hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Couch Lambert LLC

Complaint:
I didn't receive information about the attempt to collect the debt and wasn't afforded the chance to settle the debt, and was blindly sued by ; Plaintiff ( s ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Attorney XXXX XXXX XXXX Couch Lambert LLC, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX Case number XXXX Court XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Texas XXXX XX/XX/2022, I was served with the citation and called Couch Lambert LLC at XXXXXXXX XXXX. I spoke with XXXX XXXX and was told they sent a demand letter by mail. I responded that all of my information remained the same and that the mail must not have reached me and was maybe lost, but I did not receive it. I also mentioned that a lawsuit without first calling me to settle the debt is a bad business practice and has brought me more stress, especially since I am an unemployable 100 % XXXX veteran and that my only source of income is VA benefits and a Department of Defense annuity. She further requested that I send my bank statements to their attorneys for review. 

This is a bad business practice, and not only that, I am being put through unnecessary pain and suffering the fact that I have a medical condition such as XXXX XXXXXXXX that is being triggered by their lack of due diligence. All XXXX had to reach out instead of the unnecessary lawsuit without exhausting all means to settle the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS

Complaint:
on 2 separate occasions i sent Lexis Nexis a certified letter requesting a security freeze be placed on my data. I also called them twice because I never received written confirmation that my request was processed and completed. On both occasions that i did speak with one of their reps they assured me my request was processed and they would send me either a letter in the mail or an email confirming my request was in fact taken care  of. I never received either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
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:
I was notified of a derogatory mark on my credit report by my credit monitoring service. I pulled my report called the debt collection company and got the original debtors info. I called and found out it was a medical bill for my minor son who was living with his mother, my ex wi

fe ( custodial parent ) at that time. The medical billing department stated they billed me because I carried the insura
nce. The sent all bills to my ex wife 's address as that was the address they had on file. She never paid or notified me of any bill that came to her address. She signed the financial responsibility papers when taking him to the Dr . I gladly paid the billing department directly and was told before hand that it would remove it from my credit report.

As I was never properly notified of the debt how could it be a late payment on my part? I am being punished by an error on the doctors office. Both the credit reporting agency, Experian and the collector. XXXX XXXX XXXX will not do anything about it after 2 appeals.

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 2018-12-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.

Complaint:
On XX/XX/XXXX I went to XXXX Hospital XXXX. At the time of this visit, I was an employee of the Hospital System. I carried the employer sponsored insurance plan as my primary insurance as well as Florida State XXXX. When asked, I presented both insurance cards to the hospital 's registration representative for billing purposes. I also presented, by State ID & signed authorization 's to treat & bill my insurance. My primary insurance, the employer sponsored, paid {$0.00} & applied {$810.00} to my in network deductible, which left {$810.00} left payable by my secondary insurance, Florida XXXX. The hospital never billed my secondary insurance, instead they billed me the patient, but never actually sent out a bill. I was able to verify this information because I worked in the patient accounting department, doing the insurance billing & collections. My account was outsourced to a third party agency, by the name of Common Wealth Financial, under account # XXXX. I made contact with Common Wealth Financial in XX/XX/XXXX, I advised email to proof that I was covered under Florida XXXX on the date of service mentioned above. In XX/XX/XXXX this item was removed from my credit report, along with account # XXXX, collection account for Date of Service XX/XX/XXXX for {$210.00}. Sometime between today and XX/XX/XXXX, both balances were reported back to XXXX, XXXX & XXXX. I made contact with Common Wealth today, XX/XX/XXXX & was advised this information was not be reported to the credit reporting agencies mentioned previously. In additional, Common Wealth Financial was unwillingly to investigate and/or resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Forster & Garbus LLP

Complaint:
continued attempts from numerous collection agencies trying to collect on same acct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. If you can also take a look at my name appearing incorrect as well. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The incorrect names are XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


The incorrect Addresses are 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 


I am also showing an incorrect employer of both XXXX and there is XXXX XXXX XXXX showing that needs to be deleted. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.

Complaint:
UNDER 15 USC 1681i ( 7 ) Method of verification this account is in viloation it was reported without valid evidence Under 15 US CODE 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation any credit transactions supposed to be excluded from a consumer credit report if a social security card was used in transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I am requesting a re investigation of the debt listed on my credit report under XXXX XXXX XXXX # XXXX {$540.00}. This account balance is not valid and it not owed. XXXX XXXX XXXX is in violation of FDCPA [ 15 USC 1692f ] 808 ( 1 ) because they are collecting fees on top of the debt amount. XXXX XXXX XXXX also has not provided any signed contract or proof of any services rendered. All XXXX XXXX XXXX has provided is a copy of a balance ledger which does not show what the debt is attached too. I do not owe any balance of {$540.00} or {$450.00} to XXXX XXXX XXXX and have sent them en estoppel letter on XX/XX/2019 through the Consumer Federal Protection Bureau and have not received validation of debt according to the FCRA guidelines I have disputed this before and this is not a Frivolous Claim this dispute is valid I want this account deleted and removed due to the many violations to the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-05
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:
As a consumer of the United States, I sent Experian a formal complaint on XX/XX/21 about inaccurate and fraudulent information on my credit report that does not belong to me. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on 5 accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature ) for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate fraudulent accounts and under the FCRA, the accounts must be removed. Accounts to be removed immediately. XXXX XXXX XXXX, XXXX CU XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.They have not complied with the law or furnished any documentation with my signature as proof that these items belong to me. Delete this negative information from my consumer report. STOP using stall tactics. You have my permission and have been had my permission to look into these accounts which i what I instructed you to do in my formal complaint. YOU KEEP CHOOSING TO BREAK THE LAW. Ive sent multiple letter regarding me and me only which is XXXX XXXX. Your time is up by law and you have to delete these fraudulent negative items from my report that you should of been deleted.

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 2022-08-08
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$540.00} XXXX XX/XX/2021 XXXX XXXX  XXXX Balance : 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 2023-05-10
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 XXXX XXXX and I am submitting another CFPB Complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. I need the followig items removed from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH, XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX  XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX. XXXX Unpaid Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXXDespite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.

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 2023-03-25
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: Experian Information Solutions Inc.

Complaint:
In accordance with Fair Credit Act, everything has to be 100 % accurate on my credit report. The credit bureaus said my accounts were properly investigate ; however, there are many inaccuracies such as date opened, number of months ( term ), payment status, and last reported date. This is grounds for removal and they have also violated my rights under 15 U.S. Code 1681. Please remove XXXX Account # XXXX Thank you, 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 2023-08-10
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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc

Complaint:
On XXXX/XXXX/2016 I received a letter from XXXX XXXX , XXXX claiming that they were collecting on behalf of Pay Pal , Inc. for an alleged debt of {$300.00}, but were willing to settle for {$100.00}. Concerned about identity theft I checked my Pay Pal account to confirm what I suspected, no charges to my account with a {$0.00} balance. This appears to be a scam purporting debt on unsuspecting victims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I received a letter from XXXX XXXX, stating that they have ceased collection, on the XXXX account for XXXX. It still remains on my XXXX credit report.

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