vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
TD Bank XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX RE : XXXX XXXX Account Ending : XXXX In XX/XX/XXXX, I purchased a XXXX  item, which included a promotional 12 month XXXX subscription and financed that item with XXXX XXXX through TD Bank XXXX The item was purchased using a twelve month no interest promotion through TD Bank. I made consistent timely payments on the item throughout the twelve month agreed upon time frame. The bill that I received in XX/XX/XXXX showed a total balance of {$150.00} due on XX/XX/XXXX. I made that {$150.00} final payment to you on XX/XX/XXXX which should have completed any financial obligation to TD Bank for XXXX XXXX After I made that final payment, I received a bill from you, TD Bank, with a new balance of {$430.00} due on XX/XX/XXXX. I immediately contacted TD Bank to correct the erroneous charge. A case ( Case # XXXX ) was opened by TD Bank XXXX On XX/XX/XXXX, I received notice from TD Bank that research was being conducted concerning my issue. I also contacted XXXX on XX/XX/XXXX, and spoke to XXXX, to notify XXXX that I did not wish to renew the XXXX subscription. On XX/XX/XXXX, I followed up with XXXX and was assured that the charge would be removed. 

On XX/XX/XXXX, I received notice that you found insufficient evidence to support my claim. Per your findings, you say the merchant provided signed sales receipt and/or delivery confirmation. You also found that payments were made on the account from XX/XX/XXXX to XX/XX/XXXX. Please note that I agree with the statements that you made and that this was not my dispute. I did receive the merchandise that I ordered and made payments for the agreed upon amount. My issue, again, is that I DID NOT AGREE to renew a subscription with XXXX  and TD Bank. Furthermore, I immediately took actions to have the unauthorized renewal charges removed. XXXX and TD Bank both disregarded my request as the customer, prolonged my suffering and has continued to bill me for an unauthorized renewal. 

I received a XX/XX/XXXX statement from XXXX XXXX with the {$430.00} charge still on the bill, although it was noted on the bill that the amount was disputed. On XX/XX/XXXX, I again followed up with XXXX in effort to have the unauthorized subscription renewal removed. I spoke with XXXX, who now says that he can not remove the charge. 

Once again, I am requesting that the unauthorized renewal amount of {$430.00} be removed and you cease and desist any contact with me regarding these unauthorized charges. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX ) 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 an 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 explanation
Consumer complaint received 2022-06-07 00:00:00
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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello I contacted the Main company that allowed someone to apply for credit which cause XXXX XXXX XXXX XXXX CA to run my credit with over 20 different companies on XX/XX/XXXX. I spoke with the General Manager of XXXX XXXX XXXX XXXX CA dealership XXXX XXXX, and he did apologize and admits this was done in error, however these inquires remain on my report. I contacted each creditor and they were rude and not willing to take action in removing these inquires on my credit report that were all done on same day XX/XX/XXXX. In the result this has caused my credit score to drop and preventing me from having excellent credit. Below is a list of the companies that I have inquiries. 
XXXX XXXX Capital One Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
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.
State: VA

Complaint narrative:
ln accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, 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 fumish a account without my written nstructions

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 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
ln accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX 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 fumish a account without my written nstructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I had a settlement accepted by my mortgage company in XXXX and have gone through bankruptcy filed in XXXX completed XXXX XXXX Payments in XXXX. I have refinanced my same property in XXXX. I have had letters stating that the original HELOC loan has been closed as of XX/XX/XXXX. 
And yet, I received a letter XX/XX/XXXX from Specialized Loan servicing stating that I am delinquent on my same property. I called and was told by phone that SLS has placed a lien on my same property. I have not received any communication about this until the letter dated XX/XX/XXXX. I should not have a lien placed on my property per my records.

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 2022-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANNER CORPORATION
State: CA

Complaint narrative:
XXXX XXXX rental did 2 unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I was first called in the name of XXXX  state police department and then from customs and boarder protection from the same contact numbers that were on the XXXX and said that there are illegal transactions and drugs smuggling on my name and made me transfer to an account saying that the account is from the government and the money will be returned after a new ssn and passport number is given to me. Even though i realised that it id a scam. I still have them on calls pretending that i still believe them. 
Please contact me as soon as possible before i loose contact from the fraudsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I just reviewed a copy of my credit report and this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights XXXX 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter off on XX/XX/2022, to remove my personal information that I don't want on my credit profile. According to the Fair Credit Reporting Act 12 USC 1681, states I have the right to privacy. Also according to 15 USC 6802, NO Financial institution have any right to share mu information to a third party. Based on these inaccurate and personal information that has been furnished on my credit profile is a direct violation of my federally protected Consumer Credit Act. 

There is no third party involved in this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
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.
State: FL

Complaint narrative:
I sent a letter off on XX/XX/2022, to remove my personal information that I don't want on my credit profile. According to the Fair Credit Reporting Act 12 USC 1681, states I have the right to privacy. Also according to 15 USC 6802, NO Financial institution have any right to share mu information to a third party. Based on these inaccurate and personal information that has been furnished on my credit profile is a direct violation of my federally protected Consumer Credit Act. 

There is no third party involved in this situation

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 2022-06-07 00:00:00
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.
State: TX

Complaint narrative:
XXXX XXXX  is reporting several accounts inaccurately on my credit report. The accounts are XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  and XXXX. 

I have reached out to XXXX XXXX  directly and to Experian, XXXX, and XXXX and each of them has verified the accounts are reporting correctly. However, each bureau is reporting the accounts differently. This is a violation that they have repeated, over 6 months consecutively. 

I have attached my 3-in-1 credit report to show that the date of first delinquency and date last active are different on every report, which has a direct impact on when these accounts fall off. There are also multiple areas in other areas.

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 2022-06-07 00:00:00
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.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-06-07 00:00:00
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.
State: NC

Complaint narrative:
The account listed below I didn't not authorize if you could please research.15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish accounts without my written instructions 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 XXXX XXXX The inquiry was not authorized 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
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.
State: NC

Complaint narrative:
The account listed below I didn't not authorize if you could please research.15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish accounts without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The inquiry was not authorized XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 00:00:00
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.
State: LA

Complaint narrative:
Violation Of Fair Credit Reporting Acts 15 U.S.C. 1681 Section 602A Stating That I Have A right to privacy and 15 U.S.C. 1681 Section 604A Section 2 stating that a consumer reporting agency can not furnish an account without my written instructions. Experian, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/202XXXX 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 explanation
Consumer complaint received 2022-06-07 00:00:00
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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 00:00:00
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.
State: TX

Complaint narrative:
XXXX XXXX  is reporting several accounts inaccurately on my credit report. The accounts are XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have reached out to XXXX XXXX  directly and to XXXX, XXXX, and TransUnion and each of them has verified the accounts are reporting correctly. However, each bureau is reporting the accounts differently. This is a violation that they have repeated, over 6 months consecutively. 

I have attached my 3-in-1 credit report to show that the date of first delinquency and date last active are different on every report, which has a direct impact on when these accounts fall off. There are also multiple areas in other areas.

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 2022-06-07 00:00:00
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.
State: TX

Complaint narrative:
XXXX XXXX  is reporting several accounts inaccurately on my credit report. The accounts are XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have reached out to XXXX XXXX  directly and to XXXX, Equifax, and XXXX and each of them has verified the accounts are reporting correctly. However, each bureau is reporting the accounts differently. This is a violation that they have repeated, over 6 months consecutively. 

I have attached my 3-in-1 credit report to show that the date of first delinquency and date last active are different on every report, which has a direct impact on when these accounts fall off. There are also multiple areas in other areas.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland credit management is reporting this account with a {$920.00} balance and it has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation