hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XX/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 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 
I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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

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 2021-05-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: S&S Physician Services, Inc.

Complaint:
XXXX XXXX XXXX XXXX has opened an account on my credit of {$1900.00}. I am unaware of this charge and I would like it disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
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:
I have a real estate mortgage loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX   reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.

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 2018-01-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc.

Complaint:
Opened : XX/XX/2014 ( 3 yrs, 7 mos )  Amount : {$710.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA I called already. I had insurance when I went to XXXX XXXX, and they even got me signed a medical bill waiver because I used to have XXXX all the time too often. So what's this debt about??? 
I need these bills that are not recognized to be removed, I can't do nothing because of those unknown medical bills. It's not fair ...

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: Incorrect information on your report — Old information reappears or never goes away
Company: Atlanticus Services Corporation

Complaint:
On XX/XX/22 the company stated they would have their trade line deleted from all consumer reports, however that has not occurred. Instead the CRAs are stating the account has been verified. How is the account being verified when the company failed to provide me with validation of the inaccurate reporting? Ive asked to be sent line by line itemization of how and when my credit limit increased from {$350.00} to over {$1000.00} and have not been sent anything. The company states they are not able to provide any assistance to this account because its not in their possession.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC

Complaint:
so i pay XXXX to this company, after a few attempts to get a proof of debt, i receive the same bill 4 times. none on them explain the amount own, so for almost 3 month i been dealing with the collection agency to get a refund of the amount i already pay, because they couldn't proof the i own the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FAIR COLLECTIONS & OUTSOURCING, INC.

Complaint:
Good Morning, This debt has been settled and paid multiple times. However Fair Collections and Out continues this fraudulent behavior. I have tried contacting them, along with XXXX. These were all settled in XXXX or XXXX. For {$1700.00} {$2700.00} and {$2000.00} which were negotiated and paid with XXXX XXXX XXXX in XXXX XXXX. This has caused me to go XXXX because of greed.

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 2022-03-08
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 am being violated by TransUnion as they are reporting information on my consumer report not in accordance with my written instructions infringing upon my rights as a consumer pursuant to 15 USC 1681. I have sent them an affidavit of truth stating the issues and how to immediately remedy the situation. I have received no response.

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 2021-04-06
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: CL Holdings LLC

Complaint:
On XX/XX/2020, Jefferson Capital System add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditors did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate a debt and anybody can send a bill and say it's mine. According to the FCRA, Jefferson Capital System has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2016-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC

Complaint:
XXXX XXXX XXXX purchased an account from XXXX XXXX and has Dynamic Recovery Solutions trying to collect on an account that is from XXXX that I paid to XXXX. XXXX XXXX XXXX is reporting this account on my Credit reports with the XXXX Credit Reporting Agencies and told me to contact Dynamic Recovery Solutions who told me that the account was sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX. XXXX is reporting that this account was opened on XXXX/XXXX/XXXX which is not true and a violation of the FCRA. I was never notified as required by the FCRA, FCDPA before this account was reported on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.

Complaint:
I want to report some fraudulent inquiries that are on my Equifax credit report and I want them to be deleted as soon as possible. They have been laying and sending me papers saying that the fraudulent inquiries have been deleted but they are still on my credit. Here are the fraudulent inquiries : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
This is the second incident with Capital One. Even when paid in full, they add interest. 
I am now at an impasse with a payoff from XX/XX/XXXX. I pulled the info from the on-line information. The balance was paid in full as of posting thru XX/XX/2021. Now they have sent me a statement for $ XXXX Not the balance after the payment and insisting that the information posted on XXXX was correct. There is no way it was correct. I asked for a statement thru XXXX and was told they could not provide it. " No way we could provide that '' ... to be exact. I want to know what additional charges equalled XXXX. I want to see it in writing. I know there were additional chages equal to $ XXXX {$400.00} but not {$990.00}. I am asking for your help to get the documentation. Your assistance is most appreciated. Thank you. XXXX XXXX XXXX / phone XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Midwest Service Bureau, Inc.

Complaint:
MIDWEST SERVICE BUREAU, INC CALLED MY PHONE NUMBER XXXX. MY NUMBER IS LISTED ON THE XXXX REGISTRY. THEY ASKED FOR XXXX AND I TOLD THEM THIS IS MY PHONE NUMBER WHICH I HAVE HAD FOR SEVERAL YEARS NOW AND I DO NOT KNOW A XXXX. I ASKED SEVERAL TIMES FOR THE COMPANY NAME BUT THE EMPLOYEE XXXX REFUSED TO GIVE ME THE COMPANY NAME, TOLD ME IT WAS A WRONG NUMBER DIALED AND HUNG UP ON ME AS I WAS TALKING ( ASKING FOR THE COMPANY NAME AGAIN ). I HAVE BEEN RECEIVING CALLS FOR YEARS NOW ON THIS PHONE PERSONS CALLING FOR XXXX, I DO NOT KNOW HER AND I HAVE ALWAYS TOLD THEM MY NAME AND THAT THIS PHONE NUMBER BELONGS TO ME. MIDWEST SHOULD HAVE SEEN ON THEIR NOTES IN THE FILE THAT THIS PHONE NUMBER DOES NOT BELONG TO XXXX ANYMORE AND A SKIP TRACING WOULD HAVE SHOWN THAT THE NUMBER HAS CHANGED HANDS, BEEN RECYCLED AND IT NOW BELONGS TO SOMEONE ELSE, ME XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
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:
equifax, XXXX  and XXXX  has inaccurate information on my credit reports. they refuse to delete. this information is not mine and has been deleted from the other credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.

Complaint:
CREDIT COLLECTION SERV is listed on my credit report under collections account. Ive reported that this account does not belong to me through XXXX dispute and its still on my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX Account # XXXX, XXXX  XXXX, 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known, or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
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 a five disputes to the following credit companies. Experian, XXXX and XXXX, dated XX/XX/2021 and the companies are not complying to their own policies in a timely manner.

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 2021-05-23
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 checked my credit report and saw two late payments reported for XXXX and XX/XX/2019. I contacted capital one to let them know I needed the payment plan for a couple months as a transitioned to a new job after the death of my wife. I never received any correspondence via email or by mail so I assumed everything was copacetic. Now im in the process of purchasing a new home for my kids since their mother passed away due to XXXX and these late payments appeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
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:
Someone in XXXX  and TransUnion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX, XXXX XXXX XXXX, XXXX gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 

My correct address is XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX My name is XXXX XXXX My phone number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$440.00} XXXX XXXX {$17000.00} XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$540.00} XXXX   XXXX {$700.00} XXXX XXXX XXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GOLDMAN SACHS BANK USA

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against GOLDMAN SACHS XXXX XXXX XXXX for committing identity theft. I have never given GOLDMAN SACHS XXXX XXXX XXXX  any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under XXXX XXXX XXXX XXXX ( XXXX ). 

I have never received any documentation requesting validation from GOLDMAN SACHS XXXX XXXX XXXX before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to XXXX XXXX Code XXXX ( XXXX ) which the FTC defines as debt parking. If GOLDMAN SACHS XXXX XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

The status of this account reporting as a XXXX XXXX is an inaccurate account, which is a violation of XXXX XXXX XXXX XXXX ( b ). 
The continued reporting of this inaccurate information is a clear violation XXXX XXXX XXXX XXXX your responsibilities as a furnish ofinformation & XXXX XXXX XXXX XXXX ( b ). 


I am legally refusing to pay this debt pursuant to XXXX ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until GOLDMAN SACHS XXXX XXXX XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and GOLDMAN SACHS XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and GOLDMAN SACHS XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to XXXX XXXX XXXX, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation