hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint:
I have hard inquiries on my report that I do not recognize, are affecting me financially & I do not & have not give written consent for these hard inquiries to be on my credit reports pursuant to 15 U.S.C. 1681 section 602 A and 15 U.S.C. 1681 section 604 A - Section 2. 


XXXX XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023 XXXX Hard Inquiry date : XX/XX/2023 XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023 XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023

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 2022-05-23
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: TX

Complaint:
criminal record was added to my credit report and has violated my rights. 
XX/XX/2022 this is in accurate 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint:
I have a credit card with Huntington National Bank that was recently purchased from XXXX XXXX XXXX. During that transition, there were charges and payments made on that account which were not made by me running the total up to {$58000.00}. I disputed these charges with Huntington and 3 days later they sent me a letter saying they could not verify those were not made by me. I asked them to be re-investugsted which they refused. Now I have a balance of XXXX on a credit card that the limit was XXXX and they are reporting me 90 days behind on payments. I have attempted to get statements from them but they have restricted my online access so I can not see the statements or what was charged. This is ruining my credit. This account was open for almost 2 years with no issues and Hintingting takes over and now there are issues. They told me that there are payments made online through a XXXX account that were returned, I have never had a XXXX checking account. I want those charges removed from my account that were not made by me and my payment status updated.

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: Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint:
I have mailed a letter to have my private information corrected and all that is not listed needs to be removed as it is in incorrect. I read in the consumer credit law it states that it's against the law to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Product: Debt collection 
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt
Company: Crosstown Law, LLC
State: FL

Complaint:
I disputed this account, requesting proof of the debt. They failed to provide such proof and contine to report to the credit agency.

Company response to consumer: Untimely response
Consumer complaint received 2015-08-30
Product: Debt collection 
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received
Company: GULF COAST COLLECTION BUREAU, INC.
State: GA

Complaint:
Gulf Coast is inaccurately and unjustly reporting a debt of XXXX dollars on my credit files. I have never received validation of this debt, or anything proving ownership or I am responsible for payment of this debt. Furthermore, based on the dates reporting on my credit files, if, this debt is mine it would have been re-aged. Re-aging is a violation of my consumer rights and FCRA. This is a common practice by collection agencies to maximize collection time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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: TX

Complaint:
I'm having difficulty when I contact the XXXX XXXX  at ( XXXX ) XXXX to rectify the situation which is in error by submitting the court report and fact statement. 
I also had contact the Experian credit report company. I uploaded the information to their site and sent the information via register mail on XXXX to recover solutions agency as Experian demands it in order to resolve the issue on my credit report The Experian will say I should contact collection agency ( which they don't responded ) and I can't get straight answer from Experian after uploading the court report paper. 
I called XXXX since they indicate my dispute result is not available on line and I must call them to this number, but its no way you reach any one life to resolve your issue in Experian or the collection agency after sending all the information requested, via mail or phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Tags: Servicemember

Complaint:
My account with Capital One Auto has had many late payments reported to the credit bureaus even after I paid the payments to them. Their system had some problems processing my payments so after I paid the payment they never took out the funds and then never notified me the payment did not go through even though I had the money for the payment. I have many many, many calls to them complaining about this problem which they never had a solution for or any action taken. They said it was my bank but I have never had any problems with any other company including a credit card I have with the same XXXX XXXX XXXX. This problem has ruined my credit. 
I would like the late payments removed from my credit report on all three credit bureaus. 
I do not have any late payments with any of my other creditors and have never had this problem with any other bills I have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint:
On or about XX/XX/XXXX, upon checking my credit report I discovered that I had become a victim of Identity theft. I hired movers to move my belongings into my new home and upon packing realized that the file box containing all of my identifying information as well as the documents for my children had been stolen. My data was also leaked in the Equifax Security Breech as well as the XXXX XXXX data breech. I have reached out to the companies as well as credit reporting agencies who advised me that I needed to file police reports which I have done yet the fraudulent accounts are still reporting on my reports. I sent letters disputing inaccurate reporting per consumer laws, As a victim of identity theft, I understand the importance of accurate and fair credit reporting practices, as well as the protections granted to me under the FCRA. According to USC 1681b, credit reporting agencies are required to have a permissible purpose for obtaining and disclosing consumer credit information. In the case of identity theft, reporting bankruptcy information resulting from the theft violates the permissible purpose requirements. 


This has been an ongoing issue as I am continually noticing account after account showing on my credit reports. There were XXXX XXXX  filed in XXXX and XX/XX/XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX, multiple auto loans opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX as well as multiple credit cards with XXXX XXXX XXXX which is listed as a charge off, Multiple self lender accounts XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX  acct # XXXX. These accounts among others and they have refused to take any action as it pertains to a resolution. The only action taken was adding a fraud victim alert to my profile.

I sent them a letter stating, Under 15 U.S. Code 1681c-2, if a consumer has been a victim of identity theft and provides the credit reporting agency with a valid identity theft report, the agency must block the reporting of any information that is the result of identity theft. The blocked information will not be included in the consumer 's credit report or disclosed to third parties. I submitted ID theft reports on XX/XX/XXXX as well as XX/XX/XXXX. I was sent stall letters from the bureaus stating that I may have sent the letters in error and also stall letters stating that I need to provide Identifying documentation in order for them to proceed with any action. I sent copies of my Drivers license, a piece of mail as well as a copy of my XXXX  XXXX. I have been victimized my the identity thieves as well as the credit reporting agencies at this point since they have been notified of fraudulent activity and fail to report accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
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: CA

Complaint:
The bank closed my account because I complain about their services and withheld my remaining balance of $ XXXX as this time they have not return my money it is the law that when the bank close the account they have 60 days to return my money and it is now over 7 months?

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 2019-07-19
Product: Debt collection 
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: NCC Business Services, Inc.
State: FL

Complaint:
I try everything in my power to result this issue I call I send dispute out to let them know that me personally I have never open this account and for them to come tell me that this account is accurate when I know its fraud at this time Im willing to do what ever and take the extra step to get this account removed of my report because its not accurate and fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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: Experian Information Solutions Inc.
State: CA

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX WI XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX WI XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX WI XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/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 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint:
My prior complaint was put in on XX/XX/XXXX, the company responded on XX/XX/XXXX. As of today I still have not got this issue resolved. They are in violation of 15 U.S.C 1681, no permissible purpose. In my earlier complaint I sent a letter from the Bankruptcy court who does place bankruptcies on credit reports. Its been 40 days as of today and no response. According to the FCRA & FDCPA they have 30 days to respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
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: Experian Information Solutions Inc.
State: NJ

Complaint:
This company is violating the Fair Credit Reporting Act. According to the FCRA, a consumer report shall not contain information solely as to transactions or experiences between the consumer and the person making the report nor shall it show any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The following accounts and balances shall be removed immediately : 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 2021-09-13
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: Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint:
To whom it may concern, I am seeking help to whoever can help me with my credit problem, There are several items on my report that I dont know about and i want them cleared from my report. I already sent you the dispute letter over thirty days ago but you still havent responded to me and i think that is not right. Please delete those negative items so i dont have to spend for taking legal action. TY

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 2019-03-11
Product: Debt collection 
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint:
This is a past due amount from XXXX XXXX in NC. I paid this off directly to XXXX and started new service with them and currently have service with them.I had no knowledge of this account being reported to a collection agency until I reviewed my credit report. After speaking with XXXX the representative said they do not report to collection agencies. I told them it is on my credit report from Helvey & Associates. This is unfair that an electric company can collect funds and send to a collection agency but NOT advise the consumer its with a collection agency. The collection agency has not responded to any of my calls and the credit bureaus are not removing the paid collection I had NO knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint:
XXXX XXXX someone has used my information to purchase XXXX XXXX XXXX, and when I got a bill at my mail, immediately reported to the XXXX XXXX and they told me to not worry anout that may be was a mistake, but after that I did noticed that at my credit score there is a collection amount which was not mine. 
After that I did disputed that to the XXXX XXXX and XXXX credit companies! 
In XXXX the XXXX XXXX company did send me letter where its says that the collection item was removed from my credit history but XXXX didnt do anything In XXXX and even in XXXX! there is no live agent there to talk, phone calls are ignored through the automated system.And even more when you trying to google their phone number, its takes you to some law firms who advise you to fix it by money, and when you disagree to pay ( because its not you debt ) they finally asking if you want to connect to the XXXX live agent, and if you say yes they make a connection to XXXX live agent! 
The AWA collection company is the rudest in entire my experiences! they dont answer your questions, very disrespectful and nonprofesional, several times hanging phone on you, dont provide XXXX if asked and dont provide any information about the claim or proof! I think there both work together to try steal money from innocent identity theft cixtims

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
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: Paypal Holdings, Inc
State: CA

Complaint:
Hello CFPB, I, XXXX XXXX, am a victim of Id Theft at Paypal Inc. An account was created in my name using my email ID 'XXXX ' on XX/XX/XXXX siphoning off {$15000.00} from my XXXX XXXX  XXXX Checking And Debit Card accounts . I filed a previous CFPB complaint against Paypal Inc. asking for return of lost money. XXXX  XXXX XXXX eventually did chargebacks on the transactions to return the whole money of {$15000.00} back to my original XXXX XXXXXXXX XXXX Checking Account in XX/XX/XXXX and XX/XX/XXXX from the ID Theft Paypal Account 'XXXX ' with Account ID 'XXXX XXXX ' that possessed my money. The previous complaint against Paypal Inc. with CFPB is XXXX. On XX/XX/XXXX, Paypal Inc has informed me on my phone call to them that my account is still in Fraudulent state and is pending investigation for previous complaint # XXXX and associated XXXX   complaint # XXXX. 

This is a Harassment complaint against the above ID Theft perpetrator who is the account owner of Paypal Account 'XXXXXXXX ' with Account ID 'XXXX XXXX ' . ID Theft perpetrator constantly texts my phone # XXXX asking for Release of Stolen Money back to the 'XXXX ' with usage of profane words. This has been an ongoing Harassment issue since XXXX of XXXX till now ( XX/XX/XXXX ). 

Paypal Inc. has to take legal action against the above ID Theft perpetrator account 'XXXX ' with Account ID 'XXXX XXXX ' ASAP so that I can protect myself from the said person 's threats against me and my family. 

XXXX XXXX Mobile # : XXXX Email ID : XXXX XXXX

Company response to consumer: Closed with explanation