hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-06-04
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: NAVY FEDERAL CREDIT UNION

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 15USC 1681. 
/ :. NAVY FEDERAL CREDIT UNION ACCT NO : XXXX PLACED ON MY XXXX CREDIT REPORT. 
/ : .NAVY FEDERAL CREDIT UNION ACCT NO : XXXX PLACED ON MY XXXX CREDIT RPORT. 
/ :. NAVY FEDERAL CREDIT UNION ACCOUNT NO : XXXX PLACED ON MY XXXX CREDIT REPORT. 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. 1681 C. ( 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. 45U.S.C. 1681 S- 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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:
This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sterling Infosystems Inc.

Complaint:
XX/XX/XXXX I was notified by Sterling with an email showing me my background report that was shared with perspective employer. I was alarmed to see that they had shared information dating back from a XXXX XXXX that I was discharged from XXXXXXXX for in XXXX. 

When I called and asked them why did they share my complete history when Texas laws protects me from this form of reporting, I was told that the Fair Reporting Act allows them to share my entire credit history. 

On the employer application I did not explain anything more than 7 years ago and this impacts my ability to now give an explanation and makes me appear as though I was hiding this. This may impact there decision negatively in my hiring process and even if I do get the job, I am embarrassed, ashamed, and feeling exposed to negative views of me after having a solid interview and immediate job offer this is not how I want to enter a new company. 

I would like help getting all this figured out. 


Respectfully, 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 2020-03-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2021-10-28
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: ALLY FINANCIAL INC.

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 60 days late ( XXXX to XXXX ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

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 2022-04-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management

Complaint:
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated.

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my wet signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : AMERIFINANCIAL SOLUTIONS ACCOUNT # XXXX {$100.00}, {$140.00}, {$100.00}, {$120.00} Best Regards, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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:
1. XXXX XXXX XXXX ( Collecting for XXXX XXXXXXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX of first attachment and XXXX XXXX XXXX of dismissal from court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Williams & Fudge, Inc

Complaint:
I am a survivor of XXXX and XXXX  XXXX and I my XXXX coherst me into several private student loans to where he bought a XXXX, and another car for my son, and used for fixing up our house. The only way I could get peace was is I agreed to sign this loan. We divorced 4 years ago and I still am trying to rebuild and find relief from this marriage. The only way he agreed to get the divorce was he put XXXX and XXXX all over me and his choice was either jail or give me money so I could hire an attorney. 4 years later I am still seeking relief. 

I can not pay this loan because it is from XXXX  XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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:
This is my second time contacting without my issue being resolve and am not being tooking serious. At this time again you are in violation of my consumer protected law by knowingly furnishing these accounts on my profile. My last complaint clearly stated I did not give these companies written or verbal approval to Inquire on my credit profile, or the permission thereafter to furnish these on my behalf. I don't have any knowledge of these transactions. You and these companies are in violation of my rights stated below and would like these inquiries removed immediately. This account is under litigation! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. 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 explanation
Consumer complaint received 2018-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am filing this complaint because XXXX  ( credit file confirmation # XXXX XXXX, Transunion ( credit file # XXXX ), and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2017-03-30
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.

Complaint:
Midland Funding LLC accepted a CLOSED account from XXXX back in XXXX. Midland Funding is marked on my credit account as an open credit account. Midland Funding is noting as an open account placing on my credit report monthly. I have asked for verification monthly since XX/XX/XXXX. It still registered as a dispute on my credit report. 

Midland Funding never respond to numerous request to verify the debt and actual breakdown what is due. XXXX was the creditor with a 300 initial limit. I was unaware of a XXXX Card opening XXXX. I 'm unaware of the actual charges from XXXX. Midland Funding never responded to proving the charges on the XXXX Card. 

Midland Funding still posts as a monthly open account on a closed account. Refuses to comply with the Federal Credit Reporting Act. 

This damaging my goals of advancement. Both XXXX and Midland Funding is documenting in my history XXXX in XXXX. Midland Funding also in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.

Complaint:
Equifax it kept asking me wrong questions and this is one services I can not get into and correct and it tell me start over And XXXX I can't get into my account I paid for and I disputed the services and never returned my money from bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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:
Someone opened a XXXX XXXX XXXX account in my name, with my documents, and for years I've submitted an identity theft report to ALL of the major credit bureaus AND the creditor. 

Each company fails to remove the account from my credit report and fails to acknowledge the identity theft, even though I've submitted a police report and a report from identitytheft.gov

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 2022-02-04
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:
The following XXXX, XXXX, TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( 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 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I called the XXXX, XXXX and Equifax after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, and hoping that this XXXX XXXXXXXX Late payment will be removed and corrected. 
XXXX XXXX XXXX Balance : {$490.00} XXXX XXXXXXXX XXXX Balance : {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation

Complaint:
I am coming to you to require corrections to my credit report. After looking over my report I noticed XXXX XXXX XXXX # XXXX listed 3 times on my file with inaccurate payment status. There are late pays on the same account 3 times on top of it listed the exact same 3 times. The account XXXX XXXX # XXXX and XXXX XXXX  # XXXX is showing the same error. The credit reporting agency and the companies are not fairly reporting on my credit file and this is a direct violation per FCRA 605B, 615 ( f ), and 623 ( a ) ( 6 ). On top of that ONEMAIN # XXXX is being reported and does not even belong to me at all. There is direct abuse towards me as a consumer and it has also brought a huge amount of stress and anxiety in my life. They have been falsely given the power to ruin lives when in reality I have all control. I don't even give XXXX, XXXX, or XXXX permission to furnish anything about me at all no matter where they claim it comes from. Per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer they have already broken so many laws and I will be taking this straight to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE

Complaint:
On my XXXX bill from Barclaycard there was a charge of {$1500.00} made on XX/XX/2020, from XXXX ( some weird company I've never heard ) of located in the state of Georgia ( I live in Florida ). I immediately contacted Barclay 's and told them this charge was fraudulent and they issued a refund and cancelled my card sending a replacement. They sent me a letter saying their initial fraud investigation showed I was not liable for the charge. In a few weeks, however, they reissued the charge, saying their " proof '' I made the charge was the company had my address ( no proof of what services provided or anything shipped to me ). I told them I would NOT pay this, that I did not receive any services or items from that company. I asked what actual proof they had for this charge ( so I could dispute it ). They then started another ( real? ) fraud investigation and on XX/XX/XXXX said they would resolve this in 45 days ( business days? I did not know how long to wait so I waited until now before proceeding ). I still have not received any report or final conclusion from them, and I can categorically state I have never received any services or items from that company and would love to see proof otherwise. However, I keep getting monthly bills from Barclay and the interest now is adding up ( my bills with all my credit cards are always paid in full and the only time I ever used my Barclay card prior to this was for purchases from XXXX ). My credit for 50 years has always been exemplary and this is unacceptable behavior on Barclay 's behalf.

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 2023-05-08
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 disputed negative items on my consumer report with Equifax on XX/XX/2023, unfortunately I didnt send it certified mail so I cant prove when Equifax received it, and I already know that its just my word against their word. I do know that I sent Equifax a dispute letter, and they have not yet responded, and by law they are required to respond within 30 days after receiving a dispute letter from the consumer. 

Attached to this complaint is a copy of the dispute letter I sent Equifax, and since they have not yet responded to my first dispute, I am requesting that they delete all items that I have listed on my attached dispute letter since they are in violation of the FCRA, which makes all my disputes unverifiable. If Equifax indicates that they never received my dispute letter, then I am requesting that Equifax conducts a Consumer Investigation, not just a verification with the furnisher of information.

15 USC 1681a ( e ) indicates that a consumer investigation means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he or she is acquainted or who may have knowledge concerning any such items of information. I will expect Equifax to give me the names and phone numbers of those they spoke with after their investigation, otherwise the negative items on my consumer report will be unverifiable and must be removed. 

Thank you for your cooperation Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK

Complaint:
On XX/XX/21 I went to XXXX XXXX at XXXX with someone < XXXX y/o. I was not informed of the policy of > XXXX y/o after XXXX until my card was charged. I was promised by the cashier that they would process the refund at the end of the day if we didn't play any games and just left. After a couple of weeks with no refund, I called XXXX inquiring the refund and was told they don't recall my story so I opened a dispute with Discover on XX/XX/21. Discover gave a temporary credit while they were investigating and originally sided with me. Then on XX/XX/21 they charged me back for the transaction, but credited it back on XX/XX/21. On XX/XX/21 Discover decided to side with the merchant and charged me again, but this time with no credit back.

Company response to consumer: Closed with explanation