hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2021-08-11
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: EQUIFAX, INC.
State: CT

Complaint:
- The FTC site says that I can go to XXXX to download my credit reports from Equifax, XXXX, and XXXX. I did that for all 3 agencies.

- There was incorrect information on all 3 reports. I called up each agency and they told me that they have different information and that XXXX does not have the latest credit reports. The wrong information on the reports from XXXX has been on those reports for years. 
- I do not want to have to create an account with these 3 agencies just to download my credit reports, but all 3 told me that I have to do that to get the reports with the real and accurate information. I understood that by law I should be able to download my credit reports.

- I also don't want to spend hours calling the 3 agencies to get my credit report.

- In addition, I don't know which version of my credit reports are being communicated to those that are checking my credit. There should only be one official version of my credit report not multiple versions. How do I know that companies are getting the right version of my credit report if there are multiple versions on the agency 's sites vs. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint:
On XX/XX/XXXXnoticed inaccurate, unverified data reporting. Disputed items and collection agency has not provided any debt validation or notice to dispute under fdcpa or FCRA sec 609. FCRA sec 609 requires collection agencies to validate debt upon request with contract bearing signature and proof of all data reporting.

Credt Bureaus are knowingly reporting inaccurate unverified data based personal infomation, thisis not proper validation.

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 2023-03-13
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: Bread Financial Holdings, Inc.
State: VA

Complaint:
I have tried to get a credit card that was opened in my name using my information and I have indicated I did not open or apply for any lines of credit. However, after disputing with the credit agencies they have indicated the information is accurate. Well it's accurate if someone has stolen my identity. I'm trying to get this removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a 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: FL

Complaint:
The unverified account indicated below continues reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX : {$2400.00}.

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 2023-08-07
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: Amsher Collection Services, Inc.
State: OH

Complaint:
This agency is in violation of 15 U.S.C.

1692g. They were to notify me of this in writing 14 days prior I was not. I can validate this debt. I do not validate this debt.

Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Product: Debt collection 
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: TX

Complaint:
I was called frequently and when trying to get clarification on the issue, I was verbally abused and told to provide information in places that were not safe. When I tried to tell them would review when I got home I was yelled at and told to provide my credit to them over the phone even though they knew I was in a public place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
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: CITIBANK, N.A.
State: NY

Complaint:
I was late on my credit card payment ( {$60.00} ) FIRST time and for a two days only. I explained the representative that I missed the payment due not feeling well. The Representative was not willing to help me and remove the late fee ( {$25.00} ) despite frustration and pain caused by coronavirus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: 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: FL

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9400.00} ; XXXXDEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$3600.00} ; XXXX/DEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$6600.00} ; XXXX/DEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$1000.00}.

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 2020-11-04
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint:
In XXXX I submitted a complaint against the company for still reporting and attempting to collect in this Debt for acct # XXXX. I asked they remove the account from my credit report based the MultiState Settlement Agreement that was finalized in XXXX. The State of Florida was awarded XXXX for unfair lending practices. I contacted Santander 3 times in XXXX and was referred to the Special Accounts department. Per a woman named XXXX. She was not aware of this Settlement. On the Settlement agreement website it list XXXX XXXX as the administrator. I contacted XXXX XXXX and was advised to wait for a postcard if I was to be included in the settlement. Santander was lending based on an Internal scoring according to the lawsuit. If I was a recipient then I would receive a postcard. I have received my postcard stating that I will be awarded restitution. I called Santander as advised once I received my letter or postcard and the special department would request that the trade line be removed from all of my credit reports. I have been wronged by Santander Consumer USA for far too long. Please do your part and remove these negative entries from my credit report forthwith! I have suffered enough from your unlawful handling of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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: PA

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-07-14
Product: Debt collection 
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property
Company: ALLY FINANCIAL INC.
State: OH

Complaint:
Company filed a lien against my proper past the statue of limitations and did not provide documentation or allow time for a disputed reply to judgement demand. Lien needs to be removed immediately. I am being harassed by 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
Consumer complaint received 2022-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12
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: Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NM

Complaint:
On XX/XX/2019 I submitted a dispute letter with in account with XXXX XXXX but it came back verified. The reason of my dispute is to challenge this erroneous outcome by demanding under section 611 of the FCRA for them to provide me with the method of verification or deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Date XXXX inquiry : XX/XX/2022 ), and ( INFORMATIVE : Date of inquiry : XX/XX/2022 ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 non-monetary relief
Consumer complaint received 2020-02-26
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: EQUIFAX, INC.
State: CA

Complaint:
I was notified of a inquiry on my equifax credit report from my credit monitoring company and immediately called to notify it was unauthorized without my consent, after doing so my 3 reports were placed on fraud alert. I was given the number, called in then transferred to a Equifax agent who initiated the investigation and told me to call back after 90 days. I did so XX/XX/2020 only to find that there was nothing done on their behalf by way of investigation or acknowledgement of the erroneous processing of my original dispute request. I was now told that I had to contact the FTC and Police to have the unauthorized inquiry removed from my equifax account, which I'm doing by writing this correspondence. PLEASE HELP ... EQUIFAX IS HORRIBLE WITH CUSTOMER SERVICE AND SERVICE HOSPITALITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: FL

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
I'm not persuaded that you have accordingly fulfilled the principles of the Fair Credit Reporting Act in performing your examination. My research has shown me that below Section 1681 ( g ) it is essential to generate me along with an explanation in the process designed to authenticate that this account is at collections and write me the name and addresses of persons contacted per rules found in the FCRA.

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 2017-06-23
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint:
My bank has n't responded to XXXX in reporting my savings account balance so that they can activate my account. My account is currently pending and they need a response from my banking institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
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: EQUIFAX, INC.
State: TX

Complaint:
I have contacted the company on several occasions and platforms to get the credit inquiries removed due to unauthorized. I also sent in the police report showing them that my wallet with social security card and driver license was stolen. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20
Product: Debt collection 
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt
Company: R & B Corporation of Virginia
State: VA

Complaint:
Credit Control Corporation purchased my debt from XXXX XXXX XXXX for {$2700.00}. Credit Control corporation additionally placed a collection on my consumer report without permissible purpose or consent. Credit Control Corporation also obtained my medical records and social security number without my consent or permission. Credit Control Corporation continues to harass my self, friends, and family members weekly via phone calls. 

Credit Control Corporation is in violation of the following Federal Laws : 15 USC 1681 - Right to Privacy 15 USC 1681d - Disclosure of Investigative Consumer Report 15 USC 1692 - Any Debt collector Shall not state that an Consumer owes any debt EACH VIOLATION IS {$1000.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
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: GA

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$160.00} XXXX  XXXX {$64.00} XXXX  XXXX {$590.00} XXXX  XXXX {$340.00} XXXX   XXXX {$1200.00}

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 2018-06-01
Product: Checking or savings account 
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint:
From XX/XX/XXXX through XX/XX/XXXX Chase Bank has charged me insufficient funds fees nine times ( 9 ) times at {$34.00} for each insufficient fee. I have communicated with Chase bank asking them why they keep debiting the account when they know that there are insufficient funds in the account to cover any transactions as the account was already negative. Their response is usually incoherent or something to the effect like that is the Bank 's policy. The resulting effect is that within less than two weeks I incurred fees totaling more than {$300.00} from Chase. 
I have expressed to the bank that their system of imposing insufficient fees is oppressive to a small business owner like myself because the Bank clearly has a profit motive in paying for electronic debits to the account, even when it has been apparent for many days, that the account lack sufficient funds to cover these transactions. Furthermore CHASE is also being exploitative to consumer when it's policy is to pay for the largest debit transactions first, and not transactions that are first in time. Their system guarantees insufficient fees will be imposed for more transactions and even for the smallest transactions. Sometimes I am even required to pay {$34.00} for debit transactions that are as small as {$5.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-07
Product: Student loan 
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled
Company: United Student Aid (USA) Funds
State: NV

Complaint:
United Student Aide Funds started garnishing my XXXX   benefits for {$150.00} on XX/XX/18, and again on XX/XX/18, with  out warning me. I have spoken to the US Dept of Ed and was told that my loans were suspended because I am XXXX XXXX. I have started a repayment with United Student Aide Funds, but I am concerned that they will garnish me next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Product: Debt collection 
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint:
A credit card was fraudulently opened in my name around XX/XX/2016 and charged up to XXXX. I was not made aware until I checked my XXXX credit report due to the credit breach. I notified the current account owner CAPITAL ONE BANK N.A. who received my police report and agreed to delete the account from my credit profiles. The account was later sold to XXXX XXXX XXXX, XXXX who then began re-reporting the account. I have been harassed for over two years by this company who keeps giving me conflicting information. Due to my information being apart of the data breach XXXX  has recently removed the collection but XXXX XXXX is still reporting to the other bureaus and refuse to remove all account history no matter what. I would like this to be resolved before I am forced to proceed with legal action due to the negative affect this has caused in my home purchasing process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
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: NE

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation