hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC

Complaint:
in 2016, i went to XXXX XXXX and open a XXXX account. Right after i got home, my wife told me to return it since she already open a second line for me under her plan. I returned the same day to XXXX XXXX and returned my phone plus cancel contract. I was told by XXXX XXXX, I had 7 days to change my mind and return the phone which i did. Now, comes to find out, several years later, i got a collection notice and account reported in all credit bureaus that i owed XXXX {$890.00}. They sold a fraudulent account to a collection company. I went back to XXXX XXXX and dispute with them. They said that they have cancelled my contract and that my account should have never existed with XXXX. I did not even have my phone or account with XXXX for even 24 hrs. XXXX XXXX reassured me they will take care of it. I have disputed that this is not a valid debt to the collection company but still got denied. My english is limited and I feel XXXX took advantage of it and never cancelled my account which i took back within the same day. Please help me as I have been denied credits and humiliation from this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
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 have informed TransUnion that my report was inaccurate and they have not replied or took any steps on resolving this issue.

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 2021-07-03
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: EQUIFAX, INC.

Complaint:
I had fraud on equifax report 8 years ago and they put I pay 1 payment a year to not take this illegal way of keeping on my report. 

They tricked me and when I got XXXX XXXX credit card and asked could it have been family or friends? I didn't know 1 month after fraud happened. They then said they couldn't take off credit for 7 years because I said it could be family or friends which it was overseas fraud. Whoever did this took XXXX XXXX dollars cash in 3 weeks without calling me to see if it was right or fraud. They are going to be sued, my attorney general will be called, my personal lawyer will take them to don't for blindly lying to meThey admit they lost police report, lawyer report and ftc repirt.Then their investigation was just as bad as the fraud. They did nothing that the FAIR CREDIT REPORTING AGENCY MAKES SECTION 604, 609, 611 AND 623 AGAINST THE LAW ( FEDERAL AND STATE ) IN 3 WEEKS THEY HAVE NO ID, TAPES, SIGNATURES OR LETTERS STATING I COMMITTED THIS WHICH I HAD TOP SECRET CLEARENCE MY WHLE LIFE. THEY NEED SNOTHER CLASS AGENCY LAWSUIT AGAINST THEM BECAUSE THEY DONT TRAIN THEIR XXXX WORKERS SMERICAN LAWS. I SWEAR I WI BE RICH IF THEY DONT TAKE OFF THE XXXXXXXX XXXX XXXX OF XXXX XXXX DOLLARS, LATE PAYMENTS OVER 5 YEARS AGO THAT WERE PAID AND XXXX HARD ONQUIREYS THAT I HAD FREEZE ON. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
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: EQUIFAX, INC.

Complaint:
I have explained to several people at Equifax that this account for XXXX XXXX XXXXXXXX does not belong to me. I keep explaining and speaking to people off shore each time providing documentation that they request and getting no resolution. I feel like they continually read from a script saying the same thing over & over but not attempting to help me correct this mistake. I have added a copy of the identity theft report as they requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : 15306 Please remove it from my credit report.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT NATIONAL CXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings

Complaint:
I noticed a collection on my credit report from Zion Debt Holdings and opened a dispute on the XXXX XXXX. Shortly after, on XX/XX/XXXX, Zion Debt Holdings ( ZDH ) texted me. The company ZDH claimed to have bought my supposed account XXXX  for {$500.00}. They claim I had this service for 5 years starting in XXXX  ( All of which is false. ) I asked for a copy of the supposed contract I signed with XXXX  and have not received it. I called Zion Debt Holdings today on XX/XX/XXXXXXXX  from the number listed the XXXX app and tried to explain to the company I am a victim of fraud. ZDH told me to call my local police station. 
I do not have an alarm system. I did not sign a contract with XXXX in XXXX  nor did I have professional security service for over 5 years. 
I have had unusual, fraudulent activity from person ( s ) using my personal information in the past to set up light/ utility accounts and other purchases.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.

Complaint:
I received a Debt collection letter from a company name IC SYSTEM INC. 
this FRAUDULENT DEBT has been fully disputed before at least twice with the Knowledge of the CFPB. 
XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 
I'm attaching my DISPUTE DEBT LETTER. I would like CFPB Fine and Penalized XXXX XXXX XXXX and this Debt Collector for still trying to collect a Fraudulent Debt of {$300.00}

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 2021-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.

Complaint:
Someone repeatedly hacked into our pnc checking and savings accounts and drained thousands of dollars. We had alerts turned on and never received any about these Transact! We immediately contacted pnc and spent hours filing disputes all of which pnc summarily DENIED without any questions to us or requests for additional information or any communication at all and then they closed our accounts that we have had for over 10 years with them without any notice whatsoever and refuse to even give us the balances that remained in the accounts. We have offered them proof from XXXX that my husbands phone was hacked and that is how they gained access and they wouldn't even review the extra documents simply stated their investigation was final and that we were out over {$10000.00} ( plus fees and harm to credit AND We are in the middle of buying a house and this has made our loan almost impossible and much more expensive because of their refusal to treat this as fraudulent like it is. A police report was files and sent to them and they werre notified of each transaction within 24 hours of it happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-08
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:
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX, XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-06
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: EQUIFAX, INC.

Complaint:
XXXX XXXX  corrected and removed the erroneous late payments they placed on my account and replaced them claiming other months. Additionally, I previously filed a complaint against XXXX XXXX and the company XXXX XXXX XXXX in XXXX for fraud. I received a call allegedly from the XXXX XXXX  's executive branch. I returned their call numerous times and left messages, but they never call me back. There was no reasonable investigation into my claims. 

Below I enclosed the reporting from my Equifax Credit report and as you can see, XXXX first removed the late payments then slapped them back onto my account. 

I am trying to buy a home and XXXX 's action demonstrates their conduct for which I seek damages. 

t looks like your payment history was updated or corrected. If you're not sure why this happened, you could contact your lender to find out more. 
Your account payment history was updated. Here 's what changed : XX/XX/XXXX : 30 days late XX/XX/XXXX : 30 days late Here is what your payment history showed before : XX/XX/XXXX : Current XX/XX/XXXX : Current

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from 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 XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnionhas NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please delete the following accounts : ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 non-monetary relief
Consumer complaint received 2022-05-22
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 ACCOUNT # XXXX, XXXXXXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX and XXXX XXXX XXXX ACCOUNT 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK

Complaint:
I was attempting to settle a debt with XXXX XXXX. I talked with XXXX on XXXX separate occasions for pay off. The first time it was {$2700.00} about six weeks ago. Then I contacted XXXX again 3 weeks ago and he said it was {$2800.00} ( interest added ). I was waiting to get closer to when I could pay this debt, so I called XXXX XXXX. XXXX explained to me the debt was now {$11000.00}. Apparently what happened was the bank i was working with called XXXX XXXX to get a payoff. XXXX XXXX then realized more money could be available, so they changed my payoff to {$11000.00}. 
My problem is the loan will not be approved know because I do not have enough equity to pay the additional {$9000.00} needed for the loan to go thru. 
They also asked to see my Loan Estimate and Closing disclosure ... .and they would consider reducing the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.

Complaint:
Fraudulent activity was spotted on the credit card. Reported to the issuing company, chase. They removed the charges to conduct their investigation. Resulted in them saying they believe the charges to be valid based on merchant reporting identifying information that matched along with an ip address match. Subsequent research found my personal information to have been leaked in previous data breaches compromising my personal information. Believed to have suffered from identity theft resulting in the fraudulent charges on the account. Have since filed fraud alerts on XXXX, identity theft report with the ftc, and exploring other avenues of recourse. Chase conducted a secondary investigation but still believes the charges to be valid and not honoring the fraud protection offered on the account.

Company response to consumer: Closed with explanation