hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2020-05-17
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-10-29
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:
See letters sent, personal info needs to be updated, unauthorized inquiries need to be deleted and the violations on the accounts listed need to be deleted

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 2022-05-21
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: EQUIFAX, INC.
State: AL
Tags: Servicemember

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX  Accounts below 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. 

Collection Accounts : XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$620.00} XXXX XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$540.00} XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$250.00} XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$2500.00} XXXX XXXXXXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$550.00} Credit Cards : XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX  Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$330.00} Closed XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed Loans : XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$4600.00} Closed Public records : XXXX  XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Dismissed and Closed State XXXX XXXX XXXX XXXX  Date reported : XXXX XXXX XXXX Amount : {$0.00} Closed and Paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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: GOLDMAN SACHS BANK USA
State: NY

Complaint:
I noticed an unauthorized charge on my Apple ( Goldman Sachs Mastercard ) from the app store as an in-app purchase. I disputed the charge and it was denied. I requested a review of the denial and it was denied again. Apple support stated there is nothing they can do and I am responsible for the unauthorized charge as they have no recourse after initial dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: 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: NV

Complaint:
I found multiple items on my credit report that I never applied for or ever had. I sent disputes letters information the reporting agencies of these inaccuracies and have not received any response to my disputes.

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 2023-01-31
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: SC

Complaint:
As a loan servicer XXXX  has not provided the required disclosure that give me the option to opt out of having any information reported about me. If you are using Department of Education as your backing then you are 15 USC 1692f false and misleading practices to collect a debt. A consumer report does not include transaction or experiences between the consumer and the person making the report that's a violation of 15 USC 1681b. The Federal Government is backed by the Credit of the people does not say corporations or banks in fact 12 1431 States that banks have the power to borrow. So I need for XXXX to show proof that there was actually a " loan '' because I know for fact that there are no such thing as a " loan '' for a consumer. Failure to do so will result in actual damages and fraudulent practices.

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 2023-03-01
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: SC

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. 

Accounts : XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX have 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20
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: TN

Complaint:
XXXX and Transunion are reporting an incorrect coding of the XXXX/XXXX   partial account number XXXX. This account actually this needs to be coded as an XXXX. ( Please see pages 8 and 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2022-07-14
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: EQUIFAX, INC.
State: GA

Complaint:
When I reinvestigated my credit report, I realized that some of the accounts were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below and remove the negative remarks : XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX  XXXX XXXX Balance : {$8600.00} XXXX XXXX  XXXX XXXX XXXX : {$4600.00} XXXX XXXX XXXX XXXX Balance XXXX {$650.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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: Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2020-06-27
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: EOS Holdings, Inc.
State: TX

Complaint:
After reviewing my credit file I noticed that EOS is reporting a paid medical bill however I have found out that this utility bill is a result of identity theft. I have enclosed my FTC Identity Theft Report, police report, proof of my identity and a copy of my credit report showing the fraudulent items. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
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: U.S. BANCORP
State: VA
Tags: Older American

Complaint:
We are a XXXX XXXX that dates back to XXXX. We have a XXXX XXXX in XXXX VA and we do work for private firms, corporations, schools and government all over the country. We specialize in XXXX  XXXX and XXXX XXXX 

We received an order from someone posing as a purchasing agent for XXXX University. 

They paid a total of {$15000.00} for 5,000 USB drives with a 2 color logo on them.

( We are in the XXXX XXXX ) They sent over a purchase order, his email address looked legit along with his tagline. We were able to look him up in the directory at XXXX  University. Everything  checked out. 

I paid XXXX to get the XXXX XXXX XXXX and shipped them to the customer, that money is already spent ( so I could profit {$3000.00} ) Weeks later theXXXX was charged back and my bank account went negative {$15000.00}. 

Elavon initiated the chargeback, they are also holding $ XXXX ransom for other credit card payments we received from our customers. 

The end result is my company being out XXXX + XXXX + {$4000.00} that Elavon will not give back. 

My insurance policy has some sort of Cybercrime Protection as well. 

So far everyone is pointing the finger at me and telling me that they can't help me. 

Apparently the card was flagged as stolen back 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 2019-03-05
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: GA

Complaint:
On or about XX/XX/XXXX I received a XXXX XXXX credit card in the mail from XXXX XXXX. I had not applied for this card. I immediately cancelled the card, filed an identity theft claim with the FTC and froze my credit. I sent written confirmation to XXXX XXXX XXXX as instructed by the FTC, actually using the letter they provided. I received a letter yesterday ( XX/XX/XXXX ) stating that my claim of identity theft with that account had been denied and I would be responsible for the charges which are {$1100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It 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 non-monetary relief
Consumer complaint received 2018-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint:
XXXX XXXXXXXX XXXX XX/XX/2017 XXXX, IL XXXX Hard inquiry - Needs to be removed Not authorized XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX, IA XXXX Hard inquiry - Needs to be removed not authorized XXXX XXXX XXXX XX/XX/2017 XXXX XXXX, MI XXXX Hard Inquiry Needs to be removed Not authorized XXXX XXXX XX/XX/2017 XXXX MN XXXX Hard Inquiry Needs to be removed not authorized XXXX XXXX / XXXX XX/XX/2017 XXXX XXXX, MN XXXX Hard Inquiry Needs to be removed not authorized XXXXXXXX XXXX XX/XX/2017 XXXX XXXX, mn XXXX Needs to be removed not authorized hard inquiry XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX CA XXXX XXXX XXXX, MN XXXX 2 on the same day - Please delete hard inquiry not authorized XXXX XXXX XX/XX/2017 and XX/XX/2017 XXXX XXXX XXXX XXXX TX XXXX Hard inquiry please delete not authorized XXXX XXXX XXXX XXXX TX XXXX Hard Inquiry needs to be deleted not authorized XXXX XXXX XXXX XXXX XX/XX/2017 XXXX LA XXXX Needs to be deleted not authorized XXXX CO Dual Card XX/XX/2017 XXXX, FL XXXX Needs to be deleted not authorized XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2017 Not authorized Needs to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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: American Credit Acceptance, LLC
State: GA

Complaint:
American Credit Acceptance Acct XXXX In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, It states I have the right to privacy. 15 USC 1681 section 604A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 uses 1666b a creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint:
I have provided Equifax with proof that three accounts on my credit report are due to ID theft. Equifax employees have stated that my FTC affidavit is valid, but they are refusing to block even though I have never requested for those items to be blocked before. They also stated that they have received my documents on XX/XX/XXXX it is now XX/XX/XXXX. Per the FCRA the items were supposed to be blocked within 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
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: CBC Companies, Inc.
State: IL

Complaint:
My Innovis Consumer Report is showing a negative account with XXXX XXXXXXXX XXXX account # XXXX, where the date of the 1st Delinquency or 30 days late is not being reported. It is missing and this makes the account incomplete. 

On or about XX/XX/XXXX, I sent a letter to Innovis Consumer Reporting Agency requesting to investigate and provide this information. ( See attached document ) On or about XX/XX/XXXX Innovis responded : " The disputed information was verified as accurate '' ( See attached ) However, the missing information wasn't provided and is still missing. How can the missing information be accurate as being missing? It simply does not make any sense. 

Can you please direct Innovis to provide me the date of the 1st Delinquency and to include it in my report? If they are unable to provide me, please direct them to delete this item from my report. 

Thank you p.s. ANY RESPONSE REGARDING THIS BCOMPLAINT SHALL BE LIMITED TO THE PROBLEM STATED ABOVE AND MAY NOT EXTEND TO MATTERS WHICH THIS COMPLAINT DOES NOT INVOLVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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: TX

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECONDLY IVE NEVER OWNED AN ACCOUNT WITH THE ACCOUNT # STATED ABOVE AND ON MY REPORTS. NOT MY ACCOUNT.

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 2018-11-18
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: NC

Complaint:
In the matter of XXXX XXXX XXXX. I have started many disputes for the reporting of inaccurate information on my credit reports.in the month of XX/XX/2018, you can see the proof that on Experian and XXXX XXXX at the same time different information was being reported. ( see attached files ) The FCRA protects me from having inaccurate from being reported. Also, I was turned down for credit that I would otherwise receive. In complaint # XXXX with the Attorney General, XXXX XXXX per XXXX On XX/XX/2018, sent a letter saying the account is valid and accurate. I only started looking into my credit in XX/XX/2018, so it only shows the lies from them are true.

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 2021-02-16
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: RateGenius Loan Services Inc
State: AZ

Complaint:
XX/XX/XXXX, rategenius rep XXXX XXXX pulled a hard hit on my credit score without authorization. I applied originally XX/XX/XXXX and refused the loan. I did not agree to have my credit score pulled or checked again. I do not want this loan. He had no permission to incur another hard credit hit and offer another loan I do not want. When I tried to contact credit union west I was on hold for 20 minutes and hung up on. Tried calling XXXX directly and went to voicemail instantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint:
In XXXX, I filed for Forbearance and did the extensions in XXXX. I was 1 month behind at the time of the initial filing which is why I needed the forbearance. I was lead to believe that payment would be included in the forbearance. 

Every month XXXX reported the loan as 30 days late in accordance with that missed payment that should have been rolled into the forbearance. 

Every month XXXX accrued interest on that payment and forced collections on it once the forbearance period was over.

Company response to consumer: Closed with explanation