hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2015-04-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R.M. Galicia, Inc. (OR)

Complaint:
Unable to get a hold of business ( Progressive Management Systems ) who has reported information to XXXX about a medical debt that does not belong to me. I have contacted ( XXXX ) to clarify accuracy of debt, I was told they have No record of me at XXXX they told me to contact collection agency but I am unable to contact the company as every listed number is not active. I have filed a dispute through XXXX but company reports this is my account. how is that when I do n't live in same state or have ever in my life been to a XXXX hospital or group as XXXX has told me XXXX has No record of me. What do I do?

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 2021-07-07
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. (NJ)

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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. (TX)

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2021-02-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
I noticed a charge of XXXX on my account. Dated XX/XX/2021 .I phoned the bank on the day I noticed it and it had posted the day before,XX/XX/XXXX. The bank issued me a new card.although my card wasn't stolen the money was transferred from my account.i received a new card but my XXXX isn't on there.i phoned the bank again and spoke with the fraud dept.and they gave me the run around plus I couldn't understand him because of his language problems.i still have not gotten my money back from the bank.

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 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX : {$6100.00} ; XXXX XXXX XXXX  XXXX XXXX : {$1500.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$4000.00} ; XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$480.00} ; XXXX  XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2020-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (AR)

Complaint:
I recently filed a an identity theft report after realizing my identity had been compromised and submitted it to all three credit bureaus ( XXXX, XXXX, an XXXX. I have also reached out to collection agencies who have appeared to have ownership of the debt. For some reason this account is still displaying on my credit file and it should not be due to it being established through fraud or identity theft. It seems both the bureaus and collection agencies are violating the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. The accounts in question are XXXX XXXX Acct XXXX  Bal {$400.00}, ICS  # XXXX Bal {$130.00}, XXXX XXXX # XXXX Bal {$440.00}, and XXXX XXXX {$150.00}. These accounts are all associated with identity fraud I have submitted supporting documentation for the 2nd time to the three major consumer reporting agencies to support my claim.

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 2017-11-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MI)

Complaint:
I have attempted to dispute the debt of {$440.00} as it appears on my credit report ( s ) by sending a debt validation letter via certified mail in XXXX XXXX. The collection agency, TransWorld, Inc., responded by sending an itemized statement of services. I am bothered by this as this does not prove the debt belongs to me. My signature was not present on the document and this statement did not prove validation or ownership of the alleged account. It is also a violation of HIPAA laws as the aforementioned document disclosed PHI without a signed consent to release information. This is an illegal and reprehensible way to conduct business. If this dispute is not resoled, I may be forced to take legal action against TransWorld, Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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: Experian Information Solutions 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 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 2023-03-07
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. (CT)

Complaint:
I am a victim of identity theft. This is affecting my well-being.It is damaging my reputation and causing great grief to my mental health. This account is being reported on my Transunion consumer report without my consent and its inaccurate and misleading. I've never had a contract or rental agreement to purchase any product with this company. I never purchased or received any goods or services from this company. 
They are reporting false information on my consumer report. This is a violation according to under fcra sec 15 U.S.C1681s-2. Also under Section 605B it clearly states, if a consumer submits an identity theft report to a consumer reporting agency and requests a block on the reporting of information that resulted from the identity theft, the agency must comply with the request within XXXX business days. I was never contacted or never received any notification of this debt or information being reported on my consumer report. These consumer reporting agencies have a responsibility to make sure that the information that they are furnishing is 100 % TRUE AND ACCURATE. I believe they have failed to do so and this is also violates my rights according to 15 USC 1681i ( a ).

The account is only on my transunion report because the other consumer reporting agencies already removed this account because they found it to be inaccurate and invalid. I dont know what made Transunion follow different procedure. 

The account is XXXX Acct # XXXX They state that my high balance is {$5100.00} and they are reporting that i owe {$2800.00}. I challenge all information for this account and i would like to see all original documents including all payment history and all original signed contracts that shows that i agreed to rent a product for {$5100.00} and leaving a balance of {$2800.00}. Thank you for your help. I appreciate it very much!!

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 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
I am XXXX XXXX, Capital One Bank customer from XXXX. I havenever seen such terrible service from this bank like thesedays. 
The whole story : On XX/XX/XXXX my account was locked because of suspiciousactivities. I was trying to make {$500.00} transaction with XXXX XXXX. I spent 1.5 hours confirming my identity, uploading my driver 's license. The account was unlocked finally, but when I tried to use it again it was locked againand Customer service advised me to replace a card.I received a newcard in 3days, and I was able to make one transaction for {$500.00} on XX/XX/XXXX. Then the second transaction for {$200.00} to the same XXXX XXXX XX/XX/XXXX failed, and the accountwas locked again.Today I spent XXXX hours on a phonewith Customer service, and as a result, I was requested to submit 3 more documents to verify my identity. And this time, verification will take up to 10 businessdays. Moreover, I could not submit thosedocuments because the upload link provided by email is not working consistently. I called Customer service again and got an answer that they could not help me with thisissue.On my question, if I have a locked account again would I need to submit another set of documents, I got theanswer that it is unpredictable.As of now, I spent4 hours already trying to resolve the simple issue and I am thinking if I need such service inthe future. Just imagine if I was abroad, and I have to pay for something urgently!!! I understand their concern about fraud activities, but I think it is unreasonableto make customers suffer from the unprofessional way of doingbusiness.As an example, the same kind of verification in XXXX took me 10 min last year. And today I used my XXXX card to make the same transaction with no issues.I am working in the banking industry for almost 20 years and I have never seen such negligence in treating customers. I think they owe me an apology for treating me as a thief. I can not teach them how to do business, but the way they are doing it is unacceptable. People do not have to spend 1 month to make verification in order to use their card account. Now it can be done within minutes, if required. I can tell you this as a professional in this area.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Complaint:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
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: Consumer Adjustment Company Incorporated (GA)

Complaint:
Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Consumer Adjustment Company a request to block a fraudulent account that is being reported on my credit report. The request was sent via certified mail recorded delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

Complaint:
It will not let me use the card at all. It always says " there is a problem with your bank. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc (CO)

Complaint:
I received this companies " proof of Debt '' they are right it is NOT a XXXX - it is XXXX.. STILL NOT MY DEBT! I stated that this is not mine. This debtor needs to contact XXXX XXXX XXXX. The dates are included with a legal case. All original creditors have been contact. further collection is a violation - if you continue, I would be happy to hold you responsible for damages I would be entitled from you to under the law. 

Or you could contact this law firm ask for XXXX ... a paralegal that I know would be happy to set you straight By the way I also mail you the information!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

Complaint:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

I have inquiries from XXXX XXXX that need verification or deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Complaint:
Bank of America can not handle a fraudulent XXXX case that caused me to steal unauthorized {$3300.00} from my checking account without my knowledge, authorization, or the unknown destination of the people who stole this. They have disapproved of my case, claiming it's unresolved after being researched. 

XXXX XXXX XXXX CLAIM NUMBER : XXXX ACCIDENT DATE : XX/XX/2023 BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX, TX 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 monetary relief
Consumer complaint received 2022-08-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

Complaint:
I am not responsible for this debt, nor do I have an agreement with you. In addition, you are not authorized to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
On my XXXX, XXXX, and XXXX credit files, an old account from Capital Bank, NA is reporting incorrectly. I have disputed the account multiple times both with all 3 agencies and Capital Bank, NA. The 3 bureaus all claim that Capital Bank verified the accuracy of the information, yet Capital Bank has not been able to send any documentation to me, and their customer service representatives that I spoke with stated that the account had been purged from the system and they could not access any records, as well as not updating my current address on file despite multiple disputes. The most recent call to Capital Bank was XX/XX/2019. As they are unable to verify the accuracy of the information, yet informed the credit bureaus that they investigated the dispute, as well as being unable to provide documentation to the consumer, they are in violation of the FCRA, section 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
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. (NV)

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX : {$870.00}.

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 non-monetary relief
Consumer complaint received 2020-06-26
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. (NY)

Complaint:
I am disputing identity theft for more than a year now .I sent hundreds letters and this incorrect information is still on my report. 
I dont understand how is that possible!!!!!!!!!!!!!! 
Please see attached documents. One of this document is affidavit from my step son that he used my information without my authorization. 
and its still on all three Credit Bureaus Reports.

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 2019-02-26
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. (MD)

Complaint:
For the following accounts, Someone went into my trash. and opened an account using my information. I never did this, please remove ; XXXX XXXX for {$270.00} XXXX XXXX  for {$180.00} These do not belong to me, have the bureaus take them off please.

Company response to consumer: Closed with explanation