hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
I have tried on numerous occasions with XXXX XXXX to get this fraudulent account that's reporting {$170.00} from 2014 on my credit, tarnishing my name and misrepresenting myself as a consumer in society. I've been told numerous times that the item should be removed within 30 days in the last 6 months and it still resides on my XXXX credit report. This account was never opened by me and does not belong to me. I am a XXXX XXXX veteran and can not live my life the best I can with this item hurting my credit.

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 2020-04-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Seattle Service Bureau, Inc

Complaint:
National Service Bureau threatened me with jail time and revocation of my license over an auto mobile accident. I had insurance during the accident but my insurance provider refused to pay because it was not the correct type of insurance. I understand that I am financially responsible to pay back the debt but they are asking for amounts that I am not able to currently pay. I have been out of work due to covid-19 pandemic and they threaten me with jail and revocation of my license. Also screaming at you on the phone and are extremely rude and very aggressive. I've tried to work with them to come up with a reasonable amount to pay back but they demand I pay a certain amount a month which I am not able to. It's alarming because of how aggressive they threaten every time I speak to them. I am willing to pay the debt back but I can not pay them what I do not have. It's especially a shame because I've explained to them the situation with my insurance and they just do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.

Complaint:
ok so the credit agency have just completely disregarded my consumer identity and i want to know how is it even remotely possible to report inaccuracies on my credit report without my consent? there is mistake after mistake on my consumer report? how many laws will they be able to break. how much of my livelihood will they be able to destroy? account in question XXXX they have violated my rights. how can i have a account reporting on my consumer report without my consent.i did not give a third party to report this bill and it is not legal please validate by providing the origional contract also show where i signed to pass this debt to a collector. they have violated hippa privacy laws. they are also still in the 12 month grace period and shouldnt be reporting the credit agency in question has completely mishandled my credit report and violated the following laws 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc.

Complaint:
American Collections have falsely listed multiple collections accounts on my credit report. I have never heard of this agency nor do I have any knowledge of these accounts.

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 2022-12-24
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: EQUIFAX, INC.

Complaint:
XXXX XXXX have violated my rights according to 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 : 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. Because XXXX and Equifax show totally different information and the dates, amounts and reporting information is inaccurate. The following shows the inaccuracies. This needs to be removed immediately. 

Date Opened XX/XX/XXXX XX/XX/XXXX Balance : {$43000.00} {$43000.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$38000.00} {$38000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$6000.00} {$5300.00} Payment Status : Late 120 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Variable rate Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
XXXX - made a {$300.00} payment to my credit card. 

XX/XX/XXXX - payment cleared my bank account, but card still shows no available credit though the balance owed has decreased by the payment amount. 

XX/XX/XXXX - call customer service to see when available credit will be updated. Rep advised there was a payment hold that wouldn't be released until XX/XX/XXXX. I asked if there was a way to remove the hold as the payment has already cleared my bank account. Rep states we can conference call with my bank for her to verify the payment has cleared, then she can manually remove the hold. She put me on hold, called XXXX bank, then connected me with XXXX but fell off the call herself. XXXX said he was advised by XXXX ( Capital One Rep ) that we wanted to verify the transaction but without her on the online he's just verifying it to me, which defeats the purpose of the call. So, I call Capital One Customer Service back, and the same rep, XXXX, answers but says it wasn't her - that was someone else and quickly transfers me. The NEW rep then tells me they can't call XXXX to do a verification to remove the hold, and I told her I was JUST on the phone with a representative who actually CALLED XXXX and connected us but then dropped off the line. She says again they don't do that, so I requested to speak to a supervisor. The supervisor comes on and says they used to do manual verifications and removals of the holds but due to Covid 19 volumes they aren't doing them now. I advised her about the rep I had JUST dealt with that went all the way through the process of actually calling XXXX then disconnecting, to which the supervisor then says she probably disconnected because she realized she wasn't supposed to do that anymore. In all this roundabout of misinformation and flat out lying as far as I'm concerned with the original rep the verification could have been done and hold removed. There were NO extended hold times or extraordinary notifications of place in line of the phone queue for either Capital One or XXXX to make it seem like this would be putting anyone out. Who IS put out is me trying to access my line of credit that I made a payment to in order to be able to use the card for a time-sensitive purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint:
Sent a letter with my valid Georgia license and proof of address and asked that all other address not associated with me be removed, and they have not been removed therefore violating my rights.

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 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX****-Balance {$2300.00} XXXX XXXX**-Balance {$4100.00} XXXX XXXXBalance {$3600.00} XXXX XXXX**-Balance {$0.00} XXXX***-Balance {$200.00} XXXXXXXX XXXX****-Balance {$820.00} XXXX XXXXBalance {$260.00} XXXXBalance {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
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:
On XX/XX/2019 I applied for a loan. Once they have pulled my credit report they stated that there is a collection account from XXXX in the amount of {$630.00}. Which does not make any sense since I currently have XXXX. Contacted XXXX that day and they stated it is for an address that I do not live at. I submitted a dispute with them and I have also disputed this account with the credit bureaus. They did their investigation and because the account was then sold to a debt collection agency they have reported the account as accurate which is inaccurate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
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: Experian Information Solutions Inc.

Complaint:
I am filing this complaint because Experian and XXXX did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts, CFPB step up and remove XXXX XXXX XXXX ( Original Creditor : 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 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE

Complaint:
These inquiries have been added to my credit report without my authorization! 

XXXX XXXX XXXX BARCLAYS BANK DELAWARE XX/XX/XXXX  XXXX XXXX XXXX XXXX I disputed them with creditor and credit bureau but they remain 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
Consumer complaint received 2023-06-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.

Complaint:
I was notified by XXXX XXXX courts I was sued by XXXX XXXX XXXX for a credit card debt that was not on my credit report, I have no knowledge of this debt and they froze my chase account and took XXXX. I went over my credit report and this account was charged off in XXXX. It's over the XXXX year debt and it's violations of my consumer rights. 

When I called the attorney XXXXXXXX XXXX XXXX I was told I should have showed up to court and got hung on. I called back and tried to tell the office they have the wrong person and was told they do investigate and its my debt. 

I never heard of midlanding funding LLC. I tried calling there company was giving the run around In the last XXXX years I have been battling XXXX and was in and out of the hospital. They took my whole XXXX check, and left me with nothing. 

I requesting my money back in the amount of XXXX How can you sue someone for debt that never appeared on your credit report or charged off. 
This is the paperwork I received in the mail after I called and called each company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.

Complaint:
Do not have any knowledge of this Credit Account on my XXXX, XXXX  and XXXX  credit file to Original company One Wall. Contacted them and confirmed debt is not mine however FCO will not remove from my credit file. Insist that closed account is accurate. Please assist and remove

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 2022-12-11
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-02-08
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-12-17
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: EQUIFAX, INC.

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$87.00} XXXX XXXX Balance Owed : {$330.00} DEPTEDXXXX XXXX Balance Owed : {$3500.00} DEPTEDXXXX XXXX Balance Owed : {$1400.00} DEPTEDXXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$910.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$8000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION

Complaint:
I XXXX for a company called XXXX XXXX. I received an email from a person calling herself XXXX XXXX, stating that her boss wanted her to make an order with the company. She asked what the total would be, and I told her {$320.00}. She said that a check would be in the mail for me and that she would let me know when it was shipped. On Wednesday, XX/XX/XXXX, I received the check, but it was in the amount of {$2200.00}. I was told by XXXX that her boss had accidentally sent me the total for XXXX 's paycheck instead of just the amount for the order. She wanted me to deposit the check, make the order, and then send her the remainder of the money for her to take care of her bills, kids, and mother. I deposited the check that same day. The amount of the check showed up in my transactions, but had n't shown up in my balance until Saturday. That indicated to me that the funds were available and the check had cleared, so made the online order and then I sent the rest to her. Yesterday,XX/XX/XXXX, I noticed the check had bounced. I spoke with the bank about it immediately and they did n't refer me to the fraud department initially. The lady I spoke with told me that there was nothing they could do, and to contact Wal-mart and the police department. I called today and spoke with the fraud department, and I was told that there is a difference between funds availability and the check clearing. Today, I also drove an hour to the Navy Federal branch, where I posed the question " how would I distinguish funds availability from a check clearing '', and I was met with a response of " the account would not look any different in either instance ''. What I 'm left not understanding is why were the funds shown available if the funds were not truly available? I was also told at the branch today that the funds were shown available because the bank trusted that I knew where the check had come from based on my relationship with the bank. Ultimately, it seems that the bank was just as trusting in me as I was in the person who sent this check asking for products specifically from the company for which I XX/XX/XXXX, so why am I the one being held liable for this negative account balance?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc

Complaint:
1. Received Email notification from PayPal saying my was in a negative balance XX/XX/XXXX 2. Called XXXX that was on the form and talked with a XXXX 3.  Requested the original transactions, who initiated them, who the payee was and what account was the money to be taken from. She had some story that she could not supply the originals for me. 
4. I asked her to mail the original transactions dates to me XX/XX/XXXX and she mailed me copies of the transactions with fake dates on them. 
5. I sent Certified mail to her on XX/XX/XXXX requesting the original transaction date on all the  transactions that they said I owed and gave them 14days from date of receipt or the debt would be considered not valid. They received it XX/XX/XXXX. 
6. In XX/XX/XXXX they added more transactions to my account and increased the amount they said I owed. I have not initiated an transactions. I had expressed my concern that there was fraud on my account. 
7. They did not respond to me at all and then placed the account into collections, I called PayPal again and they refused to talk with me and treated me very aggressive and rude, told me I could only talk with the collection agency. PayPal has a 60 day period to try to resolve with them they did not even honor that period of time 8. I sent a certified letter to the collection agency and requested the original transaction dates and they were supplied with another letter from PayPal with totally different information. 
9. I have not authorized payments for what they say I owe and PayPal can not give me an exact date only a debt sometime between XX/XX/XXXX and XX/XX/XXXX or the payee of those transactions that were supposed to be taken out of my PayPal balance, which if that is the case they used money from my PayPal balance and the still wanted more money. This sounds like fraud on their account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report. Please see the attached documentation.

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