hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole  responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 non-monetary relief
Consumer complaint received 2023-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.

Complaint:
Please take care of this matter on your end. I do not owe this debt to anyone. I've notified the company and voiced my concerns. 
The shows the amount of {$690.00} is in question. I had contacted the company in question and explained my position in the matter. Please stop contacting me and handle this on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.

Complaint:
I opened inquiry-dispute more than 30 days now on my account card after not receiving the service I paid for ... credit company told me it will be credited to me numerous times now ... including calling and speaking with supervisor that promised me all taking care of ... nothing has been credited to my account... I want to open a lawsuit against my bank so they will not credit that dispute and keep lies to me on the phone when I calls each time ... .as ALL credit cards companies ... any dispute needs to be resolved 15 days and not that longer time my back holds it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc

Complaint:
I have disputed this claim to no avail, that was listed on my credit report by Hunter Warfield account XXXX, I have never rented a rental property or have knowledge of one and believe this is a fraudulent account. I am requesting that this be removed from all of the credit reporting sites and my report permanently.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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:
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. 

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

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

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 non-monetary relief
Consumer complaint received 2022-12-31
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: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 says : 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 explanation
Consumer complaint received 2022-11-27
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: Experian Information Solutions Inc.

Complaint:
XXXX All Banks XX/XX/2022 Experian I have contacted XXXX XXXX and Experian I DID NOT AUTHERIZE THIS INQURY and i have no open account to dispute for fraud relating to this inquiry please provide proof or remove inquiry

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 2019-08-14
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've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report Chapter XXXX Bankruptcy, XXXX XXXX XXXX, XXXX XXXX ( Acct XXXX and XXXX ), XXXX XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.

Complaint:
I filed a dispute with SCA Collections in regards to a debt validation. They never sent a contract that I signed with them for the debt or itemization of the charges.

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 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
Equifax has me locked out their credit reporting site because a XXXX didn't like my English and was just the rudest ca person I ever met. 

05 hard inquiries are put in as fraud or the customer service person did it on purpose. I wish I was lying but these XXXX are just rude and taught XXXX law not American law. 

They are taught to hang up on you and to say no matter what the FTC American laws. 

5 inquireys ruined my report. They are all fraud and had credit freeze on them. 

XXXX CREDIT CARD FROM 08 YEARS ago want come off credit report. I think the Indians from XXXX hate Americans and did this to XXXX me. Nothing I can do but sue, take to small claims court, or call Pattorney general of my state. 

Use a credit card should have been off my report a year ago. They are doing this to help businesses and not consumers. 
It was XXXX dollars and it was never showed by the end FTC laws that this was legal. Fcra laws tells exactly how the investigation section 604, 609, 611 and 623. These federal and state laws were not given the right investigation that people could go to jail. 


XXXX also says I was late 4 years ago and they have lied to the FTC and FAIR CREDIT REPORTING ACT. THEY NEED TO BE SUED AND GO TO JAIL. 



XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all part of a double billing scheme sent out after Ive reported fraud several times regarding the accounts due to the XXXX breach in 2017. My information was released and as you can tell from their list Im a qualified victim, and Ive been battling it ever cents. There are numerous unauthorized transactions, forwardly reported and were brushed off by each entity, including XXXX XXXX, it has been a struggle to clear up what has been a long, lasting conundrum of arguments and what if when the law protects me and should have it released within XXXX. The time

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 2022-12-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was Dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2022-07-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY

Complaint:
I'm complaining about XXXX accounts that was opened in my name that I didn't open up with TD bank I spoke with customer service and she told me that I have to come into their branch with my ID I told her I wasn't able to get to one of there branches due to transportation I am disabled so she told me she wasn't able to help me so I asked her how is it possible for someone to open up an account in my name without showing ID she told me she was able to open up XXXX online so that why I'm submitting this complaint to get this resolved the XXXX accounts numbers I'm referring to is acct # XXXX and acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$3000.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXXXXXX {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.

Complaint:
Hi, Here 's a little information about the account. My card was taken by my now ex husband which he used on his girlfriend. I set up monthly payment arrangement with them after he left and while I was going through my divorce. They told me I could no longer make the lower monthly payments anymore and I could not afford to pay the full monthly amount payments. The account was closed and charged off as a bad debt, then sold to a collection agency. I was served by this company to collect a debt. I tried on XX/XX/XXXX to contact this company ( XXXX XXXX XXXX ) in order to try and solve the debt they are collecting. I was answered with a message that this is a debt collection company. They would not accept my offer and I was told that my offer would be relayed to them and someone would call me back. I called back again on the XXXX of XXXX and I was told the message was relayed. No one has ever returned my calls. I appeared in court like I was told to and no one was there, I was taken to the clerks office, where I told I had to file a cross claim that day or they would have a judgement against me. I told them I was on public assistance in my claim and could not afford to pay them what they were asking. Because I can not afford an attorney, apparently I did not give them sufficient evidence for my claim. No one will call me back. How am I supposed to work anything out with them if no one ever calls me back. They have just added another derogatory remark to my credit score.  This is not right that they make no attempt to work with me, when I am trying to get this matter resolved. They just want to garnish my wages, make me pay attorneys fees and are unwilling to work with me at all! It is not right they treat people like this when you are actually trying to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC.

Complaint:
I do n't know anything about this collection. 
I need more information.

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 2018-02-16
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Eagle Recovery Associates, Inc.

Complaint:
On Friday, XX/XX/XXXX at XXXX I received a phone call from Kateena with Eagle Recovery Associates on my work cell phone ( XXXX ) XXXX. I explained to XXXX she had reached me on my work cell phone and asked that she not contact me at that number again. She then asked for another phone number. I advised her that I do not have a land line and did not wish to be contacted on my personal cell phone number either. I verified my address and asked her to send me information regarding this debt in the mail. XXXX then threatened to contact my employer and told me she would mark me file as refusal to pay. I have not received anything in writing regarding this debt. I called Eagle Recovery back on Friday, XX/XX/XXXX at XXXX and asked for the name of the representative I spoke to this morning because I wanted to file a complaint. The representative put me on hold to get a manager, " XXXX ''. I explained to XXXX what had transpired earlier that day and he told me a letter was sent on XX/XX/XXXX. I advised him I have yet to receive the letter and told him the representative had threatened me. He told me my account was not to the point of being referred and then proceeded to try to get me to give him another number they could call. When I told him I didn't have a number, he said I was asking for a Cease and Desist. I told XXXX I was not asking for a Cease and Desist, I just want some information in writing. When XXXX started to advise me on how best to open my mail, I ended the call.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.

Complaint:
I have a debt on my credit for {$1400.00} which was due to XXXX XXXX but I guess they sent it to XXXX XXXX XXXX XXXX credit says it was opened XXXX/XXXX/XXXX. This is not my bill. I have the same company for at least 10 years and never had XXXX. I called XXXX they tried to find account with my name and then then I told them my last 4. Needless to say there was no match. So that means the person used my social security number with fake name. This is on the XXXX and not XXXX ; well at least not yet. I really need this off of my credit. So this XXXX breach has impacted my credit, and I am trying to get a house. Now I have to put it on hold. I am a working class wife and mother of XXXX. Everyone check your credit on a regular.

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 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.

Complaint:
In accordance with the Fair Credit Reporting Act XXXX, the Ultamate rewards/Comenity Bank Account ending in # XXXX Ulta has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
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:
There are many mistakes appear in my report without my understanding.

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