hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2020-05-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX
Tags: Servicemember

Complaint:
On " XX/XX/2020 '' my credit score went down 18 points because of supposedly my credit card was " 30 days late for the month of XX/XX/2020 ''. First of all, we're only 9 days into the month of XXXX of 2020 ... so how can I be 30 days late??? Second of all, I called the credit union and they said they NEVER reported this to the credit bureaus. Experian stated the credit union reported this late and that my dispute will take up to 30 days to get fixed. WHY DID THIS ERROR OCCUR? AND WHY DO I HAVE TO WAIT FOR SOMETHING TO BE CORRECT THAT'S CLEARY AN ERROR ON THEIR PART? My account is not late! My account even has a zero balance! And .... now I have to fight with 3 credit bureaus to fix this error. This is horrible!!!! No one is acknowledging their error, the credit union said they NEVER reported this, and the credit agency said the same thing but I have to wait. The credit bureaus are all lying, not reporting accurate information, and also sell our information. I'm a Veteran dealing with this 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 2023-03-30
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: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update.

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 2020-02-05
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: Experian Information Solutions Inc.
State: UT

Complaint:
Affirm # XXXX is reporting a collection account that I should not owe to my credit. This was for a set of furniture I never received and now they are trying to collect on it. I do not owe this, I never received the furniture this was for and I should not owe money on something I did not get. This needs to be deleted off of my credit.

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 2022-12-18
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: TX
Tags: Servicemember

Complaint:
On XX/XX/2022 I mailed a letter in regards to inaccurate and unknown items on my credit report. It has been over 30 days and I have yet to receive a response. I feel like my disputes are not being taken seriously, and I feel like I am being taken advantage of. I have researched and found that my disputes are to be investigated within 30 days. Because the investigation has surpassed the timeline required by federal law, the items in disputes must be deleted. If the items are not deleted immediately I will file for litigation for the stress caused. Additionally, my information was also impacted by the XXXX data breach and has most likely gotten into the hands of a malicious person.

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 2022-01-12
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: OH

Complaint:
My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX My personal information, SS XXXX XXXX XXXX. I was just made aware of a fraudulent loan that was taken out under my name and credentials without my knowledge or permission. I have never done any business with a XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX ). I am disputing this under the Federal Law FRCA 605b. I have  contacted the XXXX Police and the FTC and filed complaints.

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 2020-11-06
Product: Debt collection 
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc
State: VA
Tags: Servicemember

Complaint:
I was denied a XXXX  Student Plus loan by the Department of Education which has resulted in a diminished chance of graduating from XXXX University with a XXXX XXXX XXXX in XXXX XXXX XXXX XXXX because the Department now requires perfect credit to get these loans. So I checked my XXXX  Credit Report and found a collection from COLLECTION BUREAU OF FWB, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXFLXXXX ( XXXX ) XXXX for XXXX Tennessee XXXX XXXX XXXX XXXX. This debt is supposedly for services rendered in XXXX of 2018. I contacted the XXXX group and inquired about this as I had XXXX at that time. They have no record of providing service to me in XXXX, 2018, and no record of submitting a bill from that time or any other for collection. The Collection Bureau of FWB refuses to contact the provider to verify this or to send me their information justifying this collection. They also refuse to remove this fraudulent attempt to collect a debt from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Product: Debt collection 
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint:
On XXXX/XXXX/2017 2 debts were removed from my credit report and on XXXX/XXXX2017 they were put back on my credit report without being notified this is illegal the following accounts are : XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
XXXX XXXX XXXX XXXX has been resubmit or reinserted to my Transunion Account without my knowledge or consent without notice within 5 business days of reinstatement. The is a violation of FCRA rules. TransUnion is intentionally violating FCRA rules section XXXX Notice that this account has been reinserted and remove numerous times from my TransUnion credit report. 

Please see attachment ; After being removed on XX/XX/2020 XXXX XXXX XXXX XXXX was the reinsurted again without my knowledge on XX/XX/2020, Account was then removed On XX/XX/XXXX for violation. And today again XX/XX/XXXX for you XXXX XXXX XXXX  has been reinserted without five business day notice. A violation of FCRA rules section 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 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint:
Transunion, XXXX, and XXXX are reporting inaccurate information on my credit reports. There are addresses and aliases that do not belong to me. I have tried fixing this problem but have yet to hear anything back. This is negatively affecting me. I have already submitted documentation claiming that I believe that I was a victim of fraud. They are reporting different names and addresses on each report. I am exercising my right under the Fair Credit Reporting Act 611. The following addresses and aliases are reporting incorrectly and must be removed immediately. Please reference the letters that are attached to see the inaccurate information. These letters were sent over 30 days ago. I am seeking litigation if not removed.

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 2022-08-11
Product: Credit card or prepaid card 
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: AZ

Complaint:
XXXX : I found a XXXX Gift Card in my XXXX XXXX XXXX ( XXXX XXXX ) things. The person who purchased the card had written {$150.00} on the cardholder ( it was unopened and unused ) I called XXXX ( XXXX XXXX ) to confirm the amount. I was told because my son was deceased I had to send them my authorization to use it. No problem. I sent them the court docs ( along with my ID ) which gave me the authority to act as XXXX Representative for my son 's estate. They told me it would be XXXX - XXXX weeks before they reactivated the card. 
XX/XX/XXXX : They could not find my file but when they did they told me it would be XXXX XXXX XXXX days and I would receive an email saying everything was clear XX/XX/XXXX : They told me it would be XXXX XXXX XXXX days and I would hear. They also told me to email customer service at XXXX XXXX and they would take care of it. 
XX/XX/XXXX : I emailed XXXX XXXX with no response XXXX : XXXX I emailed XXXX XXXX with no response Case # XXXX Last XXXX or the Gift Card : XXXX Exp. XX/XX/27 XX/XX/XXXX : No response from anyone I will call them again today. I do not anticipate any results. I am tired of the run-around. 
XX/XX/XXXX : Now they say they do not have any of the required information and I need to start over. Here is what I received : ( which was done and verified as complete in XXXX ) To continue with the process we recommend to mail the next information at Customer Service XXXX. XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

- XXXX XXXX indicating the caller 's relationship to the deceased cardholder and why they are requesting the refund check - An original certified copy of the death certificate of the registered cardholder - A certified copy of letters testamentary or power of attorney, indicating the person is authorized to act on behalf of the estate of the deceased cardholder

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
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: Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint:
I Made a purchase with my citi bank expedia card. I made the Purchase on XX/XX/XXXX and was suppose to recive my order within a week. I did not receive my order or tracking and when I try to visit the website I ordered from I cant find it anymore. they never sent me an email confirmation of my order, receipt or tracking. it has now been over a month. Citi just resolved in favor of the merchant and still I cant be provided with a tracking number for my order or has the merchant tried to reach me. 

amount {$1000.00} citi case id Case ID : 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 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint:
On  XXXX  we tried to get a modification of our mortgage loan but we did not get it ; therefore, we decided to ask for a Short Sale approval. We got the approval from CHASE ( they had purchased the original lender ) on  XXXX   XXXX , and the whole short sale process was finished by  XXXX   XXXX .     Almost 3 months later, on  XXXX   XXXX , we received a letter from  Chase announcing again we did not qualified for modification and asking to take one of the options they explained to avoid foreclosure. Obviously, we did not pay attention since we supposed that eventually someone in CHASE would realize of their mistake.  Unfortunately for us, it seems it was not the case, and a negative entry in our  XXXX  and  XXXX  reports says " Account paid after foreclosure started ''.     I have filed this dispute to  XXXX  three times. The first time on  XXXX   XXXX   XXXX , the only thing we got was a  XXXX  points reduction in my score. Second time, on  XXXX ,   XXXX   did nothing. On  XXXX   XXXX  this year, we filed again a new dispute and sent proofs : Approval from  CHASE (   XXXX   XXXX   ) , HUD Deed  (   XXXX   XXXX  ), Mortgage Release (  XXXX   XXXX   )  and the inconsistent letter announcing a future Foreclosure dated  XXXX   XXXX   XXXX . At the same time I faxed all these documents to CHASE.     Today I got an alert from   XXXX   and the false statement is still there. I called   XXXX    and despite the fact of being their customer for many years, and even being totally aware of this false statement because the letter announcing foreclosure was produced and sent  THREE M ONTHS AFTER we had settled, they said they can do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint:
Received a collection letter in the mail from Debt Recovery Solutions , LLC ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ) dated XX/XX/2023. After receiving the letter on XX/XX/XXXX, In the letter, it stated a due date of XX/XX/2023 PLUS A DISCOUNT OFFER to settle the debt. ( See attached document ) I filed a report on their website on XX/XX/2023, stating that the loan in question was not mine and had been taken out using my XXXX identity information. The address used and bank deposited to were both in Utah. The loan originator had already determined the debt was not mine through documents submitted three or four years ago. I was never contacted again by the originator, XXXX XXXX XXXX nor current creditor, XXXX XXXX, XXXX, before DRS sent the debt collection letter last week. 

I received a response from XXXX XXXX, XXXX, Vice President of Client Services for DRS on via email on XX/XX/2023, stating " We are in receipt of your email. We will request supporting documentation to be sent to you for your review. '' ( see screenshot attached ) Today, XX/XX/2023, DRS submitted notice of collection to the major credit bureaus. DRS and I were working through a good-faith dispute that certainly had no time to be resolved and they should not have reported this collection. 

I am confident that the original documents will prove that the debt was taken out without my knowledge by parties unknown to me. The bad-faith tactics employed by DRS should not be legal and collection removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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: MN

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX Account name # XXXX Account name # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX 15 U.S.C 1681 section 602 A. States I have a 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 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 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 2021-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint:
I am a victim of identify theft the accounts listed in this doc and the doc attached have been furnished without my consent or my authorization. This has been damaging to my reputation as a consumer and violation of my right to privacy as a consumer.

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 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report
Company: CITIBANK, N.A.
State: CA

Complaint:
I obtained a credit card with Macys ( card issued with Department Stores National Bank ) since 2003. I have used the card and paid it back throughout the 17 years. During this time, I noticed they have never reported the credit card on any of the 3 credit bureaus. I have contacted several times throughout these years. Each time they ask me to send a letter with my name, account number, full social, explaining the issue. I follow their steps and they dont resolve the issue. I did receive a letter 1 of those times saying it was resolved. Two weeks ago I checked and the card was not reporting. I contacted all 3 credit bureaus, and they confirmed it has never reported. I contacted macys again and once again they asked me to send them the letter with the same information. I did, and now they are giving me issues and do not resolve the problem. After 17 years, and several attempts from me to get this resolved, it still has not.

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 2022-02-20
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: AES/PHEAA
State: PA

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL
Tags: Servicemember

Complaint:
This is the second complaint that I. am writing to the CFPB in regards to this issue of fraud that occurred while I was in the XXXX XXXX for the month of XXXX and XXXX XXXX. I ask Chime for proof of my signature and a copy of my passport and they have not given me these proofs that show that I made any transactions in that country. I need actual receipts and a signature and a copy of my passport showing the validity of these fraudulent charges. 

I want for CFPB to publish this everywhere so everyone can see how awful, unjust and crooked is chime. They are the worst of the worst and I want to start a class action suit.

Company response to consumer: Closed with explanation