hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2023-07-06
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: LA
Tags: Servicemember

Complaint:
In XXXX, I discovered inaccuracies on my credit report provided by Equifax. The report listed several accounts that I never authorized and was unfamiliar with. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies such as Equifax have an obligation to provide accurate information and conduct thorough investigations when discrepancies are pointed out. 

Upon finding these inaccuracies, I promptly filed a complaint via the CFPB XXXX XXXX, demanding that Equifax investigate these accounts and provide proof of their veracity. In the same complaint, I cited 15 USC 1681-2, which explicitly states that an entity should not furnish inaccurate information to a consumer reporting agency. My intention was to resolve these inaccuracies swiftly, as they were affecting my credit score and could potentially lead to more significant financial issues. 

The disputed accounts included multiple XXXX XXXX  accounts ( with duplicate amounts ), a SABLE/CCB account and a XXXX XXXX XXXX account, amounting to tens of thousands of dollars. 

Equifax responded to my complaint by deleting two accounts from my credit file, which I appreciate. However, the remaining accounts were not addressed adequately. Equifax merely stated that these accounts have been " verified '' without providing any substantial evidence. Furthermore, they did not answer my question regarding their adherence to 15 USC 1681-2, leading me to believe that my rights under consumer law may have been violated.

As of today, Equifax has yet to show any proof from the debt collectors that verifies these disputed accounts. Neither have they shown any steps they took to ensure the accuracy of the information provided by these debt collectors. I find this lack of transparency concerning, especially given the potential impact on my credit score and financial stability.

I have reiterated my demands for these unauthorized accounts to be deleted from my credit file and for Equifax to provide clear, documented evidence for their verification. I also stated that if they fail to comply, I would seek legal recourse, including a small claims action against Equifax, for multiple violations including defamation of character, negligent enablement of identity fraud, and violations of the Fair Credit Reporting Act.

I now anxiously await a satisfactory response within 5 days, including a revised and accurate credit report. Furthermore, I have also provided a legible and valid proof of my current address, which was previously deemed illegible by Equifax.

Equifax 's improper use of my consumer report has caused significant distress and financial inconvenience. The Fair Credit Reporting Act was designed to protect consumers like me, and I expect Equifax to uphold its obligations under this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CA

Complaint:
On XX/XX/2019, a fraudulent withdrawal was made from my bank account through paypal. I immediately contacted Paypal and notified the company that this was fraud. I asked that they ( 1 ) return the fraudulently taken funds, ( 2 ) change my account from XXXX back to XXXX ( the hackers changed the language ), and ( 3 ) close my account. Paypal debited my bank account the {$1000.00} that was stolen. However, the company placed on my account a negative {$1000.00} charge. I repeatedly attempted to contact paypal and speak to a customer service representative, but could never speak to an actual person. I also attempted to send the company emails. No action was taken to help me. As far as I know, my account is still in XXXX and has not been cancelled. 

Now I am informed that Paypal has sent me to collections so that it can recover the {$1000.00} that appears negative on my account, although this was an action taken by Paypal in response to fraudulent charges that appeared on my account in XX/XX/2019. I have not been able to speak to a single person since this ordeal started months ago. And I should not be required to send money to Paypal that I do not owe. I also can not login to my account to contact the company that way. They have been imposible to communicate with and now they have sent me to collections because of the response they took to fraudulent activity on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Product: Debt collection 
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: CT
Tags: Older American

Complaint:
hello ordered an XXXX ring returned it 5 days after receiving it was going to use Affirm to pay for it they got reimbursed for the loan 3 weeks after i ordered it but day they didnt get enough says loan was for {$330.00} but XXXX gave them {$310.00} want me to pay the difference the ring price was {$290.00} with tax it was {$310.00} Affirm says its not interest but wont tell me WHY i should pay them {$18.00} returned ring 10 days after receipt they were paid by XXXX im not paying this extra charge if they do this to all customers they are taking LOTS of money off people for no reason! i DONT WANT tjis affecting my credit report and i DONT want them adding late payments ive tried to work this out they insist i give them {$18.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Product: Debt collection 
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt
Company: Global Financial Services Group
State: SC

Complaint:
On XX/XX/2020 I found out from the SCDOR  that about {$500.00} was seized from my taxes for medical debt. I did not receive any notification written or verbal that my medical debt was sold to this company. The employee over the phone told me that they had my address wrong, and that my phone blocks Robo Calls ( which is a service I very recently activated ). I was never made aware of this company, or that any money was owed to them and it should not have been taken from my tax return with any knowledge. Ive been making multiple monthly payments on my medical bills, and did not have any notification of a portion going to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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: CA

Complaint:
Company has reported XXXX XXXX on my credit. This was previously disputed in 2020 under a different company name XXXX XXXX XXXX. I sent in documentation at that time showing that the account was not mine and it was removed from my Credit account. XXXX XXXX is a different company but same amount ( XXXX XXXX XXXX XXXX ). I have shown documents showing deletion in 2020 under XXXX XXXX XXXX however, company is still reporting. As I have shown before ( 3 years ago ), although the company name has changed, the account was and is not mine and I am wishing to have it deleted from my 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 2023-07-20
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: AL

Complaint:
I am filing this dispute against TRANSUNION for unfair and inaccurate credit reporting for an unvalidated XXXX XXXX XXXX Credit Card Charge Off/Other Derogatory account with a balance of {$4200.00}. I have made several attempts to resolve the matter with All In XXXX and TRANSUNION. I have disputed this account without any action which is a violation of The Fair Credit Reporting Act. Charge Off definition based on XXXX : A charge-off is an entry on your credit report that indicates a creditor, after trying and failing to get you to make good on a debt, has given up hope of getting payment and closed your account. Per the comments reflecting on my credit report : Unpaid balance reported as a loss by credit grantor. I requested a 1099 from XXXX XXXXXXXX XXXX by certified mail and did not receive a response. I am disputing inaccurate and incorrect information on the account. The account is reporting as Charge Off but does not have any payment history reporting to support delinquency on credit report therefore payments made on time, late payments, and C/O status is unknown and can not be reported as Charged off as bad debt. This is inaccurate information and I demand the charge off to be deleted immediately from my credit report. The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. They need to be held of violation of the consumer 's law.

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 2023-01-24
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: MO

Complaint:
I am a confused consumer because I filed a dispute with the credit bureaus ( Equifax, XXXX, & XXXX ) and these 2 medical collections companies XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  because they are violating my consumer rights. I declare under penalty of perjury, my dispute is true and correct to the best of my knowledge. I am allowed by Federal and State Law to file this dispute and I also know and understand that knowing and willful misstatements or omissions of material facts constitutes a Federal Criminal Violation which is punishable under 18 U.S.C. 1001. Please be aware that these misstatements are punishable as perjury under 18 U.S.C 1621. All 12 of These alleged medical collection accounts are in violation 15 U.S.C 1692g because I was never notified about this account within 14 days of communication and other violations thats included but not limited to the sharing of Medical Information. The violations are 15 US Code 1681b ( 4 ) Limitation on re-disclosure of medical information Any, 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information, and 42 U.S. Code 1320d6 - Wrongful disclosure of individually identifiable health information. Also, they have yet to send me any documentation about the alleged 12 medical collections and I was sent any proof of the method of verification by the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
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: TRANSWORLD SYSTEMS INC
State: TX

Complaint:
609a1a of the fair credit reporting act XXXX or Transworld systems nether one of them was able to properly verify the collection account but will not remove it from my credit file. the law is very clear. i have therr letters and there respond saying it is verifed but never showed me no original documents. witch the law states that they have to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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: VA

Complaint:
I have XXXX XXXX credit card, issued by XXXX Bank. However, the same account is showing up twice on my credit report, effecting my overall utilization. I reached out to XXXX customer service, but they said, they can not correct the error that I need to dispute it.

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 2023-04-20
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:
I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXX Balance : {$56000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
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:
im victime of equifax data lick my personal information was exposed and i have star reciving a lot of hard iquares in my credit and some credits aproved, i have informed to the financial intitucion the open acount for fraud has been closed but after a couple of disputes but equifax havent delet the fraudelant activity, for this reazon i file this complain to get fair action and have my credit report recovered from fraudeland activity, also i willbe paert of thge data lick settlement compensation for XXXX and time fixing my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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: NV

Complaint:
In accordance with the rules of the Fair Credit Reporting Act, I am filing this complaint to request that the listed account, which I believe is erroneous and incomplete, be investigated and updated on my credit file as soon as possible. 
XXXX XXXX XXXX : {$330.00}.

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 explanation
Consumer complaint received 2023-05-07
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: EQUIFAX, INC.
State: TX
Tags: Servicemember

Complaint:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX Dear Credit Bureaus : I am requesting XXXX inquiries are removed from my credit report : # XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Regarding XXXX ticket # XXXX : Addresses where I have lived : XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX NV XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Occupation : XXXX XXXX XXXX XXXX XXXX  My credit report must be accurate because it has an impact on my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint:
I am writing to exercise my right to question the validity of the debt your agency claims I owe, according to the Fair Credit Reporting Act ( FCRA ). As stated in Section 609 of the FCRA, ( 2 ) ( E ) : A consumer required to remove inaccurate derogatory information from a consumers file that can not be verified. I would like to see a complete list of all documents and correspondence in regards to the below accounts. Please include all names and contact information of employees that you spoke to at, as part of this investigation. As is my right, I am requesting verification of the following items : XXXX  XXXX XXXX   XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
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: Experian Information Solutions Inc.
State: CO

Complaint:
SOMEONE HAS OPEN SEVERAL ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND ID NUMBER XXXX DID NOT OPEN THESE ACCOUNTS THE ACCOUNTS ARE FRAUD AND I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-07-05
Product: Checking or savings account 
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint:
On XX/XX/23 at XXXX I received an email that a Citizens Access, Checking account was opened in my name at the Citizens Bank XXXX This account was opened without my knowledge and consent. An initial deposit of {$1.00} was made from account ending XXXX. After calling Citizens Bank, I was told that the account address is in Florida. I do not live in Florida. Citizens Bank has agreed to immediately close the account and report to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Product: Debt collection 
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint:
Have contact both party 's involved numerous times still no resolution. The problem is that it's a medical bill that was discharged in bankruptcy in XX/XX/2014. Appears on my XXXX credit report as in collections with Common wealth Financial ( XXXX XXXX ) Head supervisor XXXX extension XXXX. It has been dismissed through Common Wealth Financial I  currently have no open accounts with them. Bankruptcy was final in XX/XX/2014. XXXX will not remove it off of my credit report I have contacted them give them the number of the XXXX person in charge at Commonwealth where the he said he would talk to them personally and have them remove it they would not contact him. I've been dealing with this for two months now on my credit report I have called a gazillion times I have documentation of every time I have contacted both. The account is in the amount of {$250.00}. Bankruptcy was closed XX/XX/2014 I've given them both parties all the documentation Commonwealth has no open accounts. Supervisor that I contacted from XXXX was XXXX who would not take care of it he said it was out of his hands. At this point I have no idea what else to do where else to turn. Hopefully I can get some satisfaction through you.

Company response to consumer: Closed with explanation