hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2020-04-04
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: VA
Tags: Servicemember

Complaint:
Since XX/XX/XXXX XXXX XXXX XXXX ( Mortgage owned by XXXX XXXX XXXX  ) stopped reporting the status of my payments, which were made on time. By failing to report the status of my recent payments, it lowers my credit score preventing me from re-financing. I have filed complaints with both XXXX, and then the credit bureaus. XXXX  closed the complaint without changing the status of payments since XX/XX/XXXX. The payments should be reported as on time, since XXXX failed to report the status to XXXX. In XX/XX/XXXX, XXXX  XXXX XXXX stopped using XXXX XXXX   XXXX  to manage mortgages, and it is now with XXXX XXXX. I would like XXXX  to change the status of the payments from XX/XX/XXXX to XX/XX/XXXX as on time or current instead of " not reported ''.

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 2022-05-31
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 requeseting to update and correction of these suspicious accounts I found on my Credit Report. Upon reviewing a copy of my updated credit Report, the previously disputed accounts are still reporting erroneous information on my Credit File. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaints, and I'm including them again. XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$400.00} ; XXXX  XXXX XXXX XXXX Balance {$600.00} ; XXXX  XXXX XXXX XXXX Balance {$7200.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX  XXXX XXXX XXXX Balance {$3600.00} ; XXXX XXXX XXXX XXXX Balance {$6400.00} ; XXXX XXXX XXXX XXXX Balance {$4600.00} ; XXXX  XXXX XXXX XXXX Balance {$3000.00} ; XXXX  XXXX XXXX XXXX Balance {$6100.00} ; XXXX XXXX XXXX XXXX Balance {$5700.00} ; XXXX XXXX XXXX XXXX Balance {$2900.00} ; XXXX  XXXX XXXX XXXX Balance {$2800.00} ; XXXX  XXXX XXXX XXXX Balance {$4200.00} ; XXXX  XXXX XXXX XXXX Balance {$2800.00} ; XXXX  XXXX XXXX XXXX Balance {$2300.00} ; XXXX  XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX XXXX Balance {$2800.00} ; XXXX XXXX XXXX XXXX Balance {$250.00} ; XXXX  XXXX XXXX XXXX Balance {$5800.00} ; XXXX XXXX XXXX XXXX Balance {$3200.00} ; XXXX XXXX XXXX XXXX Balance {$4100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1300.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$7500.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00}

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 non-monetary relief
Consumer complaint received 2022-08-22
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint:
I signed up for advertising account through XXXX with an representative and I was told by the representative that there would be a flat fee rate and I would not go over my budget. I have a confirmation of services. After signing up, XXXX started billing out of budget. I didn't catch the initial charges but notice that my account was negative. I contacted my representative but did not get any response, so I contacted the company ( XXXX ). I was told to submit a refund request. I did but nothing happened and I continued to get charged. I was told that I had to manually cancel from the website but it was not easy and had to be walked through from another representative. This process was long. I contacted my bank and told them what was going on however I was told nothing else was needed and they would contact me if so. I waited an email but Wells Fargo sent a letter to my mailing address instead of contacting me by email as I contacted them. I didn't get the correspondence within time so my claim was denied. I have the initial contract between XXXX and do not see how a company can charge whatever they feel and my bank that should help me, left me paying a fee that was never agreed. I am a small business owner and can not survive with companies taking advantage. I really thought my bank would help but was never given an opportunity. This charge has caused my account to be affected negatively in not acquiring help from other due to the incidents. This was a huge hit to my company financially.

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 2021-10-11
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: Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint:
I have contacted the credit bureaus and XXXX BANK XXXX XXXX to remove this account that was open on XXXX XXXX, 2014 ( 7 yrs, 8 mos ) which make it obsolate under the 7 years statute of limitation of the FCRA. The account is also fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint:
Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/XXXX and sent a follow up Letter dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. I am submitting this compalaint requesting that the Credit Bureaus correct the following items to protect my rights under the Federal Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX DEPTEDXXXX XXXX XXXX : {$1200.00} DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX XXXX Balance : {$1900.00} DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/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 2022-06-19
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: VA

Complaint:
In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX XXXX XXXX Acct 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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: Bread Financial Holdings, Inc.
State: CA

Complaint:
Hello there, So on XX/XX/2023, I received notification from my bank and XXXX XXXX app stating you had a single hard inquiry on your XXXX credit report, and while I opened my credit report, I saw there was one hard inquiry from COMENITYCAPITAL/SEPH on XX/XX/2023. When I XXXX it, I found this is the Sephora credit card, but I never applied for this card and have not even applied for any other credit card or loan since last 6 months. 
So please dispute it and suggest to me what to do about this theft of my personal information. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
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: VA

Complaint:
Mailed the letter to EXPERIAN for their violation pursuant to FCRA 604 - 15 USC 1681b. Permissible purposes of consumer reports. I, XXXX XXXX XXXX XXXX being the original creditor and consumer never gave EXPERIAN any written consent, and no authorization to report anything on my consumer report. No consent is Identity Theft. 

Please see attachment

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 2017-07-05
Product: Checking or savings account 
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint:
As a reported identity theft, i notify to Capital one 360 and capital one with a checking account and savings account i used to had with them, so after few days review, they reopen my account, but they continue on " internal verification '', so after 2 weeks probably, they closed my accounts, and say they ending relationship with me ... but im sure that can change because i made the report based on my identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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: Mortgage Research Center, LLC
State: HI
Tags: Servicemember

Complaint:
On XXXX, Veterans United Home Loans pulled a hard inquiry on my credit report without my consent. I didn't complete the application on their website on XXXX because they don't provide soft inquiries on credit report for pre-screening but they still pulled a hard inquiry two days later without authorization.

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 2021-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint:
My XXXX XXXX XXXX XXXX XXXX  was removed from my credit report. XXXX  told me it was because the lender ( XXXX XXXX XXXX ) told them to do so. I called both parties who blamed one and other and told me there wasnt anything I could do. My account is sure to and paid with a XXXX $ availability. Therefore inaccurate information is being reported. Im not receiving proper information and its directly affecting my credit which I find very unfair! Please help 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 2019-12-03
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint:
On XXXX XXXX, I traded in my XXXX " XXXX '' valued at that time by XXXX being {$7000.00} for a XXXX XXXX XXXX leaving me in debt with PenFed of XXXX. After hiring a Power of Attorney and falling into financial hardship, I have discovered that I was manipulated, bamboozled, and hoodwinked and through fraud I was pressured into signing paperwork and doing something I would of not done if I was instructed properly.That 's if I knew the law, had an Attorney, or knew my rights as an American. I was legally incompetent at the time I signed the " Finance Agreement/Contract ' and didn't understand what I was doing. If I had realized what I was doing and as my Lawyer told me was not an " Infant '' when I traded my " XXXX '' I would of not wisely went {$20000.00} into debt. I fill I have been exploited, mistreated and manipulated into believing the deal for my XXXX XXXX XXXX would be a better deal. I want to renegotiate the Retail Installment Contract with my Power of Attorney, and I request a New Deal. 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 explanation
Consumer complaint received 2023-05-22
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: OH
Tags: Servicemember

Complaint:
I have sent XXXX... Certified mail with my complaints .... I even filed several complaints with the CFPB ... with the same issues and they did nothing. Under 15 USC 1681 i have the right to privacy, and I did not give XXXX, Equifax, or, XXXX written permission to report any of these items. under 15 USC 1681 602 ( 4 ) 604 ( A ) 623..This federal law spells out the duties of a data Furnisher..Under these standing laws ... these bureaus are acting Misleading, and fraudulent by continuing to report fraudulent and misleading items on my bureaus ... All the following items must be removed, because of the fraudulent acts ... and there inaccuracies. they are the following ; XXXXXXXX XXXX  ... XXXX XXXX XXXX XXXX XXXX XXXX is still reporting my XXXX XXXX... they are using a XXXX party data provider XXXX XXXX, or organizations like that to obtain information..illegal ! The courts do not provide any information. XXXX XXXX XXXX is still reporting on these bureaus..I had GAP INSURANCE, so the debt was paid and should report accordingly! Last, these hard inquiries should be removed because these fraudlulent.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . all names and addresses, jobs that doesn't match my current information must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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: OR

Complaint:
Equifax was compromised and therefore my private data has been leaked onto the internet. People can now steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
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: GA
Tags: Servicemember

Complaint:
I have sent transunion 3 different letters on 3 different occasions about a couple of things that are on my report reporting incorrectly that should not be there. I ve repeatedly asked them on several occasions to either show the accounts as simply delete them all together. Ive asked them to provide me with documentation on how these accounts are showing this information and they haven't provided me with one shred of evidence. They say they got the chapter XXXX bankruptcy information from my lexis nexus account but that account is frozen. Therefore that is false information. The court that they also said I'm bankrupt threw said they do not give out information to credit bureaus at all so how are they getting this information to put on my profile? If this is not resolved in timely manner I will be taking legal action. 

the accounts are as followed Chapter XXXX bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Product: Debt collection 
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MI

Complaint:
I was renting apartment in XXXX, MI and the utilities was submitted through the landlord. I notified the landlord that I was moving and set a date to move out. I move out on the agreed date. The landlord must of kept the utility bill running for months after I left. I never received any notice from Consumers energy or the landlord of any bill. I later received a phone call from a collection agency stating I owed on a utility bill from consumers energy. I was confused but I agreed to pay the bill but the company needed to remove it from my credit history etc- since I had not clue that occurred.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
I check on my credit report and it showed I have 7 credit cards and 1 loan, but in fact I only have 1 credit card and there is no balance on the card. I've never applied for loans!

Also I was told there is a delinquency which affected my credit scores. I believe someone has been using my identity and taking a load without my permission. It has seriously affected my credit score. Please 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 explanation
Consumer complaint received 2018-02-23
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:
FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3.  XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX XXXX, XXXX XXXX FL. XXXX 3. XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT PHONE NUMBERS : 1.XXXX 2. XXXX XXXX. XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX 13. 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 2020-03-04
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: AR

Complaint:
A few months ago upon reviewing recent copies of my credit report, I realized that my identity had been compromised and I have become a victim of identity theft. I immediately notified the three major credit bureaus Transunion, XXXX, and XXXX. I sent out numerous dispute letters along with supporting documentation. I recently submitted an identity theft report from the Federal Trade Commission which included some of the Fraudulent accounts in question. In addition I attached a copy of my drivers license, social security card, and a utility bill. After noticing fraudulent personal information listed on my report, I submitted and updated personal information request to remove all fraudulent outdated information including incorrect or wrong names, phone numbers, addresses, and etc. I have yet to receive any verification from in regards to my dispute and it has been well beyond the 30 day time frame allotted under the Transunion Fair Credit Report. Transunion has violated section 605b, 609, and 611 under the Fair Credit Reporting act and should be held accountable.

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 2022-10-07
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: VA

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. 

XXXX 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 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 explanation