hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2019-08-05
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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint:
I explained to my credit provider that I was new to credit and for this fact after sending in my own money to open up a credit card I really did not believe I was obligated to make ontime monthly payments ... Since the issuse I have never been late ... I just want it to go away permanently..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
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: EQUIFAX, INC.
State: TX

Complaint:
I have reached out to Equifax well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
Want to have this removed from acct. wrong dates XXXX XXXX system XX/XX/2017 : XXXX XXXXXXXX {$3900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Product: Debt collection 
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying
Company: CMRE Financial Services, Inc.
State: NJ

Complaint:
In XXXX or XXXX ( I believe XXXX ), I received a letter from CMRE Financial Services , Inc. stating that a collection from XXXX XXXX XXXX was placed with them. Immediately, I notified CMRE ( by USPS Priority Mail with Tracking ) that I did not recognize the charge, did not recognize the amount, and had no recollection of any of this. This was delivered to them, as indicated by the tracking number on the package. In this letter, I not only asked for debt validation, but advised them to only contact me through written correspondence, as I am unable to take phone calls, and doing so could risk my husband 's employment. 

Instead of acknowledging receipt, they sent an additional collection notice on XX/XX/XXXX, WELL AFTER receipt of my letter indicating I would need validation. To add further insult to injury, they now have begun to attempt to communicate by phone. None of this is acceptable, and a gross exaggeration of their duties, while violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
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: SYNCHRONY FINANCIAL
State: CA
Tags: Older American

Complaint:
Someone tried to open a PayPal credit card with my info. I called the company and they closed it but it still shows as a hard inquiry in my credit report in  XXXX .  XXXX / XXXX / 17

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 2018-12-05
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: EOS Holdings, Inc.
State: CO

Complaint:
I have not had XXXX XXXX for over 6 years and i never owed anything when i closed my account. I paid it in full. I now have a collection on my account from a collection company for this account. I have tried to have it removed by addressing it with the credit bureaus but have had no success. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Product: Debt collection 
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA
Tags: Servicemember

Complaint:
Received an alert XX/XX/2021 of a derogatory account was listed on my credit report. Was removed by XXXX and XXXX immediately as it was an account deleted previously last year after company could not verify debt. Contacted company 3 times via certified mail after violation of FDCPA of not notifying right to dispute. Company refuses to provide documentation to verify debt by law or remove debt in accordance with FDCPA. 3 certified letters : XX/XX/2021 : USPS XXXX ; XX/XX/2021 : USPS XXXX and XX/XX/2021 : USPS XXXX

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: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL
Tags: Servicemember

Complaint:
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want full validation of the accounts listed above including the originally signed contracts with my signature if you can not verify the accounts you must remove the accounts under FCRA Laws. 

Thanks

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 2020-03-24
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint:
I have disputed this debt with Transworld Systems multiple times dating back to XX/XX/2019 and the company has not received correspondence from the residential community claiming I owe this balance. They have been given more than enough time to prove I owe this debt and I have received no response. The account remains on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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:
report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2020-04-27
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: TN

Complaint:
A ACCOUNT THAT IS NOT MY ACCOUNT HAS YET TO BE REMOVE FROM MY 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 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX
Tags: Servicemember

Complaint:
I am a victim of identity theft ... I have supplied the credit bureau and creditor with the proof that I was never late and made all payments on time and the credit bureau and creditors refuse to remove the late payment which is a voilation 15 U.S. Code 1681i FCRA XXXX  XXXX with late payments to re appear on my credit report causing me personal injury. 
I have send multiple certified mail receipts on this matter over the course of the last 2 years. XXXX XXXX, XX/XX/2020, 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 explanation
Consumer complaint received 2021-04-08
Product: Debt collection 
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: T.S. Holdings
State: IN

Complaint:
I.Q. Data International , Inc. is attempting to collect on debt that is not due. I paid all monies that were due years ago and had no issues since. Out of the blue I received a letter stating that this debt was due. Additionally, it had more than doubled what I originally paid off to the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Product: Vehicle loan or lease 
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint:
XXXX in XXXX is selling people cars with messed up loans. Credit Acceptance is breaking the law by charging people hidden fees in their contract and interest fees that arent legal. They also, sell you a warranty for your car that you cant use! Do not fall victim to XXXX or Credit Acceptance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Product: Debt collection 
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Product: Student loan 
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged
Company: Genesis Lending
State: OR

Complaint:
Hello! I am a " graduate '' of XXXX ( XXXX location ). I graduated in XX/XX/2010. The school was XXXX of the worst experiences of my life. It started on my first day, during orientation, found a forged signature on a document that I 'd never seen. I had my life threatened multiple times, teaches threatening to not let me graduate due to a little facial hair stubble, among many other things .... its hard to explain how terrible this place was. Lies everywhere about post-school work, pay, and life. The school is now gone, closed, and was a pointless +- {$32000.00}. I graduated with a little piece of paper and a huge debt. XXXX colleges has gone away, and so has any credibility of me going to XXXX. I 've paid all but about {$5000.00} of my school loans. There have been multiple reports on loan forgiveness and loan reimbursement. The non-federal loans are paid off due to the 18+ % interest. The {$5000.00} left is for the federal loans. I 've never missed a payment, and have tried VERY hard to make ends meet with this debt. The private loan company is Genesis Lending and they told me to contact you. Their loan amount was around {$13000.00}. I need some help here, XXXX Colleges fraud has null and voided any meaning of me going to XXXX. The school/my " training '' is just a big joke to employers now. Thanks for reading this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
I have an an account with XXXX XXXX Since XXXX of 2016 and have always done monthly payments of {$200.00} to them. I always call and send that exact amount every time and it never changes. Next thing i see i get a 30 dyas late on my credit report from XXXX XXXX on my credit report for {$11.00}. I do n't understand what was going on. i was never notified that there was a difference in the monthly payment that month or that there was a remaining balance. Money is n't an issue for me as i work very hard to pay all my bills. Now my credit is hurt over {$11.00}. I am asking out of goodwill if this can be adjusted and fixed so i do n't have a discrepancy on my report over {$11.00}, If i need to pay the {$11.00} or any other balance up front i will have no problem doing so. Please advise as i am shopping for a new home but now the underwriters are telling me that because of my late payment on my credit report it may not be  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 explanation
Consumer complaint received 2023-01-18
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: GA

Complaint:
I demand these account be removed immediately! These accounts have violated my rights to privacy pursuant to USC 15 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX have violated my right and I sent them multiple cease and desist letters without prevail. Make sure they receive them and delete these accounts of my consumer report! 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. 


Attached is the cease and desist letters for both companies!

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 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 60 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 60 days late. There was an error on their part. I was never 60 days late.

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 2023-08-03
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: CA

Complaint:
incorrect information disputed with all major bureaus and creditors no dispute investigation was opened and no results

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 2019-06-10
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship
Company: CARMEL FINANCIAL CORPORATION, INC.
State: NY

Complaint:
I opened a charge account with XXXX XXXX XXXX on XX/XX/2018 and due to some medical issues I missed XXXX payment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Product: Debt collection 
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls
Company: Radius Global Solutions LLC
State: OR
Tags: Older American

Complaint:
frequent robo calls. they say to contact Radius Global Solutions at XXXX. 
I have no debt nor have I ever used or had contact with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint:
I have state tax liens that have been paid and show on my credit reports as " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your 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 non-monetary relief
Consumer complaint received 2019-02-15
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:
I have never applied for credit with XXXX XXXX. I ask that this matter is investigated and the Hard Inquiry removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
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: Aurora Financial, LLC
State: NJ

Complaint:
We bought our house in XX/XX/2018 loan from Aurora finance, We never got any mortgage payment information. On XX/XX/XXXX they emailed us saying the mortgage interest statement was not delivered. they asked as the right address, so we though ok from now we might get all the mails, They still did not let us know the loan was sold to another company, we did not gt any good bye letter from Aurora. 

On XX/XX/XXXX night we get a CREDIT alert for mortgage being added to our credit and late payment. From which we come to know the loan has been sold to XXXX, we call XXXX the very next day and pay the whole amount which was pending. 

Our credit is down by 280  points because of this. 

We have this complaint against Aurora finance for 1> not letting us know the company they sold our loan 2> after learning they had the wrong address they did not let XXXX know about this. 
3> affected our credit score and not taking any action to let us know or clear this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2018-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Tags: Servicemember

Complaint:
Fraud on account. The creditors disappeared last month and then came back. I spend over 3 hours everyday on phone with the scam artists at TransUnion. They need to remove the following. 


Inquiries : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX   Last 4 of social -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 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint:
I am apply under the Cares act - because of the pandemic I lost my job and unable to maintain the payment to this account XXXX XXXX XXXX Account number XXXX. Please remove the account from all three of my credit bureaus so I may proceed to improve my financial situation. I am requesting relief under the Cares act.

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 2022-09-04
Product: Debt collection 
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: Pacific Credit Exchange Corporation
State: TX

Complaint:
Collection Agency PACIFIC CREDIT EXCHANGE XX/XX/2021 Account Number # # # # # # # # # # # # # XXXX {$4600.00} that I owe I have never signed any written document saying that i owe this debt to this collector. 
they are violation my right of the FCRA as a consumer. 
I do not know who they are and not written consent from my end. 
also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 

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