hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2021-10-25
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: FL

Complaint:
If the account of XXXX XXXX XXXX  was closed in XX/XX/2019 how can you continue reporting charge offs after the account was closed thats inaccurate reporting requesting removal

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 2022-07-31
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: AR

Complaint:
I am a victim of identity theft and I have things on my credit report that is not correct and not mines. I have made a report. 
i sent in paperwork showing it was identity theft and no response or they tell me they never received the information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint:
In XXXX of XXXX, I was alerted with a collection notification so I immediately called XXXX XXXX XXXXo see what this unknown account was. After speaking to several representatives my questions wasnt answered because they were asking me for my personal information. I requested information about the account after I never received anything.I then emailed the companies CEO an he never responded back. At that point Im now devastated, because I was in the home buying process. That debt dropped my score XXXX plus points on Equifax and XXXX and XXXX plus points with XXXX. Now my next option was to dispute the unknown debt from my credit report with all 3 bureaus. I disputed the debt in XXXX by phone with a representative with all bureaus. After waiting a few days XXXX immediately deleted the item from my credit report. Finally I get an email from Equifax and XXXX stating it was accurate and verified. At this point I called them an asked how and who they verified it through, the representative said thats what the company said so I told her send me the information, but I never received anything. After waiting and waiting still nothing, on XX/XX/XXXX I decided to send Equifax and XXXX a certified method of verification letter. On XX/XX/XXXX I received a letter from Equifax dated XX/XX/XXXX stating they were unable to locate a credit file in their data base an was asking me to send in personal information. So to my knowledge if they cant locate my file how are they investigating unknown information on my report but telling me its verified. I will include that letter. XXXX never sent anything back, but an email saying it was verified and accurate after I requested information on the verification. On XX/XX/XXXX I sent Equifax and XXXX a certified follow up method of verification letter on that same unknown collection. XXXX finally responded with a updated credit report but the collection wasnt removed after I asked if it couldnt be verified. Equifax emailed me stating it was verified and accurate but cant send me proof of it. Now that Im getting frustrated because this is hindering me from purchasing a home for me and my kids. I sent both bureaus a certified XXXX follow up method of verification letter on XX/XX/XXXX. Equifax sent a letter dated XX/XX/XXXX saying they received my letter on the other hand XXXX didnt reply. Ive been disputing and disputing with these 2 bureaus an theyre not sending me what I requested. If its verified why is it so hard for them to send me the required information or do as I asked DELETE this collection. I will be enclosing my letters. Each letter was sent to Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint:
on XX/XX/2021 I attempted to get my credit score through TransUnion ( XXXX XXXX XXXX ). I was never able to set up an account or login, but the company did receive my credit card information and charged me {$27.00}. I never authorized this payment, nor did I receive any service from the company. I did not receive any email alerting me to the fact that they were charging the card, giving a reason and providing the score or any other service

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MD
Tags: Older American, Servicemember

Complaint:
I am also having the same problem with XXXX, in that my paid XXXX account had booted me to their MyEquifax.com, but to later not allow me to sign in even after going through the sign in procedure. This is very similar to what happened on Transunion, only that I've not been able to get Free reports suing Annual Credit Report. At present I'm not able to access the site and even if I go over the sign up process again it will later prevent me from accessing the Myequifax.com site. 

When I was able to access the XXXX site and the regular XXXX site when I was paying for it, it contained some different information that what I should be able to also see on the Myequifax. When I asked about the switchover was told they were switching over everyone with a non paying account, though at the same time I was paying to access Equifax itself. 

This is a very similar problem that I'm having also with XXXX, and is troubling to me to not be able to read from searching that anyone else has been switched or had even mentioned being switched and not being able to get Credit reports, from niether Equifax nor through Annual Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint:
On XX/XX/XXXX, I chatted with Barclay Uber credit card representative, I requested Uber credit card to apply my Uber cash {$28.00} to be applied as statement credit. Uber card rep XXXX refused and informed me that as of XX/XX/XXXX, Uber cash rewards can no longer be applied as statement credit. I had this credit card for since XXXX, I've always redeemed my rewards as statement credit. Yet XXXX insisted such change was stated in XX/XX/XXXX statement disclosure that after XX/XX/XXXX, Uber cash can no longer be redeemed as statement credit. I reviewed carefully the XX/XX/XXXX statement the rep mentioned, there was no wording or phrases mentioning about disallowing Uber cash to be applied as statement credit. I feel Barclay Uber cash credit card is deceiving me by ripped off my statement credit without proper notification.

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 2023-05-16
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:
The Credit Bureaus have failed to investigate my dispute of false information reported on my consumer profile. I have sent written notices disputing both the debt with the original creditor ( XXXX XXXX XXXX  ) as well as the collection agency who has purchased the debt ( XXXX XXXX XXXX  ). I do not owe either the original creditor or the collection agency who has been attempting to collect this debt from me. The original account was not authorized by me and when I filed disputes the Credit Bureaus did nothing, eventually the account charged off and now the collection agency is ruining my credit history by reporting this information. Furthermore, the credit Bureaus were notified of this dispute, but my account remains unmarked with any dispute status. This is a violation of my consumer rights under the FCRA and FCDPA. I have the right to an accurate and true credit profile. My complaint is against the Credit Bureaus for their failure to investigate. I have filed additional complaints with the FTC, see attachment for reference.

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 2018-08-16
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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint:
There is a delinquent account in the amount of {$280.00}, that is being reported since XX/XX/2015 by XXXX XXXX XXXX XXXX, to ChexSystems. I immediately contacted ChexSystems to dispute the amount being reported once I was made aware of the negative impact on checking profile. I did not remember owing any amount to XXXX XXXX XXXX so I filed the dispute and waited a little over 30 days for my updated results. To my surprise, the account was not removed but I was advised to contact XXXX   XXXX XXXX for further information. Well, I contacted XXXX right away and spoke to many different associates, who all provided me with basically the same information. I was told that my account was archived and no information besides the fact that most of the fees were because numerous overdrafts fees were accessed to my account due to a {$9.00} balance. I was told they could not find any information on why I was being charged {$9.00} dollars but that the overdraft fees were valid and would have to be paid in full to remove this account from my profile. I do not understand how {$9.00} can result in someone being charged {$280.00}. This company can not and has not provided me with any documents stating the breakdown of the charges yet they continue to report the debt is valid. Please assist me with holding this company accountable and stop them from taking advantage of low-income individuals.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
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: Experian Information Solutions Inc.
State: NY

Complaint:
My name is XXXX XXXX. I do not consent to e-oscar verification. XXXX XXXX XXXX furnished inaccurate information to credit reporting agencies. No consent by definition is identity theft. I extended XXXX XXXXXXXX XXXX  no consent, permissions or authority to share/sell/trade my personal non public information. I have suffered direct losses and have struggled significantly as a consumer directly due to the misinformation and defamations furnished erroneously by 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 2023-07-04
Product: Debt collection 
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint:
Transunion, XXXX, XXXX are purposely messing up my credit scores.

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 2020-03-03
Product: Debt collection 
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: EQUIFAX, INC.
State: MN

Complaint:
This is regarding Company Name : XXXX XXXX  Account # XXXX Never removed still in my credit file : Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response from Equifax : Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. We initiated an investigation into the items and the results are below : The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX Account Number : XXXX. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX Account Number : XXXX The results of the investigation have been mailed to you. If you have any additional questions or concerns regarding the results of the investigation and/or your Equifax Credit Report, please visit us at www.myEquifax.com. Here you may sign in or create a free account where you can manage your security freeze, fraud alert, and disputes and access free Equifax credit reports and the Core Credit product. You may also contact us at XXXX to speak to a Customer Service Representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint:
On XX/XX/2019 I was at the Old Navy store located in XXXX CA. I told the employee that I want to use my GAP credit card and I do not have my card, so she can look me up and use my rewards too- that is what I do when I do not have my card on me. 
She asked me if my card has a chip, and I replied that I do not recall. She told me that I can request a card with a chip and I will get promotional discounts. It seemed fair and I was happy. She had me enter my SS, which I always do if I do not have my card, and after a few minutes, she handed me my receipt and told me that I got all the discounts and I will get my card in the mail soon. 
I have received an OLD NAVY credit card!!!!! I never wanted to open a card with the store. I already have my GAP card, why would I open another store credit card? 
My credit score has been affected by opening that card while I was trying to work on my credit to get a new job. 
I called the company ( OLD NAVY ) and explained the situation and the representative was very nonchalant and did not show any sympathy towards my case. I was very upset and asked him to close my account and that what he did without an apology, although he totally advised me to pay my balance! 
I felt manipulated and misled. I am complaining because I am very concern about my credit and very responsible the way I use it. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: The CBE Group, Inc.
State: CA

Complaint:
I did not open this account and believe it was identity theft. I already tried to dispute this debt with the collector on XXXX, 2020. I keep getting letters from CBE group even though it was said it was taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Product: Debt collection 
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt
Company: Rausch Sturm LLP
State: IA

Complaint:
this lady, firm i do not know, have no contract with, has sent me papers threatening to sue me. there is no documentation, as per law that they actually represent the lenders, that they say they do. this is criminal extortion, i do not know them, and all of a sudden i get these letters of extortion, from this rauch firm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
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: Nevada Credico, Inc.
State: NV

Complaint:
I have disputed accounts with XXXX XXXX XXXX club and Quantum Collections on numerous occasions and the account is still reporting fraudulently on my personal credit profile. This account does not belong to me as I was a victim of identity theft. The credit bureaus nor the creditor has been able to prove that this debt is mine or is owed to me. This is hindering me from moving forward with other financial obligations.

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 2022-06-21
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: IN

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. 
XXXX  Account # XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2022-02-24
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: FL

Complaint:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

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 2022-01-21
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: NJ

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation