hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2022-03-11
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: TN

Complaint:
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : - Fact, the Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; - Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Transunion is in violation of 15 USC 1681 ( A ) ( 2 ) ( B ). Furthermore, under investigative consumer reports : When a consumer report creates an investigative consumer report theyre not supposed to include faction information and theyre also supposed to interview your neighbors, friends, or associates. If any information from the investigation resulted as factual, it has to be excluded from the consumer report. I have made contact with Transunion and explained my rights as mentioned above demanding they remove the XXXX  account # XXXX, and inquires XXXX XX/XX/21, XXXX XXXX XX/XX/21, XXXX XX/XX/21, XXXX  XXXX XX/XX/21, XXXX XXXX  XX/XX/21! Transunion has failed countless times to comply. 
Thank 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 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint:
I am XXXX XXXX and I am submitting this complaint and there is no third party involved. These accounts are inaccurately and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in the violation of FCRA. REMOVE THEM FROM MY REPORT IMMEDIATELY. 
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 explanation
Consumer complaint received 2023-02-27
Product: Debt collection 
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint:
Cashnet USA account was opened in my name back in XX/XX/2017 and was not opened by me. There is identity theft going on and Cashnet USA needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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: EQUIFAX, INC.
State: CA

Complaint:
I sent a letter last XX/XX/XXXX, to remove these 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 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
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  Balance : -, XXXX XXXX Balance : -, XXXX XXXX  Balance : -, XXXX XXXX XXXX XXXX  Balance : {$540.00}, XXXX XXXX  Balance XXXX {$550.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00}, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$340.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$470.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}, XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) XXXX Balance : {$430.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$860.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$710.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$910.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$600.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
These companies : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX are inquiries on my credit report that was not authorized to run my credit whatsoever. They never had permissible purpose. XXXX will not remove the inquiries and told me they will not dispute them!

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 2023-08-08
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: 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-01-24
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: MI

Complaint:
This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX  MI XXXX XXXX XXXX Balance : $ - ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$8900.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2023-08-14
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: LEXISNEXIS
State: FL

Complaint:
I previously disputed several incorrectly reported items on my consumer profile, including a public record. LexisNexis sent letters to me stating that several items were deleted on my consumer profile. No updated consumer report was mailed to me. No link was provided for me to access my report. I have since called LexisNexis about six times requesting clarification on changes to my report. Each time that I call and explain my concern, I am transferred to a " Public Records '' department. Once connected, the representative blatantly disconnects the call. There were times that I was disconnected before the transfer. I have asked for a warm person-to-person transfer but that did not happen. I am placed in the queue each time. I have emailed LexisNexis, but no response. The company is refusing to provide me with a copy of my report and is deliberately making the dispute process difficult. My request is that LexisNexis investigate the calls and emails. A company that has access to my personal data yet hangs up on me fails to respond, and fails to provide me with the requested information is alarming to me. I am also requesting that LexisNexis provide me with a detailed explanation of the disputed information. As there is no way for me to know which record ( s ) were changed in my consumer profile. Today I spoke with " XXXX '' and " XXXX. '' When I spoke to XXXX she told me that she could not help me after I waited several minutes. She then told me that due to the security freeze, I can not get my consumer report. When I told her the security freeze has been on my profile since 2018 and I have received several letters this year with a link giving me access to my report, she then said it was due to my state. I then explained that my address is the same and asked for a supervisor. She said I would have to await a callback. She asked if I could provide a different number because a rep tried to call me previously and could not reach me. I explained that I was never informed that anyone would call me. I receive spam and scam calls. Had I been advised that someone would contact me, I would have been expecting their call, ultimately answering a known phone number. Six attempts later and still no resolution. Still no consumer report. Still no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint:
In accordance with the Fair Credit Reporting act XXXX Bank using account # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-04-01
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: OH

Complaint:
XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US  DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Product: Debt collection 
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint:
XXXX XXXX has been repeatedly calling me concerning an old debt that was sold to them by capital One, back in XX/XX/2017, this account is over Ten years old was opened back in XXXX, keep reporting it as current on my credit report since it was sold in XX/XX/2017. The calls are every other day from different numbers and Ive repeatedly told them not to call my number again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
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: EQUIFAX, INC.
State: CA

Complaint:
i've been a victim of identity theft and am requesting to have this item removed from my credit report. it does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
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:
I Contacted The Company XXXX XXXXXXXX Over The Phone About 3 Statement Periods Not Reporting On My Credit Report ... And They Said They Don't Know What's Going On And It's Nothing They Can Do About It.

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 2020-02-19
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: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint:
On XX/XX/18 a Validation of Debt request was sent to Fair Collections & Outsourcing on a debt they were attempting to collect for {$11000.00}. On XX/XX/18 an official dispute was mailed to Fair Collections regarding the same debt identified on behalf of XXXX XXXX XXXX in XXXX XXXX On XX/XX/18 a representative contacted our offices requesting an Identity Theft Affidavit which was immediately provided. On XX/XX/18, the Fair Collections representative advised the collection account was " on hold '' pending XXXX XXXX 's re-investigation ( and trust me, they have ALL of the needed documents too ). As of today, the account is now being reported to our client 's credit histories in clear violation of the Fair Debt Collections Practices Act. Fair Collections was previously in violation of the FDCPA when they reported a second fraudulent lease through another apartment community, in spite of receipt of all fraud documents, pending their re-investigation. This second account has now been cleared by the apartment community and reportedly removed from our client 's credit history.

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 2019-07-29
Product: Debt collection 
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint:
Midland Funding/XXXX per XXXX credit report XX/XX/XXXX Midland funding est fall off date XX/XX/XXXX looking at XXXX XXXX, midland funding was removed from credit report XX/XX/XXXX new XXXX XXXX report XX/XX/XXXX ; midland funding was placed back on and new est fall off date XX/XX/XXXX 1-why was it put back on after it was removed 2-why is the fall off date changed to XX/XX/XXXX from XX/XX/XXXX 3-date of last payment with original creditor XXXX XXXX XXXXl XX/XX/XXXX per credit report ( XX/XX/XXXX was 30 days late and account never brought up to date. XXXX XXXX shows last payment XX/XX/XXXX but delinquency date of 120 days was XX/XX/XXXX. XXXX XXXX already removed from all three credit reports. 
4-SOL for PA is 4 years and previously midland already advised in writing they can not sue me! 
5-why did date change and put back on credit report after it was removed

Company response to consumer: Closed with explanation