hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-12-07
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: EQUIFAX, INC. (FL)

Complaint:
This is an ongoing and continued fraud being carries out by XXXX, Equifax and XXXX. For seven year I have been reporting this fraudulent claim and for seven years they have been taking it off and Equifax has been putting it back on my credit report with a different collection agency. For seven years they provided no documentation and suddenly now have found fraudulent document, which does not even relate to their false claim ( see attached file ). 

My last request for this false claim to be removed from my Equifax credit resulted in a report from Equifax on XX/XX/2020 stating that they were no longer reporting the false claim. To this date they are still reporting this false claim and continue to carry out an attempt to extort money out of me. This is the same scam that the parking debtors were using to scam money out of people by making false claims of money owned in an effort to get people to pay rather then fight the false accusation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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. (IN)

Complaint:
I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 XXXXXXXX

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 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

Complaint:
I am a credit card holder from Union Bank, XXXX XXXX XXXXXXXX, XXXX, TX XXXX. I, In the last 5 years, I have made only one transaction in this account. It was in XX/XX/XXXX for a balance transfer. The balance of {$7200.00} in this transaction was paid in full on XX/XX/XXXX. I have not made any transaction since then and did not activate new cards which means my account was inactive since XXXX. The Union Bank 's statement of XX/XX/XXXX shows that the balance in my account was XXXX. However, in the statement of XX/XX/XXXX, the balance jumped to {$1100.00}. It shows that the Union Bank has allowed a fraudulent transaction to take place in my inactive account. I have written a letter dated XX/XX/XXXX to the bank about this fraudulent transaction but to date there is no response. Also, I called Union Bank on XX/XX/XXXX and spoke to XXXX. He assured me that he would forward my complaint to the fraud div. but to date there is no response. My credit score is XXXX and XXXX  years of my credit history there is not a single missed payment.

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 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items with the credit bureaus but they did not remove them, nor prove validation. 
Under Sec. 602 FCRA " I have a right to privacy '' XXXXXXXX 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 2019-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (TN)

Complaint:
I requested a credit line increase online. At no time did it say there would be a hard inquiry made on my credit report. I would not have approved that. Barclays refuses to produce any documentation I approved a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
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: EQUIFAX, INC. (VA)

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
No way to access credit report or score online without paying ; requested annual credit report and received nothing in the mail. They could be illegally sharing information and not sharing my credit report history with 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 non-monetary relief
Consumer complaint received 2023-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (AZ)

Complaint:
Sometime in XX/XX/2023, I realized a unknown collection account added to my credit report. XXXX XXXX XXXX is a collection agency I am unfamiliar with. Medical Data is the original creditor and I have never received a medical bill in my life yet alone been to the hospital. Someone has stolen my identity as well as put numerous unauthorized credit inquiries on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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: EQUIFAX, INC. (MO)

Complaint:
Equifax has violated my consumer rights multiple times. I have sent them identity affidavits, and I have asked them to stop reporting invalid information. I have asked them to abide by federal consumer laws and they have continued to intentionally violate my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
BofA decided to close my account. I received a deposit while account was " restricted '' BofA from XXXX until XXXX XXXX BofA CSR 's told me I would receive a cashiers check and it would be mailed on the XXXX. When i called on the XXXX BofA then informs me they can not mail me anything until the claims on my business accounts are resolved. so I had to close the claims totaling XXXX and lose any chance at getting it back just to get the money BofA is holding hostage. I have no access to my money and everyone I talk to seems to give me misinformation. I NEED MONEY FOR MY BILLS. BofA is a criminal enterprise

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 2023-07-18
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. (IL)

Complaint:
While reviewing an updated copy of my credit report, I discovered that these inquiries are reported. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
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: EQUIFAX, INC. (CA)

Complaint:
In accordance with the fair credit reporting act XXXX account name : XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CA)

Complaint:
Synchrony Bank XXXX XXXX Car Care card was opened as a result of data breach of fraud was sent to some undisclosed address that I don't know and was used the moment it popped up on my credit report I contacted Synchrony Bank and the approve the claim and the listing was removed now they are constantly putting it back again with a different account number so that it can bypass the credit report filter and holding me accountable and trying to extort money out of me on a card that was never opened my me please help every single month reporting is removed a new account is issued and then back to square one

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 2022-11-02
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. (TX)

Complaint:
I have sent letters regarding fraudulent information in my report, but I did not receive any response. It is my right to dispute something inaccurate and also to receive response from what I sent. They have violated my rights because it has been XXXX  days.

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 2019-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
In reference to complaint XXXX-XXXX, the company response, dated XX/XX/2019, stated : " XXXX/Dept. of Ed deleted the first date of delinquency of XX/XX/2019, updated the current balance to reflect {$14000.00} and deleted the instances of the account being 90 days late and change the payment due amount to {$120.00}. '' However, The TransUnion Investigation Results dated XX/XX/19, which I received via USPS on XX/XX/19, still shows a 90 day delinquency on my XXXX account as of XX/XX/2019.

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 2019-09-13
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: Navient Solutions, LLC. (TX)

Complaint:
This My Second ComplainXXXX, The First case was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company (IL)

Complaint:
Merchants Credit Guide company violated my HIPAA rights by asking for and obtaining my medical records which contained procedures and other documents. This was reported on my credit report on XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rent Recovery Solutions (OH)

Complaint:
RENT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX have a a unverified account from. I had previously disputed this account. I have never done business with RENT RECOVERY SOLUTIONS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt RENT RECOVERY SOLUTIONS purport I owe. I request that RENT RECOVERY SOLUTIONS Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that RENT RECOVERY SOLUTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MI)

Complaint:
Unauthorized Transactions without me knowing or my knowledge of who did or may have preformed these transactions On Dates Below XX/XX/2023 Withdrawls - XXXX $ XXXX {$100.00} $ XXXX XXXX, XXXX XX/XX/2023 Withdrawls - XXXX $ XXXX XXXX XX/XX/2023 - XXXX $ XXXX XXXX $ XXXX Ga XXXX {$200.00} XXXXGa XXXX $ ATM Frees Actions taken by the company were simply outrageous stating no error was found when I have never been to Georgia. My card was lost and obviously compromised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (NJ)

Complaint:
Discover Card refuses to refund me for fradulent charges from XXXX XXXX. The charges in XXXX estimate to be about {$1000.00} There are other fradulent charges to the account. I also remember several charges in XXXX. The charges total in an amount over {$700.00}. Moroever, they closed my account unlawfully, in XX/XX/XXXX, however, they sent me a regular statement during XX/XX/XXXX. I was also entitled to more unemployment benefits during the month of XXXX XXXX. They charged me {$70.00}, a month, while sick and unemployed. They refused to re- open my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

Complaint:
I used XXXX points to book a trip with chase ultimate rewards. After 10+ hours on the phone with them they finally emailed me the ticket confirmation, which says the trip is booked and no additional fees are due. That was on XX/XX/2021. That day a representative also confirmed the tickets were booked and no additional fees were due. 

On XX/XX/XXXX, the day of the trip, I took the confirmation to the airport with all my bags. The airline told me the ticket hadnt been issued, they could see the booking but it was being withheld by chase. I got chase on the phone and they dragged out our call foe 75 minutes, refusing to fix their error because it would cost them too much After the booking window closed for my flight, I was forced to beg the employees of XXXX XXXX to let me pay them on the spot to book the tickets chase said they had booked, then refused to issue. 

This cost me {$17000.00} - money I dont have, but I didnt have a choice. I am going to XXXX for a wedding I cant miss. 

Chase gaslighted me on the phone so long I had to RUN over half a mile from the XXXX XXXX ticketing desk to XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, carrying my bag. I was injured in the process but once again had to make the choice between missing an event Id been planning for months and appropriately resolving the situation. I boarded the plane sweaty ans injured for a long haul flight

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
They have refused to investigate and remove the unverifiable and inaccurate accounts from my file for over two months.

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 2023-01-11
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: EQUIFAX, INC. (FL)

Complaint:
When I investigated my credit report, I realized that some of the items were erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
On XX/XX/XXXX, I noticed fraudulent charges on my credit card account in the total amount of {$1400.00}, including 5 charges from XXXX ; {$270.00}, {$65.00}, {$320.00}, {$320.00}, {$430.00}. I immediately notified Bank of America ( BoA ) over the phone regarding those fraudulent charges. 
On XX/XX/XXXX, BoA sent a letter saying that the fraud claim was not approved because " we confirmed the merchandise was shipped or service ( s ) was provided to an address listed on your account ''. However, nor only did I nor any of my family member not make any purchases from XXXX, but also we did not receive any merchandise nor service ( s ). There was no information nor evidence provided that proves those were our charges. 
On XX/XX/XXXX, I made a call to the BoA dispute department and asked to reopen the investigation and send us any information and evidence pertaining to these fraud charges. However, they never send any further information. 
On XX/XX/XXXX, I mailed ( registered mail ) a letter to BoA asking to re-investigate and provide more detailed information on those charges. 
On XX/XX/XXXX, I received another letter from BoA ( dated XX/XX/XXXX ) saying that " our decision to decline your fraud claim for this transaction ( s ) hasn't changed ''. However, there was no further information such as the name of the person who made the purchases, email address, phone number, IP address in which those charges were made, and the proof that those merchandises or service ( s ) were received at our address, etc. 
As of XX/XX/XXXX, I have not heard nor received any correspondence from BoA regarding this matter.

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