hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-07-31
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:
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
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:
The Credit Bureau never did a proper investigation according to the FCRA for the account listed below XXXX XXXX XXXX XXXX XXXX XXXX  The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

This was not done. 

They have also violated my rights even more In accordance with the Fair Credit Reporting Everything must be 100 % accurate on my credit report. 

The Credit Bureaus stated this account was properly investigated and verified with XXXX and the XXXX XXXX XXXX but how is that possible when I have documentation from both sources that prove this information is inaccurate. This is the grounds for removal. 

They have violated the law because according to 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2023-08-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY

Complaint:
My ex-husband sent me a text that he received a call from " XXXX XXXX XXXX trying to contact you in reference to your case. The phone number is XXXX. Reference XXXX. '' I have no idea who this is or what they are talking about, and I have no idea why they contacted my ex-husband. I called the number and spoke with a " XXXX '' who told me I had been approved for an American Express line of credit and could I verify the last XXXX digits of my social security number. I asked her if this was a law firm, and she said yes, that she was calling from XXXX XXXX XXXX, the XXXX XXXX, in XXXX, Georgia. I asked her to send me something in writing. She said my " file '' was locked and had a red flag, and there was a lawsuit against me in process. She said she would open the file and then said that it was going to be processed and a Sheriff come to serve a Complaint because I hadn't paid an American Express bill. I do not have an American Express card and have never applied for one. I advised her that I was filing a Complaint against them for their bogus, harassing and annoying phone calls and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely 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 2018-06-24
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: AFNI INC.

Complaint:
Someone open fraudulent accounts in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
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 checked my credit report and I noticed numerous violations and inaccurate information on my credit report and then proceeded to contact the credit reporting agencies that were reporting the violations and inaccurate information but they did not fix the numerous issues.

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 2022-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

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

XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX. Sc XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05
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 just turned XXXX in on XX/XX/XXXX. I wanted to start building credit and i noticed that I have a collection account on my credit report being reported by XXXX. I never had any accounts to have a collection I was a minor! 

This account does not belong to me, I have no knowledge of this account Also there is incorrect DOB and address being reported for me My address IS and ALWAYS been is XXXX XXXX XXXX XXXX, PA XXXX my address has never been different. 

my DOB is XX/XX/XXXX i just turned XXXX 3 months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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: EQUIFAX, INC.

Complaint:
I am aliving and breathing human being, I have rights granted to me by the " FAIR CREDIT REPORTING ACT " THAT ARE BEING VIOLATED!! I was denied a mortgage because YOU EQUIFAX has hidden and blocked my score from me and lenders that I am actually applying to. But you allowed my identity to be compromised and accounts be taken out in my name that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
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: Atlanticus Services Corporation

Complaint:
They are reporting on my credit report daily because XXXX getting notifications of it. Being done by the same company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
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:
their customer service would not help and take care of the negative inquiries reporting on my 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
Consumer complaint received 2017-07-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TENET HEALTHCARE CORPORATION

Complaint:
I received a letter from   XXXX   XXXX   XXXX   with an ITEMIZED statement from the hospital showing what was done to me. This is my personal information and is a MAJOR LAWSUIT TO VIOLATE HIPPA REGULATIONS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
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:
TransUnion is currently engaged in several systematic and diligent violations of federal law under the Fair Credit Reporting Act, Truth in Lending Act and Fair Debt Collection Practices Act of Title 15 Chapter 41. TransUnion received and signed for my Affidavit of Truth on XX/XX/2021 at their dispute office and on XX/XX/2021 at their corporate headquarters. I have outlined each of TransUnions violations of federal laws in my Affidavit of Truth attached below and provided clear and conspicuous breakdowns and explanations of all necessary federal laws. Included in my first Affidavit of Truth below is my invoice and remedy demand list. To be clear every remedy demand on my list is not a request but a demand as is my right pursuant to federal law and as the federally protected consumer and natural person. I have not included any dispute or request but only demands as are my right pursuant to federal law. This is TransUnions first opportunity to resolve all their outstanding issues ( several blatant violations of federal law ) by providing all my demanded remedy pursuant to 15 USC 1692c ( c ) ( 2 ). My Affidavit of Truth attached here below is my first step in my private administrative process. I advise whoever at TransUnion who receives this CFPB complaint and Affidavit of Truth attachment to forward it to your executive leadership team and legal team. Individuals on these teams will understand what these documents mean and what needs to be done swiftly. TransUnions illegal actions ( violations ) have caused me extreme injury over at least the last 8 years. Any further deceptive fraudulent delays tactics to avoid resolving these issues will only worsen this case for TransUnion as I continue my private administrative process. I hereby am giving TransUnion the chance to resolve all these issues quickly to avoid further legal liability in the near future.

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 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: First National Collection Bureau, Inc.

Complaint:
I have been contacted by various collection agencies about a XXXX XXXX credit card. I did not open said account and provided information as to it being impossible that I could have opened the account. They continue to bounce from one collection agency to another and attempt to report this account on my credit report. 
It is not my account as I did not open it, I request you make them cease their harrassment and unprofessional tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc.

Complaint:
The XXXX County Sheriffs Office ( California ) unfairly and incorrectly issued me four parking citations throughout the XXXX  of 2021 ( citation numbers XXXX ; XXXX ; XXXX ; and XXXX ). All four of the citations claimed that I was parked in a bus zone and/or bus lane. I was never parked in a bus zone and provided photographic evidence by mail proving it. 

However, the Sheriff 's Office apparently (? ) assigned the matter to a XXXX debt collector XXXX based in XXXX, Wisconsin, named Professional Account Management LLC, which itself is/was posing as a government agency ( XXXX County ) . For instance, their return address in XXXX is printed as : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and yet it is a Wisconsin address. They are not a government agency, but are posing as if they are. I continue to receive threatening mail from this collector using language like `` enforcement '', `` debt collection '', `` debt owed '', `` balance owed '', and `` validity of debt ''. Most recently, the debt collector has threatened to : `` submit my account to the XXXX XXXX XXXX ( XXXX  ) for interagency intercept collection. '' The debt is completely invalid. I have been extremely responsive *in writing* throughout the spring, summer, and fall of this year ( since the citations first appeared on my car ), and I am at my wit 's end. The debt collector is harassing me about an invalid debt, demanding hundreds of dollars from me, and all my attempts to have the citations reviewed and dismissed ( based on photographic evidence proving the debt is invalid ) have failed. 

I need help from the FTC or CFPB so that my state tax authority ( XXXX  ) and my credit do not become implicated in this harassment coming from a debt collector, demanding payment on a completely invalid debt, with this collector posing as a government agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE

Complaint:
Barclays Bank is reporting an erroneous late on my credit file. I have a couple accounts with Barclays and make sure to make all my payments on time. I have perfect credit and have never made a late payment. I called Barclays to make a payment on my accounts as i normally do and went on with life. When i checked my credit later i noticed i had a late remark for the month of XX/XX/21. When i called in to see why or where the late remark came from they advised that i made a payment late. I told them i didnt and to check because i called in to make the payment. When they reviewed they said the representative who helped me applied the payment to the wrong account and refunded the late fee. When i asked about the late reporting on my credit file they said there was nothing they can do. That is the most ridiculous thing i have ever heard of. How can they admit the wrong doing and missed applied payment but not remove it from my credit file? This late remark dropped my credit scores drastically. I have been denied financing due to Barclays mistake and it very frustrating to hear that the bank that ruined you credit can not help fix it. I need this late removed ASAP, it shouldn't be there and it still is and is affecting my financing.

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 2017-04-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capio Partners, LLC

Complaint:
Capio Partners LLC - trying to collect a debt but failing to provide detail of debts.
Sent a certified letter to Capio   Partners/it was re c 'd  on  X/XX/2017     XXXX  'd a letter ba  ck from Capio stated has not completed the investigation and does not have any back up but will continue to collect debt. This is unacceptable and they should have a time line of when the back up will be provided. Please see the attached letter that I sent/rec 'd back and certified letter receipt they rec 'd requesting the info.
Requesting back up so I can verify debt. if they can not provide remove from my credit report. I will not make a pymt or pay on a debt with no back up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 non-monetary relief
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
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: Experian Information Solutions Inc.

Complaint:
XXXX XXXX XXXX is reporting inconsistent and inaccurate information on my credit reports which is greatly affecting my credit score and is in violation {$1000.00} per violation with the FCRA. Ive disputed this account before and yet this account continues to report the inaccurate information. For example it reports the Date Of Last Activity for experian is XX/XX/XXXX while for XXXX  reports XXXX/XXXX/XXXX. This is a violation of the FCRA by this account has be ILLEGALLY re aged the account showed closed back in XXXX and thats supposed to be the last active date. This account also shows that its closed but yet with XXXX  also shows late 120 days. This is another violation by an account that is close ended can not be late unlike open ended credit card accounts per the FCRA. Ive disputed this account before with experian back in XXXX of XXXX but yet on the report it did not update the date reported which shows XX/XX/XXXX which is a violation of the FCRA by its suppose to update the account status each time its disputed. Experian shows the last payment was XX/XX/XXXX and XXXX  shows XX/XX/XXXX. If all the credit bureaus are getting their information from the same company how is it that theyre reporting different information. XXXX  as well has inaccurate and inconsistent information which will be attached

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