hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-12-14
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: TENET HEALTHCARE CORPORATION

Complaint:
To whom it may concern : I am disputing the following accounts as an affidavit, I have contacted the state attorneys office, The FTC, filed a lawsuit against your company for falsely accusing me of owing your company, using my credit file without my consent which is violating my rights and several sections in The Fair Credit Act. 
XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # xxxx I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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: Genesis FS Card Services, Inc.

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2018-08-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rogers, Morris & Ziegler, LLP

Complaint:
A company by the name of XXXX submitted a lawsuit in XXXX XXXX Florida courts in the amount of {$19000.00} on XX/XX/2009 it was to late to file this lawsuit and I was not properly notified of the lawsuit and did not know it existed ... Years and years went past and I was not notified. I found out about this lawsuit after I purchased a vehicle, The Same company submitted for my license to be suspended in XX/XX/XXXX and I reached out to them to see what was going on and they never requested to meet with me, they demanded money. In XX/XX/XXXX I had to return my vehicle back to the finance company as a result of my license being suspended and tickets being issued for no license ... I began to research and came up with a company name XXXX  who is located out of state and posing as different congressman and congresswomen ... As a result.. XXXX closed down and transfered my information to someone name XXXX XXXX at Rodgers Morris and Zeigler located at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ... XXXX.. They left me with a suspended license and 3 tickets and filing for bankruptcy. Please look into this..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2017-09-09
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: EQUIFAX, INC.

Complaint:
My information was breached from Equifax without my consent, impacting my credit and allowing others access to my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.

Complaint:
Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
EQUIFAX has refused to accurately update my credit score. Over the past 6 months, EQUIFAX has refused to accurately update my credit file and all of the incorrect, negative information dropped my credit score in XX/XX/2017. Equifax was provided correct information, they still refused to accurately update my credit score back to the high ( A-B ) status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX 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 an 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 Also the credit bureaus took more than 30 days to complete my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Seattle Service Bureau, Inc

Complaint:
XXXX sent a bill that was the size of a post card, mistakenly was thrown away. Received call about debt, immediately paid XXXX once outstanding debt was realized ( paid XX/XX/2016 ). Have since rudely and aggressively been bothered by National Service Bureau to pay this debt which has already been paid. Have contacted XXXX 3 times and they have claimed to resolved this on their end, however, phone calls do n't cease and National Service Bereau keeps calling and forcefully telling me I need to pay something I 've already paid. I 've advised them to refer to XXXX, but they keep calling!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
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:
My information was shared without my consent and obtained in a way not allowed by law. 
I sent my first letter off XX/XX/XXXX, second letter on XX/XX/XXXX to remove accounts that are violating my rights and to remove inaccurate personal information that I do not want on my credit report, and third letter XX/XX/XXXX with an identity theft report and inaccurate personal information that the credit agencies are refusing to remove According to 15 usc 1681 I have the right to privacy and confidentiality.

Also according to 15 usc 6802, a financial institution is not allowed to share any of my private non public information with a non affiliated third party. 

These are clear violations of my rights as a federally protected consumer under title 15 chapter 41

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 2017-09-21
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:
THESE ARE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT, THAT IS BEING REPORTED. THERE WAS BREACH IN XXXX TO WERE MY INFORMATION WAS COMPROMISED. RESULTING IN THESE INQUIRIES TO ALL CREDIT REPORTING WITH XXXX, EXPERIAN AND XXXX. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX 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 2022-01-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Adler Wallach & Associates, Inc.

Complaint:
I have gotten repeated calls from AWA collections during the day and night. Every time I have spoken with them they threaten to take me to court or have me arrested for fraud which has caused so much XXXX  I don't eat can't sleep. They are very persistent and when I filed a complaint with XXXX  trying to tell them that this debt does not belong to me nor do I even know what it is for. All they did was update the information I was complaining about with AWA instead of removing it from my report because it was wrong

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/22 I disputed the accuracy of account XXXX XXXX XXXX XXXX # XXXX with TRANSUNION due to inaccurate information. TRANSUNION stated the account was properly investigated. I am disputing the validity of their " investigation '' because of the inaccurate and unverified information listed on the account. This is a violation of the FCRA. Also, the " Date of Last Activity '', " Date Reported '' and " Date Opened '' are inaccurate ( please see attached document of the two credit bureaus showing different dates ). These dates should match since the Credit Reporting agencies are supposed to get this information from the same creditor/lender/collection agency XXXX This is grounds for the removal of this inaccurate account from my credit report immediately. Furthermore, they have violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( i ) ( ii ). The law is very clear and states if items are inaccurate or can not be thoroughly verified, the Consumer Reporting agencies shall promptly delete the account from the consumer 's credit file. They have also violated my rights under 15 U.S.C Section 611 ( 2 ) ( a ). The law clearly states the Credit Reporting Agencies or Credit Bureaus have five days to notify me they have received my dispute- they did not.

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 2023-04-03
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:
XXXX XXXX  has furnished a collection on my credit reports and have no right per the consumer law, They have iilegaly obtained my non public personal information to furnish an account i have no knowledge of, they need to remove this from my credit reports immediately, they have not complied with my requests over the phone to send me any type of evidence to how i owe them or XXXX, to remind you a statement of transactions is not proof of anything but an account, Also XXXX is not even a company anymore it was acquired by XXXX XX/XX/XXXX of XXXX so how are you collecting on an account for a company that does not exist? You do not have my permission to furnish anything on my credit, I never gave permisiion for you to have or share my personal information and are subject to a XXXX fine in small claims for defamtion of charachter which i will persue in the XXXX XXXX court if this is not removed from my consumer reports within the next 30 business days, thank you. 
Some laws ive researched pertaining to my case 15 USC 1681 B SEC 604 Permissable purposes of consumer reports states any consumer agency may furnish a consumer report under the following circumstances and no other : 1 ) in response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connectionwith proceedingsbefore a Federal jury.

2 ) in accordanance with the written instructions of the consumer to whom it relates.

I did not give written authorization for this creditor to furnish any of my personal information, or share it with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I deposited {$60.00} cash into a Bank of America atm machine on XX/XX/22. Something happened with the atm I dont know if the money got stuck, but it said there was an error and I needed to call a number on the machine. It asked me how much was I depositing I typed in {$60.00}. The cash never came back out of the machine. When I checked my account the {$60.00} was there so I didnt call the bank to file a complaint. On XX/XX/22 I received a letter from Bank of America saying that it was a funds shortage on my deposit and they deducted {$50.00} from my bank account. I called to bank on XX/XX/22 and spoke to someone who said he made a claim on my behalf to get the money refunded. I waited 2 days and there was no evidence of a claim filed and I never got an email confirmation from the bank. I checked my online account and nothing showed a transaction dispute had been filed by customer service. I called on XX/XX/22 and talked to XXXX different people about my issue nobody could help me. They kept transferring me to different people and giving me different numbers to call. I have been a Bank of America customer for 23 years and Ive never had a problem like this luckily it was only {$50.00} that they took. I deposited more money like a week later with no issues. I just want my money refunded and Bank of America should have done a full investigation of the atm or branch before taking money from my account.

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 monetary relief
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
XXXX  inquires XXXX collection XXXX counsumer account XXXX inquires XXXX account Equifax Inquiries and Same accounts I've been XXXX since XXXX Inquiries and accounts are false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
I mailed Portfolio Recovery a certified letter in XXXX asking them to verify the debt they stated is owed. They sent letter stating the have the file electronic. I sent another letter asking them to verify the debt in XXXX and I have gotten no response. However they are still reporting the unverified debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UHG, LLC

Complaint:
I was receiving calls for collections on a loan for XXXX starting since XX/XX/XXXX on a loan opened in XXXX in my name that I did not sign for, I then noticed it appeared on my credit report under a different company so I did further investigation. It seemed as all the same info matched as the prior company that would call me, my family saying it was an emergency, I explained to the company that I did not apply for a loan I did not work the places listed as stated, I do not bank at the institution where the money was deposited to. I did not apply for a loan. Its not my loan. I have now filed 2 police reports of identity theft I have contacted the 3 major credit bureaus, I have filed an FTC  affidavit of fraud. I dont know what else to do but I will not stop I can tell you that. I will NOT pay for a loan that is NOT mine! I told the company who is trying to collect if they trace down the Name to bank account it was deposited in to, Maybe that would solve this whole mystery?

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 2022-07-19
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've disputed a XXXX XXXX account multiple times due to inaccurate reporting. I sent disputes via mail starting in 2020, disputing the account due to inaccurate reporting. Currently the status is reporting " Paid '' and " Derogatory '' between the credit bureaus. There are also other discrepancies reporting on my credit that are not correct and are inconsistent between the 3 credit bureaus. If I dispute and they come back " Accurate '' every time, then how are all 3 bureaus reporting differently? This is not FCRA reporting standards and is a violation.

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 2022-11-02
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:
I keep getting hard inquiries on my credit report for the past year. Last time I looked there was something like 30 of them on all three credit reporting agencies and they tell me you can not dispute it. They are not mine and I would like them all removed 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 explanation
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
Equifax Confirmation number XXXX states that Bankruptcy Case Number XXXX was deleted. This is dated on XX/XX/2019. I just spoke with an Equifax Rep that stated that it is still showing up on Equifax. My attorney has just mailed off a letter with the intent to sue. Equifax is reporting damaging information that states that it was already deleted and it hasn't been. Equifax has exactly 15 days and no longer to rectify this issue. I have already spoken to the Courthouse. They do not report information to the credit bureaus. They stated that a third party reports them. From what I understand, that is illegal because inaccurate information can be transcribed from the third party and has. I am not pleased. I spoke with 2 reps and a supposed supervisor. They were of no help.

Company response to consumer: Closed with non-monetary relief