hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
Dear CFPB, I have contacted Equifax Informations Services over 6 times and to no prevail. They are not reporting and investigating the unauthorized and fraudulent account. I have provide all the documents requested by the FTC and Equifax. The creditor stated they have not been contacted by Equifax to verify that account and have no records. 

This is becoming Stressful dealing with Equifax and I am also including in their data breach to add more stress to me and my family. I need this resolve promptly and need Equifax to do the right thing in investigating and removing this misleading information on my credit profile. 

The account that does not belong to me and needs to me Delete and remove promptly is : XXXX XXXX  XXXX XX/XX/2015 {$6500.00} I have tried everything the right way and still Equifax is not doing the right thing to help resolve this situation that against my FCRA rights. 

Thank you for helping me resolve this issue. Appreciative XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
Unauthorized inquiries from XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

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. 

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 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 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AutoStar Finance, Inc - D/B/A Atlanta AutoStar

Complaint:
On XX/XX/XXXX my husband and I financed a car with Atlanta Auto Star. We searched for a car dealer that reports to all 3 credit bureaus and chose Atlanta Auto Star for their advertising statements that they report to all 3 credit bureaus. For 1 year and 2 months this company reported our on time payments/never late to all 3 credit bureaus. In XX/XX/XXXX they stopped reporting to any credit bureaus. We contacted the owner XXXX XXXX who advised us that for his business needs he has stopped reporting. We advised him that we only went through his company because he reported to all credit bureaus. We insisted that we were never notified in advance of a change to his business practices and reporting processes. He said there was nothing he can do. We feel like we were mislead with false and misleading business practices to get a loan with his company. This has now ruined our opportunity to purchase a home and has now stalled our credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
On XX/XX/XXXX, I tried to open my Bank of America Adv Plus Banking Checking account online with the promotion code XXXX, which requires " set up and receive Qualifying Direct Deposits equaling a total of {$4000.00} or more in your new personal checking account within ninety ( 90 ) days of account opening '' to receive {$300.00} bonus. My application didn't go through, and I was told to go to a branch to open the account in person. 
So I went to Bank of America Financial Center at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The banker there, whose name is XXXX XXXX <XXXX> opened the account for me, and told me that would receive my {$300.00} bonus after my I have the direct deposit requirement satisfied. 
So in XXXX and XXXX, I made Direct Deposits totalling more than {$4000.00} to that checking account. In XXXX, I went back to check with the branch, I met with XXXX and the branch manager XXXX XXXX <XXXX>, but they told me that my account must be opened for 120 days before receiving the bonus and I just need to wait for the bonus. 
So I waited until XXXX and still didn't receive the bonus, so I came back and checked with XXXX again only to be told that she would tell her manager about this and I should be receiving my bonus soon. 
In XXXX, I still didn't receive my bonus so I came back again, this time I got to know that the manager had been transferred to another branch. XXXX told me that she was filing a case ( case # XXXX ) so that I can receive the bonus. She told me to call in to check the status and I should be receiving the bonus soon. About a month later I still didn't receive my bonus so I called in and the representative on the phone told me my case hadn't been resolved and she would escalate my case. 
Today ( XX/XX/XXXX ), I called in again only to know that my case was rejected, and the rep told me the onlything he could do is to escalate the case again, and told me to check back with the branch manager where I opened my checking account. 
In summary, I opened the account because the banker XXXX told me that I would receive the bonus, which I never got, although I already had to go through several loops, went to the banks several times and wasting numerous hours talking to multiple Bank of America representatives.

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 monetary relief
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO HARRIS BANK NATIONAL ASSOCIATION

Complaint:
I attempted to make my XXXX payment on XX/XX/02, but was presented with website error. I have been unable to get into my BMO Harris digital banking account. I had attempted to reach the phone number provided in communication, but the calls never went through. Once I finally reached a representative at BMO Harris, they unlocked my online access -- though the website error never indicated that my account had been locked. When I attempted to make the payment, BMO Harris then froze the transfer feature on my account with a fraud flag. I had to call in again, and they put in a request to unlock this and push my payment through. The payment was then successfully drafted from my checking account a few days later.

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 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
I applied for an apartment rental and was denied because of information appearing on experian. I am being denied a place to live the dates are. XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX .i believe my information may have been breached. There is no judgement posted on this 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 non-monetary relief
Consumer complaint received 2015-12-07
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL

Complaint:
I have reached out to XXXX XXXX to make a settlement on a care credit account. After multiple discussions with collection specialists, I asked for clarity on the reduced settlement amount that I was offered. XXXX refused to provide me in writing prior to making the settlement payment of {$1500.00} that this is the amount that they offered to pay. I then asked to speak with a collection manager and was told that the manager was not on duty by XXXX XXXX. Per XXXX, no letter can be sent until after payment to reflect settlement. He initially refused to allow me to speak with a manager. I was then transferred to XXXX XXXX who then admitted that he was a collections specialist and not a manager. I then transferred to XXXX XXXX who identified herself as a manager. She initially told me that following payment on my settlement, I would receive my confirmation in 7 to 10 days. She then refused to answer any further questions and transferred me back to XXXX XXXX. I am now being told that I will not receive my confirmation of payment for approximately one month. I raised the concern of paying a settlement of debt without any proof of the agreement. I was told that the call is recorded and that is sufficient enough. I am requesting XXXX XXXX provide me in writing confirmation of the agreed upon settlement. I was told I can not receive any proof of amount for settlement via fax or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint:
I have never lived at XXXX XXXX XXXX. XXXX, IN. I have had extensive identity theft, and mailed documentation to all of the 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 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Dear CFPB - I am resubmitting my complaint against XXXX XXXX XXXX. Please refer to closed complaint XXXX for additional history. XXXXXXXX XXXX has advised CFPB that they have not reported any new events to the CRA 's since XXXX, which is false. On XX/XX/XXXX, XXXX transmitted an update to Transunion that my account was in a delinquent status, which is false. As stated, the servicing of my mortgage was transferred to another party in XX/XX/XXXX. CFPB, please investigate as to why XXXX refuses to update my Transunion from a delinquent status of 120 Past Due. I have included snippets from my current report and the credit monitoring alert which indicates XXXX just recently updating my account status. This event update contradicts what XXXX Complaince Dept XXXX XXXX states in her response to my CFPB complaint # XXXX. XXXX also goes on to state that XXXX must report account transferred, but this is another contradiction to what has actually been reported to the CRA 's. Example enclosed. I am requesting for the CFPB to reinvestigate this matter. XXXX 's response was more focused on my payment history and not what they are currently reporting to the CRA 's instead of the current status of the account with XXXX, which is closed with a XXXX   balance, account transferred. I think the CFPB prematurely closed my initial complaint because of payment history and bankruptcy fluff written by XXXX XXXX. Now I have included documented proof to support my complaint about 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 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

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. 
XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I have been disputing the erroneous accounts and information reporting on my Credit Report but all my Disputes have been ignored and neglected by the Credit reporting Agencies. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required o conduct an investigation and verify the disputed items being reported on my Credit Report. And if the Credit Bureaus insist that the Disputed accounts are verified, I need the Credit Bureaus to provide me copies of proof of verification. However, all my previous requests for proofs of verification have been neglected by the Credit Bureaus. I am submitting this CFPB Complaint to request another investigation and correct my Credit file from any erroneous reporting. I need the following items deleted if the Credit Bureaus are not able to verify : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1100.00} DPT EDXXXX XXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}

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 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE

Complaint:
I am writing because Ive been in contact for months with Barclays to dispute a fraudulent transaction on my credit card. Ive been transferred between the dispute and fraud departments every time I call. Ive been told a supervisor is never available but that one will call me back, and yet Ive never gotten a call back. 

The dispute I have is regarding a transaction on my Barclays account where a merchant overcharged me. I was in XXXX XXXX, XXXX at a bar on XX/XX/21 with a friend, and when I attempted to pay the bill for drinks, I was told we owed {$8000.00} XXXX XXXX. I handed my XXXX credit card I use for daily purchases to the waiter who walked away to charge the card, but when he returned, I was told the card declined. 

I then proceeded to attempt to pay with another XXXX card and I was told it declined too. The same happened with a XXXX XXXX I tried to use. I then tried to pay with my Barclays card, but again the waiter returned to say the card declined, and I would need to pay with cash. A representative of the bar then took me to a nearby ATM, and I made a withdrawal, and paid my bill in cash to pay this. I was given no receipt, but I was allowed to leave the bar at this point. 

It was not until I checked my Barclay account online much later that I discovered the Barclays card was charged! Not only was I lied to about the transaction, but the card should NOT have been charged at all because I paid in cash, and the amount also charged is outrageous, and not in line with my bill that day. Plus, I never signed a receipt for that charge. When I noticed the charge, I contacted Barclays to help resolve the matter because I had no way to contact the bar, and I do not speak good enough Spanish to have been able to discuss the matter with them either way. 

I provided a copy to Barclays of the ATM transaction for the cash that I used to pay the merchant, as well as the text messages from both XXXX XXXX & XXXX showing the merchant was trying to charge my account random and outrageous amounts which were not authorized by me and are clearly fraudulent. To date, Barclays has denied my claim once, providing no explanation.

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 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$16.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC

Complaint:
In XXXX, I paid " XXXX XXXX XXXX  '' located at XXXX XXXX XXXX XXXX, FL XXXX, the agreed upon amount to close my collection account. The collection was still being reported on XXXX back in XXXX, so I called to see what the issue was, and XXXX XXXX XXXX  informed me that everything should be all cleared up. It is now XXXX and my account is still showing up as in collection on XXXX, and I would like it removed as it is rendering me unable to apply for new credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.

Complaint:
This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. On a few separate occasions I have disputed with all three credit bureaus XXXX, XXXX, and XXXX pertaining to a credit card with XXXX, Account # XXXX for the date of last activity, payment history, status and the dispute was returned verified. After some further investigation on my part, I am also concerned that this account and the reporting to XXXX, XXXX and XXXX are inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/2009 ), this Notice includes : Identification of the specific information being disputed XXXX, XXXX and XXXX reporting for Account Number : XXXX Basis for the dispute : The monthly payment, open date, high credit, last reported date, date last active, date of last payment and payment history are different and inconsistent between the three credit bureaus. 

Supporting documentation : I have included the excerpts of my credit reports showing how this accounts is being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

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

Company response to consumer: Closed with explanation