hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2023-03-07
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: EQUIFAX, INC.
State: AZ

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2022-02-08
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: EQUIFAX, INC.
State: NC

Complaint:
I sent letters to Equifax, XXXX XXXX  XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
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: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint:
On XXXX, I XXXX XXXX XXXX the consumer, notified TRANSUNION, XXXX, & XXXX ( The CRAs or Credit Reporting Agencies ) that Im a victim of identity theft. I have proof and evidence the CRAs received my communication. The CRAs are willfully reporting unvalidated unauthorized items on my consumer report. The person furnishing this misleading information has no permissible purpose to do so. The CRAs failed to block the information I filed with the FTC and sent me correspondence stating the information inside of my identity theft report has been investigated and proven to be accurate, verifiable and will continue to report as such. Pursuant to 15 USC 1681d ( b ) Im requesting the nature and scope of the investigation the CRAs used to verify this information. Pursuant to 15 USC 1681i ( A ) ( 6 ) ( B ) Im requesting a DESCRIPTION of the procedure used to determine the accuracy and completeness of the information. This shall be provided to me by TRANSUNION, XXXX, & XXXX. Ive already contacted the furnishers of the fraudulent reporting. All furnishers have failed to provide the validation of the alleged debts being reported on my consumer report. The furnishers will face litigation for failing to delete the information Im clearly and conspicuously stating is fraud. Im NOT requesting the business name, address, telephone number of the furnishers because I already have that information. Im requesting the scope of investigation and the DESCRIPTION of the procedure used to verify this information. The CRAs know or should know that they cant use the information inside of I, the consumers file prior to the block request to verify information reported as identity theft. Pursuant to 15 USC 1681c-2 ( c ) ( 3 ) the presence of information in my file prior to the notice of identity theft is not evidence of verification.

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 2023-04-26
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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint:
I never had an account with capital one. They keep allowing someone to put credit cards in my name. This is not the first time i had to deal it this with them. Please provide me with proof that this account is mine. They mentioned before they didnt have proof. The account is not mines!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint:
I can not believe that Equifax decreased my credit score wrongfully AGAIN despite the fact that I had disputed ( Confirmation number : XXXX, Dispute date : XX/XX/2021 ) months ago for the very exact reason ( Decreasing of my credit score significantly upon a wrongfully late payment remark in our XXXX XXXX ( Auto ) account ). Equifax corrected my credit score after I had provided a letter from XXXX XXXX ( Auto ) showing that I had no delinquency and paid each of my payments on time and in full. Again, this was months ago. 

Today, I found out that Equifax decreased my credit score AGAIN for the very same reason. 

I am attaching a letter -AGAIN- from the aforementioned company in order to be added to my dispute file. 

Please correct this item in my credit report and correct and restore my credit score. 

Thank you for your time. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Product: Student loan 
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service
Company: AES/PHEAA
State: TX

Complaint:
Dealing with XXXXAES, I can not access links or pages to apply for Income Based Repayment. There process has been to stonewall all of my attempts since  XXXX 2018. This has caused my loans to go into default and my credit score has take a severe dive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Product: Checking or savings account 
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: IN

Complaint:
On XXXX XXXX, 2017 XXXX XXXX closed my account due to their terms anhd conditions. They did not give me enough time to get my direct deposit switched. I called them about 20 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
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: Experian Information Solutions Inc.
State: GA

Complaint:
Experian is reporting fraudulent information regarding a dismissed chapter XXXX bankruptcy. The information has been disputed multiple times over the course of several years in attempts to have the information removed. Experian states the information is verified by XXXX. XXXX states otherwise, they do not have any information regarding a chapter XXXX bankruptcy being reported by them in the VERIFIED department of their data base. XXXX did state they do have information in their UNVERIFIED department which from their statement, " Under the FCRA, can not be used for credit decisions, personal information, job placements etc. '' If Experian is using unverified public records from XXXX they are violating this act and my right as a consumer. Attached is XXXX report stating they do not contain the information Experian is stating they provided.

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 2021-11-06
Product: Checking or savings account 
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint:
XXXX XXXX I run a small XXXX XXXX and unfortunately Covid hit my XXXX hard and 90 % of my clients went on hold ( clients choice ) due to the virus and fear! Do to this I was on XXXX and I had to apply for the PPP loans. I never expected when I started my XXXX for any of this to happen and prior to covid my account was in good standing! I have been charged thousands of dollars in fees! THOUSANDS! Yes they waved some ( {$2200.00} last I counted ) in fees since covid hit hard, but then again Ive paid over {$12000.00} in fees to This date XX/XX/2021. Ive explained my experience and Ive asked for help and I keep getting told they can no longer help me. I am aware I got a lot of help during the pandemic because times were hard, but Im also aware that $ XXXX in fees is absolutely ridiculous! I keep trying to get into the positive and keep it there and they keep applying fees. Each fee puts me further and further behind!! Im a single mom, a small Buisness owner and this past almost 2 years has been hard and I need some Help here! Ive given them over $ XXXX in hard earned money just because I went negative or I had NSF a few times. Im doing my best to catch up, and I cant catch up if they keep adding fees and continuing to put me further behind.

Company response to consumer: Closed with monetary relief
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: GA

Complaint:
found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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

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 2022-07-19
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: OH

Complaint:
XXXX XXXX  reports on my credit file And account is not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02
Product: Debt collection 
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt
Company: ENOVA INTERNATIONAL, INC.
State: TN
Tags: Servicemember

Complaint:
hello, my name is XXXX XXXX XXXX. i am a XXXX XXXX  with XXXX XXXX XXXX 
my XXXX  is presently XXXX XXXX XXXXXXXX. at the branch on XXXX XXXX in XXXX tennessee. i work 6 days a week. yesterday, XXXX XX/XX/XXXX i was blindsided at my post by a gentleman serving me a summons. 
it is for a court hearing on TUESDAY XXXX XX/XX/XXXX, XXXX. could you believe this, less than 30 days. FOR A COURT CASE. no room to breathe or prepare here.. 

details are as follows : : : : GENERAL SESSIONS COURT XXXX XXXX TENNESSEE DOCKET # XXXX CIVIL WARRANT PLAINTIFF XXXX XXXX XXXX ACCT # XXXX BAL {$2100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( ES ) XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX TN XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX it is for an account with cashnetusa acct was charged off on XXXX XX/XX/XXXX. 
i am unfamiliar with said acct. 

after work, i went home to research my credit reports to look for this debt. 
after thorough searching i found the following results... 
XXXX NOT FOUND XXXX NOT FOUND XXXX NOT FOUND XXXX nothing there

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
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: GA

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights under 15 U.S. Code 1681. 

XXXX XXXX XXXX XXXX - Account number XXXX, has violated my rights. 

The collection from XXXX XXXX XXXX XXXX - Account number XXXX is reporting on my credit profile in error. I do not own this account nor have i ever done business with this company. I do not have a bill with XXXX XXXX hospital. This company was verified on my report which would be a violation of my consumer rights and a hippa violation. 

15 U.S. Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

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 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 2021-02-09
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: FL

Complaint:
I was a victim of fraud and made a police report and I have disputed more than 15 accounts that do not belong to the 3 credit bureaus but I experience it is the only company that has not eliminated these accounts, I have been sending you a police report for more than 6 months personal information and they say they can do nothing if the creditor does nothing and that the creditors confirm that it is me. I have called the creditors but they say that they do not receive anything from Experian to dispute the account and that they do not have to certify to Experian that I am the owner of the account because they do not have a photo of my ID or any contract. This is hurting me and experian is not complying with the processes established by law. All the representatives give me different information and no one wants to help me

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 2020-06-16
Product: Debt collection 
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: NC

Complaint:
I received no notification regarding a collection account now appearing on my credit report. The company never contacted me regarding the account therefore I was never able to dispute the validation of the debt. 

Reporting XX/XX/2020 with remarks affected by natural disaster.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2017-02-13
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled
Company: GREAT LAKES
State: PA

Complaint:
In XX/XX/1997, I graduated with my student loan debt being XXXX. I recall correctly, I consolidated from both my community college and XXXX year college to accumulate that amount. At the time, the interest rates were near XXXX %. I was never able to re-consolidate again to lower the rate, I was told. I paid it faithfully. Then, I married and started a family, in which I ended up staying home to raise. I chose that because I was a XXXX school teacher and did not get paid enough to afford day care. My husband was in a union apprenticeship that happen to come with some really bad times. In turn, I had to defer my loan numerous years because we could not afford to pay it. We, at times, were on state assistance too. Because of the deferment, now the loan has gotten so high that I can not afford to even pay the interest. I do not know how to handle this. I am back to work, but only make XXXX a year as a XXXX school teacher, and my loan has accurred so much interest that I can not even afford to pay it. It 's very upsetting to me that when you file an financial hardship, the interest still accures, how does that help. I have accured more interest than the amount of the loan. Something has to be done with student loans in this country. It 's not like I just ignored the payments. I contact Great Lakes, for help and they just consistently told me to defer it because of my financial situation. Now, look where it 's gotten me! I am so irritated. XXXX years later, no help from Great Lakes when I needed it and now a loan almost 3 times the amount I borrowed. I have no idea how to handle this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
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've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting.. 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 2020-10-28
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: Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

Complaint:
I've contacted this company numerous of times over the past 5 months. I've stated to them as well as proven to them that they are reporting inaccuracies on my credit report. This is affecting my credit very poorly and stopping me from obtaining residence for my family. I gave this company more than enough time to correct this. Way past the legal time companies have to respond. And they just continue to violate my rights per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to U.S.C. 1681e ( b ) Compliance Procedures, my consumer report must be created with the utmost accuracy. 
Section 602 A of U.S.C. 1681. States I am entitled to privacy. 

In accordance with U.S.C. 1681 Section 604 A Section 2, a consumer reporting agency is not permitted to provide information about me without my prior written consent. 

No consumer reporting agency may make any consumer reports, any other negative items of information, or any other ran records of convictions of crimes that predate the report by more than 7 years, according to U.S.C. 1681c. ( a ) ( 5 ) Section. 

U.S.C. 1681s-2 ( A ) ( 1 ) If someone knows or has good reason to suspect that information on a consumer is false, they are not allowed to give that information to any consumer reporting agency.

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