hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2020-11-30
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: SC
Tags: Servicemember

Complaint:
XXXX XXXX filed a complaint and a proposed stipulated judgment in federal district court for the XXXX XXXX XXXX Indiana alleging that XXXX provided substantial assistance to XXXX XXXX XXXX XXXX XXXX ( IXXXX ) in engaging in unfair acts and practices. XXXX operated XXXX XXXX XXXX until it filed for bankruptcy and ceased operations in XXXX. XXXX XXXX complaint alleges that XXXX  was actively involved in the creation and the implementation of the XXXX loan program. The complaint alleges that XXXX induced its students to take out the loans by a variety of means, and that XXXX knew or was reckless in not knowing that many student borrowers did not understand the terms and conditions of the XXXX loans and could not afford them. 

On Saturday, XX/XX/XXXX, it was announced that student loan cancellation benefits will be offered to XXXX former XXXX XXXX XXXX, with up to {$160.00} XXXX dollars in debt being forgiven. 

This agreement was reached as part of a deal between the Consumer Financial Protection Bureau ( CFPB ), State Attorney Generals from 43 different states, and Student CU Connect ( CUSO ), the company who distributed and managed private student loans for 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 explanation
Consumer complaint received 2020-04-08
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: FL
Tags: Older American

Complaint:
Transunion reports a charged off credit card with XXXX XXXX XXXX. This account does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card 
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: KY

Complaint:
I purchased a Visa gift card from prepaidgiftbalance.com a company of US Bank at XXXX grocery store. When tried to use the card it declined. It was a gift so, I do not know what to do to get my funds. I called the prepaidgiftbalance at XXXX and they said they blocked my card and they are holding my funds. I advised them, we paid cash and they would need to pay me interest for holding my funds. They said I need to provide all of my personal identification through a fax- I advised them I do not have a fax and the info will not match since it is a gift and we are in an emergency and need food. They said they would not release my money. They have 2 of my cards held with over {$100.00} that I need desperately due to coronavirus. I want XXXX to know of how customers are being treated and I would like help in getting my money. I am out of work and can not get food for my family. Please help.

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 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

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 2023-05-26
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:
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 non-monetary relief
Consumer complaint received 2021-02-24
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: Experian Information Solutions Inc.
State: WI

Complaint:
I paid this account back in 2015. It was suppose to be a pay for deletion account off my credit report. Since then, I have disputed and wrote letters to have it removed. The account was paid in full and it still remains on my credit report. Please remove 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 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint:
Hard Inquire reported on my account is inaccurate. Needs to be removed, it is damaging my lifestyle. 
XXXX Inquiry Date : XXXX Removal Date : XXXX Type : Department and Variety Stores XXXX non specific It is being reported on my credit and damaging it. PLEASE CORRECT and REMOVE as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
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: EQUIFAX, INC.
State: GA
Tags: Servicemember

Complaint:
Have repeatedly disputed inquiries on credit report. Credit bureau has not investigated disputes and information remains on report. Investigation not done within the time frame required by law. 

XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
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: KY
Tags: Servicemember

Complaint:
they said I was behind on my payment XX/XX/XXXX and XX/XX/XXXX by more than 30 and more than 60 days they report this to the credit company I disputed this with them but they keep reporting it tried to tell them. I have never been late in the 4 and a half years I have been paying on this loan I want them to stop reporting that I was late because I was not

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 2020-07-29
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: EQUIFAX, INC.
State: NY

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX  We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint:
XXXX XXXX XXXX XXXX Is reporting a collection account totaling {$1100.00}. Per the documents that they have provided they purchased the stat from XXXX XXXX and the debt was charged off by XXXX XXXX on XX/XX/XXXX. I have requested a complete transaction history to support the amount they claim I owe and to date they have been unable to provide it. Further, they are reporting an account open date of XX/XX/XXXX but the actual death occurred before XX/XX/XXXX Per the document that they provided. It is my understanding that Credit Card Debt has a statute of limitations of 4 years. Per the document they provided from XXXX XXXX the actual debt is over four years old but they are reporting it on the credit report like the debt began in 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 explanation
Consumer complaint received 2021-12-27
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: WA

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX placed hard inquiries on XX/XX/2021 and XX/XX/2021. I have not requested nor applied for credit with XXXX in the past 2 years. I contacted Experian on XX/XX/2021 to request the removal of such inquiries and they said I needed to contact XXXX directly. I contacted XXXX on the same day and submitted an investigation into such inquiries. I never received any answers from XXXX and the hard inquiries still show on my report. 

Then on XX/XX/2021, a new credit card from XXXX was added to my credit report ( date opened : XX/XX/2021 ; credit limit : {$5000.00} ; balance : {$32.00} ). Again, I have not requested nor applied for credit with XXXX in the past 2 years. I contacted XXXX again on XX/XX/2021, they said they could not find such new credit card under my name but have not been able to get the credit card and the hard inquiries from XXXX and XXXX removed from my credit report. 

Attached please see Experian report with the disputed account and hard inquiries highlighted in yellow.

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 2023-02-22
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: VA

Complaint:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

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 2023-06-28
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: CCS Financial Services, Inc.
State: VA
Tags: Servicemember

Complaint:
Credit Collection Service ( CCS ) has put a collection item on my credit report. I have never received services/contract with them. They refuse to furnish me with a contract for goods/services that I received from them. How can I pay for something that legally I don't owe?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint:
On XX/XX/2020 I received a letter from a debt collector ( XXXX XXXX XXXX , XXXX ) alleging I owe Synchrony Bank, issuer of the Old Navy Credit Card ), an unpaid balance of {$530.00}. This was the first time I have heard of this outstanding balance. Since the last time I used the account ( cant remember when because it was a long time ago ) I have not received any notifications in the form of account statements nor a letter advising that I past due amount or being sent to collections. They alleged they sent it to my address which if I had received it, I would have paid. I have excellent credit ( score well above 750 ) and would not want to jeopardize it in any way. I contacted Synchrony Bank to confirm if this notice was not a fraudulent attempted and they confirmed they sold my debt to a debt collector. When asked to provide copies of the alleged purchases, XXXX, the rep from the Recovery Department, said that the company already sent it to me and I should have it. I insisted to speak to a supervisor and he claimed there are none on staff. He was very rude and unprofessional. Spoke to me in an accusatory manner. I proceeded to call XXXX XXXX XXXX XXXX, and after explaining the situation to XXXX from XXXX XXXX, XXXX, and demanding to see the charges they are claiming I made which make up the past due amount, the call got disconnected. I have made several attempts to contact them and the call gets dropped. This is unfair and abusive practices trying to bully consumers into paying something without giving any details on the charges. This is un acceptable.

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 2023-03-28
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: CA

Complaint:
On XX/XX/XXXX, I contacted TransUnion regarding accounts that are reporting incorrectly. As of today, they have not responded or fixed the issue. The following accounts are in question : The information presented on the account XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5600.00} ) needs to be investigated. Moreover, I know the original creditor XXXX XXXX XXXX XXXX CA, but I have not been contacted by XXXX XXXX XXXX. The Balance amount of {$5600.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. Because of these inaccuracies, I dispute the whole account and I insist that you verify the following dates : Date Opened and Date of First Delinquency. 

The information presented for the account XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$140.00} ) is also inaccurate. I bear in mind that the original creditor on this account is a distinct company XXXX XXXX XXXX than the one you indicate. You present erroneous information about the Balance of {$140.00}. You report a higher Balance than the amount I suppose I owe. The problem is that this information is far from truth and I dispute this account, and I also claim a verification of Date Opened and Date of First Delinquency.

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 2023-06-12
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: NJ

Complaint:
Hello The original debtor is XXXX XXXX. I voluntarily had my bad service disconnected at my new location because the service didnt work properly. I talked to them by phone and email trying to resolve the issues. We agreed I would disconnect WITH NO PENALTY since it wasnt my fault. I had several service technicians out and nothing worked. I am attaching several emails of my complaint. XXXX and this collection agency calls me every day from different phones. I feel harassed and I have to keep blocking these numbers from my cell and my business line. How dare they think I should pay early termination fees after agreeing that i didnt have to pay due to bad service. 
I will also attach collection agency letter as well. They are trying ti mess up my credit. Just like the insurance companies when you switch companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
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: Possible Financial Inc
State: CA

Complaint:
This company refuses to remove or update their credit reporting entry on my XXXX credit report after being notified that I have filed for bankruptcy on XX/XX/2022. They still are showing false and erroneous information on my credit report regarding my account with them. They are showing that I have a balance owed and that it was a charged off account and in collections when it should only show that it was included in my Bankruptcy and that it is a closed account with a XXXX balance on it. They are in direct violation of my consumer rights and Federal laws by refusing to either remove or update the information that they are reporting about me on my credit reports. This debt was already disputed with XXXX and it came back as being a valid and accurate debt with no changes to my credit report information. Clearly they have lied to the Credit bureaus as well because I am in bankruptcy and they know this because it reflects this on the other credit bureaus but not on XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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