hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2020-06-26
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: GA

Complaint:
SOMEONE STOLE MY ID ND MY SOCIAL SECURITY NUMBER AND USED IT TO OBTAIN A CAR AND TO SIGN UP FOR SCHOOL I DID NO GIVE ANYONE PERMISSION TO USE MY INFORMATION NOR WAS I AWARE OF THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-05-15
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: DE

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 these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-27
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: TX

Complaint:
Certified letters to validate or provide proof of the debt were mailed XXXX XXXX, 2020 to XXXX XXXX and 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 2020-07-27
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: CA

Complaint:
Unfortunately do to Covid 19 we were late on my our mortgage for XX/XX/XXXX. Once we were able to catch up on our mortgage in XX/XX/XXXX we did. We live in California and were put on an automatic shut down on XX/XX/XXXX. I was temporarily laid off as well as my wife. We both bounced back and were able to catch up on our mortgage the next month thanks to unemployment and the stimulus check. I was told the CARES ACT was supposed to protect us from mortgage lates being reported due to covid 19. Please remove the lates from all 3 mortgage bureaus.

I did contact them twice one being as recent XX/XX/XXXX and they removed the late fees but they have not removed the lates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Product: Debt collection 
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Credit Corp Solutions Inc.
State: LA

Complaint:
I have been receiving multiple phone calls, sometimes per day. Blocked numbers, spoofed numbers, etc. The agents are dismissive when I tell them that the debt was sent to them in error. I applied for and received a credit card but did n't end up using it for my dental work. I have the receipt for the cash payment. I 've tried calling XXXX XXXX - where the debt seemed to originate - but they say that once the debt has been sold they can not retrieve the information that would clear my name. 

The agents from this company, Credit Corp Solutions, have heard all of this information but do not seem interested at all in it. They repeatedly say that they only want to discuss how I can pay them. If I try to disengage the conversation because I am driving or my children need my attention, the agents will firmly try to keep my attention to their call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away
Company: CITIBANK, N.A.
State: NY

Complaint:
I am writing about a citi card that was opened on XX/XX/XXXX and closed on XX/XX/XXXX. The situation is my account was closed due to a misunderstanding. Fast forwarding they had agreed since everything was paid off they would remove this account from all credit file agency 's. 

The main issue is it says account closed by credit granter. I always paid them on time and this whole thing was a misunderstanding. When they tried to call me I never got the call. I was a good client for years and as there supervisors told me they understood why I would feel the way I do and would remove entire thing from file. They have yet to do so. 

I have good credit and don't want a misunderstanding on my credit report. I would hope citi honors what there supervisors had said. I have spoken to them several times.

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 2022-08-16
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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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: STERLING JEWELERS, INC.
State: FL

Complaint:
This account is still on my XXXX report when I was told they would quickly remove it once I paid the full balance. The full balance was paid but it still shows on my 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 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: TX

Complaint:
To Whom It XXXX Concern, 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 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 2021-06-29
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:
These accounts are not mine and have never been mine. I do not recognize the items, I am victim of identity theft. I am very stressed out because I do not know what I can do in order to remove them from my credit profile. Its killing my financial side. Please remove them ASAP

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 2022-10-03
Product: Debt collection 
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: Real Time Group, Inc.
State: NV
Tags: Older American

Complaint:
Thank you for providing a copy of all the communication from XXXX until charge off date. 

I observed that XXXX provided creditor information on some letters and not on other letters. I would request that on all communication which didnot have creditor information, XXXX reveiew its record once again and provide the name of the creditor on the date that communication was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Product: Debt collection 
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint:
Contacted my wife who is not on the card. Old navy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint:
Without notice, justification, cause, or documentation despite requests USAA has removed my online access to my auto loan. I am unable to view or pay my loan as everything is done online and I am no longer able to access my account. I was told I should regain access, then told I would not be given access to my account online. This is a problem, as I have not received paper statements for a while.Thus I do not know where or when I send in my payment. I am unable to view payment history, or anything to do with the account. I have not so much as received a single phone call regarding my auto loan from USAA. I have called to inquire about this and have just been told someone would be in touch. It 's well over a month now that I Have not had access.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
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: JDJ Investments, INC.
State: LA

Complaint:
I have an account on my credit file from credit bureau services. This account isnt mine and under the FDCPA this a violation of my rites.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
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: Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint:
I lived in apartment complex for 2 years until a Maintance man made it very uncomfortable and was entering my home with no orders I was at a month to month lease by then. I was told to as long as I gave notice it would be fine because I have until the XXXX of each month.I have pictures of apartment left spotless and they never gave me my deposit back which was {$650.00} and they billed me for a months rent which is all false I am going to try to get a smalls claim court order but they are robbing me blind I  have never been a late payment type of person on my rent I can get that in writing from each land lord.I have had the last 15 years.

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 2023-01-27
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: NY

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance Owed : {$140000.00} ; XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$520.00} ; XXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance Owed XXXX {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$7800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
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: TN

Complaint:
Equifax, refuses to correct incorrect information on my credit report. My confirmation number has been compromised, and my Equifax Pin Number has been compromised, and I would like an Immediate Investigation, why that, " XXXX XXXX XXXX '' has not been removed off my Equifax Credit Report.!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
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: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-26
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: EQUIFAX, INC.
State: GA

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27
Product: Debt collection 
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: SYNCHRONY FINANCIAL
State: LA

Complaint:
I was served through the City Court notice that Lowes was trying to collect a debt through law firm, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I corresponded with one of the lawyers, XXXX XXXX, about my debt via email. He decided the pay off would be {$500.00} dollars by XX/XX/2017. I paid the amount and I have proof it was cashed. I have contacted the firm, and put in a complaint. They have not responded.

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 2020-07-23
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: DriveTime
State: TN

Complaint:
I HAVE SOME CREDIT INQUIRES ON MY REPORT THAT ARE ERRORS AND ARE NOT SUPPOSE TO BE THERE.

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 2023-05-13
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: MI

Complaint:
Hello! 

This is in regards to a re- investigation of late payments reporting on my account that I requested. It should have taken place. I have reason to believe that the late payments are reporting inaccurately for the XXXX XXXX and XXXX accounts. 

I have strong reason to believe that they are inaccurately reporting. 

May you please encourage this company to conduct a proper investigation with the original creditor? 

Did they investigate? 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Williams & Fudge, Inc
State: IN

Complaint:
I was notified today, XX/XX/2020, via XXXX that a derogatory mark was placed on my credit score from Williams & Fudge Inc for {$1900.00} for XXXX XXXX XXXX XXXX. I was never notified of this debt, never contacted prior to the derogatory mark, never given this amount, and all of my XXXX XXXX XXXX XXXX debt is being paid through my student loan providers with a 100 % on time payment history. I have not contacted this company because it doesn't even look legitimate to me. The amount owed is a random number and I don't owe this / have never owed this random amount via any college related expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
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: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint:
I had a checking account with citizens bank since XX/XX/XXXX. I arranged for automatic checking account deductions for a service at that time. After I moved from New York, I left the checking account open with a balance remaining in the account of approximately {$2000.00} as I had automatic payments coming out of the account. When the balance was at XXXX, I switched to my new checking account and closed the Citizens bank checking account. Unbeknownst to me, the account remained open and there was a line of credit attached to it. When one of my creditors submitted a final automatic payment, the overdraft line of credit was accessed in the amount of {$20.00}. I did not have notice of this event and had no idea that I had a line of credit or that I now owed Citizens {$20.00} on that line of credit. Months later, I have found on my credit report that I am delinquent. When I contacted Citizens to inquire I was advised that I must pay {$190.00} due to late fees and interest. I offered to make the payment online and close the account, but I was informed that the only way to do so was to come into a local branch. Because I was no longer in the area, my elderly father went to the branch to pay the account and resolve the credit report issue. Citizens accepted the payment but stated they could not expunge the derogatory entry on my credit report. This was unfair and deceptive as I was led to believe this matter would be corrected upon payment. Moreover, since I had no notice of the line of credit access or that I had a balance, Citizens bank accrued charges to my detriment in excess of {$160.00}.

Company response to consumer: Closed with explanation