hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-03-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX # XXXX  NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint:
Due to Corvid-19, my XXXX XXXX is literally shot down, I'm not making any money to pay my bills. I had called one of my credit cards today HSBC to arrange a deferred payment and I was horrified that they are willing to give me a 60 days deferred payments, however they will keep charging me interest during those 60 days, I believe thats unfair to the consumer thats not at fault for not being able to pay, how can you do that to a consumer mostly with the outstanding credit like myself, thats totally unfair and inhuman to do that. I have a XXXX XXXX credit card and they deferred payments for 90 days, waiving all the late fees and interest for the 90 days, so how can HSBC bank be so unfair. 
Hopefully there is something you can do to help with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
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: LEXISNEXIS

Complaint:
ONCE AGAIN XXXX  DELETED BK PUPLIC RCORDS WITH XXXX XXXX, CASE XXXX AND RE-INSERTED XX/XX/219 WITHOUT 5 DAY NOTICE TO CONSUMER. THIS IS A INVALID LISTINGS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of thecreditoron a statement. 

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 
First Progress XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, StateAttorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I was looking over my credit file and I just needed to update some things that are not current or accurate. The correct spelling of my name is XXXX XXXX XXXXXXXX please remove or delete any other spelling of my name it is name correct. 
I have several addresses on my credit report that are not mine please correct this at once, please. These are the incorrect addresses the should be removed : XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX  OH, XXXX, XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-03
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:
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.

has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2021-04-21
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: Experian Information Solutions Inc.

Complaint:
Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent onXX/XX/XXXX) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration

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 2022-06-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.

Complaint:
My boyfriend recieved a call from the phone number listed asking for me. I called this phone number back twice and couldn't find out what they were actually calling about. They knew the last 4 digits of my social security number and my current address and kept asking me to verify if this was my information. I have no idea who this company is and they are not a creditor on my credit report. They never stated they were a debt collector and just kept asking me to verify my information before they would tell me what the call was regarding. This company made no attempt to identify themselves and were asking me to verify my information that they have on file, which they read to me first. I didn't provide it to them. They also asked my boyfriend to verify my SSN when he first spoke to them. I refused to verify the information becuase they wouldn't tell me what the call was regarding and they hung up when I pressed them on it. They never identified who they were each time I called and I repeatidly ask to get the name of the company. After getting angry they finally said the company name is Unifin but that was it, no other information was provided. I had to verify online that Unifin , Inc. is actually a debt collector. I believe this to be a scam as I do not owe this company any money. It is very concering that they have the last 4 digits of my SSN and my current address and would like to know what I can do abou this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I am writing today in regards to my account with Capital One account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-28
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:
Experian, after numerous investigations is still showing a collector, XXXX XXXX XXXX ACCOUNT NUMBER XXXX ON MY experian BUREAU REPORT. 
XXXX  XXXX XXXX IS A COLLCTOR, AGENT OR DEBT BUYER FOR XXXX a company who has questionable, perhaps illegal business practices who either knowingly or unknowingly victimiized me.XXXX sold phones and service that could not function in my home and surrounding areas as large as XXXX XXXX, CA, WHERE I WORK and also at my previous home outside of XXXX XXXX. 
XXXX XXXX has a simple plan of theft on the public ... They sell inexpensive service and phones in an area where XXXX dominates the business.The scam is XXXX has insufficient cell towers to provide service, even half the level of service provided by XXXX ( which most everyone has ) .so you get in inexpensive., XXXX appears reputable in advertising, yet the inexpensive service gives dropped phone calls, unintellible conversations, roaming in my own home, interference, static, the wind blows and cuts the call ... ..After talking to experts it is simple.XXXX has an effective scam ... ..the phones, THEIR STORE offices look good but they don't have the cell towers or cell tower leases to allow their phones to function in any normal sense of the word. 
Then when you complain they do not remedy because they can't ... ..They knew they couldn't deliver service when they sold the service to me.. 
XXXX XXXX executives perpetrate fraud on a wide scale where I live ... .they hold my credit hostage to try to collect money for a service that can't deliver..

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 2023-04-04
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: EQUIFAX, INC.

Complaint:
I am a victim of identity theft. I was affected by the Equifax data breach that occurred in XXXX. On XX/XX/XXXXXXXX I sent Equifax an FTC Identity Theft Report, my driver 's license, my social security card, a cover letter explaining what transactions were fraudulent and not made by me, and a copy of my electric bill as proof of address. I had listed 3 fraudulent hard inquires XXXX XXXX via XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, and 2 fraudulent accounts XXXX XXXX XXXX and XXXX XXXX XXXX. They received the documentation on XX/XX/XXXX via certified mail # XXXX. Per the FCRA, they have 4 business days to remove items I identify occurred as a result of identity theft, as long as I send in the required documents, which I did. I called XX/XX/XXXXXXXX  and spoke with XXXX, who initially told me the hard inquiries would have to remain on my report, even though they were the result of identity theft. She ended up removing 2 hard inquiries ; XXXX  XXXX and XXXX XXXX, as well as the 2 fraudulent accounts ; XXXX XXXX XXXX and XXXX XXXX XXXX She told me she was unable to remove XXXX XXXX from the hard inquiries. I explained to her that it was also listed on my FTC Identity Theft Report as fraud and she refused to remove it. I was escalated to supervisor XXXX and he told me my FTC Identity Theft Report was invalid because my address wasn't on it. The address field is NOT a required field when submitting an identity theft report with the FTC on identitytheft.gov. I advised him that it is their duty as a credit reporting agency to maintain my privacy and block items I identify as identity theft and he flat out refused to help me. Equifax is in direct violation of my rights as a consumer under 15 U.S.C.1681c-2 ( a ) of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$360000.00}.

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 2018-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC

Complaint:
This dispute was origianlly filed under XXXX but was closed as a duplicte which it was not and if it had been looked at the difference in account number and balance stated would have been recognised. 

In XXXX my identification was compromised in a breach by a professional service provider business and I believe that my identification was used to obtain services in the years that have followed. After accessing my credit report on XX/XX/XXXX I found an entry reporting as an open account that was unknown to me in the amount of {$410.00}. I disputed this with the bureaus and as a violation of the FCRA and FDCPA and I requested in writing full validation under the Violation of the Fair Reporting Act from XXXX XXXX XXXX with the account number XXXX who were reporting for their client XXXX XXXX XXXX. See attached XXXX XXXX report number : XXXX dated XX/XX/XXXX. On XX/XX/XXXX I had a telephone conversation with an agent of the collection agent who is reporting the account # XXXX to XXXX XXXX. I was advised that the unknown account was validated and I request to know who validated this account as mine. I was also advised by the agent that the total reported as past due on this account was {$410.00} and opened XX/XX/XXXX. I am appalled that my statements and requests have fell upon dead ears therefore, I challenge the accuracy, compliance and reputability of this listing. I require that XXXX XXXX XXXX  validate this information they are reporting against me and provide me with copies of documentation associated with this account, bearing my signature and my image. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful records of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
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: Experian Information Solutions Inc.

Complaint:
In  XXXX   XXXX , I submitted a dispute with Experian regarding information reported by  XXXX   XXXX   XXXX  for {$420.00}. I electronically challenged the accuracy, compliance, and reportability of this information and stated : " Please validate this information with  XXXX   XXXX   XXXX  and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act  Section 611 ( a ) ( 1 ) ( A ) , and I am keeping careful record of your actions, including your Method of Verification. I do not consent to  XXXX  or any means of automated verification. '' Experian replied with " verified '' but did not provide me any documentation nor show anything bearing my signature.     On  XXXX   XXXX ,  XXXX , I sent a certified letter to Experian, Tracking # :  XXXX   XXXX  attached ) requesting the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifte en ( 15 ) da ys of the completion of your reinvestigation. I asked the to additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.     This letter was signed for on  XXXX   XXXX ,  XXXX  by Experia n ( attached ).      On  XXXX   XXXX ,  XXXX , I received a response from Experian which was dated  XXXX   XXXX ,  XXXX , 2 days past the deadline. Their response was exactly the same as the first request for validation. They merely stated " verified ''. Again there is no signature from me showing a legal binding obligation to  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 2023-04-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is my several requests but still the same items were erroneous. The 3 credit Bureaus are required to validate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please reinvestigate the unverifiable items listed below : XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXXXXXX 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 2019-02-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
XXXX XXXX XXXX capital one threat jail time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation