hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2022-05-04
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: IN

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXXXXXX  Account # XXXX, Acoount # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts 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 non-monetary relief
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
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: NJ

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2016-07-14
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options
Company: Nelnet, Inc.
State: TX

Complaint:
Greetings, I am writing to complain about my student loans. I understand that the plan is to allow students to go to school to further their education, but the interest rates are extremely high. I will never be able to get out of debt and being that I went to college and was n't informed of the 5 years of deferment that has sky rocketed my loans. I feel that this has caused not only me, but others like me, to be in debt. I had to do a deferment for 3 months and based on the loan amount, 3 months add an additional almost XXXX to my loan. I do n't even make 2000 a month after taxes and there is no way that I will ever be able to pay this. I was not able to finish college because my mother had a XXXX during my college term and I was not able to finish because I had to drop out to help her. I am not making excuses but we are getting charged for stuff that we can not afford. We go to college with guarantees in our mental states that we will get a job, but rather then get a job we are getting high student loan rates. How is that if we have XXXX in the bank, we do not receive higher interest rates then 1-2 %, but if we owe student loan rates, they are tripling the debt? I am forced to live in a undersized apartment with my wife because we are both overwhelmed in student loan debt. We will never be able to afford a house or anything because the interest rate alone on the student loans has guaranteed us a life of poverty. I have even tried the student loan forgiveness plans and still I have come out on the bottom. My last check was {$850.00}. My part of my car note was {$310.00}, I filled up my truck for {$35.00}, I paid my {$100.00} towards my car insurance, and paid {$160.00} to cover my cell phone bill and I have less then {$200.00} left for groceries, gas, and products for my home for a two week period. I am asking for anyone that can to understand and to help with any type of assistance or forgiveness. We are out here trying to live right and to do whatever it takes to be great people to our society and we are loosing the fight against our country.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC.
State: FL
Tags: Servicemember

Complaint:
OnXX/XX/XXXX, I opened a Money Market account at SunTrust Bank - Tradition office for the express purpose of receiving my life savings to the account. The account was created just for this purpose as directed by XXXX XXXX, the Branch Manager. OnXX/XX/XXXX, I had my life savings of {$270000.00} wired to my SunTrust Money Market Account. On XX/XX/XXXX, SunTrust put a hold on the domestic wire and then closed all my accounts onXX/XX/XXXXwithout explanation. Closing Checks were printed for my accounts with the exception of the {$270000.00} which SunTrust has kept from me. I have tried contacting SunTrust on seven different occasions and get different stories. Today, XX/XX/XXXX I was told that my funds are being held and no further information is available for release to myself. My funds have been stolen by SunTrust - and I want my money returned to me by XXXX this Friday, XX/XX/XXXX ; before I go to the media live at XXXX to tell my story and warn others away from SunTrust. SunTrust does not return calls/communications, not even XXXX XXXX herself. I just want my life savings that have been unjustly and illegally stolen by SunTrust! The domestic wire was from the law firm handling my needs and taxes have already been paid on it all as the funds were accrued over the years of owning 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 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: NC

Complaint:
I was recently in an accident with possibly totaled Car on XX/XX/XXXX. 
I called XXXX to report the claim but they told me that I didnt have collision insurance. 

XXXX states letters were sent out 3 months after the purchase of my vehicle to me for consent to rate, which I never received. And that in XX/XX/XXXX they reported to Ally I no longer had full coverage on the Vehicle. 

It is required to have full coverage on the vehicle in order for me keep the loan and continue making payments. 

Ally should have either notified me of my lack of coverage as it is a breach of contract- and asked me to correct or force place coverage on me. 

They admit to having received notification of the lack of coverage in XXXX, but continued to let me make payments. 

We are at the point now where I have a near totaled vehicle that is potentially not covered.

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 2019-10-18
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: CA

Complaint:
In 2018 I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX XXXX and now that account is in collections with " XXXX XXXX XXXX ''. There are several fraudulent credit inquiries posted to my XXXX credit file that I did not authorize.

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 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint:
I sent a letter on XX/XX/2022 to remove these accounts, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # 's 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 2023-09-09
Product: Credit card 
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect
Company: Resurgent Capital Services L.P.
State: MD

Complaint:
ON XXXX THE XX/XX/XXXX I CONTACTED XXXX IN REFERENCE TO INCORRECT INFORMATION THAT APPEARED ON MY CREDIT REPORT. THEY WOULD NOT HELP ME DURING THE CALL BUT REFERRED ME TO A REPRESENTATIVE THAT CALL ME BACK XXXX XXXX  ( XX/XX/XXXX ). WHEN I ASKED THE REP TO HELP ME IN CHANGING THE INFORMATION SHE REFUSED CLAIMING ALL INFORMATION HAD BEEN VALIDATED BECAUSE YOUR INFORMATION IS PART OF OUR LEGAL DEPARTMENT AND WE ARE NOT CHANGING ANYTHING. THIS IS A CLEAR VIOLATION OF MY FCRA RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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: FL

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-31
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:
I am a victim of Identity theft. I have enclosed my ID and Identity theft report proving it is in fact me that submitted this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Tags: Servicemember

Complaint:
Capital One Auto FInance has inquired on my credit report several times and was asked to remove the several inquiries and to this date XX/XX/XXXX have not removed the inquries this has caused me several problems with obtaining credit as well as bringing my score down to a very loanscorer. These are the dates of the inquiries XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX had no permisson to inquire on my credit XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I also Contacted all of credit bureau to attempt to remove the debt and have not received results as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Product: Debt collection 
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying
Company: AFNI INC.
State: CA

Complaint:
This company started to call me yesterday from this number XXXX. 
They wanted to know up front my social security number, I denied to provide them such information, They said are AFNI a debt collector. I asked them what is about these phone calls, in order to give me the information they said I need to provide them my social security number for verification I denied to give it to them I asked them to stop any phone calls and if they want to address any concerns to make it in writing. 
At this time I'm not submitting any documentation because this debt collector has not sent me any. If they do I will refer this complaint properly attach it with a proper response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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: EQUIFAX, INC.
State: LA

Complaint:
Equifax/Equifax credit bureau did not notify my in time of the status of the reinvestigation that was received XX/XX/2022. Instead Equifax/Equifax credit bureau replied to my CFPB complaint XXXX with the status, XX/XX/2022, after 30 days. Equifax/Equifax credit bureau had ample amount of time to do the re-investigation and notify me of the status but instead they failed to notify me of the status. They are in violation of 15 usc 1681i because Equifax/Equifax did not provide me with the status of the reinvestigation. Therefore Equifax are to delete/remove the remaining accounts I wrote in about listed before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
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: FL

Complaint:
The accounts listed above do not reflect any correct transactions done by me. 




My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States XXXX that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which XXXX have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
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: Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint:
I have received a response from Equifax reporting agency stating that unverified information is accurate and will continue to report information after it was updated. According to the FAIR CREDIT REPORTING ACT 15 USC 1681-1681 which is a federal law, all unverified information must be deleted. All third party debt collectors has to show proof that the debt was actually agreed upon, basically having to show an legal agreement and not a copy of an agreement that was with the actual creditor. If unverified information remains on my report without legal proof of agreement from the third party can result to legal action against Equifax for reporting illegal information on my report under federal law. This demand also goes for XXXX and XXXX as well. 
I demand a reinvestigation of unverified accounts under federal law. 
XXXX 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 explanation
Consumer complaint received 2022-07-12
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: PA

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
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: PA

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
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: Experian Information Solutions Inc.
State: LA

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on 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 explanation
Consumer complaint received 2019-08-30
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: CA

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief