hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2020-08-17
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: Harris & Harris, Ltd.
State: IL
Tags: Servicemember

Complaint:
XX/XX/2020 HARRIS & HARRIS, LTD Agency number XXXX has placed a debt on my credit file fraudulently and it is negatively affecting my credit. I have written this collection agency numerous times asking for VALIDATION of this debt with no proper response to my request under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. The amount that is said to be owed is  {$150.00}. I have no knowledge of this debt or have never entered into any agreements with this company. I would like for this tradeline to be removed from my credit file as soon as possible. The original creditor number that is listed is XXXX. 
This erroneous and illegal tradeline is damaging my credit greatly! Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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: AZ

Complaint:
So my name is XXXX XXXX and my information was impacted by the Equifax Data Breach and may have gotten into the hands of the wrong person. This letter is a formal complaint that Equifax is reporting inaccurate and incomplete credit information. I am distressed that Equifax have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I demand these accounts be deleted immediately or I am filing for litigation. I am educated about FCRA Laws and that law plainly stated that a failure to investigate these items within Thirty days gives a reason to immediately remove those items from my credit report it has been over THIRTY days so they should be deleted promptly. I am an educated woman and I know the laws and my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint:
My bank account had over {$1500.00} of unauthorized transactions placed on it..I had no clue what they were. I opened a claim stating fraudulent charges were made. After the investigation I was told my claim was denied! I was told the reason for denial was '' it appeared to the bank that I myself had placed the charges '' ... In the initial claim I had explained to the bank that my phone with all my information stored on it ..was stolen prior to the charges..that means all my accounts passwords etc were accessible! They didn't give me the opportunity to appeal their decision!! Nobody would listen! They were rude and ugly about it also! The people that can do these fraudulent activities..have the ability to make the charges appear to be YOU!! Isn't that what fraudulent means! so deny my claims of fraudulent transactions due to it appearing to be myself that had made them doesn't seem correct! I feel I wasn't being heard and the treatment that followed the claim was unjustified and uncalled for! I had been customer with Capital One for some time when this occurred. With no prior mishaps or claims! The first one I get and this is the treatment I was handed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
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: EQUIFAX, INC.
State: FL

Complaint:
equifax, XXXX  and XXXX has some accounts on my credit that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint:
In XXXX of 2019 and also XXXX of 2019 i sent letters from XXXX  and also XXXX  XXXX about inquiries which didnt belong to me to transunion yet they are still on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-29
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint:
I have an Ashley Furniture credit card ; there 's been a pending charge to my card since   XXXX  2016    from a store ; which no one seems to know or ca n't locate. I reside in  XXXX , I 've always paid cash for my purchases at this store ; yet they provided me the store phone number. I humored myself and made the call to hear, what I already knew.  I spent two hours on the phone on a Sunday and Monday ; trying to fix this situation ; yet 6 months later with still this pending charge ; 1 month continuously trying to rectify this situation. I 've had to call numerous store ; which the customer represent constantly, rude or tell me where I to need to call.  Then I had to call Colorado and that the represent was rude and told me their store does n't handle fraud. I 'm continuously, going around in circles, if I close the account it becomes as a negative mark against me. Which I contacted to cancel the card since I ca n't get it straight, now I ca n't close because I have a pending charge. Which on my statement I do n't have a balance ; what is the time frame a consumer has to whole this so-call pending charge on my account. Why is n't red flags against my acco unt for this. Wonder, why fraud is on the rise.

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 2022-05-06
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: TX

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint:
I disputed a closed, wrong reporting acct. They never sent verifiable proof, can't connect the address to the account, this has been going on for over 1yr.

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 2020-04-14
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: NY

Complaint:
Since XX/XX/2019, I've mailed each bureau about 3 times to fix some incorrect information on my credit report. The incorrect information is still displaying on my report. I also asked them to tell my how they verified each item and the credit bureau has failed to do it. It's been pretty frustrating seeing incorrect collections hurting my score.

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 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-01
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: Pickett Law, LLC
State: MD
Tags: Servicemember

Complaint:
I moved to the property where I currently live in XX/XX/XXXX. In XX/XX/XXXX, I received a bill in the mail for water and sewer for the period of XX/XX/XXXX through XX/XX/XXXX. I paid this bill on XX/XX/XXXX. Also, in XX/XX/XXXX, I received a bill in the mail for water and sewer for the period of XX/XX/XXXX through XX/XX/XXXX. Again I paid this bill on XX/XX/XXXX. 

The water and sewer bills recommend to pay the bills on XXXX XXXX XXXX XXXX, XXXX. website. XXXX XXXX XXXX  website recommends to pay the bills through a third party which in my case was XXXX. I have the receipts of payment for both bills from XXXX 

Yesterday, I found in the mail a Notice of Intention to Create a Lien against my property from Pickett Law Firm. I first called Pickett Law Firm yesterday, It was after office hours. I did not get a chance to talk to anyone. This morning, I called again around XXXX XXXX Pickett Law. They put me on the hold until the call ended. I also reached out to XXXX XXXX XXXX XXXX XXXX  after the call to Pickett Law. The lady I spoke to, indicated that the issue is already at the Pickett Law firm level. So, they can't help me. I would have to contact the Pickett Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
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: Experian Information Solutions Inc.
State: CT

Complaint:
After reviewing my credit report I found personal items that are not correct. 

My name is XXXX XXXX - please remove XXXX XXXX XXXX and XXXX XXXX XXXX My telephone number is ( XXXX ) XXXX - please remove ( XXXX ) XXXX My address is XXXX XXXX XXXX, XXXX XXXX, CT XXXX - please remove these addresses that I have never lived at or may belong to relatives. 

XXXX XXXX XXXX. XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CT 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 2021-03-16
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: ACIMA CREDIT, LLC
State: OH

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint:
In accordance with the fair credit reporting act this creditor ( Capital one ) has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: CA

Complaint:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$10000.00} Date opened XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXXXXXX XXXX XXXX XXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXXXXXX XXXX XXXX  XXXX Balance {$10000.00} Date opened XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
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: EQUIFAX, INC.
State: AL

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Creditors Equafax, XXXX These account have inaccurate chargeoffs on my credit profile.i would like a thorough investigation, retaining to dates, addresses and payment history. The account numbers last for provided. The creditors charged me off and charged {$230.00} and collection agencie XXXX XXXX charging the {$1200.00} .account are came creditor XXXX XXXX XXXX amount {$230.00} XXXX also have some errors on account. It doesnt provide all information needed for verification. I would like investigation aswell for this account. For charge off. 

Account # XXXX Amount {$3800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
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: FL

Complaint:
I am bothered by the actions made by the Credit Reporting Agencies! This is my 11th CFPB Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$82.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Product: Vehicle loan or lease 
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint:
15 us code1635 right of recession gives borrowers an extended right to rescind within three years if the lender has failed to provide to the borrower either the notice of rescission or accurate material disclosures. 


I dont have title I don't want account any longer don't have proper paperwork don't want contract any longer voluntarily repo Can't get the car registered fail behind in dmvs fees due to inaccurate material disclosure... please take the marks off my credit report

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-27
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint:
I was contacted by XXXX XXXX regarding an alleged debt owed to XXXX. I did not recognize the debt, I disputed the debt and asked for clarification. This has gone on for several years with various other collection companies. Most recently, I have received collection noticed from XXXX XXXX, then when I again disputed the claim, I began receiving collection demands from Resurgent Capital Services L.P. Again, I immediately disputed the debt and asked for validation. I received communication from Resurgent " enclosing verification of the debt '' which turns out to be an " Account Summary Report '' prepared by Resurgent, adding their collection costs, and a pamphlet regarding Resurgent 's services, with the notation that I should contact them within thirty days or the debt would be deemed valid. In every correspondence, I have specifically requested verification that I owe the debt, I have told them to cease and desist with their debt collection actions, I have sent them all certified mail, return receipt requested. They have received every correspondence. The amount they are trying to collect is {$340.00}. This has been going on for a few years now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18
Product: Debt collection 
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action
Company: D. SCOTT CARRUTHERS
State: CA

Complaint:
Repeated calls minutes apart to included people unrelated to me. Called to others unrelated to me at XXXX followed up with additional calls at XXXX. Harassing telephone calls and messages with threats. Nothing ever receiving in writing. Never states who they are or who the debt is owed to but calls not returned will start litigation. Calls from an XXXX that does not accept calls but told to call an XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
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: Experian Information Solutions Inc.
State: CA

Complaint:
I have filed for removal of a bankruptcy public record I have on my credit report. Last XXXX, Experian removed it from my file for about 30 days. So I disputed it again and it was removed but a few hours later it was removed. There is no way US Court responded so fast. Experian is punishing me on purpose. I called my attorney and was I should be able to get it removed. XXXX and XXXX have removed it last XXXX but have kept it off. Experian is giving me trouble for no reason. They had already removed it why place it back on. US Court claims they should be able to remove it but I told them they wont.

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 2019-11-19
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

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