hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2018-07-03
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: Experian Information Solutions Inc.
State: NY

Complaint:
In XX/XX/XXXX I went to the Mortgage broker to get pre-qualify to purchase a home. To my surprise I was denied. They said it was because of my credit report. I was confuse, after months of doing some in depth research with the help of some friends and family, It was clear that I was a victim of identity theft. I eventually went to ftc.gov and got instructions on how to dispute the negative information. I submitted my first id theft dispute along with detailed documentation as proof that I was a clear victim of Identity theft XX/XX/XXXX to all 3 credit bureaus all the other bureaus remove the negative accounts but to my surprise Experian responded stating that after the investigation they have found that I was responsible and the accounts belong to me. That's it no evidence or proof of their investigation

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 2018-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: National Credit Systems,Inc.
State: VA
Tags: Servicemember

Complaint:
I submitted a settlement offer to the company with terms as a contract that stated if they accepted and cash the check that was enclosed with the offer they would remove the negative item form both my husband and my credit reports with all three reporting agencies. The offer was accepted and the check has been cashed and the account has been paid but it is still showing negative on my husbands credit report. I sent the contract to them and it was dated for XX/XX/2018 with check enclosed for the amount of {$27.00} that was cashed on XX/XX/2018..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Product: Debt collection 
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: RI

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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: MD

Complaint:
This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX  out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$53000.00}.

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 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint:
The loan with XXXX was paid on XXXX, however it continued to be reported that I had 2 auto loans out at that time. My FICO score was well over XXXX prior to getting the new loan. My score is in the mid XXXX now! Apparently the other two credit bureaus have NO SCORE for me according to your site that I was just on? 
What in the world is going on?? I can not even attempt to purchase anything with this XXXX  score!! 
Do the 3 bureaus share information?

Please help!! Thank 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 2019-11-19
Product: Student loan 
Sub-product: Federal student loan servicing
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: WELLS FARGO & COMPANY
State: NY

Complaint:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both the credit bureaus and XXXX XXXX with no successful resolution. The credit bureaus only reporting me late. There was definitely an error on their part. I was never late.

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 2018-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint:
Bankruptcy listed with XXXX, XXXX and Experian has incorrect information listed. Bankruptcy is listed with a XXXX dollar amount. Disputed with credit bureau asking for them to provide proof of how the information was verified. No information was provide

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 2017-04-27
Product: Debt collection 
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls
Company: Strategic Alliances, Inc.
State: SC

Complaint:
Called from an  XXXX  GA number but company is physically located in  XXXX   XXXX  Ga. It is my belief that this company is utilizing phone spoofing software to alter the area code of the number calling to hide their true identity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint:
Im a victim of identity theft. A. fraudulent account from XXXX XXXX XXXX, was recently placed on my credit report. Ive tried speaking with both credit bureaus and the collection agancy. Ive also sent multiple copies of FTC reports requesting this information be blocked from my credit report. 
Ive never done business with XXXX XXXX XXXX, Or XXXX XXXX XXXX XXXX nor or signed into a written contract with these companies. This is a fraudulent account!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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: FL

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Product: Debt collection 
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: State Collection Service, Inc.
State: MD
Tags: Servicemember

Complaint:
State Collection Service , Inc XXXX XXXX  XXXX XXXX, WI XXXX I discovered a debt belongs to my late wife in my credit report. 
This company was hired by XXXX XXXX XXXX in XXXX Maryland last XX/XX/XXXX. I paid the debt in full for the final bills they never sent to me after my medical insurance paid them {$17000.00}. 
I paid {$370.00} in postal money order and sent to XXXX XXXX XXXX on XX/XX/XXXX as agreed with a representative in their billing department. 
On XX/XX/XXXX this collection company updated the debt {$370.00} as current. This is Fraud and false information for the debt no longer exist. Today XX/XX/XXXX I contact and leave message and a written explanation to ask them to verify the debt and remove all negative remarks and not accurate information from my credit report. 
I also call their consumer relations leave message. Everyone at their company are notified. 
US Postal Money Orders XXXX {$370.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Maryland Mailed Certified with Return Receipt I am asking the FTC Consumer Protection to fully investigate this company and their bad business practices hurting consumer like myself. I am a citizen of this country and a XXXX XXXX, and this is how they repaid me for served this country for shady business like this in America.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
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: Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: CA

Complaint:
I completed the lease term on my XXXX  XXXX  this XXXX. 
I have NEVER been late and I settled my end of lease commitments and I closed out my account with a XXXX balance. In XXXX, I received a {$30.00} bill from GMC Financial. I called GMC Financial and they said it was an error and to disregard it. I had XXXX balance. In XXXX, I received an alert from my XXXX  XXXX monitoring with a 30 day derogatory on my credit report. I call GMC Financial again and they said they would correct it. There were notes in the system from my previous calls already. They said they would fax me a letter to confirm and they never did. Again, in XXXX, I received another alert saying I was 60 days late for {$30.00} to XXXX XXXX. I called them again and they confirmed the notes in the system and agreed they were correcting the matter. They said they would fax me a letter and again, they never did. I've called and complained two more times after and finally I received a faxed letter saying I have never been late. See Attached. 

Yesterday, I was denied a my new lease vehicle because of the incorrect late payments reported by GMC Financial. GMC Financial ruined my credit and the ability to buy a new vehicle. The new leasing company is requiring XXXX down payment as a result of these recent late payments. GMC financial has affected my financial livelihood with their negligence and poor customer service. 
This is disheartening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11
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: FL

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-02-24
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: Bread Financial Holdings, Inc.
State: VA

Complaint:
I keep receiving threatening phone calls from this number XXXX ( XXXX ) XXXX. I paid the XXXX XXXX ( Comenity Bank ) before I purchased my house over 3 years ago. The person keeps calling from the phone number XXXX ( XXXX ) XXXX threatening me with law suits and going to my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Product: Credit reporting 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: PA

Complaint:
I XXXX XXXX Have unauthorized inquiries appearing on my credit report I have attached documentation below. 
1 XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXX Date of inquiry XX/XX/XXXXXXXX  4. XXXX XXXX Date of inquiry 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 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint:
Account not mines. Submitted FTC report. 

1 Original creditor : {$90.00} Account number XXXX 2. Original creditor : {$650.00} Account number XXXX Remove Inquiries 3.XXXXXXXX XXXX  4.XXXX XXXX XXXX XXXX 5.XXXX 6.XXXXXXXX XXXX XXXX XXXXXXXX 7.XXXX XXXX XXXX 8.XXXX XXXX 9.XXXX XXXX 10.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX
Tags: Servicemember

Complaint:
Student Loans were in forbearance by the US government until XX/XX/2023. I applied for income based and received the run around until I filed a complaint. Then all of a sudden I got a letter saying I had a payment due that was not there before I complained. Why are my student loans forbearance?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX, XXXX, XXXX Wrong Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employers : XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Product: Debt collection 
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint:
XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2021-12-20
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: AL

Complaint:
I mailed an Affadvit to Experian via certified mail on XX/XX/2021 pointing out the inconsistent information with 3 accounts reporting on my credit report. I provided copies of my credit report showing the errors that they were reporting. They received this packet on XX/XX/2021 per USPS tracking : XXXX. They responded back to me via digital response through their app on XX/XX/2021 saying the accounts were verified as accurate. I sent another letter certified mail on XX/XX/2021 asking them to provide me with the documentation and methods of verification which I have a right to obtain per the FCRA. They received this on XX/XX/2021 per tracking USPS : XXXX. They responded virtually again stating the account was verified, again not providing the requested information of verification methods. I wrote a final letter and sent it certified mail again on XX/XX/2021 making a final goodwill attempt to receive the requested information of methods of verification or deletion of the invalid information. They received this on XX/XX/2021 per tracking USPS : XXXX. They responded to me again virtually just saying the information was verified and not providing me the information I requested for. I am filing this complaint as they are not complying with the FCRA and they are reporting invalid information to my credit report that must be deleted per the FCRA. Please see the documentation below including information I provided from my credit report of the invalid 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