hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-09-12
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:
I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

Equifax is govern b

y 15 USC 1681 and they have voilated my rights numerous times. I demand the accounts listed below removed. According to 15 USC 1681 : I have rhe right to privacy and I didn't give equifax permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 2023-08-27
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX Card : # XXXX, XXXX Card : # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
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: RentDebt Automated Collections, LLC

Complaint:
The debt that is owed does not belong to me. I have requested documents that show I am responsible for this debt in a timely manner. The collection agency assigned failed to do so. I was provided with documentation which included a computerized signature. I had no knowledge of this document nor did I approve for my name to be on this document. The signature is not mine therefore the debt should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint:
XXXX XXXX, This is a follow up of complaint made yesterday. Complaint Number XXXX XXXX has again charged fees for overdraft without providing credit for returned payment. 

They again charged overdraft fee for another transaction This is the third overdraft fee they have charged for the same incident. 

Their first 2 overdraft fees of XXXX $ has caused my bank balance to go into negative. Again they conveniently charged fees by exploitating my situation. 

So they have charged a total of {$100.00} for the same incident. 

Following is email received at XXXX XXXX  I.S.T On XX/XX/2021 your available balance for your Wells Fargo account XXXX was insufficient to cover the following transactions. 
Transaction Description Amount Action Fee BILL PAY XXXX XXXX XXXX, XXXX ON-LINE No Account Number ON XXXX {$80.00} PAID {$35.00} Total Fee ( s ) : {$35.00}

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 2022-04-11
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 Reporting act XXXX XXXXXXXX XXXXaccountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions

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 2017-12-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
I requested validation of debt from this company for two accounts listed on my credit report. In their documentation, they 've failed to establish standing for both accounts by failing to provide a copy of a signed agreement between myself and the original creditor, and also failed to establish complete account history. I disputed the accounts via the credit bureaus and received a status of " resolved, consumer disagrees '' at which point my credit file was also updated with monthly reportings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
In accordance with the fair credit reporting act XXXX  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 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A Creditor may not treat a payment on a credit account under an open en consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.

Complaint:
Chase card services sent me my XXXX statement with a value listed as Interest Saving Balance that states pay this amount to avoid interest on your next statement. The amount was listed at {$5100.00}. The amount was paid before my listed due date on XX/XX/2020. Yet on my XX/XX/XXXX statement I was charged interest in the amount of XXXX. I believe this interest should not have been charged as I paid the listed amount to avoid the interest charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BYL Collection Services

Complaint:
This is another account, XX/XX/2020, that I informed the bureaus I wasn't so sure about belonging to me. The address associated with the account, isn't my address. I then called the company, " XXXX XXXX '' in XXXX, and they stated all communications must be done with " BYL COLLECTION SERVIC '' in regards to the account in question. I sent another dispute in XXXX to the bureaus, which returned " verified as accurate ''. I need to see the contract ( that was all I asked for the second round ) of the account they're referring to, because I am in the same location as I've been in for years. My last phone call with XXXX XXXX was XX/XX/XXXX and they stood firm that " Any and all documentation in regards to the account was now in " BYL COLLECTION SERVIC '' possession.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
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: Experian Information Solutions Inc.

Complaint:
SOMEONE STOLE MY IDENTITY AND USE IT ON SEVERAL TIMES TO OPEN UP AUTO LOANS BANK ACCOUNTS AND UTILTY ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX   and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-07-04
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2022-11-03
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: EQUIFAX, INC.

Complaint:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
XXXX XXXX XXXX XXXX ( g ) validation of debt XXXX XXXX XXXX XXXX harassment and abuse XXXX XXXX XXXX XXXX False or misleading representations XXXX XXXX XXXX XXXX practices Under XXXX XXXX XXXX XXXX civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
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 recently checked my credit and noticed many accounts that I do not recognize such as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX etc. I have never authorized any of these accounts nor done business with them. I believe someone has been using my information to get credit and things with it and now my credit is destroyed. Please help me get this matter resolved and my credit cleared as you will see these do not belong to me. 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 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint:
My name, address, phone are all wrong across all credit reporting agencies and its affecting my ability to obtain credit for car and home.

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 2017-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC

Complaint:
I had XXXX for some years. So they offered me a package to watch for being a good customer. The only terms was I was to cancel the package before the ending period..which i did. 
But XXXX still charged me for the package that I canceled before the ending date..this account is over 6 years old now. 
Also it 's the 3 or 4th time that they are trying to collect a debt that I do not owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC

Complaint:
This was an invalid charge from XXXX years ago. I have never had any agreement or contract with XXXX XXXX. The basis of this dispute is that I just pulled a credit report. I received no notices by mail, email or phone. I had sent substantial amounts of documentation several years ago when this XXXX came up which proves the debt invalid which I still have available. XXXX, XXXX and XXXX have all received this documentation and only XXXX does not report this new collection but old account now. My XXXX Score is XXXX and XXXX now at XXXX which should demonstrate the kind of damage this kind of wreckless credit reporting can cause someone. 

The subsequent attachment is from XXXX and the initial issue at the time was I was sold internet with a TV package " add on '' and later told I could not receive internet. There was also a XXXX day cancellation policy with XXXX, but they have been hounding me for years on a contract I never had and never used with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.

Complaint:
XXXX XXXX XXXX. 
XX/XX/2020. 

To : CFPB. 

I received an e-mail on XX/XX/2020. 
It looked like it was from CHASE credit card. It said : Urgent : of in-line Banking information. and We have detected an irregular activity on your account and we are placing a hold on your account for your protection. Click Here to verify your account. 
My husband clicked on it and disclosed my name, address, Date of birth, SS number, Drivers ID no. Chasecredit card Password, telephone no. Etc. The information went to the sender. I then called CHASE and told them what happened. They said it was fraud. 
They canceled our credit cards and promised new cards. We changed our password. 
We are afraid of what might happen to us. 
We want your advice please. 
XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.

Complaint:
As of XXXX XXXX, 2017, the public was notified by Equifax of a massive data breach of over 143 Million records, including SSN, credit history, and many other sensitive matters. Equifax has provided a toll-free number for assistance ( that either does n't answer, puts you on perpetual hold, or connects you to a person who can not tell you if you are affected, or not. Equifax also has provided a website to allow a person to ( 1 ) identify if they are part of the data breach and ( 2 ) optionally enroll in a free 1-year subscription to XXXX to track credit activity. Following the information request process on the website does NOT tell me whether I was affected or not -- it just skips that point entirely. And the enrollment is delayed until X/XX/2017. News services describing this event have also complained of a hidden feature of this service that may prohibit class action lawsuit and force subscriber into arbitration instead ( I would have to mail in a letter within first 30 days of sign-up, to void the mandatory arbitration clause ). This is a horrible response to their problem that was detected over 3 months ago, but made public only yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
On XX/XX/ 2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.

Complaint:
When I was contacted by Credit Management LP, I was informed of my debt but was instructed that should I make payment arrangements and held true to those arrangements that the debt would not be reported to the credit bureaus. Once I made my final payment on time, it was reported to the credit bureaus not only that it was a collection account but that it was late. I have since disputed with This with the bureaus, but it remains on my credit as a collection account when it should not have been reported at all per my agreement with Credit MAnagement LP

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-09-21
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX Open Date XX/XX/2019 Balance : {$0.00}

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 2022-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint:
I was locked out of my USaa account and I called to unlock it. I was told it was unlocked and I would have to pay a free for an altered check. I had not done any check deposits, etc. several checks were deposited and most of them were the same. Funds were also deposited and not alerted as fraud. Now my account is locked down and I have no money for my husbands XXXX treatments. I was not given any provisional credit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation