hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA
Tags: Servicemember

Complaint:
Auto loan paid in full since XX/XX/XXXX XXXX.XXXX XXXX XXXX still had not updated any credit reporting bureau.when I disputed the information, they still failed to report accurate updated status.prevented me from obtaining a new vehicle at a low rate

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 2023-08-31
Product: Credit card 
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: In progress
Consumer complaint received 2020-05-21
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 recently applied for a furnisher account and got denied. I dont understand why I would be because i typical get approved for everything i apply for so, I checked my credit report so that maybe i would get a better understanding. after doing so I notice some items on my report are not mine. Im unsure of how this has happened. I need these items deleted from my credit report. XXXX XXXX {$730.00} XXXX XXXX XXXX {$25000.00} XXXX XXXX  XXXX {$400.00} XXXX  XXXX {$460.00} XXXX XXXX XXXX {$940.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$750.00} XXXX XXXX  XXXX {$15.00} XXXX XXXX XXXX  XXXX {$940.00} XXXX XXXX XXXX XXXX {$1100.00} DPT ED XXXX XXXX {$4500.00}

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 2022-09-26
Product: Debt collection 
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged
Company: GLOBAL SOLUTION BIZ LLC.
State: IL

Complaint:
I had a company contact me stated I owe them debt, however I never got any written or noticed from there stated this is 100 % accuracy. 

Also I was paying my debt to a company by the name of XXXX XXXX which did state they had my information from the company they was collecting from which is XXXX XXXX. 

However I was about 35 + days late on my payment agreement I had with XXXX XXXX. So what happened supposedly is they sold my information to another company which is called Global Solution Biz LLC Now I sent them a Debt Validation Letter confirming this information is accurate, Now during this process I made sure it was certified mail, so I can have a tracking stamp as to when they received it. The date they received my letter was on XX/XX/XXXX Friday at XXXX tracking number is here : XXXX with USPS Well I know during this process the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

However they are still contacting me today harassing tell me they are going to send out a quick track enforcement team to my home address and business and freeze my attached bank accounts and call my car loan bank which has my car loan. They failed to provide information as requested, They are threating me about freezing other accounts, they are validated laws with commutation tactics. They even fail say on the phone " they are a debt collector & attempt to collect my debt '' Please help me as I filed a XXXX and send this information to my general Attorney office The companies information is here : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Georgia 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 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint:
I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-10-31
Product: Debt collection 
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid
Company: CL Holdings LLC
State: MD

Complaint:
This debt has been resolved XXXX continues to harass me through debt collectors this is the third time I had to have to request to have it removed from my credit reporting agencies. Please if you can help and stop them from doing this XXXX is enough to deal with I should n't have to deal with this at all I think you for your time and I look forward to hearing from you soon. 
Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-22
Product: Debt collection 
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: Wellmont Health System
State: VA

Complaint:
MCOT debt collecting agency XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Tel XXXX XXXX ] XXXX XXXX, Attorney XXXX XXXX XXXX, Violating FDCPA, [ Fair  Debt Collection Practices Act ] A Scavenger Debt Collector, illegally buying up old debt, Out Of Statue, and collecting over and over again, .I was first garnished for a hospital bill from XXXX, In XXXX they took, {$2900.00} from my paycheck and then stopped the garnishment before it was paid in full, This left me thinking it was paid, so they could come back 11 years later to add all these bogus charges, Interrest {$1300.00}, Judgement costs {$50.00}, Attorney fees {$200.00} and then another bogus {$660.00} for garnishment Costs and do this over and over to the citizens, Way out of the 6year Statue Of Limitations, It is an illegal act and can be sued in Federal Court for " MaliciousProsecution, '' Which im in the process of doing, Also turn in the attorney to  the Tenn State Barr Association , Attorney General complaint, In XXXX and XXXX. We have a law which protects us from being sued out of the STATUE OF LIMITATIONS.In this case, XXXX bill being garnishe for the second time in XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint:
This CAPITAL ONE XXXX account is reporting derogatory information as reported in my Credit Bureaus. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

CAPITAL ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
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: SYNCHRONY FINANCIAL
State: CA
Tags: Older American

Complaint:
Since XX/XX/2021 I paid my Synchrony XXXX XXXX payment card in full. The balance was {$3700.00}. Both XXXX and XXXX show the account closed by consumer, and paid in full which is correct. 

XXXX however, still shows {$3700.00} - I have contacted Synchrony Bank AND XXXX to have the account information brought current. I asked Synchrony Bank today to send a record update over to XXXX, whereby the customer service representative stated it will take 30 days to have this processed. He was very courteous but I explained I can't wait 30 more days. 

I have already waited 40 days, to add another 30 days, makes it 70 days or almost three months, which is a quarter of a year. 

The issue is, I am refinancing my property, this balance of {$3700.00} / {$7200.00} credit line can be considered high utilization, and a negative factor in my FICO score calculation. Even if it is a closed account, the credit reporting agencies add the credit line to my total credit lines available and use it to calculate the debt ratio of all balances of all accounts.

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 2023-09-04
Product: Credit reporting or other personal consumer reports 
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service
Company: Maximus Education, LLC dba Aidvantage
State: GA

Complaint:
Potential fraud n identity theft from university, while using these loans n me never being enrolled, but the XXXX  semester of XXXX, and Thats all. Wow. Pls look.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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: MD

Complaint:
XXXX has failed to remove the account ( XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXDate opened XX/XX/2022 Amount : {$260.00} from my credit report. They have failed to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated.

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: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: DISCOVER BANK
State: TX

Complaint:
On XX/XX/2023 I requested Discovery to send validate that competent evidence bearing my signature showing that I have some contractually obligation to pay. In response of my request, Discovery send a statement which is not evidence of a signature for a agreement. Therefore, I sent another letter on XX/XX/2023. Requesting a signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
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: Convergent Resources, Inc.
State: MS
Tags: Servicemember

Complaint:
Collection agency [? ] Convergent Outsourcing Original balance [? ] {$280.00} Date assigned [? ] XX/XX/2020 Original lender [? ] XXXX Account number [? ] XXXX Account holder [? ] Individual debt was paid and company refused to take it out of collections

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 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint:
On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidences as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : US DEPT ED Account Number : XXXX XXXX. Account Name : XXXX XXXX  XXXX Account Number : XXXX XXXX. Account Name : US DEPT ED Account Number : XXXX XXXX. Account Name : XXXX Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint:
Dear to whom it may concern, My name is " XXXX XXXX " ''. I have been trying to report inaccurate items in my credit report over years but it never worked. I am repeating my complaint to request investigation on these following items below within 30 days according to Fair Credit Reporting act. 
**Address** XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX These addresses are not belong to me. I have attached proofs of my recent and only address. Please remove the incorrect addresses as they are preventing me from obtaining my credit score. 
**Credit cards** _XXXX XXXX DELAWA Reported : XXXX. XXXX, XXXX How can there be XXXX  XXXX   monthly payment on a closed account. Delete immediately. 
_XXXX - CARD SERVICE Reported : XXXX. XXXX, XXXX How can there be XXXX XXXX monthly payment on a closed account. Delete immediately!!! 
**Credit card** XXXX  - CARD SERVICE Reported : XXXX. XXXX, XXXX This charge off account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Other loans** XXXX XXXX Reported : XXXX XXXX, XXXX This charge off account is not belong to me. The collection agency doesn't have any signed contract with me or my information. 
*** According to FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b ), the collector must then respond back to me in writing, showing that the debt is your responsibility and that it is entitled to collect the monies either on behalf of the creditor or as the new owner of the account and until the collector provides me with this evidence, this charge off account has to cease all collection activity. If the collector can not validate the debt with at least some cursory evidence, it must permanently cease all attempts to collect the debt and remove all indications of the collection account from your credit report. 
**Hard Inquiries** _XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR 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 explanation
Consumer complaint received 2019-07-26
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:
The following student loan account is in DEFERMENT STATUS and should not reflect a late payment or negative. This is a violation against the FCRA. Why should they hold it against me? I disputed the accounts with Experian and XXXX for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score. CFPB please step up and fix this ASAP please Im looking to purchase a home. 
DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DEPT OF ED/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 2020-01-03
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Credit Bureau of York, Inc.
State: PA

Complaint:
Over 6 years ago, I employed the XXXX XXXX XXXX XXXX XXXX to help me with a XXXX case. Their firm helped me for several months, and my bills were paid up to date. We reached a point in the process where the attorney said, in order to continue with the case, I would have to pay another {$3100.00} on top of what I already paid them. The case was dropped, shortly thereafter, and no more legal services were rendered. So this bill for {$3100.00} was not paid, because additional legal services were not needed. Somehow, this balance got sent to this collection agency as an unpaid bill, but it was a mistake. I do not owe the law firm an additional {$3100.00}. We paid them for the services they provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
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: CITIBANK, N.A.
State: NY

Complaint:
On XX/XX/XXXX I received a text message stating CITI BANK : Did you attempt XXXX ( Declined ) at XXXX XXXX XXXX XXXX.Reply YES/NO STOP. HELP. I replied no and then someone called me from XXXX ( XXXX XXXX XXXX. It was a meal and they stated that theyre are calling from Citibank two confirmed a authorized transaction attempt. He then went on and said that someone attempted to use your card in California in the amount of $ XXXX.The meal stated that The transaction did not go through. Then he said he will close out the card and send me a new card in the mail. Then on Sunday XX/XX/XXXX I checked my account I seen {$5.00} remaining in my account. The person mad 3 different wire transfer on XX/XX/XXXX of {$990.00}, {$990.00} and $ XXXX.I called Citibank customer service immediately. They then Freeze the account and now it under investigation. On the XX/XX/XXXX I Spoke to a supervisor he stated to me that they will investigate and it will take up to 90 days. Also I had to file a complaint with internet crime complaint center. I then call back the next week to get some updates on my case. I was on hold for over a hour. The Supervisor looked into my case and told me on the XXXX they Made their determination that I will not be credit back my funds that was wired out of my account because they tried to request the funds back from the person account. The Funds was unavailable for them to retrieve back. I did not Received a call or letter in the mail stating their Determination on the account. I have been banking with them for a very long time never had an issue with my bank account ever until now .how theyre handling it its very disappointing and overwhelming. The supervisor did not help me at all. they know that I am a victim of fraud but still refuse to credit me back the 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 explanation