hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
I am consumer XXXX XXXX XXXX. I am being federally violated by equifax and they are committing a crime pursuant to 15 usc 1681 ( b ) ( 2 ) I never gave written permission to equifax. I demand that the tradelines listed be deleted convergent outsource XX/XX/2021 XXXX XXXX XXXX XXXX. No consent is identity theft this company is infringing on my right to privacy. I did let the federal trade commission know that this crime is taking place. Equifax is not a bureau. pursuant to 15 usc 1601 103 ( b ) bureau - the term bureau means the bureau of consumer financial protection. pursuant to 15 usc 1681 c-2 block of information resulting from identity theft. ( a ) except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such an agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
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:
Inaccurate information about a charge off account from XXXX XXXX is reported on my credit report inaccurately. The date of account opened is reported inaccurately as well as the amount charged off. I would like for this account to be removed 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 explanation
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY

Complaint:
Wells Fargo would take money for fees and overdrafts.

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 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
Notice to agent is notice to principle notice to principle is notice to agent. 
After reviewing my credit reports I noticed that you are alleging that the following accounts are negative. 
without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore, you must remove all negative and adverse. 
remarks XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence. 
of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then. 
you must remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates

Complaint:
L J Ross Associates is trying to collect {$3000.00} that they claim I owe XXXX XXXX. As Ive already told XXXX XXXX umpteen times, the withdrawals from my checking account that make up this balance were not made by me! They are fraudulent transactions. I do NOT owe this money and Im not giving XXXX or this debt collection company XXXX XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : UNKNOWN # XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX, Company Inquiries 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 2019-09-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC

Complaint:
Repeated calls multiple times daily, including after hours calls. Informed them to please stop calling as I am on the do not call list and rep stated that is for telemarketers only ... .sorry ... NOT TRUE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint:
To Whom It May Concern : On XX/XX/2020, XXXX XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX  1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XXXX XXXX Account Number : XXXX For EXPERIAN 1. Validate Account XXXX Account Number : XXXX Please verify all   information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : 3XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 

For XXXX  1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX   Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
5. Validate Account XXXX XXXX  Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information 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 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BARCLAYS BANK DELAWARE

Complaint:
this company is reporting as a charge off and attempting to collect a debt even after providing proof of a chapter 7 discharge and a letter from my attorney. 

all three credit bearus have been notified and have not updated their records.

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 2022-02-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
THIS WAS FRAUD I SUBMITTED A REPORT ON THAT CREDIT CARD ALMOST TWO YEARS AGO AND THEY MUST OF SENT IT TO A DEBT COLLECTOR I HAVE HAD SEVERAL NEW NUMBER SINCE THEN AND NOW THEY HAVE THIS DEBT COLLECTORS CALLING MY NEW NUMBER. I WAS A VICTIM OF IDENTIFY THEFT SEVERAL TIMES AND TOLD THEM THIS INFORMATION SEVERAL TIMES. remove this from my credit immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
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:
You are my last chance because I want to have justice because I have found account that I do not recognize. I can not understand why I have fraud account in my report. I am used by someone and Its Identity theft issues I am sure. SO I am begging you to help me and delete this account because its killing my score.

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 2019-10-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.

Complaint:
Midland Funding reported a collection account on my credit. I asked for validation of the debt since I was not notified by Midland Funding that they were reporting anything on my credit. Midland ignores my request for validation, yet they continue to report this erroneous account on my credit. 
Midland Funding is in violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
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: Key 2 Recovery, Inc.

Complaint:
Previously I filed COMPLAINT ID XXXX in XX/XX/2021. The company responded that after contacting their client, the closed the account in their office. I have tried to get XXXX to remove this collection item from my credit report since it is not owed to their office but they refuse. I disputed with the cresit Bureaus and XXXX still has this listed as an active collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WEBSTER BANK, NATIONAL ASSOCIATION

Complaint:
Webster Bank allowed {$150000.00} in forged checks at a local branch without questioning the sudden change in banking habits of my elderly uncle. He was XXXX years old and never withdrew large amounts of money or wrote checks in large denominations. We have unsuccessfully been able to get Webster to reimburse the funds. The person responsible for the theft was arrested and prosecuted but the bank is not responding and Branch Managers are not helping us. The letter to the President of Webster bank remains unanswered as do our calls and questions. 
I have attached the letter to Webster Bank and copies of some of the forged checks that the Branch gave the police dept.

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: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I have opened a Secured Credit card credit limit {$300.00} dollars with Bank of America. I closed the account. however Bank of America shows the account charged off. I tried resolving this issue numerous times with bank of America and they have failed to attend to the issue. the have reported duplicate account one for {$160.00} dollars and one for {$160.00} dollars showing it as charged off. the question is this is secured account that means I have paid the {$300.00} dollars upfront and upon closing the account there should be nothing outstanding but bank of America think they can XXXX me because I am trying to rebuild my credit they think my resources are limited and I am not able to do anything about it. I want someone to explain one fact to me if this is in fact a secured credit card {$300.00} dollars collateral from my pocket what money do I owe them? and if I closed the account what fees duplicates slanding my credit for 5 years is crime that bank of america need to be fined and penalized under law. Bank of America is known to be a XXXX and a one of the most corrupted institutions in our country. I demand not only they remove their frivolous slanding accusations from my banking and credit report immediately as I demand that you would fine them for their reckless behavior

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 2020-10-09
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: JPMORGAN CHASE & CO.

Complaint:
I have noticed that they have placed some inquiries on my XXXX  credit file on the date listed below that I never authorized and your Person is therefore in violation of federal statute : 15 U.S. Code 1681b regarding Permissible Purpose for accessing consumer credit reports. Additionally, these inquiries are reporting verified to 3B but provided no verification of my authorization. 

JPMCB CARD XX/XX/XXXX ; JPMCB CARD XX/XX/XXXX ; JPMCB HL XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
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: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, Dept. Of Education Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX, has violated my rights.

15 USC 1681 602 ( A ) States I have the right to privacy.

15 USC 1681 604 ( A ) Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
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: Experian Information Solutions Inc.

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
The following Accounts : XXXX : Lease with 4 late payments in the past 12 months, most recently in XXXX. account. # XXXXXXXX XXXX XXXX XXXX collection for {$2700.00}. 
Account # XXXX XXXX XXXX XXXX Installment loan collection for {$2600.00}. 

XXXX XXXX XXXX collection for {$1200.00}. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  collection for {$1000.00}. Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  collection for {$1000.00}. 
account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX collection for {$1000.00}. 

XXXX XXXX : XXXX XXXX collection for {$340.00}. 

XXXXXXXX XXXX XXXX XXXX XXXX  collection for {$230.00}. 

XXXX XXXX : Secured loan collection for {$150.00}. 

XXXX XXXX XXXX XXXX XXXX  insurance collection for {$140.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.

Complaint:
The federal Stafford loan from XXXX XXXX  in XXXX XXXX in XXXX was approved for XXXX  Discharge on XX/XX/XXXX. The loan was then monitored for 3 years for continued XXXX. I met the 3-year period for XXXX XXXX XXXX XXXX. As of XX/XX/XXXX, the U.S. Department of Education and its loan servicer, Nelnet, noted that the loan was officially discharged and would not be subject to any further monitoring. Nelnet stated by letter that this loan would be reported as DISCHARGED. The loan was officially discharged more than 3 years ago. XXXX refused to note the correct status as discharged. XXXX  changed the status of the loan to PAST DUE with terms. The loan was never past due or late. The correct status is DISCHARGED. All of the other credit reporting agencies have removed the loan from their respective credit reports and they also do not post disconnected phone numbers and other inaccurate information. I am covered under the XXXX  XXXX  XXXX  XXXX  regarding unfair business practices and violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I recently obtained copies of my consumer report and noticed unauthorized inaccurate items reporting. I am well educated and highly intelligent and am very well aware of my rights as a consumer. The fair credit reporting act requires that you, the credit reporting agency, report accurate and or/correct account information within my credit file. These accounts do not belong to me. This means that you are reporting inaccurate information within my credit report. It is with this in mind that I request that these listed accounts and items be removed immediately. Pursuant to the FCRA Section 1681 c ( 2 ) Block of Information resulting from identity theft, you are required to block any information in my consumer file that is a result of identity theft, not later than four ( 4 ) business days after the date of receipt by such agency.

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 2023-04-27
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Direct Cash LLC

Complaint:
Hello, I have a loan with Direct Cash, LLC. I began working with a settlement company in XXXX and I revoked ach authorization. I called them and they asked for it in an email in written form. I provided them an email stating this on XX/XX/XXXX. However, I just saw that my account was charged on XX/XX/XXXX and XXXX despite revoking their authorization to charge 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 explanation
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report and to this day ( over 60 days later ), I have not received a response as of yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you've caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation