hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint:
Recently I've mailed in a dispute letter asking Experian to investigate multiple accounts that's reporting in violation. The accounts listed in my dispute letter do not belong to me nor do I have knowledge of who they are. They are reporting accounts to Experian stating that I owe them a debt but how can I owe them anything if there was never an agreement? These accounts are in violation of 15 U.S. Code 6801 - Protection of nonpublic personal information, in which they did not respect my right of privacy. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( 5 ) Treatment of inaccurate or unverifiable information, these accounts must be removed in which we never made any agreement nor is there permission from me to report these accounts which make them unverifiable.

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 2021-12-28
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: PA

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2022-06-13
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: Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately :

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 2022-11-10
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: Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint:
This is a formal complaint regarding my credit report showing fraudulent inquiries. I never authorized any inquiries. See attached documents for inquiries that are caused of fraud.

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 2023-08-10
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 Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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 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 XXXXXXXX

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 2019-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: LEXISNEXIS
State: GA

Complaint:
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove these items, any none account holding inquiries and any address other than my current address to prevent any further damage to my credit report.After you have remove items please send me copy of updated report. 
An FTC had been filed and a police report will be filed. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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

Complaint:
Plaintiff : Sur-name : XXXX, Given name XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : Transunion Consumer Solutions The Executive office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : File Number # XXXX Date : XX/XX/2023 This notice serves as Notice of Fault and opportunity to cure your negligence in Violation of the Fair Credit Reporting Act ( XXXX ) Statement of Facts On XX/XX/2023, Plaintiff, sent a dispute letter challenging the response from your company that the description of reinvestigation came from the Bankruptcy court. Account : XXXX XXXX XXXX XXXX  XXXX Attached with the letter was proof from the Bankruptcy court Clerk did not validate the public record listed on my credit file. 

XX/XX/2023 an additional letter was sent not agreeing with latest response from your company not taking liability that the dispute center did not validate the public record on my credit file. 


As of XX/XX/2023, your company has continued to ignore the proof and state the account on my credit file is accurate and has been verified. 

Your company responses not complying with the Law according to the Fair Credit Reporting Act Pursuant to 15 USC 1681i ( 5 ) ( i ), is resulting in making the Defendant ( Transunion Consumer Solutions ) at fault in this matter.

Pursuant to 15 USC 1681i ( 5 ) ( i ), states you must delete any Unverifiable information in the consumers credit file. 

Opportunity to Cure In the event that the Defendant failure to respond to this Affidavit was an oversight, mistake, or otherwise unintentional reinvestigation with your Dispute Center. 

Failure to cure will constitute as negligent by not following the Fair Credit Reporting Act.

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 2022-02-26
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: Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint:
On XX/XX/2022, I started to apply for a credit card with capital one bank I got approved The next step was to deposit around {$49.00} to my account. 
Before completing the deposition, The wifi connection interrupted When the connection back, I tried to complete the money deposit to my account but the website push XXXX to start over the application process I did it again but I got rejected O thought there is an error in my information that I submit I tried again ( XXXX time ), I got a rejection When I checked my email I found I received XXXX emails The first XXXX, approved application The other XXXX, declined application I realized that this happened due to repeated application at the same time I followed the link in the email of approved application and I was successfully able to deposit the money and I received a new email that every thing is fine and in progress XXXX days later I received a conformation mail that my application is approved and my card will be issue soon Few days later I received a new email that my card was shipped and I will receive it on XXXX first When I checked my credit report, I found hard inquiry from capital one on XX/XX/2022. 
I found its the same day of my application and I was sure it ls due the accidentally repeated application I contacted the bank XXXX  times, they were unable to help me and they asked me to contact the credit bearu I cant log in to XXXX and XXXX I did a dispute with XXXX but they asked me to contact the bank Attached are the emails I got Please see the dates All on the same day The approval is the first XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint:
XXXX/XXXX is reporting an erroneous late on my credit file for XX/XX/2020. I made this payment on time, and I should not be reporting any lates. I am requesting that XXXX fixes this issue as it is affecting my credit file.

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 2021-08-31
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: CBC Companies, Inc.
State: RI

Complaint:
Hard inquiry on my credit file on XX/XX/24 by Factual Data XXXX on behalf of XXXX XXXX. I did not apply for a mortgage or a loan and did not authorize this inquiry. I have locked my credit file, placed a fraud alert with credit reporting agencies, disputed the inquiry with the credit reporting agencies, and have contacted Factual Data to alert them that I am not applying for a loan and I'm concerned this is fraud/identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Product: Checking or savings account 
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint:
Your response to CFPB Complaint ID : XXXX included instructions to call XXXX at XXXX, extension XXXX. I have called multiple times during the hours that she indicates she is available. I left messages asking her to call me back. 

We can not access our account and have been unable to do so for over a year. You refuse to engage us in any substantive conversation and your customer service is not trained to handle a situation like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
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: LendUp Loans LLC
State: KY

Complaint:
Unauthorized credit inquiry on XXXX  credit report.

Was notified but refuses to remove the unauthorized credit inquires I was a victim of identity theft due to the XXXX  data hack. Someone else was using my identity.

Some have 2 credit inquires on XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan
Company: American Credit Acceptance, LLC
State: CA
Tags: Older American, Servicemember

Complaint:
" In XX/XX/XXXX, I had an auto loan financed by ( ACA ) American Credit Acceptance. The interest rate was 26.8 %, with payments of {$490.00} for 72 months. A simple interest loan program.On XX/XX/XXXX, I requested and was approved for a deferment from XX/XX/XXXX to XX/XX/XXXX, the amount deferred {$980.00}, for reason of medical issues. In the approval letter, company wrote, for the avoidance of doubt, nothing in this agreement changes the remaining terms of the contract. My maturity date for the payoff of my loan is XX/XX/XXXX, yet ACA is claiming that I will owe and additional {$3200.00} in fees and interests under their simple interest calculations, but no one at ACA will provide how the interest is calculated. My payment history from this point on to the end of the loan has been perfect and will be when I satisfy the loan requirement on XX/XX/XXXX. When asked if they can provide me with how this number was calculated, nobody has a sensible answer. In fact, on XX/XX/XXXX, I spoke with a supervisor at ACA, name XXXX, approximately XXXX XXXX referencing this request and she could not give me a definitive answer. Her only answer is if I go to a simple interest calculator I can compute it myself. When previously contacting ACA, the representatives are verbally abusive, extremely condescending resulting me asking to speak with a supervisor. Oftentimes, I am routed to a rep outside the country/States, and many attempts at communicating my concerns are futile. What can I do to resolve this issue? Is there a legal precedence for this situation? I am currently making the remaining payments on time, and the last payment is set for XX/XX/XXXX '' with the remaining balance of {$3200.00} due at that point before my title will be released.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied
Company: WELLS FARGO & COMPANY
State: NV

Complaint:
Wells Fargo internal complaint reference number : XXXX I applied a Wells Fargo credit card in branch on XX/XX/XXXX. They declined my application for one sole reason : Not a permanent resident. ( I have 2 mail letters from them as evidence and numerous contact records as evidence. ) The truth is : I AM A PERMANENT RESIDENT. My old green card expired on XX/XX/XXXX. I filed for a new card on XX/XX/XXXX. ( The U.S. Citizenship and Immigration Services ( USCIS ) rule is that you can not apply for a new green card any earlier than 3 months before your current card expires. ) I received a XXXX letter from USCIS to extend my permanent residency till XX/XX/XXXX. After that and before I get the new green card, if I need to travel I will need to go to USCIS local office to get my passport stamped. USCIS has a long waiting period for each case to be handled. The current processing time to get a new card is 17.5-19 months. ( Please check at https : //egov.uscis.govXXXX XXXX XXXX ) XXXX is a US government issued letter to extend permanent residency. It is legal and mine is not expired. Upon receiving Wells Fargo wouldn't acknowledge my XXXX as a proof of my permanent residency and made a wrong statement that I am not a permanent resident.

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 2023-09-09
Product: Credit reporting 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: MI

Complaint:
This is my 21st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$730.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} 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 2022-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
XXXX and TransUnion say that the account is accurate and that the errors have been corrected but nothing have been corrected or updated the same errors that i have previously mentioned still in there ALSO THE ACCOUNT NUMBER FOR THIS ITEM IS DIFFERENT IF THIS IS THE SAME ACCOUNT WHY DOES IT HAVE DIFFERENT NUMBERS? 

THIS ACCOUNT IS INACCURATE AND NEEDS TO BE REMOVED

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 2022-10-17
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: LA

Complaint:
Again Equifax is governed by 15 USC 1681. After providing my vital information Equifax disregards my protected rights under 15 USC 1681 and continues to violate my rights over and over. According to the FCRA AKA 15 USC 1681 i never authorized Equifax to report such item ( s ) /Account ( s ) to my credit report. I demand the account ( s ) listed herein be REMOVED/DELETED from my credit report.

Under 15 USC 1681 I have a right to privacy which have been violated several times and for the record Equifax or its agents never had my consent/permission to furnish such account ( s ).

Regarding this matter if Equifax continues to violate my rights please provide a statement signed under penalty of perjury of the account ( s ) mentioned herein as being VERIFIED and explain how it was VERIFIED if so due to Equifax inaccurate/false reporting. Please attach if any an authentic signed contract where as i gave Equifax permission to report this account ( s ) mentioned herein as it will be used for my own and a judges inspection if this matter escalate to trail to contest these matters. 


XXXXDEPT OF ED XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX ATTACHED- FCRA With section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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: JPMORGAN CHASE & CO.
State: DC

Complaint:
Company : JPMCB account : XXXX In accordance with the fair credit reporting act XXXX XXXX, Has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1692g - Validation of debt law This account with JPMCB has been Charged off but is still reporting late payments and balance to my credit report. I have requested a 1099c form so I can audit them to make sure they are in compliance but have yet to receive one. As it has been remove from 2 bureaus but it still negatively affecting my report on XXXX. 
They are violating 15 USC 1681 e ( b ) for reporting information that is not 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint:
XXXX and XXXX have already removed this from my credit report. I have spoken directly with XXXX at XXXX XXXX on a recorded line sometime in XXXX and she herself as well as XXXX said that this is in deletion status and would get removed. I still see that Equifax has this as a collection on my credit report and would like to have it removed ASAP.

Company response to consumer: Closed with explanation