hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-01-31
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: SYNCHRONY FINANCIAL

Complaint:
On XX/XX/XXXX I made an online purchase a generator on " XXXX  '' for {$110.00}. Since I did not receive any email correspondence as to proof my purchase over XXXX hour my purchase and the fact that I saw full charge has gone through my payment account, I checked back with the aforementioned website only to find out it had gone dark. In fact it never re-surfaced anymore. As of today, XXXX XX/XX/XXXX I have not received any mail, email and or other type correspondence for purchase confirmation, order or shipping status. Several attempts to find the vendor online came back empty. I reported the irregular activity to the PayPal a few days following my order. I disputed this purchase on the grounds that I NEVER receiving my purchase. They initially reverse the charge pending investigation and by the end of XXXX they place the charge back without and explanation. So I refiled my dispute on XX/XX/XXXX. On XX/XX/XXXX, I received a response from PayPal Credit Dispute Department, with a USPS XXXX information allegedly proving shipment of my order. Clearly as I had never received any shipment I contacted our town 's XXXX post office. Upon my investigation at XXXX XXXX XXXX XXXX XXXX, it was determined the tracking information points to totally wrong address. ALSO USPS assured me the item mailed has been a flat ( letter, post card, small envelope ) of only XXXX. This is when the item I purchased is the size of a small ice cooler and weighs about XXXX. Please see attached USPS produced shipping transcript corresponding to that tracking number and manufacturer 's spec sheet. 
On XX/XX/XXXX, in the advice of one PayPal Credit Dispute Department supervisor I mailed all supporting documents that proved my case. Since that date I have spoken twice ( XX/XX/XXXX and XX/XX/XXXX ) to the PayPal Dispute Department and and every time it was elevated to the highest supervisor level, and both times they were able to pull up the documents I sent, and assured my that my documents are complete and sufficient to kick the case out and resolve it in my favor, however I am still being force to pay the charge and am being charge 23.99 % interest on the remaining balance. 
They know full well this was a bogus online site and they charge my account without ever planning to send me any such item. My research online showed the address from which the item allegedly was shipped has several similar complains. This is clearly their modus operandi because they've realized PayPal will not go after them.

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 monetary relief
Consumer complaint received 2020-12-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
PORTFOLIO RECOVERY ASSOCIATES Account Name XXXX Account Number Debt Buyer Account Type .On XX/XX/2020 this debt was removed from my XX/XX/XXXX report due to not having sufficient verification of debt. I disputed the debt with XXXX and XXXX  in XX/XX/2020 and asked for verification and validation of debt. I havent received anything from the credit bureau or creditor. On XX/XX/XXXX I wrote the creditor and credit bureau requesting proof be sent to me validation and verification nothing was received but the creditor and credit bureau updated this debt on my report with no proof. The date the dispute was submitted was XX/XX/XXXX, dispute updated XX/XX/XXXX and disputed results ready XX/XX/XXXX. It was not processed correctly and they did not require any proof be submitted only went on the creditor words. According to the FCRA that is illegal. Im asking this to be removed from all accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.

Complaint:
The following companies did not have permission to request my credit report from XXXX, XXXX, and Equifax XXXX XXXX  - Miscellaneous Finance, Date : XX/XX/XXXX XXXXXXXX XXXX  - XXXX XXXX Date : XX/XX/XXXX XXXX OF XXXX - Bank Credit Cards XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Credit Bureaus/Mortgage Processing XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX - Credit Bureaus/Mortgage Processing XXXX XXXX XXXX XX/XX/XXXX XXXX DATA - Mortgage Companies - XXXX XXXX, Date : XX/XX/XXXX XXXXXXXX XXXX  - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXX XXXX - Mortgage Companies - Finance, Date : XX/XX/XXXX XXXX XXXX  - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXX XXXX XXXX - Mortgage Companies - XXXX XXXX Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$2500.00} XXXX XXXX XXXX : {$2500.00}

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 2018-06-25
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: U.S. BANCORP

Complaint:
I began disputing these items on my credit report with the credit bureaus and the creditors beginning in XX/XX/XXXX and continued you to dispute them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not believe the items reported by US Bank, XXXX   XXXX and XXXX XXXX are reporting these items to my credit report in compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

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 2022-08-18
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:
As of today report showing accurately total revolving credit utilization of XXXX out of a total of XXXX in credit limits. 
However, it is falsely reporting this 46 % utilization ratio as 100 %, resulting in reporting of credit score over XXXX pts lower than it actually is. 

Separately, XXXX XXXX  is being falsely reported as late when creditor has confirmed it as current as of XX/XX/22 XXXX, XXXX XXXX is being falsely reported as late when creditor has confirmed it is current as of XX/XX/22 The total effect of these false items is a reporting of credit score over XXXX pts lower than it actually is

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 2022-07-06
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, XXXX XXXX, Also known as XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

To whom it may concern : I request more explanation on said reported account. I have not received proof of ownership of this debt including signed agreements ect. I am proceeding under the Fair Credit Reporting Act law. I have the right to challenge I am not sure is accurate. Reporting things on my credit file I did not agree to have reported or have not heard of.

Under 15 U.S.C Sec. 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; 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 whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
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:
Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ).

XXXX and Equifax has failed to validate debts ... the accounts were indeed settled with original creditors ...

XXXX Accounts XXXX XXXX XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX XXXX  Credit Protection Opened XX/XX/XXXX {$250.00} Original creditor : XXXX XXXX XXXX Equifax   Accounts Credit Protection Opened XX/XX/XXXX{$250.00} Original creditor : XXXX XXXX XXXX XXXX  OpenedXX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
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:
I pull up my credit files on XX/XX/2020 to go over them before I apply for a home loan. As I looked over my files there is an account that does not belong to me and should not be on my credit files.The company that is appearing on file files is under the name of XXXX XXXX with account # XXXX. I have reached out to the company in reference to this account and they are not trying to help me. I spoke to a young lady in customer service and she told me to file a complaint with the credit bureaus. I did what she told me to do and the account is still showing on my credit file. I have asked the credit bureaus XXXX, Experian and XXXX  to provide me with a copy of the contract for this account nd they have not provided it to me and they are still reporting this negative information on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I downloaded XXXX XXXX XXXX and paid for the services and found four accounts that have been opened in my name that wasnt opened by me. My identity has been stolen and Im not sure what to about it. I know the person thats responsible for three of the accounts so what do I do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
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:
Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU 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 2023-03-28
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: OneMain Finance Corporation

Complaint:
Information showing on my credit report I did not authorize. I am requesting that company provide verification that I in fact applied. I would like item removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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: Monarch Recovery Holdings, Inc.

Complaint:
I am writing to formally dispute the validity of a debt that your agency has been attempting to collect from me. I recently received correspondence from your agency regarding an alleged debt in the amount of {$1300.00} owed to XXXX XXXX XXXX. However, I would like to bring to your attention that this debt is not mine and I believe it has been erroneously assigned to me. 

Upon careful examination of the United States Code, specifically the Fair Debt Collection Practices Act ( FDCPA ), I have identified several sections that empower me to dispute this debt and seek its verification : Section 809 ( b ) of the FDCPA states that, within five days of initial contact, the debt collector must provide written validation of the debt, including the amount owed and the name of the original creditor. I have not received any such validation from your agency, and I request that you provide me with the necessary documentation to prove the existence and accuracy of this debt. 
Section 809 ( a ) ( 4 ) of the FDCPA mandates that, upon the consumer 's written request, the debt collector must provide the consumer with the name and address of the original creditor. Therefore, I kindly request that you disclose the complete contact information of the original creditor associated with this debt. 
Section 809 ( b ) ( 5 ) of the FDCPA requires the debt collector to cease collection activities until it has provided the consumer with the requested verification of the debt. Therefore, I demand that you immediately cease all collection efforts regarding this disputed debt until you have satisfactorily provided the necessary validation and supporting documentation. 

I would like to emphasize that I have been diligent in maintaining my financial records, and I have no knowledge or recollection of any outstanding debt owed to XXXX XXXX XXXX. It is crucial that you investigate the matter thoroughly and correct this mistake promptly. 

Failure to comply with the FDCPA 's provisions outlined above may result in legal action, including a formal complaint lodged with the Federal Trade Commission and a civil lawsuit seeking damages for violations of the FDCPA. I trust that your agency will handle this matter with the utmost professionalism and adhere to the legal requirements governing debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: M&T BANK CORPORATION

Complaint:
I recieved a promotional " preapproved '' credit card notice on XX/XX/XXXX. Was declined on XX/XX/XXXX from M & T bank. The language in the application process when I entered in the promo code and supporting information stated that due to the preapproved status it would not be a hit on my credit report if I was declined. I asked the representative on XX/XX/XXXX at around XXXX XXXX after being declined if my credit would be hit she said basically it would but could not say if it would be a soft or hard inquiry. I went to look back at the language of the actual application stating my credit would not be impacted was locked out of the application since it was, completed and given the phone number I just called. I could not see if the terms and conditions were different from the advertising. I think someone should investigate the whole " preapproved '' credit card for existing customers process at M & T to see if they are giving misleading information or maybe blurring the lines to go under the radar of the FCRA. They may be ok here with their terms and conditions but I couldnt review them again due to being locked out of my application to doublecheck and the reps confusion to my request. Thats why I think its worth looking at their whole process to see if they are advertising their offer per the guidelines of the FCRA. Thank you for your time and attention.

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