hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/2022, I noticed on my XXXX Credit Report that there were information that is just inaccurate. The number is just way off what it needs to be, and it changes daily which is suspicious. I have addresses on accounts I never knew existed, and have never lived at. I have numbers on there that are not mine! These changes have been going on for a month, and have not stopped. I have tried reaching out to XXXX in order to investigate this, and put a stop to it via their website. I get a refusal from their customer support agent instead, saying that they do not handle such information and another party does. I have not authorized such sharing of information with another party! This is ridiculous! When I signed up on XXXX web site, I checked a box that tells me they respect my privacy. Being notified of that, now my information is exposed. I now have a 30 day late payment, 60 day late payment, other negatives that belong to someone else. This is a serious problem, and is improper. This is costing me ( {$600.00} ) a month just dealing with these inaccuracies on my credit report. 

Transunion has information that is not correct as well. Disputed this on the web site, only to get the same result. I received an auto reply from XXXX, and was told they are not receiving any more emails at the time, which I found highly confusing, because they are open and online a lot of the time, so I could not even get through to them. On my credit report, Transunion and XXXX information are certainly not the same as XXXX, and do not make sense. I am unauthorized on all three on the accounts, and having all this deceptive information is not okay. They are continuing to share my information, and they are continuing their deceptive practices. 

This is a violation of my right to privacy according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

I also did not give consent for my data to be shared, nor do I want it shared. According to 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 
I attempted reaching out to all three credit places about this, XXXX, Transunion, and XXXX, only to receive no help. So I am writing to you about this. My credit report is attached for reference. This is damaging my credit, hurting my finances, and causing me stress.

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 2020-11-12
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: CORELOGIC INC

Complaint:
CREDCO Mortgage Reporters Contact info XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX 2021

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 2023-02-03
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: Resurgent Capital Services L.P.

Complaint:
Bank did not set off the account. Debt has already been taken care of.. violations a.violation of Securities Exchange Act of 1934.

c. an adverse claim found at UCC 8-105 ( b ).

d. violation of 31 CFR 103.35 - FINANCIAL RECORDKEEPING AND REPORTING.

e. violation of 17 CFR 240.15c 1-2 - Fraud and misrepresentation.

f. violationof18USC1956 - Laundering of monetary instruments.

g. violation of 18 USC 1957- Engaging in monetary transactions in property derived from specified unlawful activity.

h. violation of 31 USC 5324 - Structuring transactions to evade reporting requirements.

1. violation of Truth and Lending Act Section 1640 ( h ).

J. violations is Anti-trust laws.

k. violation of the Uniform Deceptive Trade Practices Act.

1. violations in bank fraud.

m. violations in wire fraud.

n. violation of the Consumer Credit Cost Disclosure Act.

o. violation of False Advertising.

15 USC 1692a ( 6 ) ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.

( 15 USC 1692e ( 10 ) by using a false representation or deceptive means to collect or attempt to collect any debt.

15 USC 1692e ( 8 ) by communicating credit information, which is known to be false title 15 subsection 1666 this is a billing issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
In accourdance with the Fair Credit Reporting Act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

The Addresses Do Not belong on my Credit Report. 

XXXX  XXXX XXXX XXXX, XXXX PA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX, XXXX Nc XXXX These Telephone Numbers Do Not Belong on my credit report XXXX XXXX XXXX XXXX XXXX XXXX This employment Data does not belong on my credit report XXXX XXXX XXXX These Names Do Not Belong on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC

Complaint:
I received a letter from Enhanced Recovery Company that they are pursuing me for over {$800.00}. I sent a certified letter back to them requesting debt validation and the following information from them : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : They sent a bill from a 3rd party which still did not address what was requested from them or how thats shows I owe them specifically. I sent a second certified letter which they never responded to but instead reported this inaccurate info to the credit bureaus. I have never done business with Enhanced Recovery Company furthermore there is no signed contract with Enhanced Recovery Company. I have the right to demand to see a signed contract between myself and Enhanced Recovery Company as adding this invalidated info has negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
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:
Have written to Transunion, XXXX and XXXX 3 times in regards to XXXX XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX nor XXXX. IN regards to XXXX XXXX, above, this item was PAID and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies sent to all 3 credit reporting companies, above. ACCOUNT CLOSED 2013 AND PAID. I would request this be DELETED from my credit report as it 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 2023-05-11
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 am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
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: Bridgecrest Acceptance Corporation

Complaint:
Bridgecrest is reporting falsely every month on my XXXX  Credit Report. This account was closed due to a lemon vehicle that they sold me that did not work properly in 2009. It broke down on me several times within the years I had it. I filed many complaints with the company. Finally the transmission blew, I towed the car to them, and they refused to help other than to trade in for a another car with them. The transmission cost more than the car was worth. They sold the vehicle at auction {$2900.00}, then asked to negotiate for $ XXXX  years later after they had already ruined my credit. This account is closed, reappeared again, and every time I dispute it they Update the status with the current date. It was removed then popped up again! They started to report it every month as " failed to pay '' since my disputes. I humbly asked them to remove it since its passed over 6 years and its going to drop from my report, but they keep saying they will not. This vehicle never worked properly and was a hazard to my safety. It was a XXXX XXXX with constant problems and parts needed replacing all the time. They acknowledged this as every time there was an issue I called them. This account should be dropping soon and their reps threatened me that now it may stay on my credit for 10 years not 7? They stated the only ones that can remove it is XXXX   and to call them instead. Yet XXXX stated they are posting what Bridgecrest is reporting to them.

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 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
Reporting negative Information on my report. 
Says I have an open account this is false. 
Is accessing my personal information without consent. 
Negative information Reporting to extort payments. 
Never done business with company. 
Never gave consent for company to use my personal information. 
Never gave consent for company to report negative information. 
In collusion with alleged original creditor to extort payments.

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 2023-03-23
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 2022-09-17
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: EQUIFAX, INC.

Complaint:
I sent Equifax the attached letter on XXXX XXXX. Equifax received it XXXX XX/XX/22. The certified mail tracking number is XXXX. Equifax has defamed my character. Remove these accounts or I will bring legal action against Equifax for defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Incorrect information being reported to tri-bureaus. Would like to freeze consumer 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 2021-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.

Complaint:
XXXX XXXX XXXX ORIGINAL CREDITOR XXXX FOR {$2100.00} IS A RESULT OF IDENTITY THEFT HAS ALREADY BEEN DISPUTED AND REMOVED THROUGH EXPERIAN IT NOW APPEARS THROUGH THIS NEW COMPANY XXXX XXXX AND IS IDENTITY THEFT.

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 2021-05-02
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.

Complaint:
We received a XXXX  Vanilla Visa Prepaid debit card for our wedding on XX/XX/2022. One week later, on XX/XX/2022, the full XXXX had been emptied at a XXXX XXXX. We just noticed today that the card was empty, as it has been sitting in a drawer since our wedding and we have not made any purchases with it. Customer service at Vanilla was not helpful. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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:
A fraudulent account was opened with XXXX XXXX XXXX. 
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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company 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 2022-11-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because they are reported wrong. You should corroborate your information and remove the negative information on this account. nder Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the account corrected 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 2022-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.

Complaint:
I had a past due balance of {$710.00} which I paid in full XX/XX/XXXX. I received two finance charges on XX/XX/XXXX {$2.00} and {$3.00}. I called comenity XXXX in XXXX and the rep said she could reversed the charges. This didn't happen. In XXXX messaged XXXX  and XXXX XXXX the rep who responded to my inquiry said I was getting charged and I needed to pay. The same thing happened with my other comenity card at XXXX except they reversed the charges because I had paid the account in full. I had been and am getting charged two finance charges a month on each card. I thought having a 0 balance would mean no interest. comenity bank cards are the worst for interest taking advantage of people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX XXXX opened XX/XX/XXXX XXXX open balance XXXX XXXX XXXX XXXX reported XX/XX/XXXX XXXX open balance XXXX XXXX  reported XX/XX/XXXX XXXX reported balance XXXX XXXX reported XXXX XXXX XXXX XXXX  reported balance XXXX  reported XX/XX/XXXX XXXX XXXX  reported balance 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 non-monetary relief
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
in accordance with the fair credit Reporting act. the list of accounts below has violated my federally prortected consumer rights to privacy and confidentiality under 15 usc 1681. 
account name XXXX XXXX XXXX XXXX account name XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. account name XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX  has violated my right to privacy. 15 usc 1681 section 602 A. states i have the right to privacy. 15usc.C 1681 secction 604 A section 2 ; it also states a consummer reporting agency can not funnish 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 imformation any other adverse item of imformation, other than records of conviction 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 anformation relating to a consumer any consumer reporting agency if the person knows reasonable cause to believer 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 2020-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.

Complaint:
This weekend a company I have never heard of nor done business with, placed a {$3300.00} collection account on my credit report, for which I am confident I do not owe since Ive never heard of this company. Ive never received a letter from this company, which is a requirement under the FDCPA, so that I could properly dispute it along with the fact that Ive never received any phone calls from this company ... this leads me to believe that this alleged debt is falsely reported to my credit report, which could potentially have a negative impact on me. I would like this removed ASAP.

Company response to consumer: Closed with explanation