hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-07-06
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:
So I sent a letter off XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, no financial institute is suppose to share my information to a third party. 

These are clear violations of my federally protected consumer rights.

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 2019-02-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc

Complaint:
Called in XX/XX/2018 XXXX  Hospital Billing department to get the final bill and detailed hospital to understand my part ( deductible after Medicare pays their 80 % of Medical Bills, my part is 20 % ) Was satisfied with the final part I owed and paid The Hospital XXXX  Hospital in full in XX/XX/2018.

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 2023-06-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Johnson Mark LLC

Complaint:
XXXX XXXX XXXX had won a default judgement to garnish wages and in doing so, they over garnished my wages by XXXX as well as were suppose to credit me XXXX that they over charged and made error in calculating. They also collected XXXX on a judgement that was awarded in amount of XXXX. They claimed the additional XXXX was interest accrued however, the judgement already included interest owed because the original debt was only XXXX. So, not only did they charge me interest twice but then they over garnished me on top of that and charged me XXXX for fees that were in error and never refunded to me either. I would like my money returned that was taken and charged wrongfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC

Complaint:
Received a notice from Debt Recovery Solutions LLC stating I am in collections for not paying a personal loan taken out for {$1000.00} from XXXX XXXX XXXX. The balance with interest is reflected as {$1500.00} and was taken out XX/XX/2020 This is not a loan I had ever taken and could easily be validated if they check the account which the funds were placed in " XXXX XXXX account # XXXX The Debt Recovery Solutions account # for this case is XXXX and they can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX XXXX XXXXXXXX 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 1 5 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23
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: Experian Information Solutions Inc.

Complaint:
In Accordance with the Fair Credit Reporting Act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXL # XXXX Open XX/XX/XXXX and Paid Off XX/XX/XXXX company sent Tile I Traded car to XXXX XXXX XXXX 4 months later company place account back on repost as late pay or closed or paid in full or charge off 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : Also States a consumers reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Section States : No Consumers reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other then records of convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that 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 2022-05-02
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:
The credit bureaus did not conduct A proper " investigation '' according to the FCRA the term " Investigative Consumer Report '' means A consumer report or portion thereof in which information on A consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumers reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. None of the 3 Credit Bureaus ( XXXX, XXXX, Equifax ) did A thorough Consumer Report Investigation to insure all information is complete, accurate and verified. I have included documented proof of inaccurate account balance, account open date, account date last active and date last reported

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc

Complaint:
A backround check conducted by checker has incorrect information. Causing me to no longer be employed. This information has jeopardized me financially. This is the only reporting agency with said information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
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: Kelsting Group, Inc.

Complaint:
On XX/XX/2017 XXXX XXXX XXXX added a derogatory mark on all 3 credit bureau 's XXXX XXXX XXXX 
I have disputed these alleged charges for years, due to identity theft, I attempted to file a police report in 2017 just to be told it's not a police matter it's a civil matter in which the report wasn't accepted at the time. The FCRA states my rights clearly being violated by this collection I am requesting termination an removal of this collection, immediately due to inaccurate reporting, anyone say send a bill saying you owe, but there's been no written Signature or contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.

Complaint:
I am extremely concerned over discriminatory banking practices regarding Citigroup and the gun industry. I use two Citigroup credit cards for almost everything I buy, including guns and ammunition. If these allegations are true, they are also extremely unethical, inappropriate, and will not never tolerated. As of right now, I use these cards to make approximately 2000 a month in purchases. I am ceasing to use these cards until I hear further information refuting this, and if true, I will immediately close the accounts.

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 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
Upon viewing my credit report a collection item appears on my report for which I had no knowledge I have enclosed a letter from the debt collector stating the account is being disputed and that they have ceased all collection on this account however the credit bureau has refused to remove the item from my credit file Collection company name XXXX XXXX XXXX Creditor XXXX XXXX reference number 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 2022-05-24
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00}

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 2023-03-13
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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, 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 1692g states I have rights to validation of debts and also that I gave written communication to allow these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
XXXX has closed the account as charged off due to non payment is and reporting to my credit as 90 days past due unfairly. XXXX requires an active connection to your checking account using a third party services. The link consistently failed to work and I could not otherwise make a payment. I switched phones from an XXXX to an XXXX device and XXXX does not support XXXX  phones. Their app is required for all activities related to the credit account so I lost any ability to access my account. I sent numerous support request tickets asking for assistance to make a payment to the account and did not receive a response until just this week finally they responded with a text message link to make a manual payment, which I did to payoff the full balance. XXXX 's response stated they email me statements with a mailing address to send a payment - I've never received an emailed statement from them. During the course of my inability to access the account or make payments, XXXX sent periodic text messages with inconsistent information. I'd receive a text saying the account was 15 days past due followed by 90 days, followed by 30 days, almost due, nothing was ever presented to me with accurate information. XXXX not once communicated to me in a timely or accurate manner. XXXX never sent anything to me in the mail or make any phone calls to me. XXXX is not handling their credit product appropriately, they're making it difficult for customer 's to responsibly manage the account, and I would like assistance in having XXXX update my credit report to remove the late payment reporting due to their error and failed ability to provide customer support.

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 2019-03-27
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:
Someone used my personal information and applying excessively for credit and i called Transunion and their customer service would not help and take care of the negative inquiries reporting to my credit report. Ive been a victim of identity theft

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 2022-05-01
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 fair credit reporting act XXXX account # XXXX violated my rights. 
15 USC 1681 Sect 602 state I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open account consumer credit plan as late for any purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) Was signed To stop adverse credit reporting during the COVID-19 crisis Under the amended FCRA, if a `` furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments.

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 2020-07-24
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2017-03-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Bread Financial Holdings, Inc.

Complaint:
The tv stop working and they would not give us a new one

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
In early XXXX, I sent investigation requests to Equifax and XXXX XXXX. In the request, asked them to investigate credit errors that appeared on my report. Over 45 days have passed without a response. They were supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio

Complaint:
Vance and Huffman is reporting an inaccurate collection account on my credit reports that I have disputed directly with them. Here is the tracking to prove they received my dispute XXXX XXXX XXXX XXXX XXXX. 

In response to my dispute they sent me a letter stating that they would contact the original creditor for documents and would cease all collection efforts on the account which I have attached the letter below. 

When disputing an account from a consumer reports, the creditor has 30 days in receipt of my dispute to complete their investigation and send over all requested documents. I received their response on XX/XX/2023 which means they had until XX/XX/2023 to send over the documents they say they reached out ti the original creditor for. I have yet to receive any further information in the mail regarding this debt. Furthermore, once Vance and Huffman received this debt all supposed documentation should have been given to them. 

Its obvious that this account can not be verified and should be deleted from my reports. I am not sure why its still reporting when they stated they would be ceasing all collection efforts meaning that this account would be dropped from their office. I am demanding that this account is deleted from my reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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:
There is information thats on my consumer report, that is a result of identity theft. I did not provide written permission or instructions for the identity. Transaction to be reported on my consumer report.I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions are not information related to my transactions by me as a consumer. 

You are required to do what I am asking and block these transactions from being reporting/ reported within 4 days from the receipt of this notice I look forward to your response XXXXXXXX XXXX credit card XX/XX/2022

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 2023-01-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
My online ID was hacked and changed and money was XXXX to another person without my authorization on XX/XX/2022, I called the bank to have the transaction canceled but they said they did what I had asked them to do which I did not, the bank froze my online ID upon multiple logins that day between myself and the scammers to gain access over me they managed to change my Id login and change my number from the accounts. I have had the same number for over 15 yrs, I never authorized these changes, the other persons were in a different state and city and had different phone carriers than mine which I longin ' almost on the daily, I can not believe BofA would allow this to happen to my account which I have had for more than 20yrs. their fraud dept did not do its work on protecting me from an unusual activity I have never used XXXX from these accounts.

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 2020-08-02
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:
Hi I have issue with my credit report, and the reason I'm trying to fix it because they delete the inaccurate account off my credit report and, reinserted back over 2 months after account has been removed. 
For my understanding they have only 30 days to respond and extra 15 days for investigation if needed. 
XX/XX/XXXX XXXX account already been deleted. 
XX/XX/XXXX account doesn't shows in credit report. 
Looks like everything is fine but.. 
XX/XX/XXXX account come back again and it's late it's inaccurate and it's doesn't come off until today .. 
Please look at the Experian reporting dates which I attached to photos and you will see there is no late account over 2 months

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