hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint:
After looking over my consumer report, I see that my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX is reporting late payments on multiple accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. 
I at no time gave XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. the reporting of these late payments are not accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer 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 non-monetary relief
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-06-26
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: EQUIFAX, INC.
State: TX

Complaint:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 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: Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint:
Please see attached. Trans Union made up this address because they're inept fools! Then they can't take it off???? A mistake THEY MADE ON MY CREDIT THAT STILL EXISTS THERE TODAY WHEN I RAN MY CREDIT?????? Well this is the last chance they get. I'm prepared to make this legal. I'm tired of filing these complaints and will use everything attached, including all of my renewal payments and the fact that the other 2 bureaus have the correct address on file and prove it with bills from the day I started using the POB. I will file suit for {$500000.00} against them because this is now going on 1 YEAR I've been demanding they remove that incorrect address that they made up and screwed up off of my XXXX 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 non-monetary relief
Consumer complaint received 2019-04-02
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: MD

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I mailed certified letters to Experian at XXXX XXXX  XXXX XXXX, TX XXXX disputing proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said I owe. I recieved a letter from Experian on XX/XX/XXXX stating that this account was validate without any proof. I also noticed that Experian updated payment history from XX/XX/XXXX to XX/XX/XXXX. It appears that Experian did not conduct a proper investigation, they just changed things on my report and were unable to provide proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said I owe. Please see the below information, along with my attachments. 

Company Name : XXXX XXXX XXXX Partial Account # : XXXX Social Security : 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 2023-07-07
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: PA

Complaint:
XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2019 and a balance of {$25000.00} In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

This item is not allowing me to XXXX  my home and has an impact on employment. It is also affecting my credit score and making other creditor to lower my credit lines.

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 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2015-04-21
Product: Debt collection 
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine
Company: Credit Bureau of Columbia, Inc.
State: MO

Complaint:
Received a collections notice on XXXX/XXXX/XXXX from Accounts Management Services ( AMS ) regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX " treatment non transport '' calls on my daughter that Medicaid wo n't cover. The bills were sent to an incorrect address until the accounts were listed for collection and then finally sent to my correct address. I asked if XXXX would retract the collection and they refused. 
The run for XXXX/XXXX/XXXX was AFTER my daughter reached the age of majority on XXXX/XXXX/XXXX. Because I was previously listed as responsible party, the bill is in my name. XXXX at AMS stated they could not remove that account until XXXX separated them. So basically, I can claim anyone as a responsible party and they can pay my bills? This is not right. I contacted XXXX and XXXX was very rude. I faxed both AMS and XXXX the court ordered parenting plan stating XXXX parents must split uninsured medical costs and AMS refuses to abide by the order. XXXX at XXXX stated she would attempt to remove the majority call from my name as my daughter would be legally responsible for that run and that she would attempt to bill my ex husband for his half of the debt. XXXX stated she would contact the collection agency regarding this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17
Product: Debt collection 
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official
Company: AmeriCollect
State: MO

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
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: Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: SD

Complaint:
I was contacted by XXXX  at XXXX this morning that there was an account added to my equifax credit file. The alert had no specific information as to what was added so I selected the option that " it was not me '' I called XXXX to find out what was added to my credit file and they did not have any information to provide to me either. I was told to contact equifax and i did but i got agents asking me to take a picture of my id to send to them ( I did not do ) and asking questions that i couldn't possibly answer because they wanted information from decades ago. they stated their system could not verify me ( they can't determine when they have the actual legitimate person on the line ). I went to try to view my credit report online to see what was added and again, their online system could not verify me with the basic information it was requesting ( SSN, DOB, current address, ETC ). I do not have access to my own information but they allow frauds to use my information to get goods and services and then i have to fight with them to find out what is going on. I Cant get a credit report or any information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: Experian Information Solutions Inc.
State: NY
Tags: Servicemember

Complaint:
I have reached out to transunion by online and mail. They have an account from XXXX XXXX XXXX  that has been closed for 3 years now. They are updating balances on the account every few months. This account is closed. They are opening up the account then closing it. Ive asked for it to be removed they have refused to do their duty as a credit reporting agency. There is no reason that it has been closed but continue to 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 2021-10-09
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Tags: Older American

Complaint:
My wife 's Mastercard credit card, issued by Capital One, had several unauthorized charges that were identified as fraudulent. That card was replaced by a new card. New unauthorized charges were posted to it on the day after the card was received but before my wife used it. I called the bank 's fraud line, and in the discussion with the bank 's representative I learned that the bank had an agreement with Mastercard to automatically update my wife 's card number. This enabled the fraudulent posting to continue. The bank 's representative stated that there was no way to stop such charges other than to " lock '' the card. This makes the card unusable. 

I see from an internet search that some banks give their customers the ability to opt-out of the Mastercard Auto Updater feature. If this is not required for nationally chartered banks that provide credit cards, I believe it should be. It would reduce the burden borne by customers from the apparent inability of Mastercard and its bank partners to prevent repeated attempts at fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
Product: Credit card or prepaid card 
Sub-product: Store credit 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: SYNCHRONY FINANCIAL
State: LA

Complaint:
The card was originally a credit building card in which I placed a {$100.00} deposit. In XXXX of 2022, I called the company requesting that the deposit be sent back to me as the card had since been closed. The company informed me that a check had already been sent out, but I never received it, and the company stated the check had never been cashed. The company voided the check and reissued it. At some point during that action, a {$100.00} charge was posted to my account by the company for this. 

I was only informed of the charge when I began accruing interest on it. I called the company several times over the course of the next eight months trying to resolve this charge. Each time I called, I was informed in no uncertain terms that the charge was going to be removed from my account and to disregard further communications as it would take time for systems to update. The charge was not removed, and has since accrued over {$200.00} of interest. This has been harming my credit score over the last eight months as well, preventing applications to other credit institutions. 

I have spent several hours on the phone with the company in attempts to resolve this. Each time I call, representatives make promises about the removal of the charge, and the next representative informs me that there was no action taken and the charges continue accruing. I have spoken with supervisors, I have spoken with various departments, I have done all due diligence possible, and the company continues giving me the run around and refusing to remove the superfluous charges. 

This has become an extended scam where the company promises resolution while letting interest charges rack up on the card, holding my credit hostage to force me to pay charges I never accrued.

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 2023-08-18
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: NY

Complaint:
I called Comenity bank for a XXXX card that was opened in my name. When I called the said they sent it to a collection company and they gave me the info. I call the collection company and they said i had to send in the info proving identity theft. So I mailed it to them and I was waiting for it to be removed and they updated it making my score drop a lot by doing that!!! I am very upset and need them to take care of this!!! 
The name of the agency is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Product: Debt collection 
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official
Company: Conn's, Inc.
State: LA
Tags: Servicemember

Complaint:
XX/XX/2012 I contacted Conns and reported i needed help to notify the proper department of that my house had been broken into and i was told just bring the police report because my account was cover by insurance i purchased through Conns. I brought the reports to Conns and they politely thanked me and asked me if i needed help picking out replacement items. I didnt find any of the same items though. The next day my account was handed over to conns in house collections. I was told by the manager he did some investigations of his own and he be XXXX a female tries to pull wool over his eyes. He claimed to have read the police reports but still wouldnt handle the proper steps into my account being handled by his insurance department. He claimed i was wasting time and said women are to ignorant to handle a financial decision and i will just have to learn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with 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 complaint, and I'm including it again. 
XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX XXXX  XXXX Balance : {$3700.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$6000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6000.00}

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 2022-01-07
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: Experian Information Solutions Inc.
State: NV

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
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: EQUIFAX, INC.
State: GA
Tags: Servicemember

Complaint:
I reviewed a current copy of my credit report and show mulitple account open on report due to fraud. I completed FTC report and have forwaded report to credit bureaus and have not as of yet receive any updated information on my credit status due to investagation attempts. I have also sent FTC report and identification information my certified mail and show recieved and still no updates. Please review attachment document and remove information from my credit reports.

Company response to consumer: Closed with explanation