hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2021-02-28
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: Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: CA

Complaint:
Fidelity Rewards Visa Signature Card XX/XX/2020 XXXX # XXXX XXXX, CA {$97.00} XX/XX/2020 XXXX XXXX # XXXX XXXX XXXX, CA {$250.00} I reported to Fidelity Cardmember Services on XX/XX/XXXX after discovering above two fraud transactions immediately. I explained to Fidelity agent that I didn't purchase anything from above two stores personally nor did online shopping on XX/XX/2020 or nearest dates. 

After several calls with Customer services, the agent still insisted that card holder presented to the store and made the transactions. The agent failed to provide more details. 

Therefore, I have to ask CFPB to get involved and help to solve my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-02
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: NJ

Complaint:
After checking my credit I realize that I have been victim of identity theft, inquiries has shown in my credit report that i did not authorize.

An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file, please remove any other address, other than my current to prevent others to use my name. I'm reporting this as an effort to clear my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Product: Checking or savings account 
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint:
On XX/XX/17 I received an email from Chase bank saying that my account was closed due to suspicious activity. When I tried to log into my account it told me the account is locked and I need to call a number ( ( XXXX XXXX XXXX ). When I spoke to the representative on the line ( Fraud Department ), she was very rude and not helpful at all. She said my account is closed ( after 10+ years ) and she wont tell me why because XXXX can do whatever they want and they dont owe me an explanation. 

Im at a loss for words here! I ended up going to a XXXX branch and spoke to a banker thinking this is a scam. And the banker told me that theres nothing they can do. She also told me she had another client this week with the same issue. It looks like this has something to do with receiving unemployment possibly. I have been receiving unemployment since mid XXXX due to COVID and in XXXX there was a fraudulent breach in the unemployment system in Washington state. I was not affected by this but I did have to confirm my identity with them which went through and I have been receiving payments to my checking account, until yesterday. I was dealing with unemployment for five weeks in regards to fraud and now possibly because of that situation, my checking account was closed. 

This is a very unfortunate situation for me due to not having access to my finances right away so I can provide for my family as well as not being able to receive unemployment assistance since it's connected to my checking account. I was supposed to get paid today and the payment did not go through since my account is no longer valid. I was told I will receive a check with the remaining amount from my account ( not sure when this will happen ) and I can never open an account with XXXX in my life. I dont understand why this is happening. I dont know why my account was closed without an explanation. 

So Im being punished for being a victim??? If this is truly regarding fraud and there was suspicious activity in my account, shouldn't I be aware of this information so I can take measures to prevent this from happening in the future? 

XXXX needs to figure out their policies and regulations and let people have a chance at life instead of kicking them while theyre already down. A lot of people are struggling right now during these devastating times were going through and are barely making ends but here they are treating their customer so horribly. I will never recommend Chase to anyone I come across after what I had to go through in the last 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Product: Debt collection 
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint:
After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse of remarks you not provided me a copy of any original documentation required under 15USC 1681G ( a ) ( I ) & USC16811 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all Information Which can not be verified.

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 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Tags: Older American, Servicemember

Complaint:
I have a charged off account that does not belong to me. I did not authorize it nor did I authorize someone to open the account under my name. I have many accounts opened under my name and this one appears to have been opened by the same person. I have filed a police report and FTC. I have submitted everything to XXXX and can not get any assistance to remove this. I am reaching out to you for help.

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 2018-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint:
I have contacted Transunion several times because i noticed they continue to report XXXX accounts on my credit file that does not belong to me, When i call Transunion to dispute i'm either left on hold, transferred, redirected and had to repeatedly call back hopefully to reach someone at Transunion. 

My call is continued left bouncing around for hours. Finally after many attempts, i was told by a Representative at Transunion that XXXX accounts can not be disputed though Transunion and is not Transunion 's policy to investigate fraud on a report. 

I told the representative at Transunion i did not sign or agree to any contract with XXXX, I did not Provide XXXX with my social security number, the address with XXXX does not match mine, the name does not match, i did not provide XXXX with my ID or phone number or wet ink signature. I did not agree to pay any debt or repayment loan with this with XXXX or any company they represent.

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 2023-04-06
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: TX

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint:
XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Birth date : XX/XX/XXXX Social Security # : XXXX Credit Bureau XXXX EQUIFAX Credit Bureau Address : XXXX XXXX XXXX, XXXX XXXX PA XXXX Date : XX/XX/XXXX Dear Credit Bureau Representative XXXX XXXX recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : 1 ) Name and title of the person who pulled my credit.

2 ) Date they purport that I gave permission.

3 ) Method they purport that I gave permission please include documentation of said permission. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint:
Discovered that XXXX does not report late payment greater than 30 days and that they only report greater than 90 days. On XX/XX/XXXX, according to agent XXXX XXXX with agent number of XXXX, he stated that my loans went out of deferment and the first loan payment was due XX/XX/XXXX, over 6 months later. Credit reporting agencies show that the loan was reported as " ok '' from XX/XX/XXXX thru XX/XX/XXXX. According to their records, they did not start reporting late until XX/XX/XXXX. I was not notified of loan coming out of deferrement status and in turn the loan has late payments from XX/XX/XXXX thru XX/XX/XXXX due to the false reporting of XXXX. They reported my loan as " ok '' from XX/XX/XXXX thru XX/XX/XXXX, when it was in reality in default. The loan has since been sold to XXXX and they are refusing to edit their false reporting of payments to all three credit bureaus. I have also included a deferment approval letter stating that my loan payments were never due. XXXX never communicated with me to notify me of loan payments being due.

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 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint:
I would like to permanently delete the negative item on my report that is paid. Details and proof is in the attachments.

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 2021-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint:
I have tried on a numerous occasions to file a dispute with Transunion but they will not remove XXXX collection account from doctors that's is not mine. They removed them and then the next month put them back on my report. I told them I have never seen these doctors. I was also told it's against Hippa laws any medical collection to be on my report. I don't know if that's true all I know is that these are not my doctors. And now I can't see my credit report from Transunion at all but today I was denied credit because of a recent charge off that they're reporting I had. This can't be fair at all.

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 2022-07-19
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint:
there are unaccounted balances made on my account due to fraudulent activity being conducted. in result this has hindered me from opening any bank account. i have never made any of these deposits nor owe any bank or financial institution any 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
Consumer complaint received 2022-03-31
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: IL

Complaint:
Vehicle illegally obtained in my identity Account # 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 2022-07-14
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: KY
Tags: Servicemember

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, and 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 2022-04-14
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:
I have a auto loan for a car with XXXX XXXX. I don't even own possession of the vehicle with the account they have me associated with that is still open. 
1. Account is reporting with 3 different amounts of high credit. 

If this is the same account being reported by the same creditor, why are my XXXX XXXX Account, XXXX XXXX Account, and my experian account have different amounts? 

In accordance with the fair credit reporting act XXXX  Account # 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 explanation
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2016-03-10
Product: Debt collection 
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint:
I received a letter in the mail stating I owe {$1800.00} to Midland Funding and/or XXXX, with the original creditor being XXXX. I have NEVER had any account with XXXX, let alone even knew such a company existed. This is a completely fraudulent collection done by a company in plenty of legal hot water currently. Maybe they are fishing for 'free ' money from unsuspecting consumers by mailing out fraudulent collection notices to people. I demand both Midland Funding and XXXX to cease and desist with this fraudulent collection, or I WILL seek legal representation. A collection agency can not just send out these letters claiming people owe an exorbitant amount of money to them without any legitimacy and hoping uninformed people will just pay to protect their credit!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-25
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: Experian Information Solutions Inc.
State: NY

Complaint:
I paid my car off on XXXX XXXX, 2017 with XXXX XXXX XXXX. 
The Credit reporting agencies are reporting that my account is in delinquent/collection charge off and that I owe this company {$43.00}. 
This is not true. I have contacted all three credit reporting agencies and XXXX XXXX XXXX. I have submitted accurate PAID IN FULL information to all crediting reporting agencies and they still tell me XXXX XXXX XXXX is still reporting 38 days later that my account is deliquent and a collection charge off. WHICH IS FALSE reporting from all credit reporting agencies and the company I had my car loan with. It is damaging my credit I have worked so hard to rebuild after my bankruptcy discharge. I was promised by all three reporting agencies and the company .. that it would change it to a paid in full tradeline and it has been over a month and nothing has been changed. This has affected me financially and has affected getting my children proper college loans for their college needs which starts in four days. 
Somebody please help me im at my wit 's end. 
Someone please do something!!!!

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 2022-07-28
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: MO

Complaint:
I am appalled by the ability of the Credit Bureaus to ignore my letters and not comply with the FCRA section 605b despite all the letters and complaint I have been submitting to them. I am frustrated by these action taken by the Credit Bureaus. The last letter I sent to the Credit Bureaus was dated XX/XX/XXXX with complete attachments of my Driver 's license and Proof of billing address as well as the ID THEFT REPORT I received from the FTC. I have read that the Credit Bureaus are required to remove any accounts and information that a consumer identifies as an item that resulted due to identity theft. I am now submitting this complaint to protect my rights under the FCRA which is clearly being violated by the Credit Reporting agencies by continuing the reporting of the accounts and information without proper verification. Pursuant of the FCRA XXXX XXXX, I need the following items removes as from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. 
XXXX F XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX CT XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-02-15
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: Business & Professional Collection Service Inc
State: CA

Complaint:
Business & Professional collection services is reporting XXXX accts which I paid & they agreed to remove from my credit when they accounts were paid. I 've contacted all XXXX of the bureaus and XXXX has removed the accounts. XXXX & XXXX however are still reflected as a current collection on my credit report. I know this is a violation of the FCRA especially when the company agreed to remove it when it was paid. I 've tried contacting them through normal mail, phone & the bureaus but they are ignoring my requests. Can you please assist me in getting these XXXX accounts removed from my credit?

Company response to consumer: Closed with explanation