hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I was denied by XXXX XXXX XXXX and I went and looked at my credit and I still see items on there that are not mine. I have reached out before and thought it was taken care of Please remove these accounts from my credit so i can do what I need to do for my family. There is an account with no name but the account # XXXX, 1 XXXX XXXX XXXX XXXXXXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I noticed some inquiries as well that are not mine. I contacted the FTC and local police.

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 2022-10-03
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: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX, account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX 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

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 2020-02-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.

Complaint:
I have in my possession evidences and proof that show actions of common law fraud, unjust enrichment, and restitution ; Fair Debt Collection Practices Act ( FDCPA ) violations ; Fair Credit Reporting Act ( FCRA ) violations ; counts of Racketeer Influenced and Corrupt Organizations Act ( RICO ) violations, GRAMMLEACHBLILEY ACT ( GLBA ) violations and CCPA ( California Consumer Privacy Act ) by all parties involved listed above. 

XXXX XXXX, I received a copy of my full credit report via XXXX and noticed immediately, major errors with four accounts associated with the name or variations of the name XXXX XXXX, Resurgent and 12 XXXX  XXXX. I wrote letters via Certified mail requesting validation of the four separate entities that were listed as they were respectfully listed. Please be advised that the information reported about these three accounts was purposely entered to be misleading, incorrect and incomplete. 

XXXX XXXX website states this account was never assigned to Sherman Originator III, LLC. As stated on XXXX XXXX records for the account ending in XXXX, it is stated Your account has been charged off and has been acquired by another party. Blacks Law Dictionary Second Edition defines the term, Acquire as, The action of buying or gaining the possession of property. That party is listed Sherman Originator III LLC, - XXXX. 

Sherman Originator III LLC failed in their legal obligated duty as debt buyers to notify me when they purchased my debt from XXXX XXXX ( along with my nonpublic Personal Information ). This notice would have allowed me a window to dispute any duplicate accounts or validity. Subsequently, by not being disputed, they then became account stated. Meaning they created a new contract unbeknownst to me with Sherman Originator III LLC for every tradeline listed on my credit report. Fortunately, I did dispute these accounts during that time with XXXX XXXX. XXXX XXXX had the tradeline XXXX XXXX XXXX USA removed from XXXX and XXXX  but remained on XXXX. This is the reason why when I received my credit report on XXXX XXXX, the account listed as, 12 XXXX  XXXX XXXX, the comment says disputed my customer. The name was just changed. 

Sherman Originator III LLC, currently has 86 companies and 74 people registered at the address of XXXX XXXX XXXX XXXX, SC XXXX, all of who seem to operate and function in different roles in each different company, all who of which are to be included but not limited to being included in this notice of intent to sue .The Sherman Group owns XXXX XXXX XXXX , where XXXX XXXX is CEO/Owner/Founder, Sherman Financial Group plus others,. This confusing chain of ownership is proof beyond unreasonable doubt that alter egos of these companies exist and the principle business of the affiliates is debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the Right to privacy 15 USC 1681 604 A. Section 2 : states a consumer reporting agency can not furnish a Account without my written instructions 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing the following : Adverse item information other than records of conviction of crime that antidotes the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, 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:
On XX/XX/2021 I entered into the XXXX XXXX XXXX XXXX location with the intentions of purchasing a new/used vehicle .Upon making the decision on which vehicle I wanted I sat down with a sells rep to speak about my options. I advised the sells rep that I would be using my own funding from my credit union. A few months later I received a copy of my credit reports at which time I contacted the dealership as well as all companies that I had inquires from via phone, mail, as well as speaking with the Finance manager at XXXX XXXX XXXX XXXX in person who would constantly advise me to call the other companies. Many of the companies have stated that they have never had any of my personal information on file. The companies as well as the credit bureaus who said to contact the dealership. I have strong belief that my credit information as been leaked. Since then I have had multiple credit inquires report on my credit. Although I have tried to solve these problems on my own and have followed every protocol these companies have shown me less that the minimal customer service. During this entire process I have felt very unvalued as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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:
On XX/XX/2023 I printed a copy of my credit report from Trans Unions website. As I was looking over the report I identified some employer information that does not belong me. I have never been employed by the following employers. 

XXXX XXXX XXXX XXXX XXXX Please removed these employers from my credit report immediately.

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 2023-04-11
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 Credit Reporting Act XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, 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 an 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 non-monetary relief
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BMW Financial Services NA, LLC

Complaint:
BMW has made an inquiry on my report which I did not authorize. I have tried to contact BMW with the address they have provided XXXX and the address is wrong. I have sent many correspondence to XXXX and BMW and BMW has not replied to any.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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:
The payment status for Comenityvank Victoria secret last XXXX # XXXX is listed as current account/ was delinquent 60 days past due date. 

In accordance with the fair credit Reporting act Community Bank/Victorias Secret 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 a payment on a credit card account under ar open end consumer credit plan as late for gi % purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.

Complaint:
On XX/XX/2020 XXXX @ XXXX XXXX XXXX XXXX extension XXXX called my husband 's family members On XX/XX/2020 called my place of employment 5 times before XXXXpm harassing my coworkers for my information. 

This company is claiming I owe school loan debt that was paid back over 5 years ago. 

I will lose my job if they continue to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.

Complaint:
On XX/XX/XXXX, Midland Funding LLC filed a false claim against me in the District Court of Maryland   for XXXX XXXX stating they were the owner of an account I had with XXXX XXXX   in the amount of {$1000.00}. An Affidavit of Service was filed with the court made with false statements that the Process Server personally served me on XX/XX/XXXX, which is completely false. I was never served by this processor. A Bill of Sale was filed with the Courts which was dated XX/XX/XXXX and stated it is by and between XXXX XXXX XXXX , XXXX, a XXXX   XXXX XXXX XXXX ( the " Seller '' ), and Midland Funding LLC, a XXXX XXXX XXXX XXXX ( the " Buyer '' ). The Bill of Sale is clearly from a junk debt buyer and does not mention my name, social security number, and original credit account with XXXX XXXX. Midland Funding LLC is not the legal account owner of any accounts I previously had with XXXX XXXX. I was not an educated consumer and was intimidated after finding out I had a judgment against me and was receiving a notification that my wages were going to be garnished in XXXX of XXXX and I contacted the Attorneys, XXXX XXXX XXXX  XXXX, who represented Midland Funding LLC according to the notice I received. I made payments to avoid a garnishment after the law firm used deceptive tactics to make me believe I owed them money. I had a lot of financial difficulties and could not afford to make payments continuously. I was not aware that Midland Funding LLC was not the legal owner of my account until recently after my wages were garnished and I started doing legal research and found out Midland Funding LLC had violated the Consumer Financial Protection Act of 2010, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. Midland Funding and the attorneys representing them did not verify that the records, including the Bill of Sale were accurate and legal before filing a lawsuit against me and causing me mental anguish and emotional distress by garnishing my wages. They will not attempt to prove standing and are now refusing to provide me documentation I am requesting to prove they are the legal owner of my account and had a legal license as a collection agency in the State of Maryland.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Please remove fraudulant inquiries:
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 2018-04-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Wilber and Associates, P.C.

Complaint:
on XX/XX/ i received a collection letter from wilber and associates claiming i owed {$28000.00} not knowing what this was about i called the agency and they explained that they are attempting to collect money paid out by an insurance agency due to flood damage and stated that i stole copper plumbing and flooded a home that i recently moved out of. i at that point explained that i absolutely had nothing to do with any type of theft or damaging and at that point the female collector became very loud and aggressive i at that point told her to cease and desist my telephone number and hung up. onXX/XX/XXXX i received a phone call from wilber and associates yet again and it was the same collector. i stated we had already discussed this matter and it was false claims and to once again cease and desist my telephone number and hung up. on XX/XX/ i received yet another call from wilber and associates this time it was a male collector i advised him that i had already spoken to his office twice now and that the claim was false he at that point became extremely aggressive and threatening me that i am going to pay this and take responsibility. i advised him that i had previously on a recorded line asked for this agency to cease and desist and that i am telling him this as well he in reply said he will call me every single day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
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: CITIBANK, N.A.

Complaint:
While checking my credit report, I notice an account from CITI that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I sent them a final certify letter on XX/XX/XXXX, see attached, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, see attached, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that CITI is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2019-10-17
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:
PLEASE PROVIDE ME WILL FULL ACCURATE REASONS AS TO WHY THE NEGATIVELY REPORTING ACCOUNT FOR XXXX XXXX WHICH LOOKS LIKE A CHARGE OFF FROM 2007, IS STILL REPORTING ON ALL THREE OF MY CREDIT REPORTS? THIS IS NOT FAIR THAT NO ONE HAS A GIVEN ME A REASON AS TO WHY THIS ACCOUNT REMAINS ON HERE. I REALIZED AFTER SEVERAL ATTEMPTS AT DISPUTING THIS ACCOUNT NOTHING HAS BEEN DONE ABOUT THIS MATTER. NOTHING HAS CHANGED AND I NEED TO GET THIS NEGATIVE ACCOUNT REMOVED FROM MY CREDIT REPORT, I HAVE GOALS I NEED AND WANT TO ACHIEVE AND THIS IS REALLY HOLDING ME BACK.

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 2022-01-13
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:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Charge Off XXXX XXXX  XXXX XXXX {$1800.00} XXXX XXXXXXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$8700.00} Collection XXXX XXXX XXXX XXXX {$980.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
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 sent a dispute letter on XX/XX/2020 about the inaccurate and wrong things on my credit report. Its been over 40 days and I have not received any word back about my credit report. I think I'm being ignored and my dispute is being disregarded. 611 ( a ) States that if a credit reporting company has not completed an investigation in 30 days the information being disputed should be deleted. Its been over 40 days, so I demand that these accounts be deleted at once or I will file for litigation due to the hardship Ive had to experience. My information was also impacted by the XXXX  data breach and may have gotten into the wrong hands.

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 2022-03-01
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:
This is XXXX XXXX XXXX and this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance {$990.00} XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX Balance - Bankruptcy chapter XXXX Reference Number 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