hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-02-17
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: EQUIFAX, INC.

Complaint:
In accordance with the fair credit reporting act these creditors and companies XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX Has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states that consumers reporting agencies can not furnish an account without my written instructions. Under 15 U.S. Code 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
I have been disputing some errors and incorrect elements that are in my credit report since XX/XX/2021 and so far the credit bureaus have not given me an answer.

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 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc.

Complaint:
I obtained a personal loan from Prosper in XXXX. The first payment was deducted from my bank account automatically. I intentionally made a second payment thinking I was paying ahead. I made this extra payment because I was in the process of relocating to another state. Therefore, I didnt want my payment for the following month to be late since I was also starting new employment. When Prosper called me the next month saying my payment was due, I asked the representative to check my account and see I made an extra payment on my account. She said she could see the extra payment but I still owed for the new month. The company began to harass me over the payment. 
I have since paid XXXX towards the balance which is approximately XXXX. But I received notification from a credit reporting agency that my credit report has a 30 day late which has impacted my credit report causing my score to drop XXXX points. Prior to this incident, I had a perfect payment status. 
I called Prosper an spoke to a supervisor. She informed me there was nothing she could do even though she verified I made the extra payment in advance.

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 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ENOVA INTERNATIONAL, INC.

Complaint:
I have been trying to get this removed from my credit report. i never received a loan deposit from NetCredit in XX/XX/2021. I have tried to call to have it removed and they have not removed it. i have attached bank statement

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY

Complaint:
Wells Fargo automatically lowered my monthly automatic withdrawal payments. They did this because I have made additional payments to my loan in order to pay it off earlier. The letter they sent did not use clear language to indicate that my loan would not get paid off sooner, like I intended. I called Wells to get further clarification. The person on the other end could not explain the reason for the lower payment in a basic understandable format. I worked in lending and currently work for a securities regulator. If I did not work in these fields, I would not have understood that I would not be paying off my loan sooner, like I planned, based on the letter and the Well 's employee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation

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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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: Experian Information Solutions 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 willful 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/2018 Balance : {$15000.00}.

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 explanation
Consumer complaint received 2018-11-16
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 requested several times that the reporting company verify the accuracy of the information disputed by did not cooperate..The accounts in question have nothing to do with me..Please step up CFPB and take the necessary steps to remove the accounts Bankruptcy chapter XXXX-discharged XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-09-29
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. Account # XXXX has violated my rights. 15 U.S. Code 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything must be 100 % Accurate. I have the credit report showing the inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint:
On XX/XX/XXXX I tried to notify the bank that an unauthorized ACH withdrawal had been made on my account. The employee ( on telephone ) said he was having trouble restricting the account. So I went to the branch on that day and they restricted the account and opened a new account but they were not able to transfer the funds ( {$63000.00} ) from the restricted account to the new account. 

The next day I tried again to have the funds transferred to the new account. They failed and said to try again the next day. The next day they failed again and said they were very busy and to try another branch. Which I did. The new branch again tried to transfer the funds and failed and so said they would send the problem to the " Branch Complaint Escalation Team. '' 6 days later that rep called and said he could not help and to call the " Telephone Bankers Check Releasing Hold dept. '' Which I did. They said it was not their problem and it could only be handled at the branch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
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:
In accordance with the Fair Credit Reporting act -XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT 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 1666B A billing error 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-12-03
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: Bread Financial Holdings, Inc.

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: DISCOVER BANK

Complaint:
In accordance with the Fair Credit Reporting Act 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 states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Early Warning Services, LLC

Complaint:
After several attempts to communication with the company. The company has failed to produce documents to validate the information that is being distributed to banking companies upon request. This agency is reporting to companies and should housed this data per law, however in any case when the information can not be validated it should be deleted from the consumer profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2020-05-28
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: LEXISNEXIS

Complaint:
I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX OH XXXX please remove the following phone numbers they are not mine : ( 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 2022-03-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-06-07
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: CAINE & WEINER COMPANY, 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 XXXX  account # 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2021-08-15
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: JPMORGAN CHASE & CO.

Complaint:
There was a message on my answering machine from a person claiming to be from Amazon saying that there was a suspicious charge of {$4000.00} and that they put a hold on this purchase and wanted to talk to me about it. This call originated from the following phone number listed on caller id : XXXX but this didn't look like a real number and I have no idea how this number could be displayed like this. When I checked my Amazon account there was no such charge and when I contacted the credit card company ( Chase/Amazon ) they said there was no such charge and stated that this was probably a scam/fraud call.

Company response to consumer: Closed with explanation