hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2023-07-21
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: Nelnet, Inc.
State: OH

Complaint:
I have a balance of XXXX student loan that I'm unaware of the name of the company is DEPT OF ED/ XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint:
I opened a XXXX XXXX account though XXXX XXXX XXXX  on XX/XX/XXXX. I was making payments on time but then fell behind. I received a letter in the mail in XX/XX/XXXX saying they were offering me a settlement offer for {$1600.00}. I called around XX/XX/XXXX to agree to the offer. I gave them the payment information and they processed the payment. The payment came out of my bank account on XX/XX/XXXX. I received a confirmation number and was told my account would be closed and that it would show up on my credit report as paid in full by less than full amount. 

A few weeks after I paid the settlement amount, I received a bill in the mail saying I owed a monthly payment of over {$400.00}. So on XX/XX/XXXX, I called the XXXX XXXX card, spoke to a man named XXXX and asked why I was still receiving payment notification letters after I already settled the account. I was told that it would take about 21 days to close the account and disregard any future emails or bills and I'll receive a letter in 21 days. 

I kept receiving bills and email notifications and noticed that on my credit report it was showing delinquent and affecting my score. 

On XX/XX/XXXX, I called the XXXX XXXX card again this time being more stern in my approach telling them that the account was settled and that it was suppose to be closed 21 days after XX/XX/XXXX and I'm still getting bills. The man named XXXX transferred me to an Account manager named XXXX, who apologized for everything and said she would send an email stating the account is closed and has been settled and would take care of the credit reporting issue too. She mentioned she would call me back in 1-2 days to let me know the status of everything. 

My problem with this whole situation is that it don't seem there's communication being relayed and that my credit has been taking a good hit. 

If there's anything you could do, that would be awesome! 

Thanks, 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 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint:
I recently moved back from XXXX XXXX XXXX to XXXX and when shipping boxes one of them was stolen through USPS. I'm still trying to get in contact but they refuse to cooperate and the box that was stolen had my social security card in there. I was trying to look for apartments and can't get approved because I saw that there's a lot of debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2021-12-06
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: FL

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
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: VA

Complaint:
his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX 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 2020-08-20
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:
This is Fraud and, I would like to report this. Something needs to be done about this i did not give anyone consent to open any Accounts using My personal Information. This Fraud needs to stop in Florida this is very stressful

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Product: Debt collection 
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt
Company: Cottonwood Financial Ltd.
State: TX

Complaint:
I received a letter from XXXX XXXX XXXX XXXX XXXX threatening a lawsuit over a cash advance loan that I have no recollection of ever getting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
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: IL

Complaint:
I'm named as an authorized user on accounts that I have no knowledge of, and them accounts are as following 1 ) XXXX XXXX  2 ) XXXX XXXX XXXX, XXXX limit Please remove these accounts, 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
Consumer complaint received 2022-06-02
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 XXXX XXXX # XXXX, also act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Product: Debt collection 
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX California XXXX XX/XX/XXXX COMPASS BANK XXXX XXXX  XXXX XXXX AL XXXX XXXX XXXX COMPASS BANK Account Number : XXXX Balance : {$9700.00} SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : COMPASS BANK I would like to make arrangements to settle the above referenced matter. 


Please provide me with your statement of the amount owing as of ( XX/XX/XXXX ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 



Thank you very much. 


XXXX XXXX XXXX, XXXX Without Prejudice UCC 1-308 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO

Complaint:
Please see XXXX, reopening. HSBC has not provided explanation on why incorrect 1099-C code was inputted on form. HSBCs response to see previous correspondence from them is insufficient as the code should be A for bankruptcy and they have never provided any explanation on why the incorrect reporting codes were used. This card was cancelled and closed due to a bankruptcy filing.

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 2023-02-09
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: NCB Management Services Inc.
State: GA

Complaint:
I have sent several complaints to the credit bureaus on XXXX, XXXX, XXXX XXXX with XXXX and XXXX There is inaccurate information listed on my account with NCB Management systems. The company is stating that I XXXX XXXX dollars to them. I have never been extended credit from NCB. However, In XXXX I did have a car repossessed by XXXX XXXX The care was repossessed and sold at an auction for XXXX. 
Not only is the amount owed to XXXX not matching the amount that the car was repossessed for the debt is showing as if it is a new debt on my credit report with different amounts showing. I have call the company, I have called the credit bureaus and they have not been able to resolve this issue. They keep saying it is investigated. This is not the case. This debt is reporting like a new debt and NCB refuses to show me proof of what I owe. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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: EQUIFAX, INC.
State: FL

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Product: Debt collection 
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying
Company: Receivables Outsourcing, Inc.
State: PA

Complaint:
My husband is receiving robocalls ( at home, while he's at work ) from some company which comes up on the caller ID as " XXXX ''. The robocall assumes that someone is answering ( even though it's the machine picking up ) and says it will hold 3 seconds till my husband can get someplace " private '' -- which seemed VERY fishy to me ). When I called back to ask what it was in reference to they wouldn't tell me. So I said " If we tell you to not call the house, you have to NOT CALL THE HOUSE '' ( that is, as I understand it, the law ). Well we got another call this XXXX. So I called the number back, which was XXXX and got some company called " XXXX XXXX XXXX '' ( or some such ) and told the woman who eventually answered ( I did NOT give my phone number! ) that they had already been told NOT TO CALL. It got a little heated and the woman hung up. So I called again ( hey, it's THEIR dime ) and got someone else who *assumed* it was my husband calling -- so much for not giving them my phone number .... And I again said " It's illegal for you to call my house after you've been told not to do so! '' I then deleted the message and called my husband at work ( this may be a medical debt that he THOUGHT he had taken care of long since ) and he was going to try calling the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
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: NY

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint:
I've filed a fraud case with AMEX on XXXX, XXXX 2023 regarding a transaction under XXXX XXXX WA for {$1900.00}. I was initially told the investigation would conclude within 30 days. Well it has been over 37 days and the charge remains on my account. The unauthorized charges have already been reflected on my credit report even though I was initially told that I wouldn't be liable for the amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-25
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: OH
Tags: Servicemember

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 Account number : XXXX 15 U.S.C 1681 Section 602 A. States i have 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 then 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 explanation
Consumer complaint received 2023-02-01
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: AL

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Product: Debt collection 
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine
Company: Omega RMS, LLC
State: FL

Complaint:
Omega RMS has placed information on my credit report which is n't mine. I never initialized any business with this company. Omega is known for placing bogus information on credit reports. Please remove all derogatory remarks and thank you in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-09-15
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: NJ

Complaint:
On XXXX, XXXX, after pulling my credit report, I notice multiple unknown accounts on it that did not belong to me, doing my own research and asking for some help to dispute from a friend of mine, he recommended me to start disputing the inaccurate information, So I did, months went by and I was able to remove some of the accounts, unfortunately, on XX/XX/XXXX, I pulled my updated credit report and I saw a new erroneous collection account on it, I am reaching now CFPB website to file a complaint for this account that is not mine, I am expecting XXXX XXXX XXXX XXXX  '' to be remove from my report because I am not the debtor of this account, hopping for good results to come in my next update credit report.

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 2023-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief