vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
In accordance with the fair credit reporting act, TD BANK USA/TARGETCREDIT # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

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

16 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
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.
State: TX

Complaint narrative:
On ( XX/XX/2021 XXXX XXXX XXXX Account # XXXX ) add a derogatory mark on my credit report per XXXX XXXX upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX  Account # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received an e-mail from XXXX, XXXX. They had charged my credit card for 1 yr. renewal ( XXXX ), which I did not approve. I used their service to fix my computers during the pandemic when it was impossible to get a technician to come to my home They wanted to use a wire transfer I agreed. They said that they would send {$140.00} that day and the balance the next day which was so suspicious I filled out the form from XXXX XXXX XXXX, which had their parent company name and bank information. As I typed one number, they called instantly & said they had made a huge typographical error. There were an additional 2 zeros which made the transaction to be {$140000.00} instead of {$140.00} I checked my business bank account online. There was {$140000.00} which did not belong to me. I did not check any other account. 
They wanted me to wire money in 2 transactions. On XX/XX/XXXX. they would pay the {$50.00} wire fee. I told XXXX XXXX the banks were closed. On XX/XX/XXXX Friday, I went to the bank and wired {$90000.00}. with their bank info. XXXX called and said It was being monitored by XXXX XXXX. They wanted offline to fix the errors they created. Sunday morning, I went to my computer and ALL OF TH MONEY WAS MISSING FROM ANOTHER ACCOUNT {$140.00} which I am a cosigner with my older brother. The balance of the money that they stole from me was never returned. {$90.00}. XXXX  XXXX told me on Sunday morning that they would release the {$90000.00} and send it back to me as soon as I sent back the of {$49000.00}, to them. The branch manager at CHASE told me the {$140000.00} WAS NEVER deposited into my joint checking account. XXXX XXXX created Screen Shots for all transactions so I would believe the money that was theirs and had to be returned ( {$900000.00} ) They wanted me to wire to their XXXX XXXX checking accounts. The XXXX XXXX remains in my account TOTAL was stolen XXXX ( This was my brothers life savings which I must replace. They left {$49000.00} No one at the bank questioned me at all. I was surprised because I had never made a bank transfer before in all the 10+ years I have banked with CHASE I called CHASE BANK FRAUD the next morning. The first young woman ; she had no idea what to do or who to call. The Second woman XXXX. Listened to me. She submitted a report to send to your Compliance or Fraud department. She told me she had no power to take any action but to pass on my report. Report # XXXX It is 4 weeks and I have not heard from anyone. My banker at CHASE told me the claim was rejected because I started the transfer. 
I NEVER GAVE ANYONE MY PASSWORDS AND WIRE TRANSFERS ARE DONE AUTOMATICALLY. HOW DID THEY GET INTO MY BROTHERS ACCOUNT AND STEAL XXXX I HAVE XXXX XXXX BANK ACCOUNTS, ,ADDRESS, E-MAILS AND TELEPHONE NUMBERS, CHASE WAS NOT INTERESTED IN ANY OF THIS INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: AL

Complaint narrative:
Accordance with the Fair Credit Reporting Act XXXX  Account : 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 instructions. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX Hard inquiry XXXX XXXX XXXX XXXX XXXX inquiry XXXX/Hard inquiry XXXX XXXX XXXXHard inquiry 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 explanation
Consumer complaint received 2022-09-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX ACCOUNT NUMBER XXXX IS REPORTING A LATE PAYMENT ON MY ACCOUNT. THIS IS INNACURATE INFORMATION AND IS BEING REPORTED TO THE CREDIT BUREAUS. PLEASE REMOVE FROM REPORT ASAP.

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 2022-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX, I was hacked by a XXXX XXXX with loud ringing on my computer. 
I was told to phone a certain phone number to help me. 

They had me transfer {$990.00} from XXXX to a XXXX XXXX to see if it was working from Bank of America. My daughter told me about the scams going on with XXXX and the next day, I contacted XXXX to cancel it. They told me to contact B of A. 
B of A said I should contact XXXX. 
Placed a claim with B of A & was refused, suggesting I contact the scammer to get my money back. 
I have been a B of A customer for XXXX  years

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 2022-09-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: WY

Complaint narrative:
On XX/XX/2022, US Bank sent a letter indicating that I had unpaid XXXX  charges on my vehicle and the bank had received a letter from the XXXX XXXX XXXX in Colorado indicating the amount of the tolls and multiple fines/ citations as a result of the tolls not being paid on time. The tolls were for travel on XXXX where tolling is by camera or toll box only ( i.e., there is no way to pay while passing through the tolls ). Because the vehicle is leased, it is registered to US Bank. When the tolling company sends a bill, the bill goes to US Bank. Over several months, US Bank did not pass these bills along to me or add them to my monthly bill. After several months, the tolls accumulated and so did citations for lack of payment. In the XX/XX/2022, letter US Bank stated that if I did not pay the tolls, US Bank would pay them, pass the charges on to me, AND add another fine. I spoke to US Bank customer service in XXXX / XX/XX/2022 and spent well over an hour with an agent who was kind but completely unhelpful. My understanding is that she was filing an internal complaint on my behalf with US Bank. Several months have passed now, and I have received no response from the bank. To ensure further fines did not accumulate, I called XXXX and requested that the citations be waived. XXXX could not waive all the citations but reduced the total to ~ {$100.00}. A few dollars in tolls turned into a large expense for me because US Bank did not properly pass along bills it received for my vehicle. US Bank also does not have an effective complaints process. These practices amount to unfair consumer practices that I believe are a violation of UDAAP. I lost money because US Bank does not have internal processes to properly manage leases. While the payment of tolls is my responsibility, I can not pay tolls on a toll-by-camera road if the bills are never sent to me. Further, US Bank 's employees are inadequately trained and its complaint procedures appear to be a complete sham.

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 2022-09-25 00:00:00
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.
State: TX

Complaint narrative:
On ( XX/XX/2021 XXXX XXXX XXXX Account # XXXX ) add a derogatory mark on my credit report per XXXX XXXX. upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX Account # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account 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 2022-09-25 00:00:00
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.
State: TX

Complaint narrative:
On ( XX/XX/2021 XXXX XXXX XXXX  Account # XXXX ) add a derogatory mark on my credit report per XXXX XXXX. upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX  Account # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account 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 2022-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
This is in response to complaint XXXX To Whom It May Concern, You stated in your response that for the following accounts you hold a Business Associate Agreement with XXXX Florida XXXX XXXX XXXX One question. What does that have to do with me and my PHI? I know everything there is to know about HIPAA and the ONLY reason that ANY of my PHI should be given is with MY CONSENT or if another physician has something to do with my case not in collection of an alleged debt! According to the CDC The HIPAA privacy rule contains standards for individuals rights to understand and control how their health information is used. Regardless of the business that you have with XXXX Florida XXXX, you are not considered a covered entity. You and I also do not have a contract binding my wet ink signature and yours. Until you can provide to me the document that I provided North Florida XXXX my request to release my PHI and health information to you Choice Recovery, I demand you stop trying to collect on the account. Under HIPAA I reserve the right to protect the privacy of my personal and health information from all third party reporting agencies. Please provide the above requested documents. This notice is request for VALIDATION not VERIFICATION and I request FULL DOCUMENTATION containing all information that you received from XXXX Florida XXXX  of this alleged debt. 
Continuing to report this Medical debt without properly validating, having permission to my PHI and medical information, and without providing me proof of permission is a violation of the FCRA ( Fair Credit Reporting Act ). 
I expect a response within 15 days from the date of receiving this notice to respond or this alleged will need to be removed immediately. 

XXXX : XXXX ' Done in good faith. WIthout prejudice. All inalienable rights reserved. 

Account in question -- -Choice Recovery Inc XXXX {$120.00} XXXX XX/XX/1990

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1861 and they violated my rights numerous times. I demand the accounts listed below be removed because, according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts below : XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: AL

Complaint narrative:
Accordance with the Fair Credit Reporting Act XXXX  Account : 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 instructions. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX Hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Hard inquiry XXXXXXXX XXXX XXXXHard inquiry 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 2022-09-25 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: AL

Complaint narrative:
Accordance with the Fair Credit Reporting Act XXXX Account : 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 instructions. 

XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXHard inquiry XXXX XXXX XXXXHard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
EXPERIAN is reporting inaccurate information on XXXX. The account has been re-aged or the information is inaccurate of date of delinquency. The account deletion is stated for next month for XXXX on XXXX. Experian has the record being reported until XX/XX/2028. The record is inaccurate therefore this is a FCRA violation therefore immediate removal is requested.

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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/2022 i opened a credit account. Both my XXXX and XXXX are reporting a collection as an " open account '' which is not an open account and is under FCRA compliance. This is inaccurate reporting and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On or around XX/XX/22 I received a notification from XXXX notifying me of a change in my report. I had multiple hard inquiries I didnt make. XXXX removed the inquiries. Trans Union hasnt removed anything. XXXX is still investigating.

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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I contacted the credit bureaus to have addresses that arent mine removed Experian said it would be off in 3 days they never removed the address and its so hard contacting them I just didnt even try to call again after 15 failed calls due to the idiotic robot and for XXXX I always have issues with them its just no reasoning with XXXX Im not asking for anything to be removed but a address Im not even associated with I have accounts on my credit report attached to the 1 address that should be on every bureau XXXX XXXX XXXX XXXX Ohio XXXX is my ONLY address please CFPB make these people fix this they want folks to jump through 5000 hoops just to do stuff thats very simple making empty promises wasting time and hours on the phone. I just want the XXXX XXXX XXXX address removed from both bureaus. I also have another issue with XXXX of course like always they havent even reported my XXXX XXXX XXXX  payment report reports to both XXXX and XXXX and XXXX of course like always is being very stubborn for no reason. XXXX has done everything I asked perfectly fine. Its the other 2 Im having issues with.

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 2022-09-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XXXX XXXX XXXX I made a complaint that I was charged twice for an online purchase. The first charge was cancelled by phone to the store ( XXXX 's ) the order was made. The amount in question ( XXXX ) was never to this day removed. I have called several times reached out twice by mail and even consulted XXXX XXXX. The only thing Synchrony Bank has done is deferred late charges. To date they still want a balance of XXXX. Thru all the months of grief and aggravation I am ready to just give up. If you can help Thank You. Sincerely and mentally exhausted. XXXX. P.S. I know it is not a lot but it is the principal of the whole problem.

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