hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Tags: Servicemember

Complaint:
I had a closed account for internet with XXXX. 
I was on a payment plan. 
Due to family illness I missed a payment. 
Without notice they flagged the account for collection. 
When I called I was told it was not in collections. 
I told them my credit took a hit. 
I called several times until I got ahold of someone who agreed to delete it for payment. 
After they took payment they stopped taking my calls. Threatened me. 
discriminated against me on the phone telling me they would never help me and I was a XXXX who should have paid it. 

They were sued earlier this year for FRCA violations and negligence in XXXX XXXX XXXX for exactly the same behavior. 

I need the account removed from my credit because in a recorded phone call they promised to delete in exchange for payment. This is a verbal contract and is in fact enforceable by law. They way in which XXXX bullies people and collects debt is criminal and they need to be punished. 


My complaint is against XXXX. XXXX, XXXX and XXXX. All of whom have a judiciary duty to protect the rights of consumers under the FCRA and all of whom have failed to do so for me and many others.

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 2022-04-18
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: Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2020-11-26
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: LA

Complaint:
On XX/XX/2020 I sent a Dispute for those accounts that inaccurate and unknown on my credit report. But over 30 Days no response yet. I was a victim of the XXXX  Data breach. Delete ASAP those accounts or I will file litigation.

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 2023-09-08
Product: Credit reporting 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: LA

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 is not relating to any transaction by the consumer. 

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 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 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 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 explanation
Consumer complaint received 2015-10-19
Product: Debt collection 
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls
Company: CASHCALL, INC.
State: OH

Complaint:
Cashcall continues to call us on a debt that 's been paid. We have paid the principle and in addition to the interest in total amount exceeding XXXX dollars. We filed a complaint with the Ohio XXXX Office on XXXX/XXXX/2015 stating that Cashcall was harassing us for a debt that was paid in full in accordance to the state laws of Ohio. The XXXX representative stated that Cashcall and any associated entity was not licensed in Ohio therefore illegal. After further investigation we XXXX that Ohio was added to the current lawsuit submit by CFPB. Also the following surrounding states have filed lawsuits against Cashcall Indiana, West Virginia and Michigan for the same illegal tact 's. Each state mention in the prior statement won their legal cases against Cashcall. Simply put we 're tired of the harassment from this illegal loan company. We received several calls from them again on XXXX/XXXX/14 starting @ XXXX XXXX. 

Original Lender : XXXX XXXX XXXX, XXXXurrent website : XXXX : XXXX? XXXX : Ohio is n't listed as a State that can borrow money. 

Please note the following law code from the state of Ohio. 

Ohio, which voids loans of {$5000.00} or less that are made without a license, and the lender has no right to collect, receive, or retain any principal, interest, or charges on such loans, Ohio XXXX 
XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint:
On or about XX/XX/2019 I requested a credit freeze while investigation was made over some transactions that appeared on my credit but were not mine. I received the paperwork and everything was going fine until XX/XX/2019. I filed a request to please have my credit freeze temporally lifted from Equifax, XXXX and XXXX. I needed to move from house and my credit needed to be ran. I had no issues with XXXX, they immediately lifted the credit freeze. On XX/XX/2019 I received a notice from Equifax in which it stated that my credit would be temporarily lifted from XX/XX/2019 till XX/XX/2019. However, I have been checking the status everyday since receiving this notice and my credit is was still frozen. XXXX and other creditors have run my credit since, and it still shows as frozen. On XX/XX/2019, I requested or my credit freeze to be removed permanently due to the whole situation. On XX/XX/2019 I received a notice from Equifax stating once again my request was granted. However, till this day anywhere my credit is ran Equifax and XXXX has no credit or score. I have tried numerous times to contact them on the phone and by mail but have not received any response, the customer service has had no resolution for me and hang up when a hey don't have an answer for me. I don't understand why this is happening. 
I need to move from home and I need my credit to be available as soon as possible, thank you. 

P.S all documents requested by Equifax have been submitted, this includes CA drivers license, SSN, W-2 forms, Utility Bills, ETC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Product: Checking or savings account 
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY
Tags: Older American

Complaint:
in XX/XX/XXXX I noticed the checking account was hacked. This was an account that was just collecting interest for years. I did not start monitoring the account until mom brought this to my attention. I closed the account in XXXX XXXX the account was hacked from XX/XX/XXXX to XX/XX/XXXX. Chase went all the way back to XXXX XXXX they haver a disclaimer stating that they only covered the first 60 days.my problem is the fact that the bulk of the money hacked was between XXXX and XXXX XXXXthe amount in question is over XXXX the account was hacked through XXXX XXXX In XXXX of XXXX XXXX XXXX sent me a letter stating they would return the money taken in XXXX but Chase would have to agree and. they did not. i enclosed paperwork that substantiates my claim. I hope you can assist because this was a joint account with my mom who passed away XX/XX/XXXX. Any assistance will be greatly appreciated. thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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: IL

Complaint:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly XXXX  upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Product: Debt collection 
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: Commercial Acceptance Company
State: DE

Complaint:
Earlier this month, on XX/XX/XXXX, I pulled my consumer credit reports from the XXXX XXXX XXXX website, and the credit bureaus themselves. I found an account that I did not apply for, and did not recognize, so I went online, found a dispute letter, and mailed it to Commercial Acceptance Company. I sent that letter to the address that was reported on my XXXX report, however I did notice it was a different from the address reported to XXXX. Neither of those addresses match their website, which I found out after the letter I mailed to them was returned. This is both an FCRA violation and an FDCPA violation. They have reported incorrect and or false information to the credit bureaus in reference to my account. this account is incorrect and unverifiable. THEY ARE REQUIRED TO REPORT 100 % FACTUAL INFORMATION TO THE CREDIT BUREAUS AND HAVE FAILED MISERABLY. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint:
On XX/XX/2021 I sent a letter to capital one request copies of all records relating to the accounts. I also sent an identity theft affidavit and a copy of my FTC Report. I sent this letter out certified for {$4.00}. With copies of my ID and social security number as well. Capital One responded with a letter stating I didnt send in enough information and they werent taking any action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03
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: CA

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX/XXXX/XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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: Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: Chime Financial Inc
State: SC
Tags: Older American

Complaint:
I had several emails asking for proof of deposits from another bank and verify my identity from chime XXXX. When I called customer service they said do not answer that it is a scam we do not have anything called XXXX. This was not true it was XXXX wanting information and to verify my account. I do not know what suspicious activity they have Frozen my account because of I can not talk to anyone that has anything to do with this only customer service it says you'll have to wait we don't know anything and there's nobody you can talk to they only email. I am now Frozen out of a bank account with {$370.00} in it and a savings account with {$3800.00} in it it has been 3 weeks no one can tell me anything they just keep sending asking for more information or the same information to be sent over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
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: Experian Information Solutions Inc.
State: GA

Complaint:
XXXX XXXX is reporting a debt on my credit file that is erroneous. This debt has been paid, and they continue to report this debt and ding my credit. It is absolutely absurd that they continue to hurt my credit, even when it has been paid. I am requesting that they they fix this issue as I no longer owe this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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: Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint:
The unverified items 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 on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-08-22
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: Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint:
i have never been late on any accounts. i have set up auto pay since the beginning of the lease. XXXX XXXX was completely not reporting the month of XX/XX/XXXX, marked XX/XX/XXXX, XX/XX/XXXX, as late payments. in the month of XX/XX/XXXX, they updated there report showing XX/XX/XXXX as completely not reporting. and they changed the months late to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as late. this doesn't make sense. i have bank statement showing they pull and always have on the XX/XX/XXXX of every month. i want this account to show paid as agreed on all the months or completely removed from my credit file. the erroneous reporting of inaccurate information has impacting my loan abilities, my mortgage and car insurance.

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 2022-12-22
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: Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-10-05
Product: Checking or savings account 
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account
Company: Bread Financial Holdings, Inc.
State: CA
Tags: Older American

Complaint:
The bank has denied me an account. I meet their published eligibility requirements -- I am over 18, I am a U.S. citizen living in the U.S., I have a social security number, and I have a physical U.S. address. In addition, the bank from which I intend to transfer funds into my Bread Financial  account is a major banking institution ( XXXX XXXX ), and has verified that they have shared my account information with Bread. I have spoken with employees of Bread at least seven times to resolve this, and have been told there are hidden eligibility requirements not reflected on Bread 's website, and that I must not have qualified in every way, otherwise the account would have been opened and my funds transferred in. They have further told me that I will never be told the reason. I have never been denied the opening of a bank account in my life. I must deduce that this is either due to a computerized glitch, or that I am being discriminated against in an unethical illegal manner. I demand to know the reason that Bread Financial has denied me an account. I have complained, and escalated the complaint, and have received no communication of any kind from Bread Financial to resolve this.

Company response to consumer: Closed with explanation