hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2020-08-11
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: Experian Information Solutions Inc.
State: IL
Tags: Servicemember

Complaint:
I am trying to refinance my house. I have a credit freeze. Experian has inaccurate information about me ; I believe it may be they are using a previous address as my current one. This happened before and I submitted documentation to get corrected. Now years later I am still having problems. I have tried to call, but get caught in a computer circle from XXXX and can not reach a live person to understand how to get this corrected. THEY XXXX IT UP AND NOW I CAN NOT GET MY HOUSE REFINANCED. I can not get it corrected because I have no idea what is wrong. I have requested a credit report, but again, when I fill out the form it doesn't match their incorrect info and I can not get a copy -- - I DONT KNOW WHAT 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 2020-12-17
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: ALLY FINANCIAL INC.
State: CA

Complaint:
I contacted Ally Financial to try to get more information as to why I was reported late XX/XX/2017 and XX/XX/2017 and they couldn't locate my account with my social, account number or address. I requested payment history which I haven't received and I disputed these lates. According to the rep she was able to request the dispute and payment history but coulnd't locate my account which makes no sense at all. I have been very responsible paying this account as well as all of my other accounts and these lates are reporting incorrectly, they're unverified and they are ruinning my credit. I am trying to refinance my home to get an affordable payment in this pandemic and these lates are preventing me from saving my home. This is against FCRA laws and against my consumer rights.

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 2023-03-20
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: AZ

Complaint:
In accordance with the Fair Credit Reporting act. The listed account below has violated my federally protected consumer rights and confidentiality under 15 USC 1681. This account below has fallen off twice due to the statute of limitations being this account is more than XXXX years old. Arizonas statute of limitations for debt is only XXXX years. The credit bureaus has allowed the collection agency to refurnish this account twice back to my credit report. This is a direct violation of my consumer reporting rights along with multiple other violations pursuant to 15 USC 1681. I demand this account be removed and deleted from my credit report immediately. 

Account name : XXXX XXXX XXXX Account number : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

CREDITOR BUSINESS TYPE INQUIRY DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-14
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: IL

Complaint:
Company is reporting public records as " verified and accurate '' on my credit report saying they obtained information and records were verified by a third party company " XXXX '' as of XX/XX/2021 but XXXX sent a letter of not being able to vwrify these records as of XX/XX/2021 these records have been deleted from my XXXX report. so your company is completely lieing about the information being verified and accuratre according to XXXX! The letter from XXXX clearly says the bankrupticies have been removed from my report. I am demanding these records be removed from your company 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 2018-03-01
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: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint:
I've attempted multiple times since XX/XX/2017 to remove the remarks that my account for XXXX XXXX which has a credit limit of {$15000.00} is Closed. This account is open and active and I've disputed it multiple times. XXXX  and TransUnion have gone back and forth. I've received updated credit reports where it'll reflect that the problem has been fixed and the report will show the account is Open and on a following update, the account again gets placed on a Closed status. This is affecting my Length of Credit history as I've had both of these accounts for a long time.

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 2022-07-18
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: IN

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XX/XX/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

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 2023-05-18
Product: Checking or savings account 
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint:
On XX/XX/2023 at XXXX I received an email stating that my new account at Frost Bank was open. I did not and have never opened an account at Frost Bank. This is the second time it has been open. There was another account opened online at Frost bank on XX/XX/2023. They have been closed and reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card
Company: CVB FINANCIAL CORP.
Tags: Older American

Complaint:
I am a XXXX XXXX XXXXXXXX that has been living in the Philippines since 2006 and Citizens Business Bank knows this, and they have been sending me my ATM Card every 3 years so I can withdraw funds to live on, but recently they were very, very slow in renewing my ATM Card as it took 2 months to receive. During the first 3 calls to XXXX XXXX  I was told the card had been sent but on the 4th call I was told they would NOT be sending a ATM Card after all. I was furious as I was LIED to and we were/are desperately in need of funds for food and to keep the lights on but XXXX did not and does not care!! I have been their customer for 34 years ( some of those years while the bank had another name ) and I was deeply hurt... more like crushed to be treated so unprofessionally. 
I finally received the ATM Card and called to activate same and was seemingly successful only to discover the ATM Card didn't work while attempting to use it on multiple occasions. 
I called the ATM / Debit Card Hotline for help and they could help me because they said my records where not " up to date. '' They wanted to send me a verification code to an old cellphone number that I no longer use. I was stuck and locked out AGAIN, so remain so to this very day. I suggested that they send to code to my e-mail address which they have on file and the one I use for verification and bank account login but they said it was the wrong e-mail address ... which is crazy because it's the same e-mail address that " again '' the send me regular emails too. 
Bottom line is we need funds and we need funds NOW!! XXXX is even blocking the use of my Online XXXX XXXX Account which I have used several times before due to the late arrival of previous ATM Cards. Thus, they have completely shut me down in every way ( at this time ) to access funds and they are heartless and don't care!! They have said they would snail mail me " checks '' so I could open a local bank account and deposit said check but that process will take about 2 months as there is a month hold on a foreign check here until it clears. This is a Total Nightmare and I need HELP Immediately!! Thanks in advance ... as I quote : XXXX, XXXX XXXX To : XXXX ' Cc : # XXXX Wed, XX/XX/XXXX at XXXX AM Good Afternoon XXXX XXXX It seems we will be able to send you checks the cost will be {$59.00} as the shipping is extra to go out of the country. Please confirm the mailing address. We currently show : XXXX XXXX XXXX XXXX XXXX XXXX Is this correct? 



XXXX XXXX is not an option with Citizens Business Bank. 



Thank you, XXXX XXXX | Service Support XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX P XXXX | F XXXX 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: Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. I need the following items removed from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX  XXXX Balance {$460.00} XXXX XXXX XXXXXXXX Balance {$7.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXXXXXX 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 2021-07-12
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: EQUIFAX, INC.
State: TX

Complaint:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report and to this day 35 days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 35 days so they should be deleted promptly. Pursuant to 15 USC 1681B ( 2 ) they didn't even have permissible purpose to furnish such information in first place. I NEVER GAVE THEM ANY WRITTEN CONSENT. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
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: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint:
I opened up a new account at Webster Bank and met the requirements to receive a XXXX prepaid XXXX debit card. I received the debit card in the mail but did not notice that it was valid for only 90 days and would expire at the end of XX/XX/2016. The card does have " good thru XX/XX/16 '' printed on it but I did n't notice that. I 'm not used to gift cards that expire that quickly. The paper that came with the card, which I will attach to this complaint, explains that the card needs to be activated but does not say anything about the card expiring, and then having no funds. Even the back side only states, " PLEASE use before valid thru date imprinted on the card. '' I think it 's unfair that the consequence of not using the card by XX/XX/XXXX was n't made clear on the paperwork that came with the card. If that had been clearly stated on the letter I would have known that I had to use the card within the 90 days or loose all the funds. 

I went into the Webster Bank at XXXX XXXX XXXX in XXXX several weeks ago. The manager was going to check about getting the card replaced. I never heard anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08
Product: Credit card 
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2018-10-08
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: EQUIFAX, INC.
State: FL
Tags: Older American

Complaint:
This is related to complaint XXXX. 
Outline of events : Nobody contacted me so I called this morning. 
I was transferred between the escalation team and XXXX XXXX but nobody did anything except : XXXX XXXX transfered me to supervisor XXXX who wanted to transfer me to XXXX XXXX. I told him I already went that rout and they could not help me. He transferred me anyway and hung up, and I never got to anyone. 
Called back, spoke with XXXX - to supervisor XXXX and to manager XXXX. Nobody was able to help me with anything. XXXX hung up on me after I insisted that this has to be fixed. 
Called back and spoke with XXXX who transferred me to XXXX. She informed me that a freeze was put on the account when the first Consumer complaint arrived. THIS WAS NOT AUTHORIZED ME BE AND IS FRAUDULENT BEHAVIOR ON THEIR PART. My complaint CLEARLY stated that I wanted to do this on self serve as I don't want to have to call in to freeze/unfreeze the account. XXXX refused to name the person who broke the law but the Conf # is XXXX. She unfroze it at my insistence on conf # XXXX since it was illegally frozen in lieu of actually fixing the problem. 
XXXX told me that this will probably never be fixed and that I will probably have to call in for freezes or unfreezes. This is not acceptable. 
On their website ( the one I can't log into ) there was a link that was to advise if your data was part of the most recent breach, and mine was. All the more reason why they MUST fix this account so that I can freeze my account. 
If I had my way this company should be out of business, and the people mentioned above should all be fired.

Company response to consumer: Closed with explanation