hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2023-04-20
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: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint:
on XX/XX/XXXX I was at XXXX XXXX inquiry on vehicle as questions I was told they would do soft inquiry to see about pre approval amount that I may Qualify for. I was amazed on XXXX XXXX these Inquires on my credit report that I have no knowledge of. Here is list of Inquires XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX slap in face if I would of known they were going to run Hard Inquires with out my permission I would of done this my self at Banks I prefer to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
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: LA
Tags: Older American

Complaint:
The reason for me filing this complaint with your agency is due to XXXX credit reporting agency refusing to conduct a fair investigation into several accounts Running of Reporting Period of XX/XX/XXXX, re-aged. When I initially filed my dispute with XXXX against XXXX XXXX XXXX and XXXX XXXX  companies illegally reporting the wrong first date of delinquency, I provided documentation as proof of my allegations expecting XXXX credit reporting agency to include all documents I sent as part of the dispute, they instead refused to include my documentations as part of my dispute, citing a erroneously statement they will not use any of my information provided with my dispute to refute fraudulent information being reported by XXXX XXXX XXXX and XXXX XXXX. My billing statements I provided shows my first date of delinquency occurred XX/XX/XXXX, not 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 2020-05-28
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments
Company: PNC Bank N.A.
State: GA

Complaint:
I was setting up my checking account with a program called XXXX   XXXX, created by XXXX which sues robocallers. But while connecting my account, I got the following error message : PNC Bank has made a change that prevents you from being able to link your accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2018-08-27
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: OK

Complaint:
Checked my credit report monitoring service and there are 3 accounts with money owed that are not mine. It says XXXX XXXX / XXXX XXXX / and XXXX. I am asking cfpb to see who is the person to contact to remove this item off of my report. I also see if follows under the provisions of 15 USC section 168i of the Fair Credit Reporting Act of 1970. Please delete and remove this items off of my report record.

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 2022-12-19
Product: Checking or savings account 
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint:
I was notified on XX/XX/2022 from XXXX asking if I opened up a capital one account. I informed them no. Then we both called Capital one 360 on XXXX XXXXXXXX XXXX informing them that the account was fraudulent. They admitted transactions were completed but would not tell us what. Then the XXXX agent asked if I was liable for any funds and the representative from Capital one said no. I received a bank statement today stating the account is in a negative balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Product: Checking or savings account 
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint:
Bank of America has opened one savings account XXXX XXXX XXXX Banking without my request. I told them but they have not closed the account. Now, I received another email for another application for another savings account. No deposits have been made in the initial one which makes me believe this is something the bank did, but Im not sure the benefit. I just know XXXX XXXX did this to their customers.

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 2023-05-31
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: Fidelity National Information Services, Inc. (FNIS)
State: MN
Tags: Servicemember

Complaint:
The following inquiries viewed by others and only by me currently listed and showing on my Chex Systems XXXX Report ID : XXXX are unauthorized and not my inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2018-03-28
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: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint:
XXXX is not removing accounts that should be removed from my report that are inaccurate from 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 2022-04-16
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: Trident Asset Management, L.L.C.
State: FL

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX TRIDENT ASSET MANAGEME XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TRIDENT ASSET MANAGEME XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint:
My name is XXXX XXXX I purchased my vehicle on XX/XX/XXXX, from XXXX XXXX  XXXX XXXX XXXX, XXXX, MI XXXX. When I purchased my vehicle it was already a two-year-old XXXX XXXX XXXX. And the As-Is purchased price was {$15000.00} I made payments from XX/XX/XXXX, until XX/XX/XXXX. At the time of my accident, I had paid Santander {$22000.00} to Santander Consumer USA. I submitted my claim to my Gap insurance company XXXX XXXX XXXX XXXX ( XXXX  ). The GAP insurance should have paid the remaining balance of {$5100.00} but paid {$77.00}. XXXX dollars. And Santander has charged me {$22000.00} so far and now asking for an additional payment of {$5100.00} for my used, totaled vehicle XXXX XXXX XXXX. Of which was savage and paid off by XXXX XXXX XXXX paid over {$6100.00} shortly after my car accident. I was under the impression that everything was paid in full. I received harassing phone calls and statements through the mail from Santander Consumer USA. The problem is I paid Santander {$22000.00} more than the purchased price AS-Is- the price of {$15000.00}. The purchase in XX/XX/XXXX of a two-year-old vehicle was {$15000.00} they overcharged for the vehicle before it was purchased. I paid {$22000.00} already. And now they what me to pay an additional {$5100.00} after the vehicle was totaled on XX/XX/XXXX. And the insurance paid {$6100.00} and I had full coverage and GAP insurance. The GAP only paid {$77.00} because they stated my full coverage paid {$6100.00}. That does not matter if my insurance company paid their part GAP should have picked up what was due. And Santander should not be harassing me at all period? Please help me recover money if I can for the overpayment of the XXXX XXXX XXXX. I believed I was overcharged and there is some kind of law that protects buyers from being overcharged on used vehicles. As well as hold XXXX XXXX XXXX { GAP } accountable for making the necessary payments on my behalf. By paying the existing balance of the salvage, totaled XXXX XXXX XXXX vehicle. Can you have whomever you forward my documents to? Check for all wrongdoing on whomever part. I have enclosed all the documents in my possession on the XXXX XXXX XXXX. I can be reached by cell at XXXX XXXX and on my home phone at XXXX XXXX or by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Creditors Service Bureau Inc
State: KS

Complaint:
RECEIVED NOTICE OF SUMMONS & APPEAL TO APPEAR AT XXXX XXXX COURT ON XX/XX/18 AT A RESIDENCE WE HAVE NOT LIVED AT FOR NEARLY 3 YEARS, CALLED DEBT COLLECTOR ASKED TO VERIFY DEBT, WAS TOLD THAT THEY HAD SENT VERIFICATION OF DEBT IN XXXX, RESPONDED THAT I HAD NEVER RECEIVED VERIFICATION OF DEBT, ASKED IF THEY HAD LEFT CONTACT INFO REGARDING DEBT FOR MY WIFE WHOSE DEBT THEY ALLEGE IT IS WAS TOLD THEY HAD NOT ( PHONE CALLS, VOICEMAIL, LETTERS ETC. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint:
On XX/XX/2021, I mailed a letter to experian in regard to an inaccurate collection account, company is XXXX XXXX XXXX XXXXXXXX. {$330.00}. This account was found to be inaccurate and removed. now the company has relisted the account without any form of mailed communication. They did not provide me with debt validation of a copy of the ORIGINAL CONTRACT WITH MY SIGNATURE FOR THE DEBT. They did not provide me with the FULL PAYMENT HISTORY FROM THE ORIGINAL CREDITOR. They did not provide me with the ADDRESS of the ORIGINAL CREDITOR. The collection company did NOT SHOW PROOF THAT THEY OWN or HAVE BEEN ASSIGNED THE DEBT TO COLLECT.

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 2023-05-05
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: NV
Tags: Servicemember

Complaint:
XX/XX/2023 In my complaint today I am addressing ongoing incorrect information on my credit report. I operate a XXXX XXXX and accurate credit reporting is all I am asking for to be corrected. My charity works with veterans on suicide prevention and we rescue wild mustang horses and re-purpose them. 
I am asking for the CFPB to look into the history of not only me but others as there are numerous complaints similar to mine. I feel after my discussion including showing up at the office headquarters in XXXX XXXX NV I am be retaliated against. I am just not sure of why? 
I am attaching screenshots and multiple proofs including multiple contacts with XXXX XXXX including in person visit please compare my photos attached at their headquarters. I am also attaching screenshots from XXXX XXXX own app and my bank account. I am now being purposely targeted for a discussion that became heated with one of their customer service agents. So they are going out of their way to punish me. I am looking for resolution by either deleting ALL late payments or deleting the account entirely as acceptable. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

Please refer to the attachments which show : Statements from XXXX which is where I pay the account From XXXX XXXX phone app Photos from XXXXt XXXX headquarters Letters and proof of multiple attempts to correct this Multiple IDs verifying my identity I am begging for help. I understand we live in a politically charged world. I am just trying to help our veteran community which is not popular but I am asking for reasonable solutions. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
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: Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2019-06-17
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: TX

Complaint:
I have disputed a total of 17 derogatory items that do not belong to me with XXXX, XXXX, and Transunion. Several of these accounts are listed multiple times with multiple different spellings. Eleven of the items were removed previously after I disputed them only to be re-added to my credit file with different spellings. The accounts are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX  XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX 10. XXXX 11. XXXX XXXX 12. XXXX 13. XXXX 14. XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX 17. 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 2023-06-16
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint:
Hi! I'm writing about unauthorized purchases to my account with BOFA. Since, around XX/XX/2022, we have had approximately {$19000.00} unaccounted for! It's been to our understanding that our identity was stolen. BOFA closed the old account were most of the funds had been unauthorized. The unauthorized charges continued on the new account at that time!? Most of the unauthorized charges were coming from XXXX, Colorado! We have exhausted all means of resolving these unauthorized purchases with BOFA. We've went to several branches with BOFA in person, spoke to supervisor after supervisor. They said they couldn't help us there. They just continued to tell us to call their fraud department. We and different Family members/friends attempted to try and get results with no progress! 10 to 15 times on the phone with agents, and supervisors including their fraud department, over and over! We just keep getting the run around. Stealing money from the elderly ( XXXX and XXXX ) years old! is reprehensible. Our account was closed on or around XXXX of XXXXWe were issued a new ATM/debit card and new account number. Unauthorized charges kept coming out of our account. The agents on the phone just kept placing us on hold over and over then transferred to several Supervisors with no results! Their fraud department has created 3 cases. We have 3 claim numbers with no results!!! We filed a police report case # XXXX with the XXXX. We've reached out to XXXX XXXX and they have been supportive. They referred us to you. Looking forward to hearing from you! 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 explanation