hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2023-07-08
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: EQUIFAX, INC.
State: MI

Complaint:
On XX/XX/2023 I file a dispute with XXXX Equifax and XXXX my name and address and phone number is incorrect I have multiple accounts with incorrect information. 
I have paid in full balances that are reflecting as negative status on my reports I have incorrect balances that are being reported XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04
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: AMERICAN EXPRESS COMPANY
State: PA

Complaint:
Somehow, American Express obtained my cell number in an attempt to get a message to and obtain information to reach my brother ; which neither my brother nor I had given them said number ; nor has there been any connection with said telephone number credit or financial histories. I called them to tell them to stop ; and I have told them we have given him the message ; ; but they couldn't do anything because I don't have my brothers account number with them, or his credit card number. I also have copies of several voice mails they have left ; that I can furnish you with, upon request. I have two numbers that are connected with this complaint ; which are ( XXXX ) XXXX and/or ( XXXX ) XXXX. My brothers name is XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint:
I consolidated all my loans, all my loans are under one but the credit company has reopen all my closed educational accounts and put them in collections. I have provide paperwork from XXXX XXXX as well as contacted XXXX XXXX. They are saying its the credit companies. I have shown that if they add up all educational accounts they XXXX up to the one consolidated account but they still have them open and in collections

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 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 an 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. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08
Product: Debt collection 
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: Army and Air Force Exchange Service
State: TX
Tags: Servicemember

Complaint:
Around XX/XX/XXXX I opened a credit account with the Army & Force Exchange Service ( XXXX XXXX XXXX ). The account was initially in good standing but was eventually charged off. Of course I was aware of the debt but was unable to pay due to my financial circumstances. I never received any debt collection notices from AAFES. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX veteran and I receive benefits from the VA and social security benefits. When I began receiving social security XXXX benefits in XX/XX/XXXX, AAFES began garnishing {$140.00} a month from my pay and never sent me any notice or statement. I had to contact them to receive a statement. Since XX/XX/XXXX, I have not received any correspondence from AAFES. According to the only statement I received my initial balance was {$2700.00}. Between the date of the initial balance and XX/XX/XXXX AAFES has charged me close to {$3300.00} in interest charges. 
I contacted AAFES to attempt to settle this account on XX/XX/XXXX and was told by the representative to email back on XX/XX/XXXX to see what can be offered. I explained the desperate situation I was in with my family and finances and that it was urgent that this account be settled. I waited as instructed and then was told by the initial representative and a member of management that they will not offer a settlement on my account because they are receiving treasury offset payments ( that guarantees collection of the total balance ). As stated previously, I am a XXXX veteran on a fixed income and the unfair collection of this debt is creating a hardship on me and my family. It is also absurd to be collecting over {$3000.00} interest charges which will continue to accrue while collecting my treasury payments. I made several attempts to contact this company and they refused any resolution.

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 2018-12-08
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: ID Analytics, Inc.
State: FL

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction.Under the Fair Report Act, you are required to comply. My address should be listed as XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX. The following addresses are not mines please delete or remove them from my credit report they are inaccurate as reported : XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I am a victim of ID Theft I have accounts from credit card companies that I do not recognize showing on my credit report. I currently live in XXXX  and I was in the process of moving to XXXX from XXXX XXXX  and I believe I have been compromised.

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 2021-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
Please help me and resolve my difficult situation. Surprisingly I have items that are not mine. I am victim of identity theft and someone just used my personal information. I do not know what to do now ... there are few of them and they just killed my score completely. Please I m asking you to investigate- this is nonsense! Please remove these items ASAP

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 2023-04-17
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: EQUIFAX, INC.
State: FL

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX 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 2021-04-02
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: MA

Complaint:
Experian, continue to report inaccurate information on my XXXX XXXX account ending inXXXX for the month of XXXX, 2018. I have provided Experian proof with a copy of a letter from XXXX XXXX multiple times stating that they will contact the credit bureau and have this inaccurate and subterfuge information for XXXX, 2018 delete. Experian is in violating of the Fair Credit Reporting Act because they continue to report inaccurate information after they have been provided information directly from the credit to remove this inaccurate information for XXXX, 2018. CFPB please have Experian uphold the law. Also hold Experian accountable for the violations they continue to comment with this dispute and compensate me for Experian damaging my credit worthiness by reporting this subterfuge information on my XXXX XXXX account. 

CFPB I have attached a copy of the letter As proof I received from XXXXXXXX XXXX requesting the credit bureau to delete this inaccurate and subterfuge information for 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 2018-04-09
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: NY

Complaint:
Few Months ago I moved into a new home and I Updated my mailing address with every one, on XX/XX/2018 around XXXX XXXX I received a call I have a past due account on XXXX XXXX which I do not use that often I did explain I just moved to a new address and I never received a bill or statement from XXXX I provided them with my address I asked for a copy of the statement to be mailed to me I asked not to put me on paperless statement. 
I thought the problem was taking care off. 
till my wife found out they are reporting her being late on the payment for more than 60 days and they are reporting me as well. 
we contacted them we asked them to remove the wrong false information about my wife as she is not the owner of this card she did not use it and the charges do not belong to her they decline our request they inform us they are allowed by law to do that but they did not share which law they are talking about. 
I explained to them it seems as they did not send the statement to me I explained to them that they contacted me on XX/XX/2018 I paid over the phone to make the account current and I was waiting for the hard copy statement to check the charges i questioned them why they collected payment from me and reported me the same day me and my wife. they said because maybe the payment took more time to post to the account!!! 
I paid them over the phone so the account could become current and I avoid any late charges or any problems but they still reported me late on payment which reduced my credit score more than 40 points and that will cause me and my business too much harm. they refused to remove the wrong reported information, I paid the account in full over the phone I closed it and I asked them to remove negative information about me and my wife they declined our request.

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 2019-01-07
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA
Tags: Servicemember

Complaint:
XXXX XXXX  has charged me over half of my {$300.00} credit limit in fees. These fees are late charges incurred after paying my bill but XXXX  XXXX  failing to constitute the payments as such and have marked the payments only as credits. After multiple diaputes XXXX  XXXX responded by adding an additional charge, bring the total amount of fees to {$170.00}. The rest of the {$130.00} credit limit is in interest only and from no charges of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Product: Debt collection 
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: National Enterprise Systems, Inc.
State: FL

Complaint:
I have written this company a second letter asking them to verify the original agreement and prove that I owe the debt, They have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
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: FL

Complaint:
EXPERIAN HAS INFO ON MY CREDIT REPORT THAT IS INACCURATE. 

NOT MINE : XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-04-28
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: AL

Complaint:
Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 168li ( a ) ( Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me?

I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

I demand the following accounts be verified or removed immediately. 

XXXX Account # XXXX Validate Account *XXXX  Account # XXXX Validate account I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
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: OH

Complaint:
I have an account showing on my credit report that I never owed a debt to adn it was never in collections from SOC SEC ADMIN OFFICE XXXX. I need this error corrected at once. I am in the middle of closing on a new business contract for my XXXX XXXX company and this inaccurate account item is stoping my from doing business.

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 2022-07-17
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: AL

Complaint:
In accordance with the fair credit reporter act XXXX  XXXX XXXX  and XXXX XXXX has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2 a consumer reporting agency can not furnish your account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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: Navient Solutions, LLC.
State: FL

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It as been well over 30 Days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint:
On Sunday the XX/XX/XXXX I used the drive thru ATM. The ATM took the money and gave out an error receipt saying to call customer service. I called customer service and was informed that the ATM ate the deposit and they woulf have to do an investigation while they would credit me for at least {$760.00} to my account while they investigated and the credit would be in by the next business day. They said the investigation would take about 15 days. Monday afternoon i still didnt have a credit and called there claims department and was informed that it would be in there by the end of the day. Tuesday night I had no credit and when I called the claims department was informed there would be no credit and just the funds till at the end of the 15 day investigation. For the last week I have been in the branch speaking to the branch manger and calls to the customer service line. I have emailed them within the bank website and still do not have any answers or help from anyone working for the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-11
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: Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint:
I sent a dispute letter to Experian on XX/XX/2018. USPS certified receipt shows Experian received my dispute. I disputed the accuracy and the verification of the account. The disputed account had an incorrect date opened. No account number. Inaccurate first date opened. Not only did Experian fail to delete the disputed account due to these errors, they also failed to properly validate the account per the Fair Credit Reporting Act, 15 U.S.C. 1681. The dispute was simply " rubber stamped '' verified. This Blatant violation of the law will result in seeking legal action.bought on by me if this can not be rectified.

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 2020-08-12
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: SYNCHRONY FINANCIAL
State: OH
Tags: Servicemember

Complaint:
I saw a hard inquiry on my credit report from tj maxx/ syncb and Ive never applied for a credit card with this company

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