hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2021-03-27
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: American Profit Recovery, Inc., Marlborough, MA Branch
State: MA

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize this information US BKPT CT TX XXXX. I contacted that court and they sent me a letter that they do not send anything to the credit bureaus or have any file that matches my personal information. I then contacted XXXX, they show no record of the bankruptcy or a file under my name. I have attached a copy of the letter from XXXX. I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Product: Debt collection 
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint:
Midland Credit Management filed lawsuit against me. I have never been in contact with this company nor do I have any contracts or debt with them. I was never notified of debt toward them or given the opportunity to dispute or deny this alleged debt. I now have to go to court to defend myself. I ran my credit and found midland credit management submitted unpaid collections against me in late 2021. There is no additional information regarding what this collection is concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
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: MI

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MD

Complaint:
XXXX XXXX, XXXX XXXX, am writing this complaint without any assistance from any third parties. I am requesting the following documents in response to FEDLOAN response to the previous complaint : Please provide an authenticated record that verifies that I gave FEDLOAN consent to share my nonpublic personal information to the consumer reporting agencies. Please also provide an authenticated record that verifies that I gave consent for FEDLOAN to share my nonpublic personal information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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: TX

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-06-22
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: PA

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-09-28
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: FL

Complaint:
an individual with my same name, social security number different by one digit and a year of birth way off than mine ( which I've also tried to dispute & nothing had happened ) This person has opened accounts at XXXX XXXX with an unpaid balance of {$12.00} opened XX/XX/XXXX that has been charged off, I called XXXX XXXX on XX/XX/XXXX but no one to help me, i then filed a dispute with the credit bureaus, one said the account is accurate and the other 2 bureaus dispute are still pending. Please I need your help I am trying  to re-finance my current mortgage loan and this is affecting me from getting a much lower interest rate than what I currently have, Please help me, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
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: CA

Complaint:
three accounts as student loans are reporting under my name on equifax credit reporting agency only. they are giving me a very hard time removing these inaccuracies, these account / loans i had never had, and never inquired, never went to school here. please help me with this i have been disputing these inaccuracies with equifax for more than a year, and no one has tried to help me at equifax. you are my last hope. 
please have these inaccurate accounts removed from my credit file thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint:
I was a victim of identity theft and I request to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent 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

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 2022-04-04
Product: Debt collection 
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: IL

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it reflect in my credit report that can harm my credit credentials. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX/ {$930.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX / {$610.00} / XX/XX/XXXX XXXX XXXX XXXX {$760.00} / XX/XX/XXXX XXXX XXXX XXXX/ {$1200.00} / XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
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: Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint:
On XX/XX/2019 a fraudulent inquiry for credit with XXXX XXXX XXXX XXXX was made on my Experian credit file. I've tried to resolve this issue 3 times with the credit bureau but have not been successful.

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 2021-08-17
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: AFNI INC.
State: NC
Tags: Servicemember

Complaint:
Early XX/XX/XXXX - I received a letter from a Collection Agency, XXXX claiming that I owed XXXX XXXX {$4500.00}. 

XX/XX/XXXX - I sent a certified letter to XXXX disputing the debt. I asked to see a signed contract and proof that the debt belonged to me. 
XX/XX/XXXX - My certified letter was received by XXXX. 

As of this complaint, I never received verification of the debt from XXXX or XXXX XXXX. 

XX/XX/XXXX - The debt was reported to all three credit bureaus as a collection. 

XX/XX/XXXX - I received a letter from XXXX XXXX XXXX XXXX XXXX Collection Agency. I disputed the debt with them and asked that they provide me with proof of debt. The XXXX stated that I needed to collect that from XXXX directly and they did not place the information on my reports. 

XX/XX/XXXX - I contacted XXXX XXXX to dispute the debt. The agent could not/would not provide me with a copy of the contract or any documentation to verify that the debt belongs to me. Instead, he directed me to contact the store where the transaction took place and wanted me to ask for security footage of who opened the account. 

XX/XX/XXXX - I contacted the XXXX store and asked the Representative to forward me a copy of the security camera footage to verify that it was not me. 
As of this complaint, I have never received any proof that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Product: Debt collection 
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint:
Back in 2017, I was the victim of an auto theft in which my wallet was taken. I filed a police report about the matter and continued on with my life after walking away from the incident safe. Early this year I started noticing random accounts appear on my credit that I did not authorize nor did I apply for these fraudulent accounts. Some of my very important personal information was inside of the wallet and I have reason to believe that my social security number may have been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
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: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL

Complaint:
Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. PORTFOLIO RECOVERY ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Product: Checking or savings account 
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint:
I am a victim of identity theft. This dispute is about a checking and savings account at Chase. I have two previous complaints against JPMorgan Chase bank. These complaints were in reference to a credit card opened as a result of fraud. XXXX from the Chase executive office reached out to me and told me that Chase was holding me liable for the credit card because I had been inside of a branch of showed ID. Upon disputing that with XXXX I asked him to get me the location of the branch and the name of the branch manager so that I may visit that branch and show ID and prove that it was not me that went inside this branch. XXXX called me back and told me that upon doing further research Chase found that I had not been inside of a branch after all and they they were opening up the investigation again. XXXX told me that Chase opened a checking and savings account in my name and that I needed to dispute the checking and savings account before the credit card account could be removed. I submitted the documents Chase asked for. Please note that I have attached the police report number but I was not given a copy of the report so I am attaching what I was given. In addition to the affidavit from Chase I am attaching a copy of the FTC affidavit of identity theft, a copy of my photo ID and a copy of the lease from the apartment I was living in during the entire life cycle of this account which is not the address Chase sent credit/debit cards and or checks to. XXXX told me on the phone that he asked the credit bureau department at Chase to update my credit report to temporarily remove the negative reporting while the investigation was completed, however as of XXXX that has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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: GA

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my 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*BalanceOwed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$300.00} XXXX XXXX XXXX XXXXBalance Owed : {$49000.00} ; XXXX XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/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

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 2021-05-07
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem
Company: SYNCHRONY FINANCIAL
State: NV

Complaint:
I have had a gas card with chevron through Synchrony bank for 3 years, then two weeks ago they ran a hard inquiry on my credit without asking me and closed my account. They sent me a letter telling me they ran my credit without my permission and decided to close it. I have never been late on payment and always paid off my balance.. they made my credit score lower 22 points because of this hard inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Product: Debt collection 
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt
Company: Aargon Agency, Inc.
State: FL

Complaint:
An agency Aargon Agency is collecting on a debt on my XXXX and XXXX report stating I owe a debt for a medical bill. I have asked on several occasions for validation of the debt that is showing my signature of a release of my medical records which is a HIPAA violations to have my medical records shared without my consent. I have called the agency and also send over certified letters, and they only have put disputed on XXXX and XXXX report. I also reached out to both credit bureaus, and they only said the debt was valid, and I sent a letter stating that this company was in violation of HIPAA laws, but they have not corrected the issues. I am looking for you help to see if I can get this debt cleared from XXXX and XXXX. I have also sent over a certified letter to original creditor and it was sent back to me as undeliverable address, and I sent this to both credit bureaus.

Company response to consumer: Closed
Consumer complaint received 2021-06-08
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: FL

Complaint:
Im beyond frustrated with the customer service team in XXXX XXXX. I called because of a complaint I made against XXXX agency back in XX/XX/XXXX online for the account with XXXX XXXX XXXX someone on XX/XX/XXXX lied and stated I challenged the payment history for XXXX thats a LIE. He even confirmed the payment history dispute bill as for another account. Due to Experians negligence they extended the timeframe so when the account shouldve been removed XX/XX/XXXX it wasnt!!! please reference case # XXXX. When I originally reached out to you guys about the illegal tactic this agency use to continue reporting this account they stated they replied by mail. THATS A FLAT OUT LIE. I DIDNT RECEIVE A LETTER FOR THIS ACCOUNT THE FCRA REQUIRES DELETION OF THIS ACCOUNT. So I spoke to on XX/XX/XXXX XXXX in XXXX XXXX he transfer me to a supervisor who refuse to listen to anything I have to say and hung up on me after a 30 minute hold something needs to be done about there customer service.

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 2015-07-30
Product: Debt collection 
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt
Company: Protas, Spivok & Collins. LLC
State: VA

Complaint:
On XX/XX/XXXX XXXX Apartments ( now represented by Protas, Spivok & Collins filed a Warrant In Debt against me. XXXX This is regarding the same dept. complaint filed XX/XX/XXXX CFPB case number XXXX XXXX XXXX XXXX XXXX I have reached out to attorney XXXX XXXX XXXX of Protas, Spivok & Collins several times requesting documentation to support the balance due. ( The same issue I was having with the previous dept collectors XXXX XXXX XXXX. This balance has yet to be substantiated and the direct communication to the attorney to obtain documentation is being ignored. The original hearing was set for XX/XX/XXXX and it was noticed that there was a billing error as they tried to obtain judgment for {$8400.00} XXXX double the original amount ordered ). Due to this error the case was continued to XX/XX/XXXX. On XX/XX/XXXX the balance although adjusted still was not correct, and the judge ordered a bill of particulars to be mailed to my address within 15 days form XX/XX/XXXX and the case was continued again to XX/XX/XXXX. On XX/XX/XXXX they filed a nonsuit and no new court date has been set. 

As of today I still have no documentation to support the current balance, and no date to anticipate when this matter will be resolved. When I ask the attorney XXXX XXXX for the information she does not respond to my email requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint:
This is my 20th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-17
Product: Debt collection 
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL
Tags: Servicemember

Complaint:
This is a debt the should've been paid by the insurance and the father XXXX XXXX whom is court ordered to carry insurance on the children. It also has been refiled multiple times so the dates change to not fall of at the 7 year mark.

Company response to consumer: Closed with explanation