hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint:
To Whom It May Concern, For some reason I am not appearing on any of the credit companies. I have been an authorized user on a few of my cousins accounts. I been using those cards building credit. But it never seems to show when I look up my credit score. 

I am hoping that they look deeply into this and see I have been making payments and doing what I need to do to build credit. 

I go back and fourth between my cousin 's house and mine and get mail at both but for some reason nothing shows. Was just on my credit karma account today. This has been going on a few months now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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: CA

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 2023-05-23
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: TX

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-01-31
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service
Company: Nelnet, Inc.
State: VA

Complaint:
After graduating from XXXX XXXX 2013, I was accepted at XXXX XXXX University with XXXX GPA. One year and a half later, due to family medical issues, my parents had to remove me from XXXX XXXX University. I tried to into a community college, but due to our debts at XXXX XXXX, they would not release my transcripts. My Dad saw an ad from the XXXX XXXX XXXX, stating if a student enlists in this service, their loans will be paid, and they will receive a bonus after completing XXXX and XXXX XXXX. This turn out to be an outright lie. Now over two years in the XXXX XXXX XXXX, proper training for XXXX, have not been granted to me. The recruiter officer, advised me and my parents, I will get $XXXX per month for XXXX XXXX, my bonus of $XXXX  after XXXX, and payment for my student loans, which never happen. So far it took one year for the XXXX XXXX XXXX to pay $XXXX, with most taken out in taxes. Six months ago, I sign up for XXXX XXXX XXXX in the XXXX and still waiting for my release papers. According to Nelnet, I have a student loan balance over $16,000.00.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint:
THIS ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29
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: NM
Tags: Servicemember

Complaint:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint:
i need all the wrong and old adresses removed from my credit files.

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 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: LEXISNEXIS
State: NY
Tags: Older American

Complaint:
In XX/XX/XXXX I was informed by XXXX XXXX that LexisNexis was showing a claim history for me ( including a {$31000.00} claim in XX/XX/XXXX ) that forced them to decline me homeowners insurance. 

I contacted LexisNexis and found out that they had mixed the records of an XXXX XXXX XXXX with mine ( XXXX XXXX XXXX ). When I asked them to correct this they told me they had 30 days to investigate even though the XXXX XXXX lived in another state and had insurance with a different Insurance company ( XXXX ). Claim number XXXX was assigned Despite dozens of calls and promises that they were expediting their investigation nothing happened. The " fix '' was as simple as getting the other persons social security number to confirm what I told them. I supplied the other persons phone number, address and insurance company as well as people at XXXX who could also have separated our records. 

LexisNexis may be a company most firms rely on but as far as I am concerned they need a big slap on the wrist for careless reporting and then a incredible lack of judgment and concern for their negligence. 

Recently they removed that XX/XX/XXXX claim from my file while incredibly leaving other claims for that same individual in my file. How can this company be allowed to operate when they can't separate two people who don't even have the same name. How many red flags do they need? 

This has cost me hundreds of dollars in insurance premiums as the insurance policy I was quoted became unobtainable. In addition, I have spent dozens of hours and endured frustrating discussions with poorly trained employees I would like them to be fined and I would like to be compensated for their negligence Anyone in my shoes would understand that LexisNexis needs to retrain employees as well as overhaul how they collect, record and file information Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint:
On XX/XX/XXXX, I purchase a ticket through XXXX. When I got to the payment screen there was an offer to open a XXXX XXXX and get a {$400.00} statement credit and XXXX miles. I accept it the offer and apply for the card and comply with their requirements. Today, XX/XX/XXXX I got in contact with AMEX, and I was told that because I already had another AMEX CARD ( not XXXX ) I couldnt get the bonus. No where on the offer said that a customer couldnt get the offer if you had another type of AMEX card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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: ACS Education Services
State: PA
Tags: Older American, Servicemember

Complaint:
The Promissory Note I signed in XXXX was a one time consolidation loan, not an MPN Promissory Note. That was my error in the information submitted in the complaint. Again an MPN can only add loans to it for 10 years. The 10 years were past by 5 months in XXXX of XXXX. The Promissory Note to be legal was required to list a specified time aka standard repayment schedule, it does not. There is no such US legal Valid Promissory Note pay till you die unless it is with the XXXX of which I am beginning to suspect is the situation. The Promissory Note expired in XXXX per the Department of Education advisor I spoke with. ACS and XXXX had no legal grounds to resurrect and consolidate, XXXX cancelled, never dispersed, XXXX dollar value XXXX XXXX XXXX to my XXXX account, that weren't part of the original one consolidation loan in XXXX because they didn't exist after XXXX, that is illegal. Again confirming the XXXX connection with the XXXX Servicers. The Promissory Note Per the Department of Education was invalid in XXXX of XXXX and by US Law and Department of Education Policy should have been closed by ACS.

Contact the Department of Education they will tell you they are the loan holders of my XXXX. Not the XXXX XXXX XXXX Servicers and their banking cohorts!

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: 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: NJ

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
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: EQUIFAX, INC.
State: MD

Complaint:
I need Equifax to remove the delinquency status of a creditor XXXX from my report based on the attached letter from the creditor of which they have a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
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: IL

Complaint:
In XX/XX/2018, I had a secured XXXX XXXX credit card that I have maintained for over a year. A few days following, one of the credit bureaus filed an alert that stated that my XXXX XXXX application was fraudulent, which prompted XXXX XXXX to close my account followed by a phone call from them to inform me of the closure of my account. I was extremely livid about the action. My credit score and report suffered as a result of this action. I filed a complaint with the Fair Credit Reporting Bureau against all three bureaus because I did not know which bureau filed the false claim on my account. XXXX and XXXX replied to the complaints in a timely manner, stating that they did not make a claim of my account being fraudulent. But Equifax never replied, hence discovering who had the most probable cause with committing this transgression against me and my credit standing. I tied reaching out to Equifax on multiple occasions by phone and and online, but no one bothered to reply. I filed a claim against Equifax with the Illinois Attorney General 's office, but after a few months of waiting for a reply from Equifax and only receiving one reply from the, which probed me for additional information, I was unsatisfied with their response. The Attorney General 's office closed my case because they claimed that there was not much of anything else that they could do. Now, I am seeking damages for Equifax 's actions that damaged my credit score and report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
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: EQUIFAX, INC.
State: NY

Complaint:
I have asked for validation for XXXX, and XXXX XXXX as I am no longer responsible for these accounts. I have called they credit card companies and am still instructed that disputes have to go through the credit reporting agencies. I am no longer liable for XXXX account, XXXX account, nor capital XXXX account. I have asked the reporting agencies if they can not furnish proof that these damaging accounts belong to me and are 100 % accurate they must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04
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: EQUIFAX, INC.
State: NC

Complaint:
Hello, Equifax is allowing an inaccurate reporting on the  XXXX  account in my credit file. The balance on this account is {$3400.00}. This account was charged off. This account also was cancelled/forgiven by sending the IRS and myself a  XXXX  in  XXXX  with an identifiable event code G, the decision or policy to discontinue collection. Equifax allowing  XXXX  to verify this balance on my report is a form of "  Collection  ''. After cancelling/forgiving this debt the balance should be then updated to {$0.00}. This is a failure to timely update the credit report required under FCR A 623 ( a ) ( 2 ).  Included a have a formal copy of my    XXXX   XXXX   from   XXXX  with all supporting info that this debt was cancelled/ forgiven/ extinguished. Also included is a copy of my drivers license and social security card for identity verification. This was last disputed with Equifax on  XXXX / XXXX / XXXX  via case number  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27
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: Santander Consumer USA Holdings Inc.
State: MD

Complaint:
Santander Consumer USA improperly performed an inquiry without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
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: EQUIFAX, INC.
State: TN

Complaint:
XXXX is re-aging and fraudulently reporting incorrect information on all three of my CBI 's and directly impacting my ability to obtain a mortgage. XXXX is reporting the date first major delinquency reported as XX/XX/XXXX. XXXX is also reporting major delinquency XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. None reported as XX/XX/XXXX. Second, the account is not late 189 days. The account is not in collections. XXXX charged the debt off after they were advised the charges were based upon fraud and forgave the debt. This conduct is retaliation on the part of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Product: Debt collection 
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt
Company: AMCOL Systems, Inc.
State: OH

Complaint:
I have an unverified account from AMCOL. I had previously disputed this account. I have never done business with AMCOL. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AMCOL Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AMCOL Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint:
XXXX XXXX XXXX XXXX has made it harder for me to obtain loans and get help in this hard time reporting false information to XXXX, and trans union causing damage to my credit score making it even harder to provide for my family it's been very stressful.

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: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint:
After opening a new account earlier this month, I deposited my very next paycheck via mobile upload. I was fully expecting to wait a few business days for access to my money. After 5 days, and letting my account go into withdrawal, I looked closer at my account, and was notified that on XX/XX/XXXX .... 12 days after depositing my check, my money will be available. If I had been notified beforehand, or upon completion of the upload of my check, that this would be the case, I would have decided differently. Like most people, I live from paycheck to paycheck. I am a nurse who drives to work, and must purchase gas and food for the next XXXX weeks, until my next paycheck. I can not afford this extreme surprise so early in our relationship. I went to the bank in person, and was told there was nothing they could do. No concern for how I'll live or eat or commute for the next XXXX weeks, no looking into any way of resolving this issue. No attempt to provide options. I felt like a XXXX in a new place where I hoped to save money, and grow it while making life a little bit easier. 
Quite the opposite was what i found. 
I have since had to borrow money to buy gas and food and utilities. Rent is not due for another XXXX weeks. I am so glad. This could have put me in the streets. Thank you for listening, and providing a way to be heard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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: EQUIFAX, INC.
State: FL

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

Company response to consumer: Closed with explanation