hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CT

Complaint:
I, XXXX XXXX, of XXXX, in XXXX, Connecticut, MAKE OATH AND SAY THAT : XXXX. XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  have willfully repeated to damage my consumer credit year in and out for over XXXX years. They have violated many of my consumer rights as well as federal laws and cfpb laws. 
XXXX. XXXX XXXX violated the following Federal laws 12 USC 1431- no bank can loan me anything they are borrowing from me 42 USC 408 -Asking/using my social on any extended credit, pre approval or loans is a federal crime being there is no lawful money.

UCC 3-104 - Willfully and illegally used my negotiable instrument in the extension of credit to be paid to me.

15 USC 1602g - I the consumer am really the creditor!

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 2022-07-28
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: OK

Complaint:
I went to get a car and the car dealership said it would only be their one lender and I recieved notification that multiple inquires were added to my consumer report without my authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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 2021-07-27
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: GA

Complaint:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint:
Applied for the offer that stated earn XXXX XXXX  bonus miles when you complete $ XXXX in purchases and also receive a {$100.00} statement credit after making a purchase on XXXX within 30 days or so. I completed all the requirements back in XX/XX/XXXX right before the date to complete the requirements within, i have yet to receive my XXXX miles and my {$100.00} statement credit. I feel i have been a victim of credit fraud where amex simply just lured me to sign up and never delivered the promised. I have immediately stopped using this credit card and will not use it again ever, i have also spread the word among my family and friends to never sign up for XXXX, as they are in shady business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-28
Product: Credit card 
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account
Company: BARCLAYS BANK DELAWARE
State: FL
Tags: Older American

Complaint:
Received a letter on XX/XX/2023 ( dated XX/XX/2023 ) that my credit card was cancelled due to inactivity. I never received a letter, email notice, or notification message in my online account that the account would be closed due to inactivity.

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 2022-05-13
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: NC

Complaint:
Multiple Disputes letter sent XXXX XX/XX/2022 Got Update From TRANSUNION XX/XX/2022 Consumer Reporting Agency policy to report consumers nonpublic information is only applicable if all the disclosure requirements have been met by law by each Financial Institution under 15 U.S. Code 1638 and 15 USC 6802. I XXXX XXXX the consumer, sent three notices certified mail about the validity and accuracy of the accounts below. The Consumer Reporting Agency was given the opportunity to ensure accuracy and produce all general disclosures with consumers written consent required by law 15 USC1681b upon there reinvestigation. In response Consumer Reporting Agency stated that all accounts are accurate and have been Validated however the Consumer Reporting Agency failed to provide any Disclosures from each Account in question 15 USC 1681i. Disclosures are in fact a part of the accuracy of each account by law under 15 USC 1638 and 15 USC 6802. Failing to provide disclosures upon reinvestigation of Accounts listed the Consumer Reporting Agency has no consent to furnish 15 USC 1681b. These Accounts and the Consumer Reporting Agency have not complied with15 USC 1681e and 15 USC 1681m. I the consumer have rights and the Consumer Reporting Agency failed to comply with requirements of the law 15 U.S. Code 1681i along with other Laws and Regulations listed above that fall under The Truth and Lending Act, Consumer Financial Protection Bureau, Federal Trade Commission, Contract Law, and State Law. 

XXXX XXXX Alleged Balance {$1000.00} XXXX XXXX XXXX XXXX Closed PAID {$77.00} XXXX XXXX ACCOUNT NEVER OPEND

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 2021-01-10
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint:
in XXXX my bank of america checking account was hacked and frauded. I was contacted by the bank fraud department and was blamed for the transaction. my account was closed and reported to the checking black list. i now can't get a checking account.

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 2021-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
On XX/XX/2021 XXXX received a letter requesting the " Method of Verification '' as I suspected that they utilized an electronic method known e-Oscar to verify the debt they say I owe. I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Transunion received the same letter/request on XX/XX/2021. XXXX received the same letter/request on XX/XX/2021. The Method of Verification has not been received by listed companies. The ( 15 ) day period has been exceeded.

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 2023-03-06
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account
Company: Block, Inc.
State: CA

Complaint:
XX/XX/XXXX my friend sent me XXXX dollars via cash app ( cashapp to cashapp ) but he sent it to an old account of mine and they are more than unwilling to verify my identity to help me gain access to that account nor will they return the funds I gave them the phone number linked to that account ( I no longer have access to that number ) there is no email linked just a credit card I do not have anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-18
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: Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX Date Opened XX/XX/11 Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: EQUIFAX, INC.
State: NJ
Tags: Servicemember

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 title 15 U.S.C. 1681 : XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX : # XXXX HAVE ALL VIOLATED MY FEDERALLY PROTECTED CONSUMER 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 ) ( 6 ) : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.

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.A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv.

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. 
XXXXXXXX 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 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint:
Arvest bank denied over 100 transactions made by XXXX from XXXX till XXXX of XXXX. Signature is fraudulent. Charges were made daily. No fraud protection was offered by bank. No contact was made of this suspicious activity.

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 2017-10-25
Product: Debt collection 
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay
Company: Diversified Consultants, Inc.
State: TX

Complaint:
They call me over and over again trying to collect a debt .I have absolutely no contact with them. They continue to mislead and lie about the alleged debt. Was threatened to get sued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
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: GA

Complaint:
This complaint is to the Credit bureaus. I have disputed this information multiple times with no change. I have sent in my ID Social Security Card as well as police report and XXXX has continuously stalled me. I would like your help in getting this matter investigated and removed immediately. My personal information has been used repeatedly used and my identity is compromised. Please help XXXX is reporting incorrect and fraudulent information in my name which has severly hindered me. I am not responsible for the following accounts. 
XXXX XXXX XXXX XX/XX/2020 -This account is ridiculous. There is no payment history and no notes on this account. It just shows a collection which I have no idea came from. I have disputed this account explaining that I have no knowledge of this account. I have asked for proof of my signature when applying for this account. I have had no such luck in fixing this issue. 

-XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX I have continuously explained that I have no knowledge of this account. I have never opened this account and I dont understand how it is listed on my report. This account is also fraudulent. 


XXXX XXXX XXXX XXXX XXXX XXXX I have never had an account with XXXXXXXX XXXX XXXX I reached out to the company directly to ask for proof and to explain that this is fraud and they were suppose to investigate and remove. It has been years with no change. The account has no history or usage on any devices fraudulently purchased yet I have had no help it removing this information. 

XXXX XXXXXXXX bankruptcy XXXX have only filed a XXXX XXXX XXXXankruptcy in the past. Which has already been removed after 7years. I have repeatedly reached out and disputed this information with the credit bureaus as well as the bankruptcy court on how this misunderstanding needs to be fixed and removed immediately. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
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: GA

Complaint:
I received my credit report on XX/XX/XXXX and notice there were hard inquires that have no permissible purpose to be on here. These hard inquires are hurting me from getting approved. I already reached out to the credit bears multiple times and they keep violating my rights under 15 USC 1681B. I have also attached the hard inquires that don't have purpose to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-07-15
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: GA

Complaint:
In contempt of my previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to correct the account in my credit file. This is the inaccurate account : XXXX XXXX Balance : {$660.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Product: Checking or savings account 
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint:
Fraud Claim with Bank of America To Whom it may concern, This letter is to address a claims that I have requested for appeal in XX/XX/XXXX. Back in XX/XX/XXXX, I mailed check no. XXXX for {$1200.00} to my landlord. The check was pay to the order of : XXXX XXXX XXXX, {$1200.00}, the amount of my rent with that landlord. This has been the amount beginning in XX/XX/XXXX. 

My check no. XXXX, was intercepted by someone who removed the Landlords name and added their name as the recipient of the payment. I did not make the check payable to the person that cashed it. The hand writing on the pay to is not mine handwriting. 

For this Check Fraud reason, I originally file a claim with BOF. On XX/XX/XXXX I received a bank transfer from my old BOA bank account ending XXXX, to my new account ending XXXX for the money stolen by the person who deposited and stole my check no. XXXX. At the time I was under the impression that BOA had resolved my problem but on XX/XX/XXXX BOA took back my money. 

Check no. XXXX was a personal check with my name and address that I signed and mailed to my Landlord. As per the information provided by the claims fraud specialist in the BOA location at XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX, the check was deposited on a XXXX XXXX by the person who stole my money. That recipient of my money is the person that needs to be investigated for fraud and force to return the money. 

Please take in consideration this information regarding my claim with Bank of america, for check fraud. In all fairness and as consumer of a service by BOA for many years, I do not deserve to lose my hard earned money.

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 monetary relief