hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2021-12-01
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: FL

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

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 2022-11-29
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: Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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: Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint:
There are accounts under my name that are reporting INACCURATE and UNAUTHORIZED inquiries that are violating my FCRA rights. I already files a proper documentation regarding these accounts and I have attach documents for these accounts I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: Quality Asset Recovery LLC
State: PA

Complaint:
Quality Assets is trying to recover co-pay from a doctor visits. The doctors office will not render service on day of appointment unless co-pay is paid at time of service. My credit is being effected by these derogatory claims and my credit standing is very good. 

I would like Quality Assets to provide consent of dialing mobile phone number.

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 2019-03-14
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: NC

Complaint:
I am sending this complaint forward as I have attempted to dispute fraudulent accounts and information on my credit reports, yet to no avail. I need to have these accounts reviewed along with the Identity Theft validating documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02
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: EQUIFAX, INC.
State: CO
Tags: Older American, Servicemember

Complaint:
My credit report has an incorrect address. The address on the report is   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX  , NV. Other than when I was in the  XXXX , I have lived in Colorado my entire life. Associated with this   XXXX  . address are bills from   XXXX   XXXX   and   XXXX   XXXX   XXXX   XXXX   XXXX  . Both amounts are less than {$100.00}. Every time I dispute these bills and ask for source documents to prove I owe, the bills are sold to collection agencies. When these receivables are sold as a package, the collection agencies reopen the outstanding debt, and it reappears on my report. I have a substantial credit history with mortgage, car loans and credit cards. I have NEVER been late on ANY amount I owe. There should be some protection against collection companies windmilling these bogus receivables. Thank you for all you do.    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Product: Debt collection 
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: Paypal Holdings, Inc
State: WA

Complaint:
I attempted to make a purchase of {$87.00} using pay pal credit. The Purchase was denied. The vendor accessed the PayPal system and attempted to make the withdrawal directly from my bank account when the PayPal credit Icon was selected. purchase. The Bank XXXX XXXX XXXX ) denied the transaction because the vendor did not have any authorization or proof of a purchase on a XXXX XXXX account.. 

After the failed identity theft attempt, Pay Pal, Rather than place the purchase of the vendor 's item on the original purchase platform offered by PayPal credit and accepted by me and allow 6 months for payment, PayPal took over the purchase and sought immediate payment prior to the 6 month contract that was agreed to prior to purchasing the vender 's service. 

PayPal has initiated collections activity prior to the 6 months that the PayPal credit agreement terms which I agreed to prior to the purchase. 

PayPal refuses to add the {$87.00} purchase on the PayPal credit account and wait for the payment. This is false advertising and identity theft by the vendor to access the bank account and trigger the shift the purchase from PayPal credit to PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27
Product: Checking or savings account 
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IL

Complaint:
On XX/XX/2023, I opened a savings account with U.S. Bank under the impression that I would be getting monthly fees. I never heard of a bank charging monthly fees for a saving account, and certainly not if they're a XXXX. When I called the customer service agent, she had the audacity to tell me that I have to bring my overdrawn balance of - {$10.00} back to {$0.00} in order for her to close my account. Not even her supervisor can override these charges. U.S. Bank is a thief. They've been taking my hard earned money every month since XXXX and I didn't even realize. And they have the nerve to require me to bring my balance back to {$0.00} on top of the {$10.00} fee they keep charging my account every month? Even when my savings account was {$50.00}, they gave me a fee reimbursement that first time on XX/XX/2023. They need to return all the money they stole and close my savings account or I'm filing a lawsuit. I'm reporting this to the FTC and the Financial Regulator in their state.

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 2021-11-19
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: EQUIFAX, INC.
State: NY

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Please " Remove '' the account for it is damaging my report, which would not be happening if Equifax investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the erroneous account reporting on my Credit Report : ( XXXX XXXX )

Company response to consumer: Closed with explanation
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: VA

Complaint:
There was a credit card opened without my knowledge or authorization. The credit card company is XXXX XXXX XXXX XXXX. My account was crossed referenced with someone else for a few years so I was unable to access my report. After finding out the account appeared on my credit I reached out to XXXX XXXX to close the account in XXXX. They then reported the account as 30 days late in XXXX after a credit dispute with Experian also in XXXX, it was updated to closed again in XXXX. I have initiated disputes with Experian, XXXX and XXXX. There is missing data from XXXX that I brought to the attention of the fraud specialist at Experian. They allowed XXXX XXXX to report the account was 30 days late on a closed account then they allowed then to close the account again. When I disputed the account I included a FTC identity theft affidavit also.

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 2022-03-24
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: CITIBANK, N.A.
State: AL

Complaint:
I received an email from Citi Bank on XX/XX/2022 that my account will be closed, after further investigation a customer service representative by the name of XXXX on a recorded line stated that my account is being closed due to being in collections. However she spoke with a colleague and the colleague stated that they did not see a history or current information that my account has ever been in collections and this account has always been in good standing. It has always reflected from the Credit Bureaus as paid on time and there is currently no accounts that I have that are in collections. If this account closes this will affect my credit adversely and lower my credit score and I have never been delinquent. I just spoke to another representative XXXX on today and she asked for the expiration on my card and that they will apply for it to be opened when it expires. However, I am a concerned citizen if I have never missed a payment and I am responsible with my credit on this card why is it being closed like this and will thus affect my credit score that I value. This has the potential to cause a difficulty in my life if I have to apply for other credit due to this closing and it affects my credit and lowers my score. I would like a valid reason as to why this is being done. If you check my credit none of my credit cards are delinquent or in collections in anyway.

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 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2018-10-10
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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint:
Hi I been trying to dispute a account with navy federal credit union for the longest because I never had an account with them the address they say they have on file that the card was sent to I havent stayed they in 6 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNVFUNDG ( XXXX XXXX XXXX XXXX ) XXXX Balance {$97.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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: Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint:
I disputed a transaction that i did not approve and my credit went down

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 2023-09-06
Product: Credit reporting or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint:
I request for company yo be removed off my credit. I did not give consent to XXXX XXXX. I have confirmed that I did not give them any consent to report. A representative told me to file with credit Bureau. I would like for Transunion to honor the 15 USC 1681b no consent matter as they have not

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 2023-02-23
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: IN
Tags: Servicemember

Complaint:
For the last few YEARS I have told all three credit bureaus and the credit agency that the information for these accounts is false. They keep saying do a dispute and then I do and they never correct it. In XXXX 2016 I was the regional property manager for apartments in XXXX KY. XXXX ( cable and internet provider ) wanted our business. My property managers all decided to give them a try. Because I was the regional I had to give it the okay. They put it as a personal account instead of a corporate. They have me under XXXX XXXX. And they are charging me several different bills for this corporate account I have tried repeatedly to have this fixed but to no avail. And they have the wrong dates on my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint:
I.c systems reported collection on my credit reports, on behalf of XXXX which I never had .. XX/XX/2019 Trying to collect {$440.00} Account is not mine I have disputed this collection with ic system over the phone and through the credit bureaus As a fraudulent account

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 2022-11-01
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: Experian Information Solutions Inc.
State: CA

Complaint:
I sent a letter on 10/15/22 to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX .... Balance XXXX {$2300.00} ; XXXX DEPARTMENT OF EDUCATION XXXX .... Balance XXXX {$570.00} ; XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XX/XX/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 2023-06-17
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: NV

Complaint:
I have reached out to the credit bureaus on multiple occasions and have yet to receive a legitimate investigation or response. I am reaching out to the CFPB Regarding my concerns with the accounts listed below Please have these accounts removed from my credit profile XXXX Date opened incorrect, Balance incorrect XXXX Balance Incorrect XXXX Date Last active incorrect Balance incorrect Date opened incorrect

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 2022-01-20
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: Experian Information Solutions Inc.
State: TN

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2023-04-06
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
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: EQUIFAX, INC.
State: CA

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 4TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT. I'M REPORTING THIS TO THE ATTORNEY GENERAL AND MY ATTORNEY AS THIS IS MY 4TH REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
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: Their investigation did not fix an error on your report
Company: FACTUAL DATA CORP.
State: CA

Complaint:
This company ran a credit check on my without my consent or authorization. I have no idea who they are or what this was about. I disputed it but they did not delete it off my credit history with each of the three credit bureaus. This should be deleted off my credit report on / with each of the three credit agencies immediately as it was unauthorized. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Product: Debt collection 
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt
Company: Cedars Business Services, LLC
State: CA
Tags: Servicemember

Complaint:
We resolved a dispute in XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 2013. This is a fraudulent attempt to reinstate a debt.

Company response to consumer: Closed with explanation