hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-10-14
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: EQUIFAX, INC.

Complaint:
To : W

hom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6300.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX   with ACCT # XXXX opened onXX/XX/XXXX with a bala
nce of {$6300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX XXXX XXXX - partial account number XX/XX/XXXX. ( Please see page 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.

Complaint:
My credit report and my husband 's credit report both include two accounts that refer to the same debt ( ie, duplicate reporting ), and whose date of last activity and date of first delinquency are both more than 7 years old. We have disputed this multiple times with the companies directly and with XXXX, and nothing has happened. We have also submitted multiple demands for an explanation of their Method of Verification under FCRA 611 ( a ) ( 7 ) and we have not received any reply at all. 

The accounts are : SANTANDER CONSUMER USA Account Number XXXX and XXXX XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
In accordance with 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. 

INACCURATE ACCUNTS : XXXX XXXX XXXX XXXX # XXXX - {$15000.00} XXXX XXXX XXXX XXXX # XXXX - {$16000.00} XXXX XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE THEM ASAP!!! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of 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 2021-07-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd.

Complaint:
XXXX XXXX ( me ) had an account with Collection Bureau of America, XXXX  XXXX.

I paid the ENTIRE principle down two years ago, and they assured me that they would stop reporting.

I get my credit reports two days ago and see they have been reporting a {$10.00} " late fee '' as unpaid principle. Let me repeat : I paid them the ENTIRE amount they requested. 

I have tried to work this out with them but their only solution, which is basically a Pay to Delete scheme, is that I pay the {$10.00} " late fee, '' and a {$7.00} credit processing fee.

Neither of these fees existed when I paid the original principle which, to be honest, was difficult because it was over {$450.00}. I paid that at one time, there is no reason I would have left a {$10.00} remainder and it has been DESTROYING my credit. 

When I call, they hang up when I tell them they need to legally remove it. They are scamming me into paying a fee they made up. They told the principle debtor I XXXX XXXX XXXX  in XXXX  ( since I did ). This is illegal, immoral, and honestly it's gross.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2021-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANCO POPULAR DE PUERTO RICO

Complaint:
This a for a Mastercard issued by Banco Popular de Puerto Rico. When I make a payment on my card the company puts a security hold on my payment for XXXX to XXXX business days before they post the payment to my account. On XXXX XXXX they also put a security hold on my account due to what they say is suspicious activity, my bank returned a payment, and rejected all charges to my account thereafter until I called on XXXX XXXX to see what was happening even though I had fixed the problem with my bank and had made another payment to the card that processed correctly on XXXX XXXX. On XX/XX/XXXX I had to call them to get the security hold removed. I have had nothing but problems with this credit card company. The terms of agreement does not contain payment information that relates to holds on payments for security purposes. This caused at least one of my utility payments that was on autopayment for XXXX dolllars and some change to this card to be returned and the credit company refused to fix this costing me extra money and time spent working with my utility company. 

My biggest issue is I have ask the company for a customer complaint form and they have advised me they do not have a way for a customer to file a complaint but the customer representative will submit the compliant for me. I have ask them to submit a complaint but I do not received any feedback about the compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
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: Experian Information Solutions Inc.

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.

Complaint:
I Received a copy of my credit report and noticed several accounts on my credit file that i never applied for and never used. these accounts are fraud and needs to be removed from my account below are listed the abode referenced accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-20
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:
It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.

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 2023-10-02
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX I don't want this on my report, it hurts my credit history and it's not mine.

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 2022-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.

Complaint:
Throughout the pandemic pause Navient has continued to take payments as scheduled. I initially called and filed for a pause when my dental office was closed in XX/XX/2020 which a Navient representative approved during our conversation. The regularly scheduled auto-payment however was withdrawn on schedule. All subsequent payments have been withdrawn since. During the time of the pause on payments and interest the payments have been taken with interest. On one month, XX/XX/2020, the payment was on time, and put to interest only. To date Navient has taken {$4600.00} in interest during the pause on interest. Early on, Navient representatives were apologetic. Now they state that my loans are owned by them, not the XXXX. of XXXX. I checked online and the XXXX. has Navient listed as my loan servicer, and still as the federal loans that they always were. 
Any help dealing with them and getting the interest changed to principle would be appreciated.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
To whom it may concern I looked at my consumer report and noticed fraudulent accounts I request that they be deleted I did not give permission to these accounts to be open Nord have any knowledge of these accounts I have attached our documents supporting claim

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 2023-09-06
Product: Credit reporting 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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-04-24
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:
After reviewing my credit report and doing some research I noticed that was reporting on my credit report but is in violation of my rights as a consumer in several different ways for one the IRS say After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. 
I never received a 1099c. The IRS also stated the amount of the canceled debt is taxable and you must report the canceled debt on your tax return for the year the cancellation occurs.. If that debt is taxable income to me and charged off from your company why is it still showing on my credit report with a balance of XXXX. This is inaccurate information reporting on my credit report. ACCOUNT # XXXX In violation of FCRA 15 US Code 1681b ( a ) ( 1 ) ( 2 ) permissible purpose In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
In accordance with the written instructions of the consumer to whom it relates.

Violation number # 3 FCRA 15 US Code 1681a ( 2 ) B ) Violation number # 4 FCRA 15 US CODE 1681e ( b ) This Is a violation of the FCRA and Is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CR5A enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.

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 2017-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DIRECMANAGEMENT, INC.

Complaint:
I recently found a past due debt listed on my XXXX credit report. It was not listed on XXXX or XXXX and as I recall was not listed on my last XXXX report. I contacted the debt collection agency ( Direc Management Inc, XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX ) The debt according to them was for XXXX Hospital in XXXX County AL in the name of XXXX XXXX , DOB XXXX, amount {$320.00}. I have never been to XXXX Hospital as a patient and have never received medical care from them. My name is XXXX XXXX XXXX /DOB XXXX. 
Apparently they have reported a debt incurred by my son ( XXXX XXXX DOB XXXX ) on my credit report. He is an adult and has not lived with me since he was XXXX years old and I am not responsible for his debts and have never agreed with any agency, company or entity to be responsible for his debts. At the time the debt was incurred he was XXXX XXXX XXXX. 
I informed the person at Direc of this and she stated that I was responsible for the debt because he was my son. She maintained this position even after I told her my DOB ( XXXX not XXXX ) and that he was an adult who did live with me and that I was not responsible for any debt he incurred. This is a fraudulent attempt to collect money from a party not responsible for the underlying debt and the use of improper strong arm methods by placing false information on my credit report so as to force me to pay a false debt to protect my credit rating

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Product: Credit reporting 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:
I hope this letter finds you well. I am writing to seek assistance from the Consumer Financial Protection Bureau regarding ongoing issues I have been experiencing with Experian, XXXX, and XXXX. Despite my repeated efforts to dispute late payments and incorrect information on my credit reports, I have encountered significant challenges in rectifying these errors. 
I believe that I have been subject to unfair treatment by these credit reporting agencies, as my attempts to correct inaccuracies on my credit reports have not yielded the desired results. I have diligently followed the procedures outlined by the credit bureaus, including submitting dispute letters and providing supporting documentation. However, my disputes have often been met with delayed responses or dismissive actions, resulting in continued inaccuracies on my credit reports. 
The inaccurate information on my credit reports has had a detrimental impact on my financial well-being, affecting my ability to secure loans, obtain favorable interest rates, and even secure employment. Despite my efforts to maintain responsible financial practices, these errors have unfairly tarnished my creditworthiness. 
I kindly request that the Consumer Financial Protection Bureau investigate my case and intervene on my behalf to ensure that Experian, XXXX, and XXXX rectify the inaccuracies on my credit reports promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that your organization is committed to ensuring fair treatment for consumers like me, and I trust that you will take the necessary steps to address this matter. Please inform me of any additional information or documentation you may require to assist in resolving this issue. 
I appreciate your prompt attention to this matter and your commitment to upholding consumer rights. I look forward to a timely resolution and the restoration of accurate information on my credit reports. 
Thank you for your assistance in this matter. 

Sincerely, 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 2022-09-05
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: EQUIFAX, INC.

Complaint:
To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : Account Name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

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 instruction.

I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation