hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2018-12-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: REGIONS FINANCIAL CORPORATION

Complaint:
I contacted my auto lender to request that I receive monthly billing statements with payment coupons, after discharge of a personal bankruptcy. I explained to the lender 's agent that the USBC 's Federal rule against Debtor contacts are extinguished upon entry of an Order of Discharge, and that issuance of monthly loan statements should have already resumed. The lender has refused to provide updated payment application information, and have refused to accept my written request for monthly auto loan statements, with payment application information, current payoff amounts, and other information required to be disclosed in auto loan statements.

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 2020-05-26
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: Experian Information Solutions Inc.

Complaint:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$2700.00} XXXX  XXXX XXXX {$68.00} XXXX XXXX {$280.00} XXXX XXXX XXXX {$930.00} XXXX   XXXX  XXXX {$15000.00} XXXX XXXX {$970.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX {$780.00} XXXX   XXXX {$1000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2021-12-13
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: Experian Information Solutions Inc.

Complaint:
RE : Incorrect trade lines reporting To whom it may concern : I checked my report for accuracy and saw an account from XXXX XXXX XXXX for Original creditor : XXXX in the amount of {$1800.00}. 

According to the FCRA Section 609 ( a ) ( 1 ) ( A ), XXXX, XXXX and Experian are required by law to verify and validate all accounts reporting through physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable proof, an original signed contract with my signature, you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of the verifiable proof, you must remove the account listed above. 

I demand the following account XXXX XXXX XXXX for Original creditor : XXXX be removed within XXXX business days.

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 2023-01-08
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 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, 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 non-monetary relief
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL

Complaint:
I purchased furniture from XXXX XXXX XXXX in XXXX. I agreed to pay $ XXXX thru Synchrony bank for the cost of my purchase. I was told that the due date is the XXXX of each month. I have XXXX XXXX  records that I've paid as agreed. 

I was NOT told that a payment made prior to the XXXX of each month would be credited as a payment for the PREVIOUS month. XXXX is claiming that I have past due balances because my EARLY payments were credited as payments for the previous month. 

In a phone call between XXXX, myself, and a female in the XXXX accounting dept., the XXXX person explained why their system shows an erroneous past due balance. She said XXXX would erase/cancel the past due claims and advised me to just be sure I paid AFTER the XXXX of each month. 
I thought the issue was resolved, but XXXX is STILL making collection calls about this ERRONEOUS past due balance. My credit score has taken a big hit, and XXXX is the reason why. Please help.

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 2019-12-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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: Experian Information Solutions Inc.

Complaint:
I reached out to the auto loan lender and requested the late payment dated back in 2017 of XXXX be removed and I haven't received a response.

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 2020-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.

Complaint:
apparently pnc made changes that prohibits my atm round -ups from being deposited to my XXXX  account. This has probably caused my account to grow much slower than it should have these past few months. I thought there should have been more money saved on acorn but just received a message from XXXX  informing me of what pnc was doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
Experian has violated my Federally Protected rights under the FCRA. I have tried everything to rectify this issue and you failed have negligently and willfully failed to comply. So I am not disputing or no longer asking for substantial credible proof that you failed to provide, but I am now putting you on Notice to Cease and Desist Communication from me within 30 days including the removal of the accounts in the attachment. Failing to comply will result in Legal Matters in Federal Court. Not only has my livelihood been affected but my children as well. These injuries has caused me huge damages including mental anguish, and mental distress. My consumer report is suppose to be equitable and fair to me according to the FCRA and it has not been it has been used with Extortionate means for you to benefit from it. I never received disclosures from you according to the Gramm Leach Bliley Act, which is also 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 non-monetary relief
Consumer complaint received 2023-06-26
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.

Complaint:
XXXX XXXX, I contacted XXXX and was approved for a $ XXXX loan. I selected XXXX XXXX XXXX. XXXX XXXX ( salesperson ) said the car will be delivered within 14 days. 

- XX/XX/XXXX, I received a bill ( Chase ) for a payment due on XX/XX/XXXX. Why am getting charge and I did not receive the car? I contacted XXXX, a representative said, they will contact me within 48 hours. No response within 48 hours. 

- XX/XX/XXXX, the car was delivered. The driver has a language barrier ( Portuguese only ) so I had to go to the XXXX dealership to get instructions about the vehicle. 

-XXXX XXXX, I contacted XXXX XXXX Tier 2 rep said, someone, will contact me with 48 hours regarding the concerns listed below. 

1. I am getting a finance charge a finance fee since XX/XX/XXXX per Chase bank. 

2. The hybrid battery is dying quickly. 

3. Upon delivery, the car was very dirty ( inside & outside ) cracked in the front windshield -As of XX/XX/XXXX, I am still waiting on a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

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

Account name : XXXX XXXX XXXX XXXX  # XXXX ...., Account name : XXXX XXXX XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX XXXXXXXX... 
Account name : XXXX XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX XXXX  # XXXX .... 
Account name : 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 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 2022-09-23
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:
According to 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 Account : XXXX, XXXX XXXX Account : XXXX, XXXX XXXX  Account : XXXX, 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 : 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 with 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 non-monetary relief
Consumer complaint received 2018-08-27
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Despite two written requests, Capital One unverified item remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent re-investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
This is a request of PROOF OF CONTRACT to substantiate your claim. Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed. 
Specifically Naming " Capital One '' as an entity entitled to enforce a commercial claim against me. 
This debt is considered to be invalid until I receive proper validation and your office provide proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 


Account name XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account number XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you immediately delete this inaccurate information from my credit report. 




Thank you for your time and help in this matter. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL

Complaint:
I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 ; 30 DAYS LATE PAYMENT ; XXXX XXXX-30/60 DAYS LATE PAYMENT I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2022-06-03
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: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX # XXXX, Has violated my rights XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX, Has violated my rights XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 I have some inquiries that I didn't authorized and unaware of. 

The Inquiries are XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CO Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
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:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed XXXX XXXX {$2000.00} XXXX  XXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} Charge Off XXXX XXXX {$8200.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.

Complaint:
When I learned of this debt on my credit report I reached out to Easternaccos to send validation of this debt. They are reporting on my credit report that I owe {$3800.00} and I've never heard of this company. I never received a bill from them regarding this debt before adding it to my credit report. I have sent several letters certified and they haven't responded but they are still reporting to my credit report. My letter was sent certified and the tracking # shows my letter was delivered on XX/XX/XXXX, XXXXXXXX XXXX  NY XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation