hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2021-09-17
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: Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint:
Equifax has violated my rights under the FCRA and FTC Law. I have been trying for over 60 days to have the unauthorized inquiries remove from my credit report. Based on the laws, all information on my report must be accurate, no errors and verifiable. Equifax has not provided any evidence or proof. The inquiries attached to this complaint must be removed immediately. 

I am requesting CFPB to force Equifax to do its job and conduct a proper investigation to include producing proofs that these unauthorized inquiries were authorized by me. Please see attached evidences that I have been trying to work with Equifax by sending several certified mail requesting their verification of these inquiries. 

My next step is to bring this case to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
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: LA

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2021-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Tags: Older American, Servicemember

Complaint:
I was a resident at XXXX XXXX from XXXX and had made numerous complaints and requests concerning a neighbors barking dog at all hours of the day and night. Per their policies, tenants are responsible for their pets causing unnecessary noise and large dogs are forbidden on complex grounds. This was a very large aggressive XXXX that barked and howled repeatedly. I made numerous complaints to the management and even attempted to contact the owner of the dog. The management instructed me to write a letter stating the nature of the complaint in order for to take legal action against the owner of the dog. I even contacted the local Animal Control ; their contracted security personnel and repeatedly visited the office concerning this issue. After my letter was written, the management took no action against the owner of the dog. I am a XXXX veteran with XXXX and my VA appointed phycologist wrote 2 letter for me to get an emotional support animal due to the stress of this dog causing me lack of sleep and a poor quality of life. My lease came due and I initially refused to renew my lease and then the management stated they would move the owner and dog across the complex which they did not follow through. With my doctors letter and for my sanity, I moved out of the complex. This was discussed several times after my move with the owners of the apartment complex, which resulted in nothing being done.

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 2021-11-11
Product: Debt collection 
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: HCFS Health Care Financial Services, Inc.
State: TX

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX I do not have a contract with ARS plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$1300.00}

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 2023-08-23
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: CCS Financial Services, Inc.
State: TX

Complaint:
( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : by the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they indeed do not have my written permission. Any consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information.

" This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint:
Home Depot-CITI card number* was used to make a purchase. I received a message on my phone asking if I had made the purchase ; obviously CITI realized there was an issue. I responded no and they said it would be taken care of. My bill, however, still showed the charge. They assured me that sometimes it takes awhile to be removed. Eventually, there was another charge, and the same scenario played out. This time though, the charge was against the new card number* they just sent me, that I hadn't used at all. 
*Both purchases were made on the card number in my name, however, the cards were in my possession. It appears the fraud was from within CITI itself. 
I contacted the 3 credit reporting agencies to freeze my credit and was contacted by a rep from XXXX ; she made a 3-way call to XXXX-CITI who agreed to investigate. They sent me a letter confirming this XX/XX/22. On XX/XX/22 I received a letter stating they confirmed the charges were fraudulent and would be removed from my account, including any interest, etc. In XXXX, CITI sent my account to collections and negatively affected my credit, first, by XXXX pts, then XXXX pts in XXXX. CITI refuses to speak to me and has blocked my acct.

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 2022-01-19
Product: Debt collection 
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: AL

Complaint:
In XX/XX/2021, I received an email from a business called XXXXAFFIRM, INC ' stating I owe a balance of {$120.00}. The email said it was an XXXX purchase so I sent a 'stop-spoofing ' email to XXXX. 
The emails continue to come and always address 'XXXX  ', and my name is not XXXX XXXX I have responded by email letting them know I do not know anything about the debt. I am now getting emails from a collection agency, XXXX, stating I owe the debt. I have contacted XXXX  and have also mailed a complaint to Affirm. 
I have also mailed and emailed a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
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: MS

Complaint:
I believe that someone stole my identity and this loan belongs to someone else.

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 2022-04-05
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: IN

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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2021-04-19
Product: Debt collection 
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: HI
Tags: Older American

Complaint:
Wish to file an official complaint against the following Debt collector XXXX XXXX XXXX XXXX XXXX. 
for years of harassing me to collect a debt that was already discharged, this company has been an alliance with Debt collector XXXX XXXX XXXX harassing and terrorized me for decades. 
Attached are the constant never ending letters that it deeply effects my mental capacity just wondering what these people are after for if Chase bank n XXXX XXXX XXXX  already released my mortgage debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Product: Debt collection 
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint:
This is my second complaint regarding this company. XXXX XXXX XXXX who has sent this to XXXX XXXX XXXX XXXX, XXXX.. They are requesting me to pay XXXX to them regarding a Capital One Bank XXXX XXXX XXXX. Back in XXXX of 2020 I received correspondence from XXXX XXXX XXXX stating I owed them. I then responded XX/XX/2020 requesting them to provide proof bearing my signature showing I have or ever had some contractional obligation to their company. Their response was dated XXXX XXXX they could not find any records of me. I then receive a letter from XXXX XXXX dated XX/XX/XXXX. I explain that XXXX had 30 days by law to provide me with proof. And they failed. I then sent them my letters and asked to please comply with the laws. I also received a letter from Capital One Bank stating I no longer owe them anything. I now have received a summons from XXXX XXXX that was delivered to me XX/XX/2020. But was filed on XX/XX/2020 and received by the court XX/XX/2020. I feel this is retaliation because I filed a complaint with your company and the Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
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: FL

Complaint:
I am a victim of identity thief..I have a police report to support my claim..there are inquiries on my report that are a result of identity thief..they are the following.. XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XX/XX/XXXX.. XXXX XX/XX/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 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 XX/XX/XXXX..XXXX  XX/XX/XXXX.. XXXX XX/XX/XXXX.. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12
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: Experian Information Solutions Inc.
State: AL

Complaint:
XX/XX/XXXX and XX/XX/XXXX. that a computer glitch that was XXXX 's problem, not mines caused my inquiries to be deleted. XXXX later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted XXXX in good faith to ask them to delete the inquiries that they had illegally re-added. I have contacted XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX. These inquiries add a hardship and that my rights were violated by XXXX. CFPB help me make XXXX stop victimizing me. As a resolution that all of my XXXX inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 2021-03-17
Product: Credit card or prepaid card 
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: MI

Complaint:
XXXX XXXX apx XXXX XXXX contacted call center. Talked to 3 employees of back card and told each of them of the 4 pending transactions that were fraudulent. 

XX/XX/21 XXXX boost mobile pending {$100.00} XX/XX/21 XXXX XXXX pending {$50.00} XX/XX//21 XXXX XXXX pending {$10.00} XX/XX/21 XXXX XXXX pending {$10.00} First employee could not start a Fraud claim. First employee could not answer my question to just reverse the charges. Second employee. Did not start a fraud claim. And could not reverse the charges. Second employee did notify me that there was other activity on my account but the funds were not there. Transferred me to a supervisor. 
Explained to the supervisor Of the four pending Charges. Also asking him to reverse the charges they did not belong to me. Put me on hold and was disconnected. 
Total Time one and a half hours. 

Approximately XXXX XXXX my account was closed. no card was ordered for me. 

XXXX XXXX XXXX XXXX  I filed a police report. 
XXXX XXXX XXXX XXXX Made several attempts to contact bank, all calls went to recording and then call ended XXXX XXXX. Contacted Social Security, They made contact with With agency to get a new card Sent to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, made several attempts to call bank received the same recording where the call would end. 

XXXX XXXX. Receive my new card to activate. New card entered into the phone customer service Now answers. Per Regulation E, Reported Fraud within 24 hours, bank did not-start a fraud claim until XXXX XXXX. As requested by bank to expedite, send fax per bank. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Faxed several times, no response. 

XXXX XXXX contacted bank gave me new fax number. 

XXXX XXXX XXXX XXXX, now 2 faxes attempting several times on automated re-fax. No response. 

XXXX XXXX received fraud claim in mail. 

XXXX XXXX. Three Separate faxes all went through including fraud claim, asking for an explanation of why claim was not started on XXXX XXXX. 

Today XXXX XXXX, 19 days after fraud still no provisional credit on my account. No call back or text sent from bank about fraud investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-18
Product: Debt collection 
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Tags: Servicemember

Complaint:
Portfolio Recovery has continued to illegally report an account on my credit report that is not mine. Ive sent them 3 certified letters that I know they received and have yet to receive a response concerning what I sent. The last one sent was XX/XX/2019. This account is being reported incorrectly as it is not my account they have not sent me any type of proof that they have reflecting this is my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
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: Experian Information Solutions Inc.
State: NY

Complaint:
There are alleged collections on my report that i do not recognize. I demand removal of these accounts pusuant to section 623 of fcra.

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 2022-08-08
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: NY

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

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 explanation
Consumer complaint received 2022-10-07
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: Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan
Company: Exeter Finance Corp.
State: NJ

Complaint:
On XXXX XXXX the salesman assisted me with the purchase of XXXX XXXX XXXX at Exter Finance and/or XXXX intentionally withheld pertinent information to complete the sales. There are many fees within the given finance charge that are a violation of 15 USC 1605. Exter Finance and/or XXXX falsely and illegally obtained XXXX. I sent letters to both companies on XX/XX/XXXX disputing but have not heard back as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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: DriveTime
State: FL

Complaint:
On XX/XX/XXXX, I was going through Auto Loan options through pre approvals/match on XXXX where I did not even provide my full SSN. A few minutes later, I got a Hard Inquiry from DT Credit on my report. I immediately called them and the representative on the phone told me that they can not remove the inquiry but can only notate the account that it was unauthorized. They stated that I should call the credit bureau and dispute it with them. When I called XXXX, the rep there suggested I reach out to CFPB and file a complaint.

Company response to consumer: Closed with explanation