hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-04-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

Complaint:
I WAS AWARDED XXXX DOLLARS FROM AN CAREER ENDING ACCIDENT WITH XXXX  XXXX AND XXXX AND XXXX. 
I PUT THE MONEY IN CITIBANK IN A VARIABLE ANNUITY. 
THAY THE BANK REMOVED XXXX DOLLARS AND IT RUINED MY RETIREMENT ACCT AND MY XXXX PENSION FOR THE LAST 15 YRS IN 2004. 
I HAVE CALLED AND REPORTED IT TO CITI BANK AND WRITEN SEVERAL TIMES TO THEM ALSO TRIED TO CONTACT ATTORNEYS TO NO AVAIL.

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 2021-12-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: J. Ritter Law P.C. (FL)

Complaint:
I have been receiving calls and letters from a J Ritter law firm saying I owe a {$370.00} debt to XXXX XXXX University XXXXXXXX XXXX from 2017. I know nothing of this alleged debt and have received no notice of this from the school or bookstore or anyone else until now. I called the school and they informed me I have no pending balance and I would not have gotten my diploma or been allowed to graduate with an outstanding balance. The law firm was very confusing telling me that nobody was ever required to notify me of this and that they dont even know if the debt is valid but would get back to me. Im not sure if this is some sort of scam or scheme to get money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
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. (NC)

Complaint:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX - partial account numbers XXXX and XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

Complaint:
Capital One Bank has claimed that Account ending in XXXX has been charged off {$2900.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a Ch.XXXX Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
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: EQUIFAX, INC. (VA)

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 for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
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. (PA)

Complaint:
I finally looked into my credit and saw a collections from XXXX XXXX XXXX. Which is fraudulent and erroneous because I've never contracted with that company Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified. 
Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency 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 item from the File in ( 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 reseller.

Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of

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 2022-09-22
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. (GA)

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX ) Account # XXXX, XXXX  Account # XXXX, 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 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 2021-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Complaint:
Transworld Systems has reported a collection account to my consumer credit file in the amount of {$550.00}. I do not owe this alleged debt. If Transworld Systems has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that Transworld is attempting to collect. Transworld has no legal right to attempt to collect a debt. Transworld has not validated this debt nor sent me a notice of collection. Enhanced Recovery is in violation of the FCRA and the FCDPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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. (RI)

Complaint:
I just submitted a complaint for this problem and experian only addressed 2 of my 5 fraudulent account disputes ( after saying they were addressing them ALL ) then closed out the complaint. This is unacceptable. I am going to re list the remaining disputes I need opened. They also completely ignored the fraudulent address on my report. 


Iwas the victim of ID theft a few years back and have managed to get this fixed up with XXXX  and XXXX, however EXPERIAN   refuses to delete the erroneous accounts and addresses on my reports and will not even allow me to dispute anymore! I have sent my IDS, social security card and Address verification to make sure its in accordance with the FCRA. There are now 2 accounts left that are not being disputed that are not even mine listed as negative and 1 address I have never ever lived at. The fraudulent address is listed  as - XXXX XXXX XXXX, XXXX XXXX, ri, XXXX, The 2 remaining fraudulent accounts that disputes were not opened by experian  are are XXXX XXXX credit card, and XXXX  XXXX XXXX Account. I have disputed all of these with the proper documentation and experian  is the only credit bureau not following the FCRA for 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 explanation
Consumer complaint received 2019-12-05
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. (TX)

Complaint:
To whom it may concern : Transunion You are still violating the law by validating the account below without sending the necessary proof that its my account and that you have a right to collect on this account. 
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 
XXXX XXXX Reported balance : {$2000.00} Opened : XX/XX/XXXX XXXX   Reported balance : {$7400.00} Opened : XXXX XXXX, XXXX XXXX XXXX Reported balance : {$11000.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open balance : {$110.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open balance : {$660.00} Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Open balance : {$9100.00} Opened : XX/XX/XXXX I have disputed this charge-off with all three of the credit bureaus, and I was shocked when it came back verified. Please provide me with the records used to verify this charge-off as it is inaccurate like names of the person who you talk to with the company date you talked to the person. Please follow the law ( FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ) and update me with new correction on the above account within 30 days. 
I await your response,

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 2015-06-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Richard Sokoloff, Attorney At Law (NY)

Complaint:
I am in the midst of a very difficult divorce. I was left with XXXX college aged children. My mom had just died and her house was destroyed by a burst pipe last year. During this time, I accrued a medical bill which I felt was unfairly inflated. I put it aside and forgot to address it due to my overwhelming present life situation. A few months ago, I tried to contact the now debt collector after trying to discuss the bill with the doctor 's office first. I am willing to pay the original amount for the medical bill but not the huge debt collection add on. Nobody is willing to comply. The original bill is for {$220.00}. The visit did n't even actually help. The original problem that I went there to be treated for still exists. The agency is asking me for {$310.00}. I refuse to pay extra {$91.00} for the collection fee. I need help with this. I feel helpless and I am trying to do the right thing even though I feel the original bill itself was inflated.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

Complaint:
XXXX XXXX XXXX XXXXunknown XXXX payments were made from my Wells Fargo account. Ive reported that multiple times, the bank just denied because it seems I authorized but if Im reporting and saying that I dont recognize those transactions and the person that received the money I Think I have right and the E regulations protects me. 
I received unknown money and from there XXXX dollars were transferred ( not by me ) and I didnt authorized anyone to do that, reported to police. Thats not possible for me to accept that answer After my claim Im not able to use XXXX because Im blocked

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 2020-01-11
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. (CA)

Complaint:
Hello, there are accounts with XXXX XXXX that are not mine, these accounts are fraudulent and are not in my name. I have contacted XXXX and they confirmed that these accounts are fraudulent and I am not liable for these accounts. 

This is a formal dispute on these accounts since they are the result of fraud. Please cease and desist all reporting of these accounts as they are fraudulent. 

I have never had a credit card with chase and therefore any account with chase has to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-31
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. (TX)

Complaint:
data breach caused the FTC violation fcra not know to me to the best of my knowledge XXXX XXXX XXXX XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
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. (CA)

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT HAS NEVER BEEN LATE, PLEASE CORRECT TO SHOW PAID AS AGREED, NEVER LATE : XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Complaint:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved.

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 2018-12-26
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: EQUIFAX, INC. (FL)

Complaint:
In XXXX of 2018, I submitted a dispute towards unverifiable items on my credit report, asking for proof of Original documentation of the transactions in question. I received neither proof or response in regards to any progress of reconciling and removing the improperly reported accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (IL)

Complaint:
I 've had the Fidelity rewards XXXX card for several months. The card was supposed to come with an introductory bonus promotion of, I believe, {$100.00}. I have not received this bonus. In addition, I have referred 2 family members for the card and have not received the referral credit bonus either.

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 2022-04-20
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
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. (TX)

Complaint:
XXXX XXXX XXXX Equifax and XXXX are not updating this balance correctly on my credit card. I would like for this cc to be updated with a XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (GA)

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Complaint:
On XX/XX/22 someone applied for an XXXX XXXX  card and balance transfers through Bank of America with my information. I dont bank with Bank of America and did not apply for this credit card. I was notified by XXXX of a new hard I quiet so I logged in and discovered this. I have reported it to XXXX and to Bank of America and want to be able to have the hard inquiry removed from my credit report as I am currently working hard to repair my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CO)

Complaint:
On XXXX/XXXX/2018 - I answered a call from Transworld Systems. The individual refused to talk to me unless I provided him with my personal contact information. I advised him GLB, FDCPA, and TCPA ( as they had been contacting my cell phone regularly ). I asked for Verification of Debt. They  refused to provide this as I would not verbally give them my personal information. I told them they could provide me what they have and I would confirm but as I do not know who they are nor does their company sound like a financial company in charge of debts I was not willing to provide anything organically without verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief