hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2018-11-20
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: IL

Complaint:
This dispute is a follow-up to my original dispute regarding an inaccuracy in the credit reporting from XX/XX/XXXX, XX/XX/XXXX and Experian. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquires : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation if the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I previously submitted a dispute to the companies above and I have received a letter from the companies that the inquire ( s )  would be removed but, XXXX, XXXX and Experian has failed to correct their erroneous reporting. I have maintained careful record of my communication and I have attached the inquiry removal letters from each company from previous attempts to have the inquiries removed. I'm making this final goodwill attempt to get these inquiries 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 explanation
Consumer complaint received 2018-01-14
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: EQUIFAX, INC.
State: AR

Complaint:
On XXXX XXXX, 2017 I spoke with Equifax, XXXX, and XXXX about unauthorized inquiries placed on my credit report under the security breach they were removed and placed back on to my credit report without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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: LA

Complaint:
On XX/XX/22 I sent in letters to have incorrect information removed from my credit profile.

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 2023-05-29
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: MA

Complaint:
On XX/XX/2023 I received an alert from my credit monitoring service regarding fraudulent accounts, inquiries, and personal information listed as " InquiryXXXX XXXX XXXX, Employer : " XXXX '' XXXX Employer : " XXXX XXXX XXXX XXXX XXXX Name : " XXXX, XXXX '' on my Transunion consumer report. I quickly contacted the Federal Trade Commission and was directed to file an " Identity Theft Report '' about this recent Identity Fraud for which I am submitting this complaint.

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 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX Balance Owed : {$2700.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
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: MD

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-08-15
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:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
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: Affirm Holdings, Inc
State: IL

Complaint:
I have been trying to get this late off my credit report for months. I have sent in several disputes, and nothing has been done. I have sent in proof that I myself am submitting the request to have this removed. I have filled for a full file disclosure and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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: FL

Complaint:
There is a house listed on XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( https : XXXX ) that denotes the listing as follows : " Newly built for a qualified Veteran! Not for sale to general public. Must be owner occupied by a Veteran. Small home never lived in. Washer and dryer and storage shed will be installed, truly one of a kind!! 

Listing Provided by : XXXX XXXX XXXX XXXX XXXX '' We contacted our relator who contacted the listing agent. The listing agent provided information to call to query if eligible related to the listing above. 

https : XXXX XXXX XXXX XXXX XXXX ' XXXX I called and spoke with this individual who simply identified herself as Jeanette. She did not indicate she was from a mortgage lender. She accepted information on myself and my wife with what I thought was a screening related to the house ( Veteran information ). She NEVER explicitly advised this was to pull a credit inquiry. She NEVER contacted my wife directly to consent to this inquiry. I was NOT aware this was for a mortgage application or loan as she never identified herself as such. My wife called her directly later in the afternoon after receiving an email that her credit had been pulled. She answered the phone with " Hello '' to which my wife asked " Is this XXXX. '' Again, never identifying herself as a mortgage lender. Once my wife realized she pulled our credit, she queried the reason as we were under the impression she was screening for VETERAN eligibility related to the house itself. 

My wife called again later in the afternoon ( with myself present, on speakerphone, with XXXX aware ) after checking her credit report via creditkarma. My wife explicitly advised her credit was pulled with her date of birth and social security without consent. Same for me. There was no formal application with signature on either of our ends. My wife had never even spoken to her. My wife asked if there was a way for her to report the mistake to the credit union ( s ) directly to which she admits this was all just " confusion. '' She promised to shred our information and delete the 'application ' from her system. Again an application neither of us explicitly consented to for purposes of a mortgage lender/financing.

PLEASE ADVISE. We attempted contact with credit union ( s ) directly but was advised we needed to submit report to either the police or FTC. The FTC website brought me to this website once choices were narrowed down per the issue. 

Thank you.

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 2023-02-14
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: SC

Complaint:
I called theXXXX and Experian after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an account on my credit report which is misleading to me. I sent a letter to the XXXX and Experian last XX/XX/2023. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXXXXXX Balance Owed : {$12000.00} will be investigated and updated on 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 2018-03-27
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: Experian Information Solutions Inc.
State: CA

Complaint:
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements

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 2023-05-26
Product: Debt collection 
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: Stenger & Stenger, P.C
State: GA
Tags: Servicemember

Complaint:
Regarding my account XXXX, I called Stenger and Stenger PC @ XXXX on XX/XX/2023. I spoke with a gentleman who collected my payment and credited {$580.00} to my account. Moreover, scheduling a payment for the final payment of {$580.00} on XX/XX/2023. Additionally, he stated that the judgment and filing from today will be canceled. 

On my second contact, on XX/XX/2023, I spoke with three different representatives, who informed me that the payment had not been received and credited to my account and that a payment plan for two installments of {$580.00} had still been established. These representatives seem to have given me different information about my account and yesterday 's events. I request to talk with a supervisor after being transferred. The team lead or supervisor who called me was very unprofessional, talked over me when I was asking a question, and the call never progressed. 

I would prefer a resolution to this issue because I do not want to be sued because of the XXXX XXXX that made it difficult for me to pay my obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Product: Debt collection 
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid
Company: HW Holding, Inc
State: HI

Complaint:
I have informed credit reporting agencies about my issue and waiting for the answer from them, Mean while I heard about CFPB and thought To file an complaint. I used in XXXX 2013 a company call freight center in XXXX to ship household items to XXXX, there was XXXX pallets, as per my knowledge weight was under XXXXlb on each pallet and paid in advance some of {$2800.00} to freight center, they over charged me as per the quote so I called them and they gave me credit for an amount {$85.00} same day. After 4 weeks from delivery of my house hold goods they are coming back with additional {$1000.00} for additional cost which I did not get it, there fore I refuse to pay them an hidden cost and know I see they have hired collection company called XXXX, is showing on my credit report, I am going to attached a proof of documents to prove the payment was maid thru credit card. There fore I request CFPB to investigate and help me to remove this negative item from my credit report, which is affecting me on my business and raised up my family. I am also attaching my credit report to show CFPB I have very good payment history, Thank you. 
SincerelyXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint:
My wife and I had a Costco Anywhere VISA Business Card by Citi since XXXX, issued by Citi Cards. We both have a credit rating above 700 and have never been late on our payments. Our credit-line was over {$20000.00}. In XX/XX/XXXX, we decided to purchase a car and the dealer said it was okay to put some of it on our credit card. We only put {$5000.00} on the card, way lower than our credit-line. Days later, Citi canceled our card without any prior notification. Since we use the card in our family business, it was a great inconvenience and surprise. Moreover, the cancellation was suspicious because we have over {$750.00} cash rewards on that card. When we called to find out what happened, customer service said we had to wait for a letter but confirmed that Citi would forfeit our cash rewards that we had earned. Because of our high credit rating and patronage of over 10 years, that was an unfair business practice by Citi to act unilaterally and without notice. We asked to be reinstated but Citi refused to provide us with additional information on how to request reinstatement. Oddly, they sent advertisements of other Citi cards despite forfeiting our already-earned cash rewards. We were professional and paid off our statement at the end of the month as we have for over 10 years. Sadly, we typically would give part or all of the cash rewards we earn each year to our children to save for college. This unprofessional business practice had consequences for us in the forfeiture of the cash reward we had earned and that we had to seek a different card and, finally, our trust in Citi. We could have used a different card during that period and missed-out on other reward programs. Our reliance on Citi appears to have been misplaced.

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 2018-12-11
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: EQUIFAX, INC.
State: GA

Complaint:
Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, and Chapter XXXX Bankruptcy Discharged XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint:
I reject Transworld System Inc and their response. The bill they attached shows a date of XX/XX/XXXX. Transworld Systems Inc was on my credit report PRIOR to this bill. My bankruptcy was filed in XXXX of XXXX PRIOR to the date on this bill. Transworld Systems INC was included in the Chapter XXXX bankruptcy XXXX. Transworld Systems INC was included in my creditor matrix and is violating my rights under bankruptcy protection laws. THEY WERE ON MY XXXX XXXX. XXXX XXXX XXXX was also included in my creditor matrix and their debt was discharged in my chapter XXXX bankruptcy. I had to file several complaints against first choice power for having my service mixed up with someone else. XXXX XXXX XXXX was billing me for an XXXX  for another address. I spoke with the office of the President for XXXX XXXX XXXX and I do NOT owe XXXX XXXX XXXX. My XXXX  complaint # s are as follows : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I also spoke to the XXXX XXXX XXXX XXXX of the President with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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: Convergent Resources, Inc.
State: NJ

Complaint:
I was on my XXXX credit file then I saw that my credit had decreased from a XXXX to XXXX so immediately i called XXXX an spoke with somebody and they said that I had a negative report on my account. I asked where is that coming from and they said from Convergent Outsourcing Inc then i immediately hung up and contacted Convergent Outsourcing Inc on XX/XX/XXXX. The amount was {$680.00} and they said it was from XXXX XXXX XXXX and They offered me to pay {$250.00} and said it would be marked as paid in full and removed from my credit. I also requested for proof of the receipt that said it would be marked paid in full, when I didnt get the receipt I made another call to them and they sent me the receipt which is attached. I disputed it with XXXX about 2-3 times already then XXXX was twlling me that the account is valid and I never made any payment. Convergent Outsourcing also said I never made a payment so I contacted them again and asked what are they talking about and they asked me to send proof to them which I emailed to them. They still told me they never received my payment and I was going back and forth with them and XXXX. XXXX took my dispute and as of today XX/XX/2023 its still coming back as the account is valid and i never made any payment.

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 2023-03-17
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: VA

Complaint:
TransUnion and XXXX are reporting medical debt that is less than {$500.00} and I have requested that this be removed. The companies have not removed the debt. 

The debt listed is {$320.00} Creditors collection service

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 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AZ

Complaint:
I need help with getting my Annual credit report. I need them from all three companies : XXXX XXXX Exprience. XXXX XXXX. Please. The questions that was ask I answer then correctly .And my address has not change.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04
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: FL

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # 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 also states a consumer reporting agency can not furnish a account without my written instructions

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