hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-03-19
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. (NJ)

Complaint:
On XX/XX/2021 I wrote a dispute letter to Equifax regarding 4 accounts that is reporting on my credit profile that are inaccurate. 
1. XXXX XXXXXXXX XXXX which is reporting a debt of {$0.00}. 
2. XXXX which is reporting a debt in the amount of {$0.00}. 
3. XXXX XXXX XXXX XXXXXXXX XXXX which is reporting a debt of {$2500.00} 4.XXXX In the amount of {$0.00} I also wrote another letter on XX/XX/XXXX regarding the same problem still no response.Equifax has failed to provide me with verifiable proof that I ask for in my dispute letters. 
Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Complaint:
I have a 30 day late payment on XX/XX/2017 on my credit report. XXXX XXXX XXXX ACCOUNT # XXXX.The information is incorrect .I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXXL XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

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 2020-04-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (MA)

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
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. (PA)

Complaint:
I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Equifax was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Complaint:
The bureaus are reporting inaccurate, unverified accounts on my credit report. This is impacting my ability to better my life. I need these things corrected on my credit report as possible as 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 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Early Warning Services, LLC (NY)

Complaint:
Ordered a free report on XX/XX/XXXX, it's now been over a month, I called and they claimed it was on its way but it had been well over 15 days and no repirt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
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: JPMORGAN CHASE & CO. (OK)

Complaint:
My firm ceased operations on XX/XX/XXXX and we closed our Chase card on XX/XX/XXXX by letter. This card was paid off on XXXX XXXX In XXXX of XXXX we received correspondence from a debt collection company demanding payment of {$480.00} for charges made on our Chase card account. Prior to this letter I had received no statements from Chase since XX/XX/XXXX. We had closed our Post Office Box on XX/XX/XXXX and filed a change of address with the USPS. 

I contacted Chase and received copies of any statements after XX/XX/XXXX. On the statements I discovered that on XX/XX/XXXX a charge of {$450.00} was made to XXXX XXXX XXXX. This is the service we used for our accounting prior to ceasing operations. Additionally, there were late fees and interest charges of {$240.00} between XX/XX/XXXX and XX/XX/XXXX. In addition I found a credit from XXXX in the amount of {$260.00} on XX/XX/XXXX. 

I contacted Chase again and explained to them that 1 ) Our account should have been closed per our letter of XXXX XXXX and 2 ) We did not authorize XXXX to make their charge, in fact we had no use for their services due our ceasing of operations. 

Apparently Chase claims never to have received our letter closing our account and that they would look into it and make a determination. 

Yesterday, I received a letter dated XX/XX/XXXX from chase informing me that the balance they show is correct and that I should make a prompt payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
I have tried to pull both my credit report and credit file and was given the message from XXXX, Transunion and XXXX that using my social security number, that I would not be able to retrieve my consumer report and file.

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 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings (CA)

Complaint:
I have unauthorized hard inquiries that are hurting my personal credit. They are incorrect and I am unfairly being punished for them.The inquiries are from the following : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Curo Management LLC, 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 2022-01-17
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. (FL)

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
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: EQUIFAX, INC. (NY)

Complaint:
I have an old account ( XXXX XXXX XXXX ), from 2012, that is still on my credit report. I disputed it with XXXX, and it wasn't removed. All XXXX keeps doing is saying that the updated the information. I disputed the information with ( XXXX XXXX XXXX ) directly and it was removed from XXXX. on my credit age, it shows 1year. Why is XXXX still showing that old account. This account should not be on my credit report. 

File number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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. (NV)

Complaint:
In accordance with the rules of the Fair Credit Reporting Act, I am filing this complaint to request that the listed account, which I believe is erroneous and incomplete, be investigated and updated on my credit file as soon as possible. 
XXXX XXXX XXXX : {$330.00}.

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 2022-05-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Complaint:
On XX/XX/XXXX I purchased gas for {$37.00}. The XXXX showed on my credit card but 14 other purchases amounting to {$1300.00} showed on my Bank of America credit card as well from the merchant. I disputed charges with the Bank of America fraud department on XX/XX/XXXX. But, Bank of America put all the charges back on XX/XX/XXXX stating that the card was used for all the transactions. Unsure why Bank of America didn't accept the dispute given it doesn't make sense that an individual will conduct 15 different gas transactions at the same time. I have contacted the Bank numerous times accumulating hours on hold and the charges have not been resolved to date ( XX/XX/XXXX ). The few times I was able to get an actual person in the fraud department, the fraud department person tells me it's a billing issue and thus I was transferred back to the main number again sitting and waiting on hold to speak with someone in the billing department. XXXX calls and have spoken with several different individuals including managers and to date only 3 of the charges have been resolved by using their online tool which I initially used in the beginning but the tool is limited to disputing 3 issues and I have 15. When I tried to add additionally to be disputed by their online tool, I got a message stating that I need to call the bank to do more. We are now in XXXX and the charges have not been removed. My last call to the bank 's billing department was on the XXXX of XXXX. I spoke with someone. We went through each charge one-by-one and I was told they will be removed. Unfortunately, there were not and now I have received a letter requesting additional information in order for charges to be removed. This is a never ending loop and I am exhausted dealing with Bank of America.

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 2017-08-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CIT BANK, NATIONAL ASSOCIATION (FL)

Complaint:
I tried to open a high yield savings account with CIT Bank. on XX/XX/XXXX I received an email from them saying the following : Thank you for your recent application for a CIT Bank account. Unfortunately, after further review, CIT is exercising our right to decline your application for an account with our institution due to potentially high risk or undesirable activity. If you have any questions regarding this decision, please contact the CIT Bank Application Referrals Department at ( XXXX ) XXXX, Monday through Friday, XXXX to XXXX EST. I called the number above on XX/XX/XXXX to find out more about what they meant by, " potentially high risk or undesirable activity ''. The first guy I spoke to said that they could not verify who I was and that is why the account was rejected. I asked him with whom they tried to verify the information with so that I could contact them and correct any mistakes. His response was, " that is proprietary information that he could not tell me. '' I then asked to speak to his supervisor. The supervisor came on the phone and said they could only discuss what was in the email. I pointed out to him that the email stated, " If you have any questions regarding this decision, please contact the CIT Bank Application Referrals Department, '' and that I wanted to know more about how the decision was reached. He had the same reply that it was proprietary information. I asked him who I could escalate to next and he said there was no one else above him. I would like to know why they are not able to verify me. I have multiple credit cards, a mortgage, and savings and checking accounts with XXXX XXXX XXXX. I have also previously had student and car loans. I find it hard to believe that they are not able to confirm my identity and their reluctance to explain how they could not verify me is very troublesome.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
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: EQUIFAX, INC. (FL)

Complaint:
Please provide me with the name and address of the original creditor. Pursuant, the XXXX XXXX XXXX XXXX Act Section 809, cease and desist the reporting of this item until you do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
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. (IL)

Complaint:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
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. (GA)

Complaint:
Hello, I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize compliance in this investigation. I have also mailed all respective CRAs with my notarized identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Dept. of Ed/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (NY)

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-12-02
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. (NY)

Complaint:
I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

Complaint:
On XX/XX/2020, I was notified of a collection entered on my credit report in the amount of {$490.00}. 

I did not recognize the charge. I have been a victim of identity theft in the past. 

I disputed the charge and the dispute is in progress. 

Today, I was notified that the collection was put back on my credit report. The collection agency did not respect that the dispute is in progress.

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 2022-04-14
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. (FL)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Complaint:
A check i/a/o {$2200.00} has been debited to and cleared the payor 's account at Bank of America ( 8 weeks ago ) and still has not been credited to the payee 's ( my ) account also at Bank of America. All at various service departments at Bank of America agree that this was a bank check processing error ( see case # XXXX ). ( see also compliant # XXXX. ) However, no one at the bank seems to has the authority to correct this bank error. 

It is my understanding that a bank generally has ten business days to investigate an issue. The bank or credit union must correct an error within one business day after determining that an error has occurred. The bank then has three business days to report its findings to you.

If the bank or cant complete its investigation within ten business days, it must generally issue a temporary credit to your account for the amount of the disputed transaction, minus a maximum of {$50.00}, while it continues to investigate. 

The bank must then resolve the issue in 45 days. 

These time frames has long past and the credit has still not been made..

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 2020-01-07
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: AMERICAN EXPRESS COMPANY (VA)

Complaint:
I previously filed a written complaint with the Consumer Financial Protection Bureau against American Express. Please refer to Consumer Financial Protection Bureau complaint number XXXX. 

This is an ADDITIONAL complaint against American Express regarding fraudulent late fees, interest and other fees. I received a demand for {$690.00} from a credit collection agency AfTER my American Express credit card was CLOSED and MY BILL WAS PAID IN FULL so I do not owe American Express any additional financial payment. 

The NAME and CONTACT for the American Express Credit collection agency is : XXXX XXXX XXXX XXXX Account Representative XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX has a SECOND address : XXXX XXXX  Account Representative XXXX XXXX XXXX XXXX Texas

Company response to consumer: Closed with non-monetary relief