hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2022-05-23
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: MI

Complaint:
In accordance with the Fair Credit Act Reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX  XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint:
This is my 2nd request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific records in my credit file that do not belong to me, or thatI have signed any agreement. The items I'm challenging have nothing to do with anytransactions I've done or authorized to gain products, services, or money. Please remove thefollowing items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$790.00} ; XXXX Balance : {$28.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX ( XXXX : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2500.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$310.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$320.00} ; XXXXXXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$57.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
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: FL

Complaint:
Please remove these accounts which I listed in Identity Theft. Some of them payed in a good standing but all of them I did not open and never used. Some one opened them used my ssn and personal information. I do not want that all pf these accounts are reporting because they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Product: Debt collection 
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay
Company: CAVALRY INVESTMENTS, LLC
State: LA

Complaint:
They are calling my parents, my mother who is ill and telling them that they have court orders and papers that need to be served and they want to speak with me. My mother told them that they are not the contact for me or responsible for me and to stop calling. She said this has been going on for over a year. They wo n't stop harassing her even though she asked them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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: NY

Complaint:
I am not familiar with the inquiries mentioned, and I kindly request that you address this matter promptly. I have attached supporting documents for your reference.

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 2023-02-07
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: Global Lending Services LLC
State: MI

Complaint:
The companies advertised online no credit check then the following day there are hard inquiries on my credit report. I am in the process of trying to get financing for a vehicle. These hard inquiries will have a negative impact on my scoring when I apply for the car. I am not really familiar with this process ( I have never leased or financed a vehicle before ). To lure people to their websites advertising we can help no effect to your credit and then its a hard pull ( not a soft ) is ridiculous. FYI : only the XXXX XXXX XXXX had my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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: AMERICA FIRST FEDERAL CREDIT UNION
State: WY

Complaint:
AMERICA FIRST CREDIT U Inquired on XX/XX/2022 Business Type : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Discriminated against my personal profile which is written out in my attached Document. They also unlawfully refused me credit and Unlawfully used my Credit Card aka XXXX card and placed an Unlawful Hard Inquiry attached on page XXXX as proof on my Credit Profile Unlawful Violations include : 15 USC 1691c and is pursuant to civil liability under 15. USC 1692K. Also 15 US code 1642. USC 1681m. And 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my Social Security number ( Credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( of credit card ) of America First Credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
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: NJ

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX 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, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint:
In accordance with the Fair Credit Reporting Act XXXX has violated my rights concerning the following accountXXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX and account # XXXX XXXX5 U.S.C. 1681 SECTION 602A. States I have the right to privacy.

15 U.S.C. 1681 SECTION 604 A. SECTION 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
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: EQUIFAX, INC.
State: GA

Complaint:
The Following Inquiries Are Not Mine, I AM STATING THAT I EXPLICITLY DID NOT AUTHORIZE THESE CREDIT INQUIRIES. 
They are invalid and were not performed by me - thus please delete them. 

XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Frontline Asset Strategies, LLC
State: NJ

Complaint:
Frontline mailed me a letter validation with XXXX that was paid already years ago. And the billing statement on the bill is XX/XX/23. Haven't been with XXXX for years and I paid my final bill {$270.00}. My cellphone number was transferred over to XXXX and I've been with XXXX ever sense. Please see attached bill. And my XXXX XXXX XXXX XXXX XXXX payment to XXXX to close the account and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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: IL

Complaint:
In accordance with the fair credit reporting act, the list of accounts and inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Accounts 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 These have violated my rights. 

15 U.S.C. 1681 section 602 A States that I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states no consumer reporting agency may publish any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24
Product: Debt collection 
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Dynamic Dedicated Financial Partnerships
State: MI

Complaint:
Debt was fraudulently obtained in 2008. No outstanding debt obligations. Repeated harassing phone calls. No attempts to resolve the issue, just calls dozens in the last week. All hours of the day. Threating messages

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint:
The fair market value of this vehicle that I purchased through Credit Acceptance Corporation was met and now they are demanding thousands of dollars in interest. I had lost my job and the original loan was at a higher than legal amount interest rate which caused me to release the vehicle back to them voluntarily. I was garnished and met the initial amount of garnishment and now have to pay thousands more in interest. I was never allowed to appear in court due to never receiving court documentation at correct addresses. The amounts of monies paid, car sold at auction, fair market value and now interest owed on top of interest paid is not matching up. Credit Acceptance Corporation did to me what they did to citizens in Massachusetts, which won a lawsuit against them. I dont live in Massachusetts but am a victim 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 2020-06-18
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: AR

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$590.00}

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 explanation
Consumer complaint received 2019-01-17
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: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
My credit reports at TransUnion, XXXX  and others are showing that XXXX XXXX has reported 2 credit card accounts in my name. I filed Disputes with both using their on-line form, stating that I have no knowledge of any such accounts. They have both responded that they investigated and that the reported information was verified by the reporting entity. Their investigation did not request nor does it require any providing of any sort of proof, but relies solely on the word of the reporting entity. 

This lack of a need of proof leaves the consumer vulnerable to fraudulent reporting and to being charged higher charges for bad credit when these reporting agencies are allowed to report as they please, with no oversight or consequences.

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 2022-11-28
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: Experian Information Solutions Inc.
State: PA

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint:
Transunion is inaccurately reporting a chapter XXXX on my credit report. I have sent several debt validation letters for them to verify that the bankrucpy belongs to me. I have asked that they give me the following information. 
1. Please provide the name of the courthouse 2. The clerks name that you verified the dispute with 3. The  address 4. The telephone number 5. The documentation used to verify the dispute. 
6. The asset and liability amount of the bankruptcy that is supposedly reported correctly by your company. 


They only state that they have verified. According to Fair Credit Reporting Act. the credit bureaus must report accurate information. As of this date if they have verified the bankruptcy as being accurate. why is there a XXXX on the amount owed. I don not believe that someone would file a bankruptcy and not owe anything. Transunion has violated my rights by not accurately reporting information. I would like Transunion to verify and send me all of the information I have requested. If they can not verify correctly and report correctly. I would like for Transunion to remove this item from 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 2021-05-20
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: MicroBilt / PRBC (formerly CL Verify)
State: MS

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION US SM BUS ADMIN ODA XX/XX/XXXX MICROBILT XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Product: Debt collection 
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint:
This account was originally with XXXX XXXX and was closed as a stolen card due to an identity thief. So I don't understand how a debt that was fraud fell into a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CT

Complaint:
As stated in prior CFPB complaint, I've sent a dispute letter via fax, postal mail, as well as email most recently regarding information needed for dispute ID XXXX, I was sent a letter on XX/XX/XXXX which I replied to and provided same information again.. In total, numerous letters provided, Citibank dispute dept claims non-receipt of these which is suspicious. I spoke with a Citibank rep today, he claims a letter was received on the XXXX of XXXX as well.. I provided information pertaining to dispute and the merchant appears to be a scammer as the charge, {$160.00}, was declined on merchant end supposedly, funds taken regardless ... I've message the merchant via secure message, no reply and no direct email or number to reach ... This transaction is a scam and again, I've provided this info numerous times, Citibank claims either non-receipt or needs additional info which I am not aware of and have no such additional information to provide other than what is in letters sent prior ...

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