hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-01-25
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX ( Original XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$78.00} XXXX XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY

Complaint:
On XX/XX/XXXX I was a victim of Identity theft, someone had, opened over 7 accounts in my name one was XXXX XXXX XXXX XXXX XXXX. I do not know when the account was opened or, type of account I am assuming it was a credit card of services. I also contacted XXXX XXXX XXXX by certified letter, and also filed a police report, and a Identity theft report as, well as spoke to all three credit companys about the Identity theft, there was a block placed on my credit report. I am still trying to recover from this event that has shook me to my core. XXXX XXXX XXXX XXXX XXXX  did not remove the hard Inquiry that was placed on my credit report with XXXX XXXX XXXX  they placed the Inquiry on my credit report onXX/XX/XXXX. I again am shocked that this is happening, and it is taken a toll on me mentally, and physically. To this day even after I placed a Identity theft alert on my credit report, I have two more Inquirys placed on my XXXX credit report XXXX XXXX XXXX XXXX date XX/XX/XXXXthat was not autherized by me, and XXXX XXXX XXXX XXXX   also pulled my credit report from XXXX on XX/XX/XXXXI have to go to the social security office to change my social security number do to the outstanding damage this is causing my credit, and Identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
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 — Their investigation did not fix an error on your report
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. 

Account name : XXXX XXXX XXXX has violated my rights. 

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

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

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 ( AX1 ) 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. 

Transunion keeps reporting this account it needs to be blocked and removed permanently

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
On or about XX/XX/XXXX I received a letter from Portfolio Recovery Associates, LLC making an allegation that I owed {$520.00} to the original creditor. " XXXX XXXX ''. PRA sates that they purchased the alleged debt from " XXXX  '' on XX/XX/XXXX. I've never heard of or from XXXX  in the past regarding this alleged debt and when I tried contacting them ( XXXX ) I spoke to one of their representatives ( didn't want to give me his name ) and informed me that they are no longer " XXXX  '' and that " many '' years ago they separated from " XXXX '' and now go by the name of " XXXX XXXX XXXX ''. I wrote a letter to PRA requesting validation of debt and the authorization they have to collect this alleged debt dated XX/XX/XXXX and as of todays date PRA has not provided me the information I requested. PRA is knowingly violating the FCRA & trying to collect an alleged debt that has passed the " statue of limitation '' in the state of Montana which is 8 years. PRA actions of not providing me the required validation of debt & trying to collect on an alleged debt that they know has passed the " statue of limitation '' bring into question the integrity of their business practice but unfortunately for them as a victim of identity theft I've become a well informed consumer and know my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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:
The Credit Reporting Agencies have not complies with the Fair Credit Reporting Act section 605b, and conrtinued reporting the fraudulent accounts and information on my Credit File without providing me any proof of documentation they found to claim such erroneous things. I am submitting this CFPB Complaint to remind the Credit Bureaus that under the Fair Credit Reporting Act, they are required to remove any accounts that resulted due to identity theft. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. Please see the list of accounts and information I need removed below : XXXXXXXX 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 I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus must report accurate and up-to-date information, and I believe that these accounts are in violation of that law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-01
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:
This is now attempt number ( 3 ) to have unverified entries on my credit report deleted as they have yet to be verified under FCRA law. After reviewing my credit report recently, I realized that I had number of entries reporting as closed that had never been verified as I do not accept responsibility. I have contacted CFPB twice now and the companies have yet to provide any written or physical documentation that demonstrates that these accounts are in fact mine. Under FCRA law, section 611 ( a ) ( 5 ) ( A ) ( i ), ANY item that can not be VERIFIED is required to be deleted or else this is a violation of my rights as stated to me by my attorney. I have submitted complaints on XX/XX/2020 & XX/XX/2020 respectfully with no proof being provided after investigations. I seek remedy or else I have no further action but to file suit for deformation. I only ask that these persistent and inaccurate/ unverified entries be deleted as they are negatively impacting my livelihood. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
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:
In accordance with the Fair Credit Reporting act XXXX the following accounts have 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. 

- Account # XXXX Account Name-XXXX XXXXXXXX XXXX -Account # XXXX Account Name- XXXX XXXX XXXX -Account XXXX XXXX Account Name- XXXX XXXX XXXXXXXX -Account # XXXX Account Name- 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 2021-06-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC

Complaint:
The debt collector is looking for someone who is not me. Ive stated this twice on two separate calls, and to date have called me 14 times. One call the individual was bullying me to provide information. I do not know who the creditor is because they will not provide that information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates

Complaint:
Dear Collector : Please be advised this letter is a demand for validation pursuant to the Michigan Consumer Protection Act and the FDCPA, made by XXXX XXXX. Your failure to respond may trigger action for damages brought by an individual consumer against XXXX XXXX XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulates what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information. 

Be advised THIS IS NOT MY DEBT! Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g ) : I XXXX XXXX states that your claim is disputed and validation is requested. During this period of dispute, consistent with the requirements of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., you are required to stop all efforts to collect this alleged debt and remove any negative reporting to any credit reporting agencies or be held accountable for the ensuing liability and penalties arising under the FDCPA. Further consistent with the requirements of the FDCPA, 15 USC 1692g, please verify the debt you are seeking to collect, in writing, in the following particulars : What the money is owed for ; Explain and show how you calculated what you say is owed ; Provide copies of any papers that show the amount claimed to be owed was agreed upon ; Provide a verification or copy of any judgment if applicable ; State if you purchased this debt from the original creditor ; Prove the Statute of Limitations has not expired on this account Show proof that you are licensed to collect in Michigan Provide copies of your license numbers and Registered Agent

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 2023-02-24
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
To whom it may concern:
I dispute the negative items in my credit profile. I dispute these claims and demand that any information be removed from
reports immediately if it is inaccurate or misleading, as this will only harm me further!Upon review of my report, I noticed that
several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this
document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not
received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied
with the reporting requirements, and report without any deviations. Please note that if you have not complied with the
requirements, I will need to remove them from my report.Per 15 U.S.C  1681e Whenever a consumer reporting agency
prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information
concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 (Regulation V) requires furnishers to: A -
Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about
accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe
XXXX standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards
jeopardizes the integrity of data. This means any mistakes when reporting claims can have serious consequences for accuracywhich affects your federally regulated reports!With that said! I found some mistakes and inaccuracies in your report, which I
would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate
statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
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: Consumer Adjustment Company Incorporated

Complaint:
Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Consumer Adjustment Company a request to block a fraudulent account that is being reported on my credit report. The request was sent via certified mail recorded delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.

Complaint:
I have this XXXX phone carrier and i did pay my last bill and i switch to low income phone arranged by XXXX too and they give me new account for some reason their still charging me for the old account that i stop using.. i was allready switch to low income phone bill.. i tried to dispute this to XXXX but they are not working with me and they turn me to the debt collection Company name XXXX XXXX XXXX and this debt collector reported to my XXXX and ruined my credit report.. i need this bad regatory remark to be removed to my XXXX this is the only credit report.. XXXX remove this debt collection to my credit report this new law been removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/2022, letters were sent to each credit bureau reporting agency requesting they verify the accuracy and authenticity of specific negative accounts I found on my credit report. Correspondences were sent certified mail ( see attached ). 

Upon conclusion of their investigations, the inaccuracies still remained on my credit report, causing irreparable harm with my interactions with creditors in trying to obtain loans and lines of credit to start my small business and also to obtain prequalification for a mortgage to purchase my first home. 

The Credit Bureaus stated the accounts were properly investigated but how is it possible that there are still inaccuracies such as Date Opened, Date Last Active and Date Last Reported, no Payment History, and inaccurate comments. This is grounds for removal and they also violated my rights under the follow statute : 15 U.S.C. 1681 sec 602 A - States that I have a right to privacy.

15 U.S.C. Section 604 A Section 2 - States that a consumer reporting agency can not furnish a account without my written permission. 

Also the credit bureaus took more than 30 days to complete their investigation see attach for certified mail tracking info.

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 2022-03-18
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:
This is my next stop to get the corrections needed on my credit report. About 4 letters and 2 phone calls each have resulted in no corrections so far from Experian, XXXX, and XXXX. LATE payments listed on XXXX to whom just took over the account is not correct. Personal informations listed that I have never resided. The incorrect reporting to my credit file has cost me a promotion and stopped me from growing with the company I work for. This is wrong and I demand it be corrected.

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 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have been unsuccessful in my attempts to be provided validation in connection with accounts listed on my credit report : XXXX. XXXX XXXX XXXX  {$2600.00} XXXX. XXXX XXXX XXXX XXXX {$570.00}. 

There are duplicate entries on TransUnion report XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. 

There are duplicate entries on XXXX XXXX. XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX for XXXX sent correspondence in response to the validation request reporting a court-awarded judgment.

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 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
I've sent several letters to XXXX  to request debt validation documents and the company has not provided me with any documentation that supports any derogatory marks are valid. They only update remarks with limited information on how they validated the account. The first letter was sent out on XX/XX/XXXX and I received no response. The second letter was sent XX/XX/XXXX and still received no verification documents. I called XXXX  the third week of XXXX which they claim they never received not one of my letters until I talked to a manager and he claimed my letters were received and being handled. Still haven't heard anything from XXXX. XXXX XXXX  accounts should be removed immediately as these accounts were reported fraudulent on XX/XX/XXXX and removed..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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: EQUIFAX, INC.

Complaint:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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