hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2019-11-11
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Ad Astra Recovery Services Inc
State: AR

Complaint:
This company is unknown to me. I dont have a personal, professional or financial relationship or responsibilities with them. I have never signed any documents agreeing to a financial account with them. The derogatory remarks that are being left on my credit reports are degrading and unfair. If this company has any information about me, it is unverifiable and in non valid. I want this detrimental information removed from my credit information from each of the major credit bureaus as soon possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
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: EQUIFAX, INC.
State: GA

Complaint:
To whom it may concern, On XX/XX/XXXX I mailed out three ( 3 ) dispute letters one to each of the credit reporting agencies XXXX, Equifax, and XXXX XXXX under the FCRA section 609 ( a ) ( 1 ) ( a ) law to conduct and provide me with proof of the original contracts with my signature on negative items and inquiries that are being reported on my credit reports are mine and they have yet to do so within the thirty ( 30 ) days that they are allowed to have in order to prove ownership and accuracy of information that is being reported.There has been no correspondence with them providing me with any information or update on the status of my disputes. Also on XX/XX/XXXX I sent out three ( 3 ) thirty ( 30 ) day demand to comply letters, one to each of the credit bureaus XXXX, XXXX, and Equifax because they have broken the law by not providing proof or correcting the items being disputed in the time frame permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Product: Checking or savings account 
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint:
I fil a dispute later to the company no respon

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 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payment on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. This is unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed account. 
XXXX XXXX XXXX XXXX : {$28000.00}

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 2023-09-02
Product: Credit reporting or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint:
I had a loan with XXXX XXXX XXXX XXXX. I had XXXX issues with XXXX Then they sold off all of these loans to a company called XXXX XXXX XXXX and it has been a nightmare ever since!! They report my loan 30 days past due every 10-12 days. I have been paying them every single month. Since XXXX of XXXX  until now XXXX has not responded to any of the 30 emails sent. Their reps when you call are cluesless and rude and do not fix anything. They are destroying my credit while i am paying them. Which is ridiculous and they refuse to fix the problem. I have filed disputes with XXXX and XXXX and sent documentationa and they have not fixed either. This company does nothing. I find it strange that I had XXXX problems with XXXX XXXX and now there are thousands of complaints since sell off to XXXX XXXX. This company is a disgrace and they should not be able to report anything, Also online you can not see previous statements nor can you look up more than past 6 months of payments. This is fraud and a scam

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
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: JPMORGAN CHASE & CO.
State: TX
Tags: Servicemember

Complaint:
On XX/XX/XXXX or XX/XX/2021 my credit limit was decreased from {$6200.00} to {$500.00}. This is the only month I've paid after the due date going on 2 years. All of my accounts are on autopay and I thought this was too. The credit report Chase used has a lot of incorrect info such as account inqueries from companies in which I've never attempted to do business. I was on hold for 55 minutes and eventually spoke to an agent who refused to restore my limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
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: FL

Complaint:
Transunion, LLC., is furnishing a Consumer Report without permissible purposes. XXXX XXXX XXXX Doing Business As Chief Executive Officer of Transunion, LLC., and Transunion , LLC. , are committing Racketeering Activity in addition to Aggravated Identity Theft, and violating the Graham-Leach-Bliley Act . I am demanding that Transunion, LLC., remove these inquires the consumer report of XXXX XXXX XXXX XXXX Consumer, or a lawsuit will be filed in Federal District Court .

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 2023-06-02
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: PA

Complaint:
I sent my FTC report, PA license, and 15 USC 1681c-2 to Transunion, XXXX, And XXXX through certified mail. I requested to block the fraudulent information from my consumer 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 non-monetary relief
Consumer complaint received 2018-07-09
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: AES/PHEAA
State: NC

Complaint:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Product: Debt collection 
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: WA

Complaint:
IQ Data International called me in XXXX stating I owed a debt from XXXX from an old apartment. It is now XXXX. They demanded that I check my credit score and tell them my credit score, apply for loans, take out tax advance loans or other forms of loans/debt to pay them. They kept me on the phone for long periods of time and hold times to harass me and bully me. 

They added over {$400.00} interest supposedly to this debt which I do not know if it is legal. I have paid them {$50.00} plus an additional {$70.00} in XXXX. 

They called me today XX/XX/XXXX stating the payment declined and that I needed to pay today or further action would be taken and it would be escalated. I advised the rep about personal things happening in my life and I needed to talk to an attorney possibly about this. I also said I was going to the hospital for an emergency and she wanted to keep me on the phone saying that did not matter. She also told me I was threatening her with an attorney and needed to take care of this and that I agreed to it. Someone else got on the phone after placing me on hold and said I need to file my taxes and that it only takes 25 minutes and I need to call by Monday at XXXX or escalation would take place. 

Prior to todays phone call, I asked them to mail me a copy of the debt which they did. I actually got it in the mail today. I am disputing the cleaning charge, carpet cleaning charge, stain removal charge. We moved out of that apartment and it was very clean and tidy. 

I emailed them asking to no longer contact me by phone today.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint:
Hello my name is XXXX XXXX I am XXXX years old right after I graduated high school I went to live on campus in college but unfortunately it didnt go so well because later I found out my ex roommate was using my name and my personal information under a lot of fake accounts which she is currently in jail because of her actions and facing years in jail for fraud I even have my police report Its been years since I contacted all the debt collection to let them know that it wasnt me my parents even hired someone to help me fix my credit I wasnt even XXXX years old by that time they told me they were going to fix everything but recently I was trying to purchase a car unfortunately I wasnt able to do that because of my credit and I decided to made XXXX account to learn more about my credit as I was checking I see it alot of old fraud infos fake errors on my account. one of them is PayPal it shows that I had a An account since 2015 with them but that time I wasnt even XXXX years old yet so I dont really understand how but its been three years since they have been reported me and another company Which is XXXX  XXXX they keep on reported me messing up my credit please help me get my identity back.

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 2023-06-19
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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing XXXX XXXX XXXX XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2022-10-28
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2015-09-22
Product: Debt collection 
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls
Company: ERC
State: FL

Complaint:
Some debt collector keeps calling my work number ( which is a call center ) and leaves a message indicating that they have case in their office that requires immediate attention. There is no contact information left and this happens throughout the day several times. 
XXXX numbers that call appear to be local XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: CCS Financial Services, Inc.
State: WV
Tags: Servicemember

Complaint:
Debt of {$940.00} submitted to Credit Collection Services in XXXX XXXX by XXXX XXXX XXXX XXXX XXXX. Notified through credit monitoring service that collection was filed against me. After speaking with several representatives, I was told this account was opened on XX/XX/XXXX. I had no knowledge of nor authorized the opening of such account with my name attached. Several attempts to reach the company have been unsuccessful since a policy number is requested to access connection to a live person.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint:
I submitted a request for a free annual credit report from XXXX via the XXXX website. However, the site tells me that I need to mail in copies of my social security card, driver 's license, XXXX info, etc. in order for me to receive a paper copy of the report. What 's the point in having an online service if you ca n't receive the report online. Further, sending all that personal information through the mail invites identity theft.

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 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 5. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted 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 non-monetary relief
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claims the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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: PA

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint:
I am reaching out to request the immediate deletion and removal of the following accounts and associated information from my consumer report. It is crucial that these accounts and details are not reported, as their inclusion constitutes a direct violation of the FDCPA and FCRA. This violation involves several laws and must be rectified by promptly removing these accounts and information from my consumer report. I insist on their immediate removal to ensure compliance with the relevant regulations. Please take immediate action to address 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 2021-09-10
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: FL

Complaint:
My personal information reports inaccurately and I believe that I am a victim of identity theft or multiple accounts have been mixed merged with other credit reports. My name is XXXX XXXX XXXX on my credit report XXXX has listed me as XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Equifax reports my middle initial as XXXX which is also not accurate. On XX/XX/2021 I sent a request for the inaccurate names and addresses to be removed and as of today XX/XX/2021 the inaccurate information continues to report. Please see the attached credit report and letters submitted to the credit bureau.

Company response to consumer: Closed with explanation