hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 2022-09-27
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: IL

Complaint:
I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some Collections reported 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 Your company is in clear violation of the law. Under IS USC 1681C-2- Block of information resulting in identity theft. THE LAW CLEARY STATES " BLOCK Except as otherwise provided in this section, a consumer reporting agencies shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Nowhere in this LAW it states that I have to provide you with any police report. This is clearly a stall tactic and going against my human rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
This is not my inquiry. 
XXXX XXXX XXXX XX/XX/2020 Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual

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 2020-05-05
Product: Debt collection 
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: Renton Collections Inc.
State: WA

Complaint:
Date : XX/XX/2019 Company : Renton Collection  Original Creditor : XXXX XXXX XXXX Original Balance : {$850.00} Action taken : I filed a dispute with Renton Collection.  The dispute ended XX/XX/2019 Result : Renton Collection declined the dispute request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service
Company: Navient Solutions, LLC.
State: AZ

Complaint:
Male called me from ( XXXX ) XXXX and took approx 10 seconds to respond to me saying " hello. '' He said he was calling from " Navient. '' I asked if he auto dialed my cell phone and he said " yes. '' I advised him he did not have permission to auto dial my cell phone. He then acknowledged he was looking for XXXX XXXX about his student loans. I advised him he hadn't authenticated me and just gave out personal information. 
I then asked if he was in XXXX XXXX as his caller id indicated and he stated he was not. I accused him of violating the FDCPA and eventually he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
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: Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2017-01-19
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: LA

Complaint:
The pay back amounts are totally unmanageable! The amounts change from day to day! Never get the same information from anyone. The amounts are different each call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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: GA

Complaint:
I have contacted the two Collection Agency and the accounts have be paid in full. Please remove XXXX XXXX XXXXXXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following names are on my TransUnion report and I have disputed them and they have not removed it from my report. I have not used any of these names and I need it to be removed from my report. XXXX XXXX, XXXX XXXX or XXXX XXXX. Under the XXXX.S.C 1681 section 602A, states that I have right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an 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 2022-03-26
Product: Debt collection 
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint:
My name is XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for committing identity theft. I have never given XXXX XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from XXXX XXXX XXXX before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXX XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
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: LA

Complaint:
On XX/XX/XXXX the following accounts were Deleted off my credit report from XXXX Results Report Number : XXXX Date Generated : XX/XX/XXXX XXXX XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 

Deleted XXXX  XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX  XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 

THE ACCOUNTS WERE PLACED BACK ON MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint:
Credit report agency is showing XXXX account Company is showing an account in collections on my credit report for XXXX from a credit card with a limit of XXXX. I attempted to contact this company over the last 2 years several times but was not responded to however they are illegal verifying the debt as valid to the credit agencies and refusing to respond to my request for proof. The company does not respond to emails and I'm not able to speak with an actual person because you need to enter you credit card number or personal information. I DON'T HAVE AN ACCOUNT SO I HAVE NO CREDIT CARD NUMBER AND MY PERSONAL INFORMATION I ENTER SAYS NO ACCOUNT FOUND. THIS COMPANIES LACK OF INTEGRITY AND ACCOUNTABILITY IS CAUSING DEROGATORY INFORMATION TO BE SHOWN ON MY CREDIT REPORT CAUSING ME HARM AND SLANDER MAKING IT IMPOSSIBLE TO LIVE A WORRY FREE LIFE AND FINANCIAL FREEDOM DUE TO THE ERROR THEY REFUSE TO FIX.

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 2015-08-25
Product: Debt collection 
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine
Company: WELLS FARGO & COMPANY
State: CA

Complaint:
I keep receiving calls from Wells Fargo Home Finance indicating that someone named XXXX at my number needs to speak with them. There is no XXXX at my number and I 've had this number for 5 years. I 've received 17 calls in 7 days including weekends and I 've told them numerous times to stop calling me as I am not the person they are trying to reach.. This is ridiculous and they wo n't stop despite telling me they will stop stating " It takes time to remove me from their call list ''. XXXX it does n't. They pull up the record to my number and told me how many times they called me as soon as I tell them to stop calling me. This is carelss harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint:
I recently checked my credit report to apply for a mortgage loan, and discovered many hard inquiries on my report. These are the inquiries that are errors in my report : XXXX XXXX XXXX INQUIRE DATE XX/XX/XXXX, XXXX XXXX INQUIRE DATE XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/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 2017-07-21
Product: Debt collection 
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint:
Thank you for fielding my previous complaint against XXXX, XXXX XXXX XXXX and their attorneys, XXXX XXXX XXXX XXXX XXXX. The bank, in addition to the attached and incorporated response to your office, sent the change in address to XXXX XXXX XXXX address in New Jersey, and to the attention of the special unit, as addressed on the copy I have provided, also attached and incorporated as my proposed updated complaint. In the alternative, please consider this correspondence as a new complaint against the parties contained in the correspondence, additionally attached and incorporated. I had not heard from the bank or their attorneys after receiving their responses from your office. In XX/XX/XXXX, I received the attached and incorporated post card notice, under envelope return addressed at XXXX XXXX XXXX XXXX XXXX address. Then in XXXX I received the attached Validation Notice from XXXX XXXX XXXX Attorney XXXX XXXX, XXXX, on behalf of NATIONSTAR MORTGAGE and post marked XX/XX/XXXX. I responded to the letter by sending a written request for substantiation/qualified written request on XX/XX/XXXX. The Notice of Auction letter was sentXX/XX/XXXX and I responded with the Notice of Grievance and Error, all attached and incorporated by reference. It is my position that the documentation mentioned above is evidence of knowing and egregious violations of Federal and New York State Debt Collection Procedure, RESPA and TILA, and contains false and misleading statements, simulations of legal or judicial process and sanctionable ethical and professional misconduct. I hope that your office can assist or mediate in interrupting their wrongful actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint:
I have submitted over ten disputes with Equifax, for 1 account with the XXXX XXXX XXXX  Account # XXXX  to be reported correctly, it has been listed on my report with comments as Bankruptcy Chapter XXXX with an account status of included in Bankruptcy which is incorrect. I have request to have proof provided to me to show verification of the account status, I still have yet to receive this information or removal of the incorrect information.

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: Incorrect information on your report
Sub-issue: Account information incorrect
Company: Experian Information Solutions Inc.
State: TX
Tags: Servicemember

Complaint:
Experian showing incorrect balance, current status for this account is {$580.00} with available balance of {$1400.00}. I have sent multiple disputes and they keep reporting inaccurate data

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 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint:
I have asked XXXX XXXX XXXX to send me proof that these credit cards was opened by me because it is fraud and they have yet to do so. It has been 1 year of disputing them and they refuse to send me any verification documents, file or procedures used to verify account. This is a violation of my consumer rights and I demand that they delete these accounts today! 

These accounts are causing me to lose out on employment and extension of other credit opportunities. I never gave them permission to use my personal information, they are violating my privacy by sharing inaccurate information with other parties which is identity theft and they refuse to rectify the situation. 

Delete these accounts now : XXXX. XXXX XXXX. XXXX I have included my id so please do not use stall tactics and say that you can not verify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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: PA

Complaint:
XXXX, Equifax and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood.

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate.

15 USC 1681 s-2 Says XXXX, Equifax and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX, Equifax and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX, Equifax and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

Prohibition : a law or regulation forbidding something XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX  Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09
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:
XXXX is reporting inaccuracies to my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: MI

Complaint:
N Accordance with the fair credit reporting act XXXX  XXXX # XXXX XXXX has violated my rights 15 US C 1681 section 602a states i have the right to privacy.15US C 1681 section 604a section 2 it also states a consumer reporting agency can not furnish a account without my written instruction.

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