hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2017-11-24
Product: Checking or savings account 
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD

Complaint:
i have been unable to open checking and savings accounts because bank of america in misouri reportedly has some accounts for me that they have listed as fraud. i have never had any account with bank of america and need this removed from my credit. i have been a victim of identity theft and have had several things removed from my credit account, including cell phones and service, bank cards, credit cards, and also shopping accounts. i have never had an account or authorized an account with bank of america ever please update your records i have tried to call several times and only get transfered from department to department becaue i dont know the account numbers because i never opened them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint:
I NOTICE THAT INACCURATE PHONE NUMBERS AND EMPLOYMENT IS BEING REPORTING ON MY CONSUMER CREDITS REPORTS. 
ACCORDING TO THE FCRA ( fair credit reporting act ), LEGALLY THESE UNVERIFIED IN AN AUTHORIZED ITEMS MUST BE REMOCVED THESE PHONE NUMBERS THAT ARE BEING REPORTED DOESNT BELONGS TO ME. 

I AM NOT A MANGER THAT IS BEING FASLY REPORTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Product: Debt collection 
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint:
XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: Source Receivables Management LLC
State: NC

Complaint:
Source Receivables management has been reporting an account that does not belong to me. I have asked several times for valid documentation that this account belongs to me. I have only had phone service through my business with XXXX XXXX XXXX  and now currently XXXX. This account was not opened by me and does not belong to me. The documentation the debt collector is using to collect on the debt is only a statement and an equipment agreement with my name or someone with a similar name typed onto it. There is no hard copy ID, copy of social or even a signature that shows this account was legally opened by the person to whom identity was used. I have filed a fraud report on this information attached. FTC report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: Sequium Asset Solutions, LLC
State: OH

Complaint:
Sequim credit collection still on my report yet is showing a balance. I attached the paid in full statement from my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Product: Checking or savings account 
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint:
On    XXXX  , I paid m y car payment bill through bank of America. They decided to process the payment twice. The payment was o n XX/XX/XXXX  a nd was for  XXXX  and then processed again on   X/X/2017     for  XXXX .  <P/><P/><P/> My wife and I are in the process of closing this account and are lowering the balance and monitoring it while she changes her direct deposit. O n   XXXX  ,  my wife and I verified this balance with each other before writing a check for cash at another institution. I have attached a screen shot used for this conversation we had by text verifyi ng one debit an d the remaining balance in the account. With this additional debit and another debit process the account will now be in a negative balance. In  XX/XX/XXXX  Bank of America made  a Bill paym ent for this car payment to the wrong account. Our credit card is through  XXXX  and car loan is through  XXXX  in  XX/XX/XXXX  they sent this to the wrong account though I put it in accurately on their   Bill Pay.
<P/>
At this point it is possible for my wife to be criminally charged with theft by check in Oklahoma.
<P/>
Bank of America may be retaliating for a series of complaints detailing their harassment of us for filing complaints.

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 2023-09-15
Product: Credit reporting or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint:
Request for Closure of Child Support Case and Removal from Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX, TX for serious violations of my consumer privacy protection rights. Specifically, they have added a child support case to my credit report without my knowledge, consent, or permission. 

Under 15 U.S. Code 1682e ( b ) and 15 U.S. Code 1681i ( 5 ), it is evident that the reporting of this account is in violation, as it inaccurately lists the XXXX XXXX court as the furnisher. This misleading information is a form of forgery and is detrimental to my creditworthiness. Moreover, it is a clear violation of permissible purposes as outlined in 15 U.S. Code 1681b. Without my direct written consent, reporting such information is against the law.

The child support case in question was created by the custodial parent, also without my consent, permission, or knowledge. This further compounds the infringement on my rights.

In accordance with the 2007 Miller v. Trans Union, LLC ruling, child support cases are not meant to be reported on credit reports. This is a matter of public record and should not be included in my credit history. It is essential to note that this information has not been derived from a credit transaction, and its presence on my credit report is both unwarranted and detrimental. 

I kindly request the immediate closure of this child support case and the subsequent removal of any associated information from all three credit bureaus. I trust that this matter will be resolved expeditiously, and I request written confirmation once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint:
This complaint is to follow up on my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway to taking lawful action and litigating XXXX for their headstrong nonfulfillment of the FCRA XXXX. Under Section XXXX, restrictions on investigative consumer reports [ XXXX U.S.C. XXXX ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) XXXX be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the accounts corrected PRONTO : 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 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: DISCOVER BANK
State: SC

Complaint:
On XX/XX/2020 I attempted to use my Discover card and it declined. I assumed this was because I was in a different city shopping for my daugher 's birthday about an hour from home. What really was going on is that someone hacked my Discover account online, changed my address and contact information, and requested a new card be delivered to associated address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

This is not my address and I do not have any affiliates with anyone in OH. My credit report reflects on XX/XX/2020 this address as an associated address and I would like it removed. I would also like any inquiries or charges around this time removed as well as it does not belong to me. I did report this issue to Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint:
TransUnion is in violation and I am pursuing monetary compensation per violation. 
( Please see attachment )

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 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint:
This is supplement to my original complaint. The loans in question were rehabilitated which means that all records of default should have been removed from my report. They are breaking federal law but leaving the record of default on my account. They literally put each loan in twice in order to keep the record of default in. This is in reference to complaint 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 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: TX

Complaint:
XXXX XXXX banks claims I have not made any form a payment towards my credit card but I have, XX/XX/XXXX XXXX XXXX file a missing payment on my account dropping both credit bureaus from 69 points. This is falsely incorrect I need help settling this dispute. I already filed a dispute with one credit bureau, I will starting paying more if I have to to get this issue resolved. This can not stay on my record

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint:
On XX/XX/2018, one month ago I reached out to the credit bureaus in regards to fraudulent items which appear on my credit file. Ive made several attempts to have the items blocked to pursuant to section 605b of the FCRA all to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
PLEASE HELP ME WITH SOMTHING, IVE BEEN A VICTEM OF IDENITY THEFT.. SOME USED MY CREDIT AN GOT MEDICAL TREATMENT IN MY NAME. I ALSO HAVE AN ACCOUNT THAT WAS REMOVED DUE TO FRAUD AND IT HAS REAPAERED ON MY REPORT. THE PROMBLEM IS THE COLLECTION AGANCY DID NOT SEND ANYTHING IN WRITING SAYING THESE ACCOUNTS WERE BEING ADDED BACK TO MY REPORT.. THE FOLLOWING COMPANIES PLACED ACCOUNTS ON MY CREDIT REPORT WITH OUT PROPER NOTICE.. THIS IS A VIOLATION OF FCRA.

1. XXXX XXXX XXXX, {$1000.00} ACCOUNT NUMBER XXXX I'VE NEVER DONE BUSINESS WITH THIS COMPANY OR ENTERED INTO A WRITTEN CONTRACT WITH THIS COMPANY. THIS COMPANY PUT THIS ITEM BACK ON MY REPORT WITH OUT 5 DAY WRITTEN NOTICED..

2. XXXX XXXX XXXX, {$380.00} ACCOUNT NUMBER XXXX I'VE NEVER DONE BUSINESS WITH THIS COMPANY OR ENTERED INTO A WRITTEN CONTRACT WITH THIS COMPANY. THIS COMPANY PUT THIS ITEM BACK ON MY REPORT WITH OUT 5 DAY WRITTEN NOTICED..

THE FOLLOWING ACCOUNTS BELOW, ARE FRAUDULENT, IVE NEVER DONE BUSINESS WITH THE FOLLOWING COMPAINES, IVE NEVER ENTERED INTO A WRITTEN CONTRACT WITH THE FOLLOWING COMPANIES. 

1.PHOENIX XXXX {$1900.00} 2..XXXX FINANCIAL {$1300.00}

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 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint:
I have sent XXXX  and Trans-union everything that they ask me to send them to show that I was a victim of identity theft

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 2018-05-23
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint:
I have called 3 separate times to set up Income Based Repayment plans. each time I'm told they will send the required paperwork and then it never comes. After 3 unsuccessful attempts to receive the info I finally did get paperwork. I filled out required forms submitted them and received confermation that I qualify for the {$0.00} a month repayment plan and that any money I pay a month will be applied to the principal. within a week of receiving this info the company proceeded to send me a bill for the old payment of {$120.00} per month. I made a few months payments thinking that the money would be applied to the principal when I saw that is was not I stopped making the payment. they are now threatening to send me to a collection agency and bang my credit score. I should not have to call for a 4th time and spend 40 min waiting on the line only to get a rep who will lie to me yet again saying things will be taken care of. There is a class action lawsuit against this company for doing the same thing to numerous clients. I was willing to make payments of {$50.00} a month and was told that I have to pay the full amount they request unless I qualified for the income based repayment. so I did and I qualified and I'm still getting these bills and threatening letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Product: Debt collection 
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: AR Resources, Inc. (FL)
State: FL

Complaint:
My credit score dropped 35 points due to a company that I have never even heard of or received a letter from. If it was from a hospital bill from a XXXX I had at the XXXX XXXX XXXX XXXX who is supposed to be responsible for the bill.So if money is somehow owed, they're supposed to pay it. Other then that, acct # XXXX was taken care of way back in XXXX this year by " XXXX '', the bill lady at the XXXX XXXX, which is why I never received another bill since then. AR Resources comes out of nowhere around XX/XX/XXXX saying that I owe them money??? I am not overdue on anything anywhere. And they made my credit drop 35 points so I'm kinda hot in the head right about now.I would gladly send that XXXX XXXX to the hospital and be their collection agency " from outer space '' the way they did! And who are they. Where are they from. There is no proof that they tried to collect a debt from me which is entirely impossible because I have the " what's coming in the mail today '' by USPS. I feel like I've been robbed in a way and that they are doing something illegal! No bills at all sent from them-which is impossible. The hospital said that the situation was taken care of when I called to ask what is going on. I have a " XXXX XXXX '' because of my financial circumstances meaning basically homeless and I never received a bill! My XXXX score dropped big time! All because of some XXXX XXXX company climbing out from under a rock somewhere out in the middle of the desert under a mound of wild buffalo XXXX! And they can XXXX XXXX XXXX where the XXXX comes out because the hospital said that they took care of it!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation