hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-04-15
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 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 30 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 2022-05-18
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, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX Account Number XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/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. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items. 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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings

Complaint:
on XX/XX/2021, i sent Ad Astra Recovery Services Inc. a letter for alleged balance of XXXX that i don't owe. i request documentation of the validity of the debt that i haven't received as of yet. i also attached a copy of the letter below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
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:
I filed an identity theft report ( attached ) on XX/XX/XXXX & Transunion responded with a letter dated XX/XX/XXXX ( attached ) stating '' In accordance with section 605B of the FCRA, we have determined that your request has either a ) been made in error b ) is a misrepresentation of material fact relevant to the request to block/ and or C ) you have obtained possession of goods, services or money as a result of the transaction issue.

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 2022-09-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
The loan balance is paid in full. XXXX needs to update on all credit bureau reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.

Complaint:
This consumer reporting agency has intentionally locked me out of my consumer report. I am attempting to view my consumer report and not being allowed to access the report. I reached out to the the company and the agents were being rude, disrespectful, abusive and tried to charge me to access my own information. I am very frustrated, annoyed and confused as to why this consumer reporting agency conducts itself in such an inequitable manner. I am demanding that I receive my complete consumer report by mail and am allowed to access my consumer report online immediately as I have attempted a consumer credit transaction and was told that I had been denied due to adverse information contained in the consumer report from this consumer reporting agency. When

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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:
TransUnion credit reporting agency has been reporting inaccurate and misleading information on my report for several months now. In accordance to the Fair Credit Reporting Act 15 USC 1681 ( 3 ) TransUnion has a vital role in assembling and evaluating consumer credit, with a need to ensure they're exercising their grave responsibilities with fairness, impartiality, and respect for consumers PRIVACY 15 USC 1681 ( 4 ). TransUnion has not respected my rights, they were unfair, partial, and furnished these accounts without my consent. Pursuant to 15 USC 1681b ( 2 ) the CRA may only furnish in accordance with written instructions of the consumer, in which I did not give authorization nor consent. Remove these inaccurate accounts IMMEDIATELY and DO NOT open a dispute.

This is Aggravated Identity Theft per 18 USC 1028a, you're transferring and utilizing my information with these 3rd party debt collectors without lawful authority or giving the chance to opt out per 15 USC 6802 ( b ) ( 1 ) Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA. 
Please REMOVE fraud alert 48 hours AFTER initiation.

Block the information contained within the Identity Theft report & within this complaint in accordance with 15 USC 1681c-2, contained here is 1. Appropriate proof, my drivers license 2. The Identity Theft report 3. Information that shall be removed by law 4. My statement informing you this I the natural person/consumer have no info relating to transactions. Also in accordance to the IRS defines " Charge Offs '' as income and income should not be reported on a Consumer 's report, there was also no legal claim without validating the alleged debt, therefor no grounds to charge off.

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 2023-04-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.

Complaint:
Debt validation request was delivered on XX/XX/XXXX and I have not received the requested information within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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:
Experian- Is reporting XXXX XXXX on my acct. I've demanded them to remove it because it's a business account that was never created by me, which also lead to other accounts in my name and on my Bureau, that aren't mine. Upon contacting XXXX XXXX they've stated, I needed to simply contact the 3 reporting Bureau 's and it would be deleted. However the Bureau says they won't remove this information. I've been fired from my career over this information being on my credit and denied home loans because it dropped my score by XXXX points. Plus the Bureau have my social first number as XXXX, which alerts lenders of my race based on the first number being a XXXX or XXXX, so I've been told by a Bureau expert. 
I need these items removed from my report. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Spero Solutions, Inc.

Complaint:
Ive been paying XXXX  or XXXX  XXXX for about 2 years now and just found out it is a scam company! I am trying to get my money back! There is no contact number and the XXXX  cant help because they said no information on file.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below XXXX XXXX XXXX ACCOUNT NUMBER XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditors Specialty Northwest, Inc.

Complaint:
Creditors Specialty Northwest Inc. has sent me 3 written notices. None of which have included a statement describing my right to dispute the debt. The first notice instead states : " In your own best interest, we urge you to pay this account immediately. Please contact this office and make arrangements for taking care of this legal obligation. '' Put simply, they never provided a statement about my right to dispute. If anything, their first notice vaguely threatens that if I do not pay them, I will face legal consequences.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY

Complaint:
On XX/XX/2021 I was alerted via email by American Express that my credit limit on my AMEX Hilton card had been reduced from {$25000.00} to {$8000.00} which was just above my balance. I was shocked to read the secure message from American Express stating that the adverse action was due to my FICO score being XXXX. I do not have anything negative on my credit reports. I immediately pulled my FICO scores from both XXXX  as well as XXXX. These are true FICO scores. My XXXX  fico score is XXXX. I have attached proof of this to this complaint. I contacted XXXX  and spoke with a supervisor and she also confirmed that there was nothing negative on my credit report. She also stated that XXXX  did not do a soft account review inquiry on XXXX XXXX which is the date American Express states they performed the review that resulted in the credit limit decrease. There is nothing to dispute with XXXX, as the report is 100 percent accurate, including personal information, social security number and address. 

I spoke with multiple reps at American Express and was told that if I paid {$1800.00}, they would restore my Hitlon Amex limit of {$25000.00}. I have no problem with this, however it does not address the issue of American Express stating my credit score is XXXX. 

On XX/XX/XXXX, I used my American Express XXXX XXXX card and immediately received an email from AMEX stating that they had reduced this card from {$35000.00} to {$1000.00}. Of course, the same letter was attached via secure message as with Hilton, referring to the severely inaccurate XXXX FICO score. 
I called a CSR and was told to submit my FICO score via fax and they would consider reinstating my credit limit. 

My concern goes way beyond just restoring my credit limits. I want to know why and how American Express got the false information that my credit score is so low when it is not. The only thing I can think of is that I am an additional cardholder ( authorized user ) on a family member 's AMEX card that has the same last name as mine. I have been an additional card holder for close to 20 years without an issue. This family member is in good standing with AMEX but does have credit issues. They have stated that on THEIR Amex account page, their FICO shows as XXXX. I do not believe this is a coincidence. 
It is my belief that their FICO score was updated to my individual American Express account during an account review of their account. It really is the only explanation. 

I have a job where I have to maintain a good credit score. I take clients to business meeting dinners and would be humiliated to have my credit card declined due to false credit information. I am also preparing to refinance my mortgage. I have been stressed beyond belief and appreciate your help with this. I would like to use my American Express card with confidence again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems

Complaint:
This statement pertains to what has been deemed as Fraud. I have never contracted services with MIDWEST RECOVERY SYSTEMS on behalf of XXXX XXXX. This account just recently appeared on my personal credit report with no address and no account number to investigate further. Upon completing an online search XXXX XXXX is an illegal offshore payday loan lender and I would like you all to be aware of this scam and to take action as necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch

Complaint:
Since XX/XX/2020, Helvey & Associates, Inc at XXXX XXXX XXXX XXXX XXXX, IN XXXX has been sending me collection notices in the amount of {$280.00}. 

The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint:
My wallet was stolen from my purse at a XXXX XXXXXXXX CO restaurant around XXXXXXXX XXXX MDT on Sat, XXXX XX/XX/2018. I didn't find out until 30 min later, when I discovered the wallet was missing, and then the fraud alerts started coming in on my phone from my bank. The criminals used my 2 credit cards for approximately {$9000.00} and my debit card ( without the PIN ) for another {$1500.00}, until finally USAA bank shut everything down. The bank is doing the right thing with the credit cards, but the debit card charges have been decided as not fraud. I notified the bank within 30 min of the incident, and in fact the bank shut down the card when a second transaction was attempted on the debit card, before I called in. None of this should have occurred if the bank had followed my {$1000.00} transaction limits on all my cards, which I know were in force about 8 years ago when I tried to make a transaction above the limit. About 36 hours after this incident, I received the initial " not fraud '' determination, and I filed an appeal with full details of the events in writing a few hours after that ( well within 48 hours of the event ). When I received no reply within 24 hours, I called the bank and demanded an appeal, at which point my report ( that was in the system but ignored ) was added to the appeal. Then the final determination of fraud ( no further appeal ) came in on XX/XX/2018, saying I was liable for the full amount. Federal law ( Fair Credit Billing Act ) says that I am only liable for {$50.00} due to my timely reporting. In addition, I demanded an investigation into how this whole fiasco was allowed to occur despite my transaction limits. So far, no response. Please let me know what I should do for the next step, because all I can think of now is to hire a lawyer and take USAA bank to court for violating the law.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.

Complaint:
I have paid off the vehicle loan but the lender says I still owe {$85.00} dollars. They did not notify me of this balance due. They shut down my online access to the account so I can't see the status of my loan. They have not responded to written requests for explanation or verification of the balance due. They are now adding fees to the balance due and reporting the loan to the credit bureaus as delinquent.

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 2020-04-30
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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of  my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine  and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX {$310.00} XXXX XXXX XXXX {$520.00}

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 2023-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc

Complaint:
Hunter Warfield Put a collection for {$3200.00}. This collection should not be on. The Company XXXX XXXX Is Claiming I Owe them this money, This is false. I am under leagal cousel againt This XXXX XXXX. I have also filed a XXXX Descrimation case also, A HUD Complaint, And XXXX XXXX Attorney General Complaint. 
The fact is XXXX XXXX Apartments, At XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Owes me the amount of {$3200.00} I have notified The Collection Company Hunter Warfield to cease and desist and take the collection off all my credit Bureaus .They are breaking the laws Of the CONSUMER CREDIT PROTECTION ACT & Fair Credit Reporting Act, Harrasment of Me And My wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Genesis FS Card Services, Inc.

Complaint:
Spoke to customer service regarding credit card received that I did not apply for nor do I have any interest for credit card. There was approximately {$140.00} that was charged but it did not specify what the charge was. The gentleman I spoke with credited my so called credit card. About 2 weeks later I received a letter from Genesisfs card services requesting me to file an identity theft complaint and to provide Genesis a copy of the letter within 20 days.

Company response to consumer: Closed with explanation