hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-12-28
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. XXXX XXXX XXXX XXXX XXXX U.S Department of Education : # 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 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 2021-09-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Glass Mountain Capital, LLC

Complaint:
I closed my account with XXXX in XX/XX/2020 However, they Did not follow my instructions and continued late fees and interest. 
Currently they havea fraudulent amount in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.

Complaint:
The late history should not be showing late because I think I paid on time. Please take your time to review this charge off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC

Complaint:
Called me at XXXX XXXX!!! Woke me up. I've told this company already that this is not me and the last four of our social doesn't match. At what point can I file a law suit??

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 2022-10-14
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: EQUIFAX, INC.

Complaint:
I sent a letter addressed to the 3 Credit Bureau requesting to conduct an investigation and correct the information being reported. The credit bureau must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE

Complaint:
On XX/XX/2020 there was a {$27.00} charge in the card. First off I dont know what card this even is I just pulled my report and have no recollection of getting a credit card from a bank in Delaware. 
On XX/XX/2020 it added another {$27.00} Im also unsure what this was for or why this happened. There was no attempt to reach out to me via phone or email. Which leads me to believe this card was opened illegally.

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 2022-04-19
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:
The credit companies are not complying with their own policies in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
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: ENCORE CAPITAL GROUP INC.

Complaint:
Midland Funding is representing that the debt has not been paid. Midland subcontracted the debt to XXXX XXXX and the account was settled. Midland then represents to the XXXX major bureaus that the account has not been paid. Midland also told me that the credit entry would be deleted once it was paid due to their policy that the debt was over 5 years old. The three credit bureaus are not investigating the disputes, they are simply saying that the debt was verified. Experian reported on XX/XX/XXXX that the debt exists. Contrary to the following : Congratulations, your Midland Funding LLC account is now settled! 

For your records, here are the details about your payment : On XX/XX/XXXX XXXX, you made a settlement payment of {$350.00}. You paid with a XXXX with last XXXX digits XXXX and expiration date XX/XX/XXXX. 
We are happy to confirm that this payment settles your balance with Midland Funding LLC. 

Provided that any payment you made is not returned unpaid, we will report to Midland Funding LLC that this account is settled and no further attempts will be made to collect on your account. 

Thanks for working with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I want the following accounts to be removed from my credit report asap. See the list here : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX. 
Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.

Complaint:
My name is XXXX XXXX I was recently a customer with chase bank. I had a roommate living with me for a significant amount of time and I had no knowledge that she had been keeping a note book of my information as well as stealing my cell phone that had information stored in it. She stole my phone and essentially used it to make 2 separate XXXX XXXX  she use this information to steal alot of money from my account and leave it over drawn. When I became aware of this I disputed the transactions. There were so many that it was done in several claims. In 5 or 6 I believe the disputes where mostly ruled in my favor but there was one that was not totaling XXXX dollars they closed my account and said I owed them these funds. My issue is that I don't understand how they could determine this if Evey other dispute was ruled in my favor it make no sense that I was denied this dispute but in every situation it was all the same information provided and nothing more. They also told me my account was closed but still accepted my work check into the account. Leaving me with out money. In my savings account I still had XXXX dollars they just took that money never issued a check and never subtracted the XXXX from what I supposedly owe

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
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:
A number of accounts that don't belong to me are been posted in my credit, that is when I learn that my identity has been stolen, upon reading about identity theft it says that I had to report this incident with the FTC and fill out a report with the items in question. further more according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent, unverified accounts must be removed. Please send me that information or remove these accounts from my credit, the law is very clear about this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC

Complaint:
Received a letter on XX/XX/XXXX from American Coradius International LLC claiming I owe XXXX, XXXX {$9400.00}. This is not my account and XXXX shows a XXXX balance for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
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:
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 name : 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 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 2023-07-27
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXXXXXX XXXX  XXXX Balance : {$600.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX  XXXX Balance : {$4500.00} XXXX XXXX Balance : {$390.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXXXXXX Balance : {$660.00} XXXXXXXX XXXXXXXX XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$73.00} XXXXXXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XX/XX/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 Balance : {$860.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Hello I have two late payments on my account which is not true I contacted capital one many times and they keep updating the same incorrect late payment from XX/XX/2017 a 30 day late payment and a 60 day late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group

Complaint:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed, and debt validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. 

This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. Your office failed to respond to this debt validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediatelyPlease provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

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 2017-10-21
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: NRA Group, LLC

Complaint:
I discovered this company had illegally reinserted a medical bill from XXXX XXXX on my credit file. You are required to notify me within XXXX days of inserting a previously deleted item. I did not receive such notification.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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/2022 I disputed negative inaccurate information on my consumer report and the items were not removed and I did not receive a proper response with in 30 days I am attaching the previously sent letters and the most recent letters as a final follow up. I have also enclosed information regarding accounts that should not be on my consumer report as well. I have also labeled the violations found by this company to my consumer report. 

This company is in violation of the following codes pursuant to Title 15 USC Chapter 41 as stated by congress : 15 USC 1681e ( b ) reporting 100 % Accuracy ( https : XXXX ) 15 USC 1681 ( a ) ( 4 ) Right to privacy ( https : XXXX ) 15 USC 1681b ( 2 ) Permissible purpose ( https : XXXX ) 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions of Transactions or Experiences https : XXXX I have attached my dispute letters and request immediate removal. 

I do not consent to e-Oscar or any means of automated system for verifying my disputes. 

I request the cfpb to enforce the laws violated pursuant to congress.

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 2022-12-21
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: EQUIFAX, INC.

Complaint:
I asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX XXXX. 

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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY

Complaint:
On my Wells Fargo Credit card ending in XXXX I had a credit balance of {$200.00}. I requested the {$200.00} balance be refunded to me either by check or transfer to my wells checking account. Wells fargo processed the refund of the amount owed to me to my checking account, but then charged me {$10.00} to refund the balance due to me. This was not a cash advance, this was a refund. I requested the {$10.00} fee they charged me to be credited, they stated they would credit the fee, then never did. 

From : Customer Service Sent : XX/XX/2019 XXXX XXXX  Subject : Re : RE : Re : RE : Re : Account questions or requests (  XXXX ) Dear XXXX XXXX : Thank you for contacting Wells Fargo. My name is XXXX, and I appreciate the opportunity to respond to your email. 

I would like to assure you that your concerns have been escalated to the highest level of email. 

I understand your concerns regarding the {$10.00} cash advance transaction finance charge posted on XX/XX/2019 for a cash advance to the checking account ending in XXXX. 

Because you are a valued customer, I credited your account in the amount of {$10.00}. A credit will appear on your 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 2023-01-30
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:
This is my numerous request that you delete this inaccurate information. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX 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 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