hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2020-11-19
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: PA

Complaint:
I have tried on several occasions to obtain my EQUIFAX report via XXXX and am unable to. I can access the reports for the other reporting agencies from the site. When the the website routes me to equifax equifax asks me questions that are not related to me and then states it can not authenticate my file. I have reached out to equifax several times and told them that it looks like they are asking questions pertaining to someone else and they refuse to look into it. The last time I called was XX/XX/18 and the rep actually said there is not enough information on my file so the website asks random questions. I filed two XXXX  reports because of this issue. In XXXX Equifax responded via XXXX  that they would look into the the matter but they never did. I called Equifax a few days after the XXXX response and the representative said there were no notes on my file about me having issues accessing my account despite numerous complaints. I also sent two messages to XXXX to inform them I can not access equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

DEPT OF ED / XXXX  XXXX Balance : {$3300.00} ; DEPT OF ED / XXXX XXXX Balance : {$1900.00} ; XXXX OF XXXX / XXXX XXXX Balance : {$7500.00} ; DEPT OF ED / XXXX XXXX Balance : {$4100.00} ; XXXX OF XXXX / XXXX XXXX Balance : {$3000.00} ; XXXX OF XXXX / XXXX XXXX Balance : {$1500.00} ; DEPT OF ED / XXXX  XXXX Balance : {$2100.00} ; DEPT OF ED / AIDVANT XXXX Balance : {$2600.00} ; DEPT OF ED / XXXX XXXX Balance : {$2000.00} ; DEPT OF ED / XXXX  XXXX Balance : {$2300.00} ; DEPT OF ED / XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX Balance : {$20.00} ; XXXX 'S XXXX XXXX XXXX : {$450.00}.

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 2015-09-03
Product: Debt collection 
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint:
XXXX collection agency reported an account from XXXX Bank on my credit. I never had an account with XXXX BANK. I sent for validation on the account the account, they sent some statement that is not mine. The dates on the account continue to change. I never had an account with XXXX BANK. THERE IS NO XXXX ACCOUNT ANYWHERE ON MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
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: TX

Complaint:
Transunion has on my report that I have a closed fraudulent account with XXXX system. This information is false and incorrect. I have a credit report from XXXX system whom I also called and there is no fraudulent or delinquent closed account being reported by them. 
Attached is a copy of the information being reported by trans union also a copy of my XXXX system report showing no fraudulent or delinquent account or information

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 2021-04-08
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: EQUIFAX, INC.
State: SC

Complaint:
On XXXX 2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax XXXX XXXX and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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: MOHELA
State: MS

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Product: Debt collection 
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt
Company: Cottonwood Financial Ltd.
State: TX

Complaint:
On XX/XX/2023, I received a letter from " XXXX XXXX XXXX '' accusing me of being " severely delinquent '' on an alleged loan from Cash Store and threatening to take me to federal court on check fraud charges and giving me until XX/XX/2023 to make payment otherwise I would be served with a summons to appear in court. The company also threatened to call in family members, who they cited by name in the letter to testify against me. I have never dealt with this company and the debt according them was taken out while I was working with a company that I had not worked for in more than XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Product: Debt collection 
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: ME
Tags: Servicemember

Complaint:
Received a letter about a bill owed to XXXX. I am currently going through a medical hardship, due to XXXX treatments.

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 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint:
Rash Curtis and Associates has falsely reported information to the credit bureau. After deletion, reported to a different bureau with a different amount and have reaged the account as well. Disgusting! After speaking with them several times and explaining to them that there is no way I have any relation to this, also asking for proof, they have not removed it. They ask questions to try and add legitimacy to false claims. How can they be allowed to falsely report, delete, report again, pad, and reage?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: CL Holdings LLC
State: VA
Tags: Older American, Servicemember

Complaint:
There are several violations here : 1. XXXX XXXX charged me for services that were not delivered. My cell phone rarely worked at my home and dropped calls often when traveling for 9 months I had service with them. They never improved the service or reduced the bill. 
2. XXXX agreed to cancel the remaining unpaid month of service, {$120.00}, if I paid off the phones I purchased from them for {$1200.00}. I paid for the phones, but they continued to try and collect for the bad service, finally turning it over to a collection agency. They refused any further effort I made to dispute the bill. 
3. Jefferson, the debt collection agency, increased a {$120.00} disputed bill to {$620.00}. They refused to cancel the bill or decrease the amount back to {$120.00}, the original XXXX XXXX bill. 
XXXX. The three credit agencies did not contact XXXX about the original bill after I disputed the bill. Instead, the only contacted Jefferson, who continued to validate the bill. The agencies also did not require Jefferson to reduce the disputed bill back to {$120.00}, but continued to keep the disputed amount at {$620.00}, even though I told them the amount should be reduced, at a minimum. 

Facts : 1. Cell phone debt has a federal statute of limitations of two years. After the statute of limitations has expired on a debt, it is considered time-barred. 
2. I advised the 3 credit agencies of this fact, but they refused to delete the bill from their files. Jefferson Capital System also refuses to stop reporting this bill to the credit agencies as a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
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: UT

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2017-02-03
Product: Debt collection 
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine
Company: Ray Klein, Inc.
State: OR

Complaint:
Good evening. 
On XX/XX/XXXX, Ray Klein Inc. filed a writ of garnishment against me for {$1500.00}. I just received notice of my companies intent to withhold all or a portion of this amount from my XX/XX/XXXX paycheck. 
Upon research I discovered that the majority of this collection is from my estranged wife 's medical debts. They combined several of my small debts with her big ones and filed against me. 
I was never served. I called them on XX/XX/XXXX and they said my estranged wife received the papers at her address. They said they had the right to collect her debts from me as we are married. It took me 30 minutes to get to the proper person to verbally explain the nature for the debts they are collecting. We have been separated, living in different homes since XX/XX/XXXX. She filed for divorce on @ XX/XX/XXXX. It is not final yet. 
My complaints are as follows : A ) I was never served prior to adjudication so I had no chance to respond. They say they served my ex but she says they did not. 
B ) I have received no written information of the nature and source of the combined debts they are collecting. I have not had the opportunity to determine whether the debts are valid or mine as I never received advance notice. 
C ) I should not be held liable for debts my ex has incurred since our separation. 
D ) The amount they are having garnished from me on the XXXX of this month will cause an undue hardship. 
E ) I have never lived at the address that they say they served. ( My former wife 's ) Please let me know what can be done to resolve this issues.

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 2023-04-26
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: GA

Complaint:
Dear Sir/Madam, I am writing to dispute an inaccurate collection account on my credit report that is adversely affecting my XXXX XXXX. The collection account in question belongs to XXXX XXXX XXXX Account number XXXX, which does not belong to me. I have never entered into any agreement with your company to provide any services that would result in a collection account on my credit report. 

Additionally, there are several other items on my credit report that I also want to dispute, including the following : XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX. Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX  Account number XXXX I request that you thoroughly investigate these items and remove them from my credit report, as they are negatively impacting my creditworthiness and causing me difficulties in obtaining credit and loans. 

As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any inaccurate information on my credit report. I have attached supporting documentation and request that you consider it in your investigation. 

I urge you to take prompt action to correct these errors and provide me with written confirmation once these items have been removed from my credit report. 

Thank you for your attention to this matter. 

Sincerely, [ Your name and contact information ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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: CA

Complaint:
I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint:
Hello im am writing to get assistance resolving a charge dispute for the amount of {$820.00} to my synchrony XXXX credit card. The amount reflect the cost of XXXX XXXX XXXX XXXX purchased through XXXX via a second party vendor XXXX XXXX XXXX The charge is in error due because the items weren't delivered nor received. 

I was tracking this purchase via XXXX website in order to make sure I was home when delivered, On the day of expected delivery XXXX a message was posted that the delivery was delayed and expected on XXXX. Next day XXXX I received a notification that it was delivered after midnight. After looking around my property there was no package and also checking my security camera during the time frame of so call delivery I was convinced it must have been an error message. I immediately contacted XXXX via the website chat on the afternoon of XXXX. At first they emailed the refund department to check on the return and issued me a refund.. After no resolution in their part I reached out again to XXXX  and was told to contact the seller because it appears that the items was delivered, I contacted the seller and he advised me that the refund was issued on XXXX to XXXX. Once again I contacted XXXX via chat and advised the that the seller issued the refund on XXXX in which they directed me to contact Synchrony bank and open a charge back dispute due to the fact I bought the items with my XXXX credit card. After contacting synchrony and opening a charge back dispute they concluded that im responsible for the charges because it states that the item was delivered. I sent them documents showing the sellers response writing that a refund was issued in the full amount and gave them access to my chats with XXXX but again they closed the dispute saying the item was delivered. According to synchrony because the item is labeled delivered they can not issue the credit. I tried to have XXXX and synchrony and the seller communicate with each other and resolve this issue but have no luck. This should be an easy resolution the seller admits the refund was issued I don't know what the issue is I sent every document concerning this to all parties. I even sent bank statement and XXXX receipt to show I repurchase the same set tire via XXXX ..This is pretty much my last resort to resolving this matter I've been dealing with this for 6 months I will include all documents sent to XXXX and synchrony with this complain and will await any emails concerning or requesting more documents from me.. 
Thank you 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 monetary relief
Consumer complaint received 2016-08-26
Product: Debt collection 
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine
Company: PINNACLE RECOVERY, INC.
State: MD
Tags: Older American

Complaint:
I terminated my membership with XXXX XXXX XXXX. It refused to end the membership, claimed I still owed fees, and referred the alleged debt to Pinnacle Recovery, a debt collection agency, which has been harassing me for 2 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud
Company: COMMERCE BANK
State: CA

Complaint:
called to dispute card opening and charge was told '' I commited bank fraud " and im going to be arrested!! refuse to dispute charge from XXXX XXXX refuse to take my dispute refuse to stop calling me and threatening me calling me over 45 times rude fraud rep telling me they don't care if someone else used my card im paying the bill or there ruin my credit incredibly abusive fraud back office operator told me " you commited bank fraud " refuse to listen to me combative morons!! refuse to take off credit or follow ANY federal laws whatsoever ever refuse to dispute refuse to stop calling! yelling scream tell me I a fraud there not going to listen back office fraud refuse and kind of detail on charges yelling a screaming at me I commited bank fraud abusive combative could get a word any edge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
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: PA

Complaint:
I have been trying to get this issue fix I send in a letter stating that I want to OPT out from XXXX  reporting my information without my consent. under truth in lending Act 15usc6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless they clearly and conspicuously discloses to the consumer in which avant never did, I also send a certified letter including a affidavit that they never reply back too. 
this is my third chance at trying to fix this issue. All they keep saying is we are right reporting correctly how? when you dont have my consent and never gave me the chance to can opt out

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