hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/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 2018-11-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION

Complaint:
Today XX/XX/2018 I received a letter from XXXX XXXX XXXX demanding that I pay a fraudulent " balance due '' of {$310.00}. The letter references an acct No. XXXX and is addressed to me at my home address. I have never gotten any loan nor had any contact or dealings with XXXX XXXX XXXX or any other outfit for a loan of any kind. This is fraud. 
When I called the Customer Assistance dept and spoke to XXXX, the first thing he demanded of me was my SSA # and my Date of Birth : the very things a thief would use to make a fraudulent claim! He said that he " could not find me in the system '' under my name and the Account number above. He admitted that his company had generated the letter, but said he could not help me at all unless I gave him a bunch of personal financial information as noted. Then he transferred me to his Supervisor, XXXX XXXX, who repeated exactly the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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:
This is in reference to the consumer report sent by your company via electronic form through XXXX, XXXX and Transunion. While checking the above report, it came to my notice that your company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ) the term Communication means that conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report { bearing information regarding the alleged debt } by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing your formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any consumer reporting agency. 

Any further contact by your agent or company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 


Thank you for your cooperation

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 2017-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
On  XXXX   XXXX ,  XXXX  I entered into a 24 month lease for a new  XXXX   XXXX   XXXX  with creditor  XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   ).  Note, that the contract did not asses s a Disposition Fee upon return of the vehicle ( see attached contract ). The first lease payment of {$100.00} was due upon signing the lease ( see attached contract ). The subsequent 23 lease payments were paid in one lump sum, totaling {$2400.00}, and was receive d by  XXXX  on  XXXX / XXXX / XXXX  ( see attached   XXXX    statement ). At the end of the lease the vehicle underwent a Lease Termination Inspection and there were no charges as sessed for either Normal Wear & Use or Excess Wear & Use ( see attached inspection report ). T he vehicle was returned to the dealership where it was purchased in  XXXX  of  XXXX . There was not a problem with this account until  XXXX   XXXX .  XXXX  fraudulently reported to the  XXXX  major crredit bureaus that I still owed a lease payment of {$100.00} in addition to a {$5.00} late charge thus totaling {$110.00}. I 've disputed this with the credit bureaus supplying them with the proof attached hereto but they have not removed this fraudulent charge because  XXXX  's electronic response to the credit bureaus is " this account is being reported correctly. '' On a recorded line with   XXXX   on  XXXX / XXXX / XXXX  a  XXXX  representative stated that the {$110.00} charge is NOT owed but still on my account because they have not y et received a " signed odometer statement from the dealership. '' Whether or not   XXXX   ever receives a signed odometer statement from the dealership, that has since changed ownership, does not give this creditor the authority to commit fraud against my credit history causing an unjust, significant decrease in my credit score due to thier fraudulence.

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 2021-01-25
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 sent a dispute to the credit bureaus XX/XX/2020 In the results I got back I was informed that my XXXX XXXX account which was showing late payments were updated to they were never late ( 100 % good payment history ) Now when I pulled my new credit report today I noticed that these items were reinserted showing as late again and the company just simply changed their name on my credit report and reported them as late again. This is fraudulent in my honest opinion because they didnt follow the law pertaining to reinsertion and they also changed the name that they were reporting it under as if playing some type of game with me and my finances as I am being harmed badly by this unlawful reporting. My life, my finances, my credit report is no joking matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.

Complaint:
I sent a letter to dispute this debt, which I didn't believe I owed and to request that CCS ( XXXX XXXX XXXX ) validate the debt by providing the documentation and information that I requested in the letter sent. I sent this letter certified mail on XX/XX/2018. Since the above mentioned date I haven't received any of the information I requested.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC

Complaint:
This collection company started reporting on my credit without any written notification prior to reporting. This is not my debt, I was able to get the original creditor removed from my report and did not have a chance to dispute with the collection agency prior to them reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-02
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:
On XX/XX/2017 I submitted a list of items that were unknown to my records and also unverifaible. I waited on a response and after 2 months I have 0 results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.

Complaint:
A Citibank Credit Card was sold to XXXX XXXX and 2 law suits were filed the first was dismissed to investigate the fraud claim the law firm for XXXX XXXX XXXX and XXXX never contacted me after that 3 months later they file a 2nd Law suit. I completed the fraud affidavit and filed a complaint with the XXXX XXXX PD. And provided all requested information in regards to XXXX AND XXXX XXXX and XXXX to show proof this credit card along with 3 others were opened fraudulently by my exwife .. who admits to using my Social security number to open fraudulent accounts. Both XXXX and XXXX XXXX XXXX XXXX continue to peruse me legally for a fraudulent account. I have yet to receive a response from XXXX nor XXXX XXXX XXXX XXXX in regards to their investigation or finding from the fraud affidavit that was sent to both companies over a month ago. The law suit is still pending and both companies continue to attempt to collect an account that was fraudulently open.

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 2020-10-20
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: Experian Information Solutions Inc.

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2019-08-20
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:
XXXX; Experian and XXXX are reporting incorrectly a charge-off on the XXXX/XXXX – partial account number XXXX.  (Please see page 15 of the attached credit report.)  This account was settled and paid-in-full over five (5) years ago.  This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.  I have contacted the (3) bureaus to remove this, however I have not been successful.

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 2022-10-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.

Complaint:
Experian has been reporting this account for years. I have tried to get this account removed because of Identity Theft. Every time they send me a letter back saying that this debt is valid and confirmed. I tried reaching out to the debt collector company and found out that XXXX XXXX XXXX is permanently closed effective XX/XX/XXXX. I sent mail to this company myself on XX/XX/XXXX, and the entire envelope I sent to them came back as undeliverable on XX/XX/XXXX, which confirms their closing down. The dates on the report are from XX/XX/XXXX to current.

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 2017-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint:
USAA applied payment to a 0 % promotional balance instead of an interest bearing balance. I contacted them to attempt to correct the issue and they refused citing their cardholder agreement. I cited the XXXX Credit Card Act and attempted to explain the excess payment rule, however they refused to correct the balance change. 

I did not attach statements from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as they contain PII.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.

Complaint:
Each time I have logged into my Experian account, I am greeted with a message that I am enrolled in a program called ExperianWorks and I never recall enrolling in such a program. There was no option to disenroll from this program, it was as if it was forced upon me. I tried several times to disenroll myself from this program but wasnt ' able to. Now, Experian has charged me XXXX for enrollment in this program that wasn't by my own volition and is preventing me from accessing my credit report and credit account until I have paid this charge. I feel that this is outright extortion by Experian for I have never enrolled in this program by my own volition. I have only used this credit card which they have stored as a payment for a single purchase of a credit report and Experian took that card and automatically enrolled me in a program which I do not desire to be enrolled in. I have attached the image that I am greeted with when I attempt to login to Experian to obtain my credit report and credit file. I am not allowed to access my credit report because they require me to make this payment for enrolled in a program I do not desire to be in, and have prevented me from disenrolling. 'thanks.

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 2018-09-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation

Complaint:
On XX/XX/XXXX I purchased a bike from XXXX XXXX XXXX in california. On XX/XX/XXXX I contacted XXXX  XXXX XXXX and requested a full refund. They told me by email that it would take 24 to 48 business hours to process. Than I got another email saying that it will be 7 to 10 days. I waited than I co tacted netspend and they informed me that they didnt receive the right information to release my funds. So I got what they needed and contacted XXXX  XXXX XXXX. They said we have sent numerous emails and faxs to the company. Finally on XX/XX/XXXX my fiance called netspend and spoke to a supervisor and did a three way call to XXXX XXXX XXXX and had a supervisor on the line ... the netspend people told XXXX  exactly what to do. XXXX said they have done this so many times and will do it one last time. Unfortantley, i received an email that says the documents we received was not an approved document. My fiance called netspend today, 3 weeks later and netspend customer service said the document is being reviewed ... .I ont understand why they just cant contact each other via phone and take care of this matter once and for all.

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 2023-04-16
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. 

Company XXXX XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXXXXXX XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX - has violated my rights. 

Transunion refused to provide documentation on how the accounts were verified. 

15 U.S.C 1681 section 02 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 Stated : 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.

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 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 non-monetary relief
Consumer complaint received 2021-02-04
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: Experian Information Solutions Inc.

Complaint:
I have a DISMISSED Bankruptcy that was filed in XXXX and is almost at the 10 year mark ; I have disputed it with the bureaus trying to get it removed prior to the 10 years, especially since it's dismissed and doesn't legally exist any longer and can only be verified through public record. My first dispute with the bureaus was on XX/XX/XXXX followed by a 2nd dispute on XX/XX/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 2022-11-26
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: EQUIFAX, INC.

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX Balance : {$3600.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXXXXXX XXXX Balance : {$47.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$58.00} ; XXXX  XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY

Complaint:
I had direct deposit of my paychecks at Well Fargo Bank in XX/XX/XXXX. At some point I had incurred a large charge for one insufficient fund item. Before I knew it 5 or 6 very small checks hit and as a result of the unknown debit for the service charge. Result 6 more service charges. I switched the direct deposit because the service charges were larger than my paycheck. In XX/XX/XXXX, I received the first call from a collection agency. I told them that I would only deal with the original creditor. Over subsequent years the debt was sold to a different collection agency, and then later to a third one. Yesterday, I got a call from a blocked number telling me his name was " XXXX '' and the he was a private processor attempting to deliver me a summons for a civil suit in XXXX County against me. He gave a number for a so-called XXXX XXXX XXXX XXXX XXXX and a case number. ( The case was actually non existent, according to XXXX County. ) When I called the number a " secretary '' answered and asked for my " case number ''. I asked to speak to the " attorney '' handling my case. He told me that a suit had been filed against me for {$3300.00}. When I began to ask more questions such as how the amount was calculated the " attorney '' became evasive. He told me he recognized that I was trying to " set him up '' or that I was " fishing for information ''. I informed him that by Texas law the amount in dispute is way beyond the statute of limitations and is unenforceable. He became quite nervous and defensive and told me he did not want to say anything else and hung up the phone.

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