. XXXX XXXX bankruptcy not my account. 
2. XXXX XXXX paid as agreed. 
3.XXXX  XXXX XXXX XXXX XXXX XXXX agreed was never delinquent on XXXX & XXXX of XXXX 4XXXX XXXX falls under XXXX XXXX medical act paid in full. 

5 XXXX XXXX XXXX purging and re-aging the account. Account being paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION

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. Capital One XXXX XXXXXXXX, has violated my rights. 15 U S C 1681 Section 602 A States I have 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 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.

Complaint:
I notice this company XXXX XXXX place a collection on my credit report but it 's already place on my report from another company I received nothing from this company stating they will be placing anything or attempting to collect any debt from me. I search for their licenses to collect debt in the state of Florida and I could not find anything from them or their parent company on the states website.. I contacted the bbb and they responded that they will remove the item from my credit report and they have yet to do so.. I have read a lot of complaints on this company and some have stated that they are a fraudulent company and they way they conduct business is not of standards.

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: 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:
My wife and I received an unsolicited VISA credit card in the mail from Chase. When i called to verify, they insisted that she must have applied for it. When she spoke with them they were very condescending and tried to convince her that she had applied for it. When that didn't work, they then insisted that it was really a replacement card on a very old account. 

It is my understanding that " Under Regulation Z, which implements the Truth in Lending Act, it's illegal for a credit card company, store, or other entity to send you a credit card you didn't request. ( 12 C.F.R. 226.12 ). So, most companies don't send out straight-forward unsolicited cards. But some companies try to get around the law by sending " replacement '' credit cards for accounts that are no longer active. Sending these types of cards, if unsolicited, still violates the law. '' At best, this is dishonest and deceptive practices, but I really suspect that they are creating fake accounts again in hopes of drumming up business and feel that their best chances are to bully senior citizens into accepting such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
Im submitting this complaint against Experian, XXXX, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA, since XX/XX/2022 to present. I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from the credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

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 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
on XX/XX/XXXX I reached out to XXXX, XXXX, and Equifax via cell phone concerning credit inquiries that i did not authorize. I explained to the customer service reps that I am constantly receiving emails with offers from various credit card companies offering to extend me credit, and that if i put the last 4 digits of my social security numbers in that i could check how much credit i could qualify for without it reporting to my credit profile, But when I checked my credit report i discovered that i had in fact received hard inquires from those credit card companies. The representatives from each company ( equifax, XXXX XXXX, ) Told me that they could not me remove those inquires from my credit profile even though the FCRA says I have a right to dispute any unauthorized items that may appear on my credit profiles. These companies house our information without our permission, and when something is wrong or inaccurate they treat you like you are wrong about your information, and that there is nothing that can be done when your credit profile is being reported inaccurate. XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXXXXXX XXXX ( XX/XX/XXXX ), these inquiries was not authorized by me, i gave no one permission to access my credit profile, nor do i have any accounts with these companies who accessed my profile with out my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
Hello and good day! 

I deposited a check for {$1200.00} yesterday and the hold on it was supposed to be XXXX business days as per the receipt. Today, I checked my checking account ending in XXXX XXXX XXXX and the hold has been arbitrarily delayed until the XXXX. This is a recurring deposit from the same person and same bank, and amount, and no objective reason has been given to me for the delayed hold. Bank of America is not even releasing it partially. This makes it worse as I am suffering due to the consequences of COVID on my business, and I feel discriminated about and even after spending at least 1 hour with customer service, I am still not getting resolution. I also spoke to a Supervisor, XXXX who handed my call over to XXXX who had no explanation for doubling the hold time from the XXXX to the XXXX, and hid behind process. 

Please kindly investigate for discrimination and arbitrary, double-standard procedures. 

Many thanks and cheers! 

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 2019-04-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY

Complaint:
A federally funded financial institution ( Wells Fargo ) setoff funds from my checking account to pay a balance on closed credit card account issued by the same bank without authorization. They stated they could do this based on an agreement I signed when the checking account was opened. I have disputed I signed such an agreement and they are refusing to provide a copy and/or have refused to reverse the setoff.

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 2023-02-20
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-12-23
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief