hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2023-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
I reviewed my consumer reports and noticed that I had XXXX late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... 
If, any reinvestigation under paragraph ( XXXX ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 
( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX Account Name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX Account Name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active XXXX Account Name : XXXX XXXX Account XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX Account NamE : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX Account Name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX Account Name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX Account Name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX INQUIRIES : 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 2020-07-19
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments
Company: PNC Bank N.A.
State: IN

Complaint:
I'm attempting to connect my PNC account to my XXXX  account, and PNC is denying the connection and disallowing it to be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint:
I have disputed two accounts on my credit report for inaccurate information which is killing my credit score. 
XXXX XXXX has 2 ( one for {$540.00} and the other for {$1200.00} ) which I have the bank statements to prove they were paid on time every time. XXXX XXXX XXXX now owns them and when i tried to prove to them and Equifax and XXXX with the proof, they deny it and leave it on my report saying I never paid. I have tried since XX/XX/2018 to get them removed but nothing. I feel I need an attorney to go after all of them for the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
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: TX
Tags: Servicemember

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2017-11-30
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Tags: Older American

Complaint:
I was making donations on-line on Giving Tuesday, XX/XX/XXXX, from my Bank of America checking account. Bank of America put a lock on my account for " suspicious activity. '' I then unlocked the account to make further donations. I just noticed today, XX/XX/XXXX, that Bank of America deleted some of my donations ( they deleted the transactions from my account ) with my authorization or knowledge. I had more than sufficient funds to cover the donations ( my checking account balance after all donations would have been in excess of {$2500.00} ). What the bank is is illegal.

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 2023-07-14
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: AZ

Complaint:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them 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 non-monetary relief
Consumer complaint received 2017-08-10
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: Experian Information Solutions Inc.
State: NC

Complaint:
FDCPA 807 ( 8 ) This is a law the companies are required to contact the credit bureaus on my behalf, and to make sure they add a sentence to my credit report within 30 days that says I have disputed the negative item in question. By law, they must do it within 30 days and they will be liable to me for damages of up to {$1000.00} per occurrence. I have proof that XXXX XXXX did not get in touch with Credit Bureaus within 30 days that I had disputed a negative item that they provided on my credit file. Experian knows they should have deleted this entry after I had contacted them about this negative item on my report. They also had 30 days to provide the statement that I, the consumer had disputed this negative item to them as well. The problem is that Experian is still trying to re-investigate this situation when they know they should delete the item from my credit report because XXXX XXXX has broken the FDCPA law. This dispute was reported in the month of XXXX 2017 and now it is XX/XX/XXXX but in XX/XX/XXXX is when Experian wants to provide the statement that I disputed this negative item on my report. It 's too late to provide this statement because it 's been after the 30 days time frame. They do n't need to re-investigate anything, just remove the negative from my credit report file. The XXXX XXXX and XXXX have removed this negative it from my credit report because of the 30 days time frame. I have proof that both Experian and XXXX XXXX XXXX have broken the FDCPA law.

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 2019-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint:
XXXX/XXXX  XXXX requested company verify the debt ; company could not verify the debt.

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 2020-04-10
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
Tags: Servicemember

Complaint:
I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX XXXX XXXX : ACC NO : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX GA : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint:
Equifax is reporting a Public Record that do not belong to me. I have made many attempts to get this situation rectified. I need your help in getting this Public Record removed from my credit profile.

Also, there the XXXX XXXX XXXX address do not now nor in the past belong to me. Please remove this address from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
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: EQUIFAX, INC.
State: FL

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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: NJ

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. 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. These were already included in my prior complaint and I'm including them again. 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 explanation
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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: MD

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2016-03-05
Product: Debt collection 
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: WV

Complaint:
I continue to receive calls from Chase Receivables concerning a debt owed by someone that I do not know and who does not reside at my address or phone number. The debt call are for someone named XXXX XXXX. These calls have been occurring for over 3 years. 

I have repeatedly requested that my phone number be removed from XXXX XXXX 's database. but they continue to call seveal times every day and harass me about this unknown person. 

I want these call stopped. 

Chase Receivables mailing address is XXXX XXXX XXXX, CA XXXX XXXX XXXX The harassing phone calls originate from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint:
My complaint # XXXX about Chexsystems regarding XXXX XXXX XXXX account # XXXX still has not been resolved. The paperwork provided by XXXX  XXXX XXXX does not validate the alleged amount owed ( {$880.00} ). This is my third request for a re-investigation.

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 2022-12-14
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: OK

Complaint:
It has come to my attention that pursuant to the Fair Credit Reporting Act, Experian, XXXX, and XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681a : States I have the right to privacy 15 U.S.C. 1681b : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 the information is inaccurate.

Since I haven't authorized any business or consumer reporting agency to report on my consumer report I am now exercising my right to opt out of any and all authorization I the federally PROTECTED consumer may have given whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

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 2020-06-19
Product: Debt collection 
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: USCB, Inc.
State: CA

Complaint:
I was under the impression that a medical bill through XXXX in the amount of {$300.00} was on an automatic payment plan and so I had not paid the bill off manually like apparently was what I had to do. I was not aware of this, and thought I had set up a payment plan where XXXX would automatically take money out monthly. This was not the case, I was meant to pay it manually each month but was not aware of this, so the bill went unpaid. XXXX then sent my bill in the above-referenced amount to a debt collecting agency called USCB , Inc . I was not notified of this by either XXXX or the debt collection agency. When I got a notice of a the past due bill, I immediately called XXXX on XX/XX/20 at around XXXX to try to figure out the issue. They stated they had sent the bill to the collections agency called USCB, Inc. in XXXX XXXX, CA. 

I called USCB immediately after on XX/XX/20 to deal with the bill and pay half of it upfront. When I called USCB, they notified me that there had already been {$12.00} ( roughly ) accrued in interest on the bill, even though they only had it for several days, according to them. I asked them how they can possibly charge people interest on a bill that the person responsible for paying it did not know it existed in a debt collection agency? I have not received a single piece of mail, not a single email, and not a single phone call that my bill had been sent to debt collectors, and now, it was already accruing interest. This is extremely shady to me. How can you collect interest on a bill that you were never notified you owed on? I had no idea this bill was sent to the debt collection agency USCB and they were now trying to demand that I pay interest on this bill I never knew existed there. 

This seems extremely illegal to me. This company should have to notify people when they have received a bill IMMEDIATELY, and take action to make the person responsible for paying the debt aware that they have the bill and that they are accruing an absurd amount of interest every day. I would like this to be looked into. How many people have gotten scammed by this company thinking they are responsible for interest on a bill they didn't know they owed on? How is this legal? I would like to start here first and would consider contacting an attorney to uncover whether this practice is legal. I am disgusted by this company 's shady practices and am lucky that I am not afraid to demand explanations but others may have no idea it is their right to dispute such a charge. I would like the CFPB to look into this company and whether the practice of not alerting people that they have their bills while accruing interest is legal.

Company response to consumer: Closed with explanation