hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2022-06-21
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: PA

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX. XXXX XXXX account # XXXX. 
XXXX account # XXXX. XXXX account # XXXX. 
XXXX account # XXXX. has violated my rights. 
15 usc 1681 section 602a stats i have right to privacy 15 usc 1681 section 604a section 2 stats consumer reporting agency can not furnish accounts 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 non-monetary relief
Consumer complaint received 2022-08-19
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: AZ

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Transunion Addresses : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXXXXXX XXXX XXXXXXXX Employer : XXXX XXXX  XXXX XXXX XXXX  XXXX Inquiries : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Inquiry : XXXX XX/XX/XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2021-09-03
Product: Debt collection 
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint:
I have sent affidavit DEMANDING that they Verify the debt that I allegedly owe them. They CLAIMED they did but it wasn't done properly Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via an affidavit of fact under penalty of perjury ; I DO NOT CONSENT TO ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION METHOD.

and if they can't, they must CLOSE the account and IMMEDIATE REMOVAL OF THE NEGATIVE REMARKS they've made against me on my credit report pursuant to THE FAIR CREDIT REPORTING ACT 15 U.S. CODE 1681 1681i.

Unauthorized Use Pursuant to 15 U.S. CODE 1602 ( p

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 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-07-06
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: Experian Information Solutions Inc.
State: NY

Complaint:
Dear XXXX XXXX XXXX, I am writing to dispute inaccuracies that are currently appearing on my credit report, which is affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date Opened XX/XX/2021 Status Paid, Closed. 

I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,

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 2022-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint:
THIS IS JUST EXTRA PIECE OF DOCUMENTATION PROOF OF MY IDENTITY THEFT. I TRIED TO UPLOAD TO service.transunion.com/ BUT I COULD NOT UPLOAD THERE FOR SOME REASON, I guess because of current dispute, SO I AM SENDING IT THROUGH THE CFPB PORTAL..BASICALLY IT IS THE DIGITAL COPY OF THE OFFICIAL POLICE REPORT! ..PLEASE ADD THIS DOCUMENT TO THE FRAUDULENT ITEMS THAT I AM DISPUTING ON MY CONSUMER CREDIT REPORT! ..THANKYOU

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 2023-03-07
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: Early Warning Services, LLC
State: GA

Complaint:
Hello, my name is XXXX XXXX XXXX XXXX. It has come to my attention that Early Warning Systems has fraudulent information in their database attached to my social security number that is causing me financial harm. There are accounts from XXXX XXXX XXXXXXXX, XXXX XXXXk, XXXX XXXX, and XXXX that were fraudulently opened without my consent. These accounts are now showing on a database that Early Warning Systems maintains without ever having my written consent. This is a direct violation of the Gramm Leech Bliley Act which states a financial institution must have written consent from a consumer to use or report any personal non-public information. I have never entered into any agreements with Early Warning Systems nor was I given full disclosure or any opportunity to opt out of them using or sharing my personal non-public information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Product: Debt collection 
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: OR

Complaint:
I noticed a collection had been placed on my XXXX credit report on XX/XX/XXXX in the amount of {$71.00} for a debt with Eastern Account System , Inc. Since I had never been contacted by this company in any form and had never done business with or even heard of them, I assumed this debt was incorrectly assigned to me and I contacted XXXX to have it removed from my credit report. XXXX responded on XX/XX/XXXX that they supposedly investigated and claimed that the debt was valid and mine. 

I then contacted Eastern Account System by phone on or about XX/XX/XXXX to inquire. They claimed that the debt was from an unpaid medical bill from XX/XX/XXXX and that the original creditor was XXXX XXXX and XXXX XXXX. I responded that I had paid all of my bills with them on time and had never received a notice about an unpaid bill. They said they would investigate and get back to me. I contacted them again a few days later to say that I had proof of the payment of the bill from a charge on my credit card statement from XX/XX/XXXX in the amount of {$71.00}. They again said that they would investigate and get back to me. After not hearing anything from them for 3 weeks, I called again and they said that they hadn't heard back from the original creditor, but that they would contact me within the next week. To this day, more than 45 days from my original call, I have never heard back from them in any form. 

On XX/XX/XXXX I filed a new dispute with XXXX explaining the situation in detail and providing the credit card statement ( also attached to this complaint ) showing that the debt had been paid on XX/XX/XXXX. Yesterday I received a new response from XXXX stating again that the debt was valid but providing no other information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
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: FL

Complaint:
The creditor is listed as XXXX account number ( XXXX ) is account is listed as charged off as of XX/XX/2017 for $ XXXX.This account is due to fraud and as already been removed one bureau its reporting on the other two despite sending multiple dispute with credible evidence sent.

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 2020-12-01
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: NV

Complaint:
I submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX XXXX on XXXX via USPS certified mail. Unfortunately, as of today I have not received any response from XXXX  or TransUnion. 
I know that Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a full re-investigation within 30-45 days. 
On top of the stress that COVID-19 has caused me personally, I am truly distressed about my credit and the lack of assistance that the credit bureaus are offering. 
I would like to know the following information : 1. Did XXXX  and TransUnion receive my reinvestigation request/dispute letters on the date provided by USPS? 
2. If so, why have I not heard back from them? 
3. If my dispute was not received, then who has all of my account information and copies of my personal documents that was sent certified to the credit bureau?

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 2023-07-28
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: NV
Tags: Older American

Complaint:
Chase marriot bonvoy card have been advised immediately, regarding scam made and charged to my credit card in the amount of {$200.00}. We need to register with XXXX XXXX XXXX XXXX and provide proof of registration. We submitted thru internet all informations required. At the end, we did not get the required proof, however my credit card was charged {$200.00} ( {$100.00} each my wife and I ). 
This happened last XX/XX/2022. After so many exchanges of communications, the company said their investigation found the billing to be valid. I disagree with their investigation for the following reason : We can't contact the vendor, no contact info. The transaction was done thru internet. 
Invalid charged because the product purchased was not delivered. 
The invalid charge was reported immediately to Chase. 
In view thereof, I canceled the card and did not pay the balance of {$200.00}. 
As a result, my credit rating was reduced from XXXX to XXXX as of this month. 
Please help. I can't support scammers. 

Thank you XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-19
Product: Debt collection 
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property
Company: Brock & Scott, PLLC
State: SC

Complaint:
On or around XX/XX/2022 I receive a notice from Brock & Scott , PLLC attorney/debt collector trying to collect on a alleged debt. I have never done business with this Brock & Scott , PLLC attorney/debt collector. So I requested that this company verify and validate this alleged debt. On XXXX XXXX Brock & Scott PLLC responded asking me for additional information. As they stated I owe a alleged debt so they should have all the information to prove this debt. Brock & Scott , PLLC is threating to take property that they have no rights nor claim to. I XXXX XXXX a nature person and consumer ask that Brock & Scott cease all communication with me about this alleged debt and to remove my name from your database. I XXXX XXXX refuse to pay this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
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: MS
Tags: Servicemember

Complaint:
The XXXX XXXX XXXX XXXX ( XXXX ) requires new and EXISTING Public Record data, including Bankruptcy Public Record data, to have a NAME, ADDRESS, and either SOCIAL SECURITY NUMBER or DATE OF BIRTH before appearing on Consumer Credit Records from the three nationwide credit reporting companies. This policy was implemented to increase the ACCURACY of credit reports and ease the burden on consumers to correct errors on their credit reports. I have a Bankruptcy Public Record on my credit reports. This Bankruptcy Public Record DO NOT contain my NAME, ADDRESS, and either my SOCIAL SECURITY NUMBER or DATE OF BIRTH as required by the XXXX ; therefore, the Bankruptcy Public Record on my credit reports is INACCURATE. Additionally, the XXXX requires that the data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records. The Bankruptcy Public Record on my credit reports is now 9 YEARS AND 7 MONTHS OLD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
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: IL

Complaint:
I noticed several unauthorized inquiries on my consumer 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 2023-08-19
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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2016-09-20
Product: Debt collection 
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint:
I recieved and update on my credit report advising of a new collection in the amount of {$97.00} of which i do now have any outstanding debt of this amount. I do n't know if this company. However i have researched to find that they are known for fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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