hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-12-02
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX has violated my rights. 
XXXX & XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.

Complaint:
I had my vehicle stolen in XX/XX/XXXX that was recovered by the XXXX XXXX Police department approximately 10 days later. My vehicle had been towed to the XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX. 
When I went to the XXXX XXXX XXXX yard to recover my vehicle I was devastated to see that the tires were missing, the seats were gone, the glove box and interior was stripped and all my personal belongings in the car were gone. I advised the rep working for the tow yard that I had no interest in the vehicle at this point as the accumulated tow fees exceeded the value of the vehicle at this point in time and was releasing myself of any and all liability on the vehicle and that the paperwork on vehicle was in the vehicle which they would not allow me to retrieve. The rep stated that was fine if that's what I decided to do. The only notification I ever received from the XXXX XXXX XXXX company was the notice of auction. A few months later I received a collection notice from IC Systems XXXX XXXX  XXXX XXXX XXXX, MN XXXX XXXX XXXX dated XX/XX/XXXX indicating that they were attempting to collect a debt for XXXX XXXX XXXX company in the amount of {$2700.00}. I spoke to XXXX employee ID XXXX at IC Systems on XX/XX/XXXX and filed a dispute since I had never received any type of billing notice from XXXX XXXX XXXX. I was advised that a billing statement would be requested and sent out to me which to this date I have never received. I spoke to Mr. XXXX on XX/XX/XXXX and was advised that he would escalate the request to his Manager to have a billing statement sent out to me which I have not received. I spoke to XXXX at XXXX XXXX XXXX on XX/XX/XXXX whom was very rude she indicated that the vehicle sold at auction and I am responsible for the towing and storage fees on this vehicle. I wanted to know why wasn't a bill ever sent out to me and she stated that one was sent but would not verify the address or date it was sent. 

If any additional information is needed please let me know. 

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 2021-03-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.

Complaint:
ON SATURDAY XX/XX/2021, I RECEIVED A MAILING FROM CHASE BANK AND THERE WAS A NEW DEBIT CARD FOR A NEW CHECKING AND SAVING ACCOUNT THAT WAS FRAUDULENTLY OPENED WITH OUT MY KNOWLEDGE. I CONTACTED THE BANK AND THEY SAID IT IS NOW CLOSED THEY DO NOT KNOW HOW IT WAS OPENED AND ARE MAILING ME INFORMATION TO CLEAR MY NAME. MY COMPLAINT IS MY SOCIAL SECURITY WAS USED PLUS ALL MY INFORMATION IS OUT THERE. THIS IS THE FIRST OF 2 BANKS IN 1 WEEK.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
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 a victim of identity theft. I'm a single Mom and I'm stressing that I cant go back to school because someone has stolen my identity, what do I do now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
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: EQUIFAX, INC.

Complaint:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4000.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX AUTHORIZED USER Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XX/XX/XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK

Complaint:
I am A XXXX Veteran being treated for XXXX XXXX by the VA hospital in XXXX. I do some time remembering thing, but it does come back. I had two Discover credit cards XXXX and XXXX, which I stop using in XX/XX/XXXX due to them not Honoring the payment protection plan that they made me carry that was ruled illegal by a federal court in XX/XX/XXXX and again in XX/XX/XXXX. Discover sent in negative credit reports to the credit reporting people wall rising my credit limit to {$30000.00} each card. And then charging me for transferring money to some account in cyber space. They claim it was hackers or computer problems. But this was what the courts in XX/XX/XXXX and XX/XX/XXXX ordered them to stop doing! It was proven that employees were doing this! It seems that they believe that due to the Federal court being in New York the federal orders do not apply to people in Michigan!!! I have been hassled by them for over 6 years, them charging my cards that I stop using for money transferred to cyber accounts in XXXX XXXX. Saying that they would take me to court and put me into jail, or take my home if I did not pay. In addition it seems that Discover has giving my SS number to people who have NO legal right to have it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
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:
I HAVE REVIEWED A COPY OF MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE.THESES ACCOUNTS HAVE CAUSED A GREAT DEED OF STRESS ON MY CREDIT. MY CREDIT HAS BEEN DAMAGED DUE TO THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.

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 2022-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP

Complaint:
My account is new. 2 checks got deposited one of them bounced back the 1st 1. The 2nd one cleared I have the money in my account my account is not closed And there's no way I could touch it or use it is it and when I call a bank the they keep giving me the back-and-forth run around. I Have your family and have bills to pay and it's not fair that I can not touch my money

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 2020-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.

Complaint:
XXXX and XXXX has not removed IQ Data Financial from my credit report. XXXX has deleted the file completely. IQ Data financial is being abusive and continually calling my phone and job, saying they were going to make my life miserable and they were going to sue me. I have show XXXX I never lived there my son did. He has contacted them also to let them know the apartment was unsafe for him and his son. I just want this case closed on my credit report. I am being harrassed constantly by IQ Data Financial. I have submitted to XXXX and XXXX to have this removed from my credit report. My son is also following the same procedures to have this removed. I have proven time and again I have never lived there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.

Complaint:
I received notification from the credit card company ( citibank ) that my account had been closed. After contacting them to inquire on why the account was closed, they informed me that it had been closed at the request of myself. I had never requested closure of this account so now my concern is my identity has been stolen and someone is making decisions at my behest. I asked the company to provide me with the documentation or phone recording of when this closure was approved and they have disconnected me and gave me no help in identifying how this happens. They have also refused to reopen my account after I informed them that I was not the person who requested the closure. At this point my concern is someone has my identity and the company will not help me in finding how this happened

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 2023-05-08
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:
The mortgage company didn't provide a legitimate consideration or accounting request. A mortgage contract requires both parties signatures they never signed with a wet signature

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
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.

PLEASE SEE ATTACHED LETTERS.

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 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX  Date Updated : XX/XX/2016 XXXX XXXX XXXXXXXX XXXX, FL

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 2021-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
as i have previously notified the bureaus before, I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC

Complaint:
XXXX/ ERC : I was lied to as to the total cost of their services from day one. As their bills continued at a rate above what i had agreed to. I tried to discontinue service. I believe it took between 3 and 4 months for service to be turned off. finally they turned it off after i called and threatened law suit. 
I would like to see any and all agreements that i signed where i agreed to pay them this or or any amount of money. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX OF XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX VERIFY XX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022.

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 2022-08-17
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: Experian Information Solutions Inc.

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX Reference # : 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 2022-08-04
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 been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.

Complaint:
I took the balance transfer from chase and then after that I set the auto payment to minimum due amount but chase tried for the full payment my bank does not have sufficient funds and then they charged me overdraft charges. After couple of days they retry again for full payment and again they charged the overfldraft fees. Chase also again charged me on the returned amount XXXX XXXX 

I asked the proof from chase on retry terms and conditions on agreement and proof for auto pay for full payment they have not sent me for 2 months. They are keep on interest charges to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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: Maximus Education, LLC dba Aidvantage

Complaint:
In accordance with the fair credit reporting act credit ( XXXX XXXX XXXX XXXX XXXX ) has violated my rights,15 u.s.c1681 section 602A. states Ihave the right to privacy 15u.s.c 1681 section 604A SECTION 2 ALSO STATES A COMSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTION ... .NULL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

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

Company response to consumer: Closed with explanation