hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-09-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Holloway Credit Solutions

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.

Complaint:
I have contacted All major credit bureaus on the false information listed on my credit file regarding this company. I have no knowledge of the amount {$60000.00} this company is saying I owe. Also there are two separate accounts showing as duplicates on my credit report which are closed and and paid showing negatively. I never opened any accounts with this company on XX/XX/2016. There are multiple errors that this company is reporting on an alleged account. This and all information must be removed from all my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
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 filed a previous complaint against Equifax number XXXX regarding fraudulent and unauthorized inquiries on my Equifax consumer credit file. Equifax mailed me a letter as a stall tactic asking for proof of identity when I provided proof of identity with my previous complaint. Equifax remains in violation of my federally protected consumer rights.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 : //www.ftc.gov to file a report 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. 

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 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 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 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 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 2021-01-05
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: EQUIFAX, INC.

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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 the 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 Account Number : XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX  Account Number XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX, HAS VIOLATED MY RIGHTS Account Name : 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 1681 C. ( 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 more than seven years.

15 U.S.C 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to 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 2021-06-01
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:
My identity has been compromised and now I have accounts reporting on my credit files that doesn't belong to me. Also these accounts are now in ligation Therefore, I'm demanding that these accounts be removed immediately. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX {$750.00} 3. XXXX XXXX XXXX {$250.00} 4. XXXX XXXX  5. XXXX XXXX XXXX XXXX  {$6400.00}

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 2022-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
This is not my debt. I sent a certified mail letter to them on XX/XX/22 asking for written signature validation of debt. They have not been able to supply me with this information. According to the USC they must validate each debt before reporting it to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc

Complaint:
This was reported to the credit agencies without an attempt to validate the debt and despite numerous attempts to get them to rectify after I was made aware of it on my report, they refuse to correct their records. 

I requested documentation to verify the debt and the documents submitted are fraudulent and do not address my issue of validation of the debt. 

The documents do not bear my signature and I did not obtain this loan. The address used is my old address and I did not live at this address when they are claiming the account was open. 

The bank account listed on these documents is not mine and the documents do not bear my signature. 

They continue to report this on my credit despite the numerous requests to validate. I am also opening up a case with Consumer Protection. 

I need this removed from credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: HireRight Solutions, Inc.

Complaint:
According to the Fair Credit Reporting Act i am intitled to XXXX free credit report every year and Hire Right is violating my US constitutional right by refusing to send it to me.Hire Right claims that i asked for a credit report instead of a consumer report but according to XXXX credit report is a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Shindler Law Firm

Complaint:
ne would get back with me from XXXX XXXXl as soon as the car has been sold and they would tell me what I owe and how to go about setting payments up with the balance left remaining XXXX/2021- I filed a dispute with the credit bureau in regards to how they put the incorrect information on my credit and I sent in the copies of the emails back and forth with XXXX XXXX/2021- prestige updated my account online stating that the charged off XXXX and past due XXXX and I tried to get an updated from XXXX on the phone and no one ever called me back or sent anything in the mail. 
XXXX/2021- I spoke to XXXX XXXX and she said she no longer could speak to me and that I would receive something in the mail in regards to the selling of the vehicle and what amount I would owe. 
XXXX I receive a summons from XXXXXXXX XXXX XXXXXXXX in regards to XXXX XXXX stating that I would have to appear in court in regards to the vehicle. I never received anything from XXXX or XXXXXXXX XXXX XXXXXXXX in regards to owing a debt no one ever reached out to me in regards to the debt. 
XXXX/2021- I tried to make it to the court house which was an 1.5 away from me and I got there at XXXX and court was over for a XXXX court call. A default judgement was paced on me and I tried to call XXXXXXXX XXXX XXXXXXXX and no one ever returned my call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
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: EQUIFAX, INC.

Complaint:
In XX/XX/XXXX, I applied for financing through XXXX XXXX XXXX XXXX XXXX, a used car dealership, online. I got a phone call from a XXXX XXXX employee asking to send XXXX XXXX XXXX an email with my written consent to run my credit score to determine eligibility. I specified that I only authorized XXXX XXXX XXXX to run my credit. My credit score was run, and I was approved for financing, although for a different car than the one I applied for. I received a notification on my cell phone via the XXXX app stating that my credit score had dropped. After checking my report, there were XXXX other hard inquiries on my credit report from various banks/financing offices that I did not authorize to run my credit score. These reports were all run on the same day, XX/XX/XXXX. My credit score dropped about 100 points because of these hard inquiries. XXXX XXXX XXXX, in XXXX, Indiana was another car dealership that I authorized to run my credit, whom I previously applied for financing with last year and nothing like this happened. I have contacted XXXX XXXX XXXX two times with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA

Complaint:
This complaint isn't about the company per se XXXX XXXX. The complaint I have is that I currently owe approximately 50K in student loans. I have been trying to pay what I can, but am struggling to make those payments in addition to my other obligations. When I went to college, I had to pay full tuition. Now, in NYS they have free tuition options to state schools which is where the vast majority of my student loans came from. I think that it is unfair that I have to pay back the loans that were accrued when I was attending 2 state schools, XXXX XXXX and XXXX XXXX XXXX XXXX College. I realize that when I attended XXXX XXXX College and XXXX University online those would not have been in that category. I just find it unfair and disheartening that I am unable to make any dent whatsoever in the loans and hoped at least the loans accrued while attending a state school could be forgiven. I wrote to the company to try to get contact information for someone I could speak with about it and wrote to some people in the NYS Dept of Education, but have not heard a response. I am just looking for help and assistance and hoped that being a XXXX  XXXX XXXX, maybe I could get some help. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL

Complaint:
Good afternoon, My name is XXXX XXXX XXXX and I am writing to request your assistance with a fraudulent charge that occurred in a Rooms to Go store in Texas. <P/>To start, I have never visited Texas and I am currently stationed in Georgia. Below is the information regarding the transaction. The Transaction was for {$340.00} and {$40.00} have accumulated in late fees. <P/><P/>Before the transaction, my account had no balance because I had already paid off my balance in XXXX 2017. Although the transaction occurred in XXXX XXXX 2017, a statement was not executed until XXXX. It is unclear how the transaction was authorized because I have the card and I have my state IDs with me. I have not authorized users on this account, and I have not lost my wallet. <P/><P/>I have contacted the store in XXXX to no avail. I explained to the Sales Rep ( over the phone ) XXXX XXXX XXXX that I am set to deploy at the end of this month and needed more information about the purchase. She explained she needed me to fax information or to visit a local store. <P/>Moreover, I have contacted Synchrony bank and reported the fraudulent transaction. Unfortunately, the investigation will take up to 60 days. I am set to deploy at the end of this month and may not have the ability to track this issue. The charges are still showing on my account including the late fees. <P/>Finally, I have contacted Rooms to Go and explained the matter.
<P/><P/>Thank you in advance for your time. <P/>INFORMATION ABOUT THE TRANSACTION : XXXX ROOMS TO GO XXXX XXXXXXXX XXXX TX ( XXXX XXXX, 2017 ).

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 2022-03-10
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: Great American Finance Co

Complaint:
I received an alert that a new account was added to my credit report that I did not open. I called the company and was advised to start fraudulent claim. I never opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc

Complaint:
This company is coming after me for a debt that does not belong to me. I asked for validation with a signed contract and from what company I was sent a receipt from an institution I did not attend. I am am a victim of indetity theft and this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICA FIRST FEDERAL CREDIT UNION

Complaint:
America First Credit Union stated I opened two accounts with them. A loan and credit card. I had not. I asked them to send me original documents with my wet ink signature proving that I opened these accounts and gave authorization to pull my credit and I have not received them. I have requested six times for this information. They have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.

Complaint:
I have sent certified return receipt mail to this collection company " EOS CCA '' to validate this debt. they have not yet validated the debt in over 6 months a default letter was also sent to the company, and still no response. I have also sent a dispute letter to all credit bureaus regarding this matter. XXXX and XXXX   have removed this from my report. Although, XXXX has not removed it. They have stated that the account was verified. It seems to me this collection company has violated the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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: 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 confidentially under 15 USC 1681. 

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  has violated my rights. 

15 USC 1681 section 602 A, States I have the right to privacy.

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

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 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