hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2018-02-13
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: NC
Tags: Servicemember

Complaint:
Several years ago I spoke with a representative of XXXX XXXX XXXX. I told them that I had sold the business and the new tenant took on the responsibility of the utilities. I have a copy my credit report showing that they are still reporting me as responsible. I also have a copy of the Assignment and Assumption of Lease Agreement that specifically addresses the utility bill issue. I can upload them for your review.

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 2020-07-20
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: Problem with personal statement of dispute
Company: EQUIFAX, INC.

Complaint:
With Respect, I am XXXX XXXX from XXXX XXXX. Today I have received my credit score report from Equifax. But as per credit score score report my total outstanding amount Rs. XXXX But as per my credit card statement it show Rs. XXXX You can see on attached file. 
As per practice of credit bureau they does not update individual credit score on monthly basis. 
Request you to take action on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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: NY

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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Product: Debt collection 
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt
Company: World Acceptance Corporation
State: MO

Complaint:
Under the UCC, I have a right to request accounting. Please provide the original ledger and/or authenticated record for this alleged debt. Please provide the accounting or proof that you lent me anything. UCC 9-102 ( 7 ) states Authenticate '' means : ( A ) to sign ; or ( B ) with present intent to adopt or accept a record, to attach to or logically associate with the record an electronic sound, symbol, or process. UCC 9-102 ( 70 ) states Record '', except as used in " for record '', " of record '', " record or legal title '', and " record owner '', means information that is inscribed on a tangible medium or which is stored in an electronic or other medium and is retrievable in perceivable form. You are required to send all documentary evidence. 15 USC 44 Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. 

Please provide verification of the claim against me. This means a sworn affidavit or a hand signed invoice in accordance with the UCC.

This debt is listed as a charge off on my consumer report. Please provide a 1099c for this alleged debt. The IRS says that charged off debt is ordinary reportable income to the alleged debtor. If you refuse to do this, I will file a 1099c complaint which would then initiate them to file a form 4681 as well as a 3949-A Corporate Tax Fraud complaint and contact you. Charge offs are not debt.

You have also used my consumer report as a form of punishment and bringing harm to me by reporting this fraudulent account on my consumer report. That is aggravated identity theft. 18 USC 894 ( a ) ( 1 ) and 18 USC 894 ( a ) ( 2 ) states : Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

I have sent you a cease and desist letter as well. You continue to violate that federal law as well. You are still communicating indirectly through my consumer report. According to 15 USC 1692c you are prohibited from communicating with me.

Please know that I have every intent to file suit if this is not resolved within 15 days. You have repeatedly violated my consumer rights. There is no law stating I have to send you a police report signed by a notary. Again, I will not hesitate to file a suit if you continue to break Federal Law and violate my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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: 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 USC 1681. 


Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
I have two unfamiliar items on my credit report. After speaking with TransUnion they advised me that I could place a security fraud alert on my credit report and also file an identity theft report. I mailed the information in XX/XX/XXXX and was told that it was not received so I called and was advised by a supervisor to fax my request over. I faxed my information on XX/XX/XXXX and I called after business days to confirm that my fax was received. However, TransUnions has still failed to removed these 2 items from my credit report per the fair credit report act section 605B.

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 2022-06-16
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: EQUIFAX, INC.
State: FL

Complaint:
I've contacted Equifax to let them know that one on my account are not showing accurate information I let them know that it should not be showing a late payment. The creditor sent them information to have it removed and they still haven't removed or updated the information Equifax states they are not receiving documents even thorough it was sent out twice Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
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: NC
Tags: Servicemember

Complaint:
On XX/XX/XXXX I pulled an Experian credit report. I found XXXX credit files for car loans on the file from XXXX. I called on the XXXX th of XXXX for explanation as I had only requested XXXX auto loans. The first was opened on XX/XX/XXXX for a XXXX XXXX. This loan was then closed and reported as requested by me. I asked for paperwork that I requested this closure which I did not. The second loan opened on XX/XX/XXXX for the same XXXX XXXX. I have no knowledge of this loan and never requested and such loan. I got no response from XXXX on the phone inquiry. I then sent a certified letter on XX/XX/XXXX to the address supplied by Experian. I recieved this letter back from the postal service on XX/XX/XXXX as undeliverable. I wish the XXXX loans removed from my credit report on all credit services as XXXX has violated the fair credit reporting act and possible forgery of banking documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Product: Debt collection 
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language
Company: GMA Investments, LLC
State: WA

Complaint:
Received a voicemail to call XXXX to verify some information and claimed they have left numberous voicemails in the past. When I called back a woman answered and told me I owed {$91.00} for payday loan they say I took out and when could I pay it. I advised I could n't make payment now and wanted more info but I could n't understand what she said so she transferred me to another woman. This woman yelled at me refused to give me more info regarding the original creditor and said a very rude comment a long the lines that its not a huge debt and should be more than able to afford it. She said they would let the creditor know I 'm refusing to pay. I told her I was n't refusing but needed more information. I asked her not to yell at me and I was trying to get more information she kept yelling than hung up on me. When I called back I was hung up two more times. I finally got through and spoke to a man who was a little more helpful and provided more information. He said they obtained the file in XXXX/17 but they did n't purchase it. He gave me the address of the creditor and name. He also said they are n't in business anymore. If they did n't purchase the debt than they are n't who I need to deal with. So I thanked him and ended the call.

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: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : TRANSUNION COLLECTION : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Balance {$630.00} XXXX XXXX XXXX Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$4000.00} INQUIRY : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance {$630.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$4000.00} INQUIRIES : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$630.00} XXXX XXXX XXXX Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$4000.00} INQUIRY : XXXX XX/XX/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 2022-05-05
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: Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint:
I wrote a letter to all the CRA 's : Experian, XXXX, and XXXX on XX/XX/XXXX and they have failed to get back in response to the letter. The account XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$9800.00} referenced above that is being listed on my credit report by XXXX XXXX XXXX This account has not been properly verified and as you know failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Also, the are in violation 15 USC 1681s-2 for failing input a notice of dispute that this account was being disputing. 

Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. 

This is deceptive, fraud, false and misleading and many other things. Please, we have to hold this CRA 's accountable because they are taking advantage us as consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Product: Student loan 
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options
Company: WELLS FARGO & COMPANY
State: TN

Complaint:
My loan was suppose to stay in deferment until I graduated from my current program and then payments were suppose to start six months after graduation. I completed my program XX/XX/2016. on XXXX XXXX, 2016 I received a letter dated XXXX XXXX, 2016 from Wells Fargo stating that my XXXX loan is now in default and is due in full immediately. When I called them they told me that there was no way they could reverse anything and they would like me to allow them access to my checking account so that they can charge me {$310.00} a month on automatic withdraws. If I had known that the loan payments were required I could have made arrangements to pay them without the account going into default and now my options are limited. As a new graduate I am still trying to make my way and earn funds necessary to pay off the loans I have.

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: 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: IN

Complaint:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint:
In an ongoing effect of being a loyal customer to JPMCB Card Services that closed my account without proper proof, inaccurate information and do to discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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: EQUIFAX, INC.
State: TX

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 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 2018-02-20
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: NM

Complaint:
XXXX, Experian and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

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 2018-07-22
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: Bread Financial Holdings, Inc.
State: VA
Tags: Older American, Servicemember

Complaint:
Sent pay off check they cashed the denies receiving it I sent a copy of proof they cashed the check and they are still play games with my money and maintain their denier they never cash the check, or give me credit and send my refund

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan
Company: AES/PHEAA
State: OH
Tags: Servicemember

Complaint:
my husband and I have a pa aes student loan we are paying on we signed a agreement in 2013 we also gave permission to to a automatic debit weekly of XXXX dollars we have not missed a payment since we started this they told us 10 payments and we would be out of default I became XXXX and they told me that I needed to fill out paperwork to have the l oans dismissed nlet told me aes has me stil in default I told them no I have not missed a payment since we made payment arrangements and so far I have paid back XXXX since I started paying. I contacted them and they told me that I did not sign the paperwork I told them if I did not sign everything you would not be able to take the paments out why am I in default he told me that I had to start paying them XXXX weekly and when I started paying that and sign new paperwork I would be out of default and they will take all the payments I made and apply it to the loan but in the mean time since they have not taken the money I sent them and put it on the loan al this intrest has build up on it. com on what kind of scam are they trying to putl on me even thought I have been paying faitfully and they had me sign paperwork for automatic deduction and even thought they accepted al lthe money I sent and kept it in ther eaccount and never applied it to minehow do they get away with ripping people off like this its bad enough that my husband has to pay XXXX to a trade school he never hardly went to because he hwas mental at the time and they kept letting him take out student loans knowing he was in no condition to go to school let alone a trade school please can someone help us we have no more money to dish out and they are killing us financially

Company response to consumer: Closed with explanation