hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
Sent a certified letter to your company regarding inaccurate reporting from your credit bureau. Your company received my certified letter on XX/XX/2020. My report still contains unauthorized information. Please refer to my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
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:
I have an issue with Experian removing a debt to XXXX XXXX XXXX  from my credit report due to identity theft in early 2019 then adding it back mid to late of 2019 with no notice or explanation of debt validation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY

Complaint:
Company claiming to be american express Phone number XXXX XXXX XXXX Calling personal number repeatedly Calling AT WORK Calling about father 's credit card, not my own Looks really bad to get calls at my own work over this. Especially when they call customer service to ask for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Camino Financial Inc.

Complaint:
I NEVER APPLIED FOR A CREDIT CARD I BEEN VICTIM OF IDENTITY THEFT

Company public response: Company believes it acted appropriately as authorized by contract or law
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-11-11
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) Experian and XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX accounts # XXXX AND # XXXX has violated my rights 15 USC 1681 section 602 A. States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent If you have any questions or concerns I can be reached at XXXX.

Company response to consumer: Closed with explanation
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.

Complaint:
In late XX/XX/XXXX, I mailed a dispute with FTC documentation to Equifax disputing the inquiries below as unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX On XX/XX/XXXX, I contacted Equifax regarding the above unauthorized inquires on my credit file to no avail. There was sadly a language barrier issue involving the representatives that I spoke with at Equifax, and they did not resolve any of the issues on my credit report listed above resulting in me filing a complaint with the FTC regarding this matter. These inquiries have negatively impacted my credit, and adversely impacted my ability to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
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: The Savings Group, Inc.

Complaint:
Falsely gave permission to the following parties, using forged consent, to create hard iniquities on the following reports : XX/XX/2023 XXXX XXXX XXXX XXXX Credit Report XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Credit Report. 

XX/XX/2023 XXXX XXXX XXXX Credit Report. 

XX/XX/2023 XXXX credit file locked for security reasons. 

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX  XXXX Credit Report XXXX XXXX : Organization : RateGenius , Inc . 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Country XXXX XXXX XXXX : XXXX Fax : XXXX Email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC

Complaint:
Beginning in XX/XX/XXXX-present I have disputed a credit card with XXXX XXXX XXXX XXXX  when I noticed on my account as charge off. I have sent four rounds to the three credit bureaus, I have even sent validation letters to XXXX, and spoke with a representative at XXXX XXXX XXXX  XXXX  and she stated they did not have ANY information on file that hold me accountable for this debt. I never heard from a collection company and XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
My ordeal began with the {$5400.00} purchase of a defective XXXX XXXX  online on XX/XX/2023, which XXXX subsequently refused to replace. In seeking a resolution, I contacted Capital One to assist with the replacement and halt the payment until the issue was resolved. Despite multiple follow-ups with both XXXX and Capital One, including direct communication with XXXX XXXX XXXX, XXXX XXXX, the replacement has not been provided by XXXX. Instead, Capital One started to charge me a late payment of the defective computer. 

I believe that Capital One 's failure to protect my interests in this matter constitutes a serious breach of their responsibility, particularly concerning fraud protection. Rather than standing by their customer, their actions appear to support the fraudulent conduct by failing to intervene appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: JTM Capital Management, LLC

Complaint:
XX/XX/XXXX : My father received a call from a XXXX XXXX stating I needed to call her by the end of business, that it was urgent, urgent, urgent! She left a phone and case number.

XX/XX/XXXX : I called XXXX XXXX, she informed me that she needed to get some legal documents to me and asked me if i still lived at a previous address. When i said that i didnt live there she advised me to call XXXX and give them the case number. She stated she will hold off on delivery since i wasnt aware of the documents. I called and spoke to a XXXX XXXX ( XXXX XXXX ) who informed me this was an attempt to collect a debt from XX/XX/XXXX for a  mattress ( {$2700.00} ) I purchased and didn't finish paying. His tone was very forceful and after some going back and forth i agreed to a payment plan for the balance of {$930.00}. I gave my credit card info to process the down payment of {$39.00} on XX/XX/XXXX, which was drafted. At that time I thought a recurring auto draft for biweekly payments of {$39.00} was set up. After the payment was processed, the call was ended. I called back to obtain a letter or anything with the agreement as well as to thank him for his patience and working with me and he said he would send an e-mail. E-mail was sent and received. The next payment was due XX/XX/XXXX, but did not draft from my account. I intended to call them to find out why the payment wasn't taken out.

XX/XX/XXXX : My coworker rcvd a call from XXXX XXXX. When I got on the phone he said he was calling regarding the arrangements i had with his office, i immediately recognized his voice and asked if i could call him on my personal cell phone. He provided the XXXX number and i called about 15 minutes later, nobody answered the phone. I called several more times, got a voicemail once and left my information for a call back. ( Mind you this was not XXXX XXXX 's voicemail ) I called twice more and on one occasion it went directly to hold music. After holding for several min. someone picked the line and hung up. I called back and the same thing happened. After that i began to be suspicious and researched " XXXX XXXX '' and JTM Capital Management , LLC. After finding many complaints about this company, I feel like i have been scammed. The debt is very old and may have already come off my credit report so I don't think I need to pay these people.

XX/XX/XXXX XXXX - Called the number again and a XXXX XXXX answered. I only wanted to find out if XXXX XXXX would answer. After printing the letter that was e-mailed to me, it has my old address, which most creditors would have asked for the correct updated information. The letter does not even look official, fonts are different as well as some basic punctuation missing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on MIDLAND FUND. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.

Complaint:
This Company, FBCS repeatedly calls Me. I do not owe any Debt and have told them. They continue to repeatedly call. Have received no written information about any alledged debt by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: GOLDMAN SACHS BANK USA

Complaint:
I contacted Apple credit card on XX/XX/23. This is the date my statement balance of {$990.00} was due. I had a total balance of I {$1500.00}. I explained to an employee ( I still have all the messages in my text thread ) that I ran into a situation and that I needed about 2 weeks to pay my balance in full, and ask if they could waive ANY interest charges ( OR FEES ) since I had a good relationship with them. The minimum payment was {$25.00} and I specifically asked if I only paid that, would I have to pay ANY interest and they said NO, because I was gon na pay the full balance off within 2 weeks. I paid the {$25.00} ( and they didn't credit my account ) and the next day they started charging interest to my account, after I got a clear reply that they 'would n't ''. I feel like this was exploitation. One of the reps did file an internal complaint on my behalf but because I was already given bad information I feel its best if I get a third party involved. This isn't about Apple or Golden Sachs policies on interest, this is about the conversation I had with an employee. Because I was given specific answers to specific questions, I feel that should be honored, regardless of who I speak with in the company after that. Now my account is accumulating interest everyday. Had I been told that when I asked, I would have figured out another way to pay the balance off in full on the due date,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-21
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: Experian Information Solutions Inc.

Complaint:
I have contacted Experian to dispute several accounts due to identity theft. The first attemptat solving this issues was in XX/XX/2020. I received a letter stating the accounts were verifiedwithout any proof of verification nor my actual signature signing for the authorization ofthese accounts. Since Experian didn't take my concerns seriously I have since received anerroneous amount of inquiries have shown up my report as well. Based on the last letterreceived from Experian a human did not even bother to investigate my complaints. Theletter was very generic and nothing was done to correct the problem. Experian has violatedSection 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15U.S. Code 1681b, Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) & section 605B of theFair Credit Reporting Act ( FCRA ). I have attached all supporting documents for this claim. 

Accounts in question : XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/2020 US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX  Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 NXXXX XXXX Inquiry date : XX/XX/2020 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 2022-06-18
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 account name : 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 2018-04-17
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: United Resource Systems, Inc

Complaint:
THIS MEDICAL DEBT FOR XXXX XXXX XXXX WAS JUST RECENTLY PUT ON MY CREDIT REPORT, I CHECK MY CREDIT REPORT OFTEN I AM WITH XXXX XXXX AND THIS WAS NEVER ON MY CREDIT REPORT. I SPOKE WITH A FEMALE NAMED XXXX, SHE ADVISED ME THIS PAID {$11000.00} AND THIS WAS PAID OUT OF NETWORK, SHE SAID FOR ME TO APPEAL THIS AND MAKE IT KNOWN THAT THIS WAS ALL UNDER PAID SHE GAVE ME MORE INFO IN REGARDS TO THE PAYMENT BEING REVERSED OUT ON XX/XX/XXXX, AND THEN PAYMENT WAS PAID {$4400.00} & {$4100.00} PAID ON XX/XX/XXXX ... ..TOTAL THAT WAS ONLY PAID WAS A LITTLE OVER {$8000.00}. SHE ADVISED ME TO APPEAL FOR XXXX XXXX XXXX. SHE STATED FOR ME TO ADVISE THE INSURANCE THIS WAS BEYOND HIS CONTROL FOR MEDICAL EMERGENCY. SHE STATED THAT THE XXXX XXXX XXXXXXXX WILL TAKE A PATIENT IF DEEMED NECESSARY AND OUT OF ONE 'S CONTROL. XXXX XXXX HAD A 2 XXXX AND HAS NOTHING, NO ASSETS BUT HIS CHILDREN .THE REASON FOR MY COMPLAINT IS THAT THIS WAS NEVER, I REPEAT NEVER ON MY CREDIT UNTIL I MADE THIS CALL TO FIND OUT WHAT WAS PAID FROM HIS INSURANCE. IF IN FACT THIS IS HIS DEBT AND NOW MY DEBT THEN WE SHOULD HAVE AN OPPORTUNITY TO HAVE BEEN NOTIFIED FROM THE ORIGINAL CLIENT TO GIVE SOMEONE AN OPPORTUNITY TO MAKE SOME TYPE OF ARRANGEMENT TO PAY {$10.00} A MONTH OR BE ABLE TO DISPUTE THIS FROM THE BEGINNING. THERE WAS NEVER ANY NOTIFICATION GIVEN ITS JUST ON THE CREDIT REPORT. MY COMPLAINT AGAIN, IS THAT THIS WAS NEVER ON MY CREDIT REPORT UNTIL JUST ABOUT 2 OR 3 WEEKS AGO AND IT'S BEEN IN COLLECTIONS FOR ALMOST 2 YEARS PER XXXX AT UNITED RESOURCE SYSTEMS. THANK YOU XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
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:
The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX ( Original Creditor : 11 XXXX ) account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report.Account is listed as collection / charge-off. It's showing a balance of {$980.00}, per the FCRA this is a violation, balance should be {$0.00}. 

Date Opened : Inaccurate Balance : Should be {$0.00} Date Last Active : Inaccurate Date of Last Payment : Incomplete

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