hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint:
INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. 

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 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint:
All XXXX credit bureaus made a report with out my consent and inaccurate information is also on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint:
XXXX XXXX is reporting a collection account # XXXX in the amount of {$1300.00} due for XXXX XXXX  that is no longer collectible because this account was marked as a chargeoff/write off. When I contacted XXXX XXXX  in 2019, they advised me that this account is no longer due and have been written off. They had no information of this account being transferred to XXXX XXXX. I was unaware I could dispute this account until late 2019, also I requested information from XXXX XXXX showing the agreement between XXXX XXXX  transferring this account to their office and the collectible amount if owed. I have yet to receive this information as of today. I '' m requesting CFPB assistance to clear this inaccurate information from all three credit bureaus ( Experian, XXXX, and 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 2017-05-15
Product: Debt collection 
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: FL
Tags: Servicemember

Complaint:
To whom it  may  concern ; I am writing in regard to the referenced accounts and transactions.     This vehicle was repossessed by  NFCU  in the  State of F lorida on or about,   XXXX    , and resold on or about  XX/XX/2014   .   Under the laws of the State of ( State of Repo ) UCC  9.506 and   State  XXXX  and  XXXX  statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.   Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.   If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.   In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available  State and Federal s tatutes and  UCC 9  remedies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Product: Checking or savings account 
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint:
I have been receiving bank statements from the Wells Fargo company and I have never authorized to open an account in my absence. Please delete my personal information with Wells Fargo fraudulent open 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 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint:
In XX/XX/XXXX, I paid off in full an alleged debt. The originating lender was XXXX XXXX. Depending on which credit bureau you look at, XXXX XXXX reported the alleged debt as a charge off in XXXX, XXXX, and XXXX, depending on the bureau. 

XXXX XXXX sold the alleged delinquent debt account to XXXX XXXX XXXX. 

In XX/XX/XXXX, I paid XXXX XXXX XXXX for the full amount that I allegedly owed : {$16000.00}. Both XXXX XXXX and XXXX XXXX XXXX assured me that they would update my credit report with the 3 bureaus to indicate my account was no longer delinquent. 

XXXX XXXX did not update the entry despite my providing written proof of payment and chain of custody. Furthermore, XXXX XXXX XXXX refuses to update XXXX XXXX with this information or forward them the letter proving that I paid off the account in full. 

I hereby demand that the account entry either be deleted from my credit reports entirely, or at a minimum, that you accurately report that the account is no longer listed as currently delinquent. Additionally, I demand an accurate reporting of chain of custody of the account and accurate charge off dates. You cant charge off the same alleged debt 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint:
I have made attempts to resolve this matter with Experian via letter and phone. 

XX/XX/2020, I submitted a dispute letter regarding information that XXXX XXXX XXXX   XXXX XXXX  provided to Experian. In such correspondence, I stated that [ t ] his was a Business Credit Card for which I am not personally responsible. I specifically requested that I be provided with evidence of personal responsibility or remove this from my report. According to the certified mail records, Experian received my letter on XX/XX/2020. I have not received a reply to my dispute. 

I contacted Experian via phone on XX/XX/2020 regarding the dispute, only to learn that they had no begin to work on the dispute. I was advised that my letter may still be in the mail department. I advised Experian that I sent a certified letter on XX/XX/2020 and that they received it on XX/XX/2020. In the telephone conversation I requested that this account be removed from my credit report immediately. The telephone representative advised me that he would initiate a dispute now, and it may take an additional 30 days to resolved. 

I am applying for disaster relief funding ( which is time sensitive ), and would like to have this matter resolved promptly as it negatively impacts my credit score. My original dispute was filed 38 days ago ( on XX/XX/2020 ). Experian has had ample time to resolve to this dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint:
I am a victim of identity theft and identity fraud. After viewing my credit report, I noticed accounts and credit inquiries that I did not apply for or authorize. I immediately contacted the companies in question and notified them of the incorrect reporting and advised them that it is obvious that I have been victimized and that someone has used my personal information to fraudulently open several accounts. Currently those accounts are a XXXX credit card opened XX/XX/XXXX and a XXXX XXXX  credit card opened XX/XX/XXXX. There are also several inquiries on my credit report that I did not authorize. In addition to the ones for the XXXX and XXXX credit cards, there are the following : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX ( Original Creditor : XXXX XXXX  ) XXXX. 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 an 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 item 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 non-monetary relief
Consumer complaint received 2023-01-23
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Paypal Holdings, Inc
State: MD
Tags: Older American, Servicemember

Complaint:
I received a letter in the US Mail on Saturday the XXXX stating I owed {$430.00} to PayPal. The reference number they gave me is XXXX and the account number is XXXX. I check my PayPal account and it show no outstanding balance. I contacted PayPal an confirm this. I believe XXXX XXXX XXXX XXXX is phishing to get me to pay when I dont owe any money. I contacted the collection agency and they said they are going to close this inquiry and sent it back to PayPal fraud department. This whole scenario sound like possible fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NH

Complaint:
Equifax complaint was received by XXXX XXXX from Equifax on XX/XX/XXXX. ( XXXX ) Equifax dated their response to my complaint as XX/XX/XXXX. ( XXXX ) The envelope that I received from them showed that it was mailed on XX/XX/XXXX. ( XXXX ) It appears as if Equifax engaged in mail fraud in order to make sure the negative items were not deleted within 30 days, as is required by the FCRA when there is no response within 30 days. When I originally sent out the complaint, I sent it out at the Post Office on XX/XX/XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Product: Debt collection 
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid
Company: Springer Collections Inc.
State: OR

Complaint:
This debt was paid 15 days after the original date of service, we have disputed with the original dental office and with the collection agency, no 14 months after they reported to my credit bureau as a collection with a " dispute " listed so they knew there was a issue before they even tried to report to credit not only was this paid but it was paid twice and some refunded due to there collection activity The original date of service was XXXX original payment received and cleared from XXXX on XXXX overpayment notice received on XXXX from XXXX XXXX XXXX paid bill a third time Final collection notice from XXXX on XXXX ( after payment received ) spriniger collections letter XXXX and XXXX fax confirmation proofing payment and over payment confirmed by springer collections XXXX springer collections reported to my credit as a disputed collection even thought they have confirmed verbally multiple times payment was received by XXXX and confirmed that they had received the fax proof to them, they gave reassurances that they would take care of the issue with the dentist office and it would not affect credit then went and reported it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint:
This Complaint is intended as means to clarify my contention that the XXXX laptop computer I purchased from XXXX on XX/XX/XXXX is intended as more or less a disposable toy designed to generate as much revenue as possible for XXXX and its myriad partners, largely -- but not entirely ( the system battery is by no means intended to be accessible to users, as I have yet to even locate it ) -- owing to the absence of adequate cooling for the device 's Central Processing Unit. As seen in the attached photo, the customary cooling configuration for laptop computers involves the use of CPU paste ( not visible in the photo, but assumed to be present ) and an exhaust fan which sucks air through its top and blows it out the side air vents of the laptop, while also funneling air to the CPU via a flat copper rod. While the this configuration may well suffice for an XXXX CPU whose maximum speed is 2.4 GHz, it can not adequately cool an XXXX CPU whose nominal speed is 2.4 GHz -- designed to operate at speeds as high as 3.3 GHz -- as is the case with the XXXX XXXX mobile CPU that powers my device. This explains why my device is not reliable for anything more CPU-intensive than email, as the device will invariably crash when used for extensive multi-tasking of any kind or intensive video rendering. 

Moreover, the device is recycled and fraudulently advertised as retail, as XXXX has persistently failed to provide me with an explanation for the six-month discrepancy between when my laptop computer was manufactured on XX/XX/XXXX and when it was allegedly received ( and subsequently registered with the manufacturer, XXXX ) on XX/XX/XXXX by the supposed distributor, XXXX XXXX ( XXXX ), given the precarious and short shelf-life of laptop batteries. As recently as XX/XX/XXXX, I presented Citi with an offer to be forwarded to XXXX that I would reduce the amount of the dispute in question from {$370.00} to {$50.00} if XXXX were willing to demonstrate that the relevant issue at work with the dispute in question is shoddy ( as opposed to fraudulent ) distribution by procuring from XXXX a replacement device that can be verified as having been manufactured within a month of being delivered to me. Thus far, Citi has failed to even acknowledge receipt of my offer, which I resubmitted today via fax.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Product: Vehicle loan or lease 
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Tags: Servicemember

Complaint:
I got divorced in XXXX, my wife then two months before went to the dealership and sign my name to a lease of a XXXX XXXX XXXX. The payment was XXXX XXXXper month. So after we divorced she dropped the lease in my lap. She said she didnt have the money to pay for it. So I took it back to the dealer, and was told I could return it but the payments and the other fees I still have to pay. Sales and finance said that it was my signature on the lease and it was my responsibility. They then told me that since I had to still pay for lease, they can put me in a lease for with the same as the truck to replace it payment wise. I agreed thinking I was just paying for the new lease in place of the old lease. After about 5months I get two bills from TFS saying I still owe on the truck and the car lease. They added the reminder of lease of the truck to my car lease. I struggled to pay the {$790.00} as I retired from the Military the same month XX/XX/XXXX. I attempted to get payment lowered, TFS told me no because of my now credit score after the divorce. I was always a two payments behind because of due date they wouldnt change. I get threatened with repossession of the car every month. Its about 8months and the day I had to had the last current month payment in, I had to send it by XXXX XXXX. That night they repossessed my car. After the fact that I brought it current. I tried getting my car back, and was denied. Two weeks later they sold it at a auction. The amount that it was sold for wasnt and still hasnt been disclosed to me, and TFS reported to credit unions that I still owe them $ XXXX. I also asked them about the Solider and Sailor Act, and was shut down. Im a retiree on a fix pension after divorce, and on the hook for a payment on a prior lease that was add to a newer lease I didnt sign for. Now my ex-wife credit score is  800+ do to her paid debts off. So if thats the case her credit was attached to mine, but my credit file never changed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint:
Good evening, Wells Fargo keeps denying my rights to arbitration under section 6 of my credit card agreement. I have requested arbitration to contest the results of two disputes : # XXXX & # XXXX many times but keep getting told I can not do so, despite it being in my credit Card agreement. I even have audio recordings of phone calls to Wells Fargo customer service, which show them denying my request ( attached ). 

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 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Product: Debt collection 
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt
Company: Lustig, Glaser & Wilson, P.C.
State: MA

Complaint:
I receive d a Summons letter earlier this month from office of Lustig & Glazier sta ted that I failed to appear in court   XX/XX/XXXX  a nd a judgment was made against me in  XXXX  in regards to a  XXXX  credit card from maybe  XXXX . I emailed their offices questioning what the documents was about because I was never notified on the actual hearing date! Even worse it 's  10 year old an d they are chasing me for this! I probably had this type of card but thought the account was charged off or something? Sorry not sure what came of this card, I will own that I could have had a balance but NOT {$3000.00}. This office stated that the amount before this " judgement " against me, {$1800.00} was being basically taxed every month since  XXXX !? Which explains why it sits at {$3000.00}? Anyway I called this office today  XXXX  # and requested a payment plan because I ca n't afford to take time off and or extra court costs. I need to know if this is legitimate? This whole thing has thrown me for a loop because it 's been 10 years and the lustig office wo n't give me anything other than the summons letter to explain why after this long I 'm being charged to pay this drastic amount. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation