hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-07-05
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX tied XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2017-01-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: California Business Bureau, Inc.

Complaint:
On XXXX XXXX XXXX, I was brought to the XXXX XXXX XXXX due to XXXX. I was still XXXX when I got there. As soon as my XXXX, I told the staff that I did not want to be treated or examined and walked out, since I was n't sure whether XXXX was going to cover the hospital bill. ( I had just received my XXXX acceptance letter shortly before this incident. ) A few weeks later, I received XXXX invoices : one from the ambulance service, one from the hospital. I called both companies and gave them my XXXX number so they could charge XXXX ( since I now knew that XXXX covers emergencies ). The ambulance service was apparently able to charge the bill to XXXX without any issues. However, about 4 months later, in XXXX XXXX as well as in XXXX XXXX I was surprised to be sent XXXX letters from the XXXX XXXX XXXX asking again for the XXXX USD they claimed I owed ( even though I had refused treatment ). I received those letters in XXXX since I had been out of the country in XXXX. I called the hospital up immediately and asked what the problem was. It seemed as though they had had the wrong XXXX number. I gave them my XXXX number again. This time, I asked the person on the phone to read it back to me, so we could make sure that it was definitely the correct number. When she read it back, it was correct. Since then I did not hear from the hospital again at all. On XXXX XXXX ( XXXX/XXXX/XXXX ) I received a letter from a debt collector asking for the " outstanding '' debt to the XXXX XXXX XXXX. The debt collector said that the documentation they had gotten from the hospital did not show that any XXXX number had been given - even though I had given it to the hospital twice ( albeit once apparently incorrectly ). I was shocked. The worst part about this is, of course, that XXXX generally only pays bills that lie, I believe, at the most about one year back. 
The XXXX XXXX XXXX # 1 apparently failed to attempt to collect the payment from XXXX and # 2 failed to inform me about this in due time so that I could have gotten in touch with XXXX myself. Now, that the timeframe during which they could have claimed the amount from my insurance has passed, they try to make me responsible for their failure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Island Finance Puerto Rico

Complaint:
The XXXX XXXX company located in XXXX XXXX PR calls my work 2 to 3 times a day, goes to the home of my son 's grandparents and leaves letters with them or the people living there notifying them that I should call them. that's something private no one has to know that I borrowed a loan also they communicate with the people that I referred telling them about my case I think it is a lack of respect from the company to do this to ask about me and about my debt. They call me even XXXX, I am going through a difficult economy after the Hurricane Maria in Puerto Rico I made a letter to the company to communicate with me to my email and my phone number I hope you can take action on the matter thank you very much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint:
There is a company called " XXXX XXXX XXXX XXXX reporting a collection amount of {$880.00}, and they are NOT reporting this account accurately, because it is reporting on my credit report under a middle name spelled " XXXX ''. That is not me and that is not my name, and I don't remember this alleged debt, and they are NOT suppose to be reporting late payments, because this account is labeled as a collection. Even though they are reporting late payments for the month of XXXX, XXXX, and XXXX of XXXX. Also, I sent a validation letter to this account on XX/XX/XXXX. This company was NOT able to validate this account. It has been very stressful and I have even sent an " Affidavit of Truth '' along with a " Cease And Desist letter on XX/XX/XXXX and they have had plenty of time, over 30 days ago to fix this problem, but they STILL haven't. I also sent a " Reinvestigation Request Letter '' to " XXXX '', " Equifax '', and " XXXX '' on XX/XX/XXXX and I STILL have not received any reply from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc.

Complaint:
I mailed a letter to Experian on XX/XX/2023 and they sent me a letter back on XX/XX/2023 claiming the letter I sent them was not from me and that they would not be complying to my request to remove unauthorized inquires.

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 2022-02-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.

Complaint:
Please address my attached letters that were sent to your company that were sent to your company 14 days ago via mail and experian upload!

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 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND 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

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 2019-09-28
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result 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 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have attempted to reach out to Transunion, XXXX, and XXXX  regarding this bankruptcy on my account but I have yet to receive a response regarding this information or how this information was pulled and put onto my credit report. 

I sent a letter regarding this information XXXX XXXX and still no 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 2023-03-20
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX and 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

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 2023-03-30
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 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-17
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:
On XX/XX/XXXX I made a payment on my XXXX card. On XX/XX/XXXX I paid the balance in full prior to the XX/XX/XXXX statement date. On XX/XX/XXXX XXXX incorrectly, negligently applied a {$7.00} Interest charge to my account. According to my records it was paid off to XXXX because it was. Adding insult to injury I contracted XXXX the end of XX/XX/XXXX through XX/XX/XXXX ( hospitalized 2 times ) I am only advising of that because I wasnt even in the position to monitor this. So I couldnt have stopped what XXXX was about to do to me. They reported me 30 days late to all credit bureaus, they decreased my available credit line. This has majorly and unfairly damaged my credit. I spoke with 3 reps at XXXX the first one immediately removed the now {$9.00} interest fee. I then spoke to a rep who was wonderful she apologized profusely and acknowledged the incorrect reporting, but an apology can not fix this fast enough for me to be able to trade my car in. XXXX reps, although acknowledging the mistake, can not resolve it today nor can they advise a time frame. I have a XXXX XXXX XXXX XXXXXXXX I am an American with a XXXX. I am 100 % XXXX on SSD I have limited income and I have worked so hard to keep my credit up, to build it so I could buy a new car and XXXX single handedly ruined this. Although this is being escalated within the bank there is no resolution for repair. I have had help handling this, but what about other XXXX people who dont have help who wouldnt have realized this, this shouldnt have happened to me and I am submitting this in hopes I can even help this from happening to one more person. They charged interest that wasnt owed, they reported me 30 days late and possibly 60 ( they arent sure if that will hit yet ) and they lowered my available credit affecting my credit card usage. Thanks for taking the time to read this.

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 2017-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.

Complaint:
Pro Collect XXXX/XXXX/XXXX XXXX XXXX XXXX Apartments These apartments are falsely accusing me of XXXX when I moved nothing was owed an the apartment was clean. I have received calls from pro collect with rude services trying to make me pay a debt I do n't not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
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: Experian Information Solutions Inc.

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT THAT SHOWS LATE PAYMENT HISTORY WHICH IS IN ERROR. 
I HAVE SENT DISPUTE LETTERS ON XXXX20, XXXX20, XXXX20, AND XXXX20, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY.  YOUR FIRM COMMITTED FOUR 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica

Complaint:
I need to activate my debit card, tried to do it by the automatic phone call and was not possible because I dont have Social security number. Then I request to speak with an agent to activate the card and after 4 transer adn more than 1 hour on that the robot said the expected waiting time is more than 1 hour 15 minutes.

I dont that time to waste activating my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
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: FACTUAL DATA CORP.

Complaint:
XX/XX/2020 hard inquiry The company ran a unauthorized credit report that is now showing up on my credit that I did not request. I locked my credit reports as to not have any new hard inquiries added.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
There is incorrect information on my credit report that is negatively affecting my credit, request all inaccurate information be removed.

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 2020-08-22
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: EQUIFAX, INC.

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a card approval. The account listed below is not mine. I sent in multiple letters that I attached here as proof. I haven't received any feedback about my complaints. I don't understand what is really happening? Your help is so much appreciated. 

XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.

Complaint:
Attached to this complaint is identity documents for verification of my identity. Banks, credit unions, creditors, and lenders are having an issue of obtaining my credit report and XXXX XXXX from XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX, Experian, and XXXX. Lenders need to be able to pull, access, and obtain my credit report from XXXX XXXX XXXX XXXX, Experian, and XXXX. I want XXXX XXXX XXXX XXXX, Experian, and XXXX to delete and remove all fraud alerts and extended fraud alerts from my credit report and release my credit report and XXXX XXXX to any bank, credit union, lender, or creditor who request my credit report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/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 explanation
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$2600.00}

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 2022-01-18
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA

Complaint:
AES/PHEEA is reporting to XXXX, XXXX, and XXXX a debt that was paid in full. 
The company is reporting XXXX, XXXX, and XXXX dates of last activity XXXX and XXXX. I have contacted this company via telephone. The company states they do not understand why XXXX, XXXX, and XXXX are reporting the outdated date. The only thing they can persist is XXXX XXXX continues to report. 

The debt last date of activity XXXX and XXXX which is well over the Federal Regulations for reporting status of seven years on my credit reports. These amounts effect my debt to income ratio.

Company response to consumer: Closed with explanation