vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX : XXXX, XXXX of XXXX XXXX. There is no 3rd party submitting documents on my behalf! Hello XXXX XXXX! Youve stated XXXX XXXX XXXX that you guys confirmed my account did not have any payments made for the months of XX/XX/XXXX through XX/XX/XXXX when IN FACT the account was paid in full the moment my credit card pursuant to 15 USC 1602L was accepted. You also said youve confirmed there were payments made to the account that were less than the required minimum amount. & enclosed my XX/XX/XXXX through XX/XX/XXXX billing statements and collection letters, which reflect the delinquency progression on the account. XXXX  XXXX, Pursuant to 15 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave You, XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. You have caused severe stress and anxiety due to the abusive and unfair practices. Please see Attached documents for Exhibits!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: TX

Complaint narrative:
DO NOT BE AFREAID OF A NAME! DO THE RESEARCH! THIS IS NOT A GOVERNMENT AGENCY. THE CFPB PREVIOUSLY CLOSED A COMPLAINT. 
THE OFFICE OF THE ATTORNEY GENERAL IS NOT A GOVERNMENT AGENCY! 
THEY ARE A PRIVATE BUSINESS NO DIFFERENT FROM XXXX AND OR XXXX 'S! 
THEY HAVE NO AFFILIATION WITH THE ACTUAL ATTORNEY GERNERAL OF THE STATE OF TEXAS. 
Further, A government agency does not have customers etc. This Company is listing a LOAN on my Credit that DOES NOT EXIST. They Cant and Wont Validate the Debt per FEDERAL LAW 15 USC 1692g!

They are to be removed from my Consumer report Immediately.

Again : Sent Multiple Certified Letters regarding an alleged Debt and or a Ficticious Loan by The TEXAS OFFICE OF THE ATTNY GEN THEY DO NOT REPOND AND THEY REFUSE TO VALIDATE THEIR CLAIM YET CONTINUE TO GARNISH MY WAGES AND REPORT ON MY CONSUMER REPORT AND DESTROY MY REPUTATION. THEY WILL NOT REMOVE THE FOLLOWING ACCOUNT : Account ( s ) : OFFICE OF THE ATTY GEN Account : XXXX In accordance with the Fair Credit Reporting Act. The above Account has violated my Rights Everything has to be 100 % accurate on my Credit Report. 15 USC 1681 Section 602A. States I have the right to privacy. 15 USC 1681 Section 604A section 2 : It states a consumer reporting agency CAN NOT furnish an account without my written instructions. I submitted a complaint with the XXXX  and the Attorney Generals Office. This Collection Agency is volating my rights and costing me dearly. 
TO CONTINUE TO REPORT THIS INFORMATION OR ALLOW THIS INFORMATION TO CONTINUE TO BE LISTED ON MY CONSUMER REPORT IS A VIOLATION OF FEDERAL LAW. 15 USC 1681 ( N ) WILFULL NONCOMPLIANCE AND I WILL SEEK MONETARY DAMAGES FROM ALL PARTIES THAT DO NOT COMPLY WITH THIS FINAL DEMAND, IF THIS IS NOT HANDLED 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 2022-05-02 00:00:00
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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On or about XX/XX/2022 received an offer from TD Bank its stated that if I spend {$500.00} on eligible purchases within the first 90 days of opening account I will receive {$200.00} cash back. I completed the above and applied for this offer however I did not receive my {$200.00} I only received {$150.00} cashback reward. I applied for this offer online and call the bank to request an additional {$50.00} as was stated in their offer. They refused to give me the money. I applied the preferred customer number for this offer. Ive made copies of the flyer that I received and attached to this complaint. I would like to {$200.00} that I was offered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-02 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: NJ

Complaint narrative:
Multiple incorrect addresses showing on my credit profile 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 XXXXXXXX **In addition hard inquiries not made by myself : EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX In addition : XXXX XXXX XXXX XXXX XXXX, FL 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 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 In accordance to the fair credit reporting act the above stated companies have violated my rights 15 U.S. Code 1681s602a-Section 1- I have the right to privacy 15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: NJ

Complaint narrative:
Multiple incorrect addresses showing on my credit profile 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 only address that should show is : XXXX XXXX XXXX XXXX, NJ XXXX **In addition hard inquiries not made by myself : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX In addition : XXXX XXXX XXXX XXXX XXXX, FL 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 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 In accordance to the fair credit reporting act the above stated companies have violated my rights 15 U.S. Code 1681s602a-Section 1- I have the right to privacy 15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: GA

Complaint narrative:
On XX/XX/2022 I sent in a letter regarding several accounts that are inaccurately reporting to my credit file. The credit reporting agency did not update me on the status of the investigation and it has been well over 60 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: GA

Complaint narrative:
On XX/XX/2022 I sent in a letter regarding several accounts that are inaccurately reporting to my credit file. The credit reporting agency did not update me on the status of the investigation and it has been well over 60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
I went on line to get a loan with Discover Personal Loans in XXXX. The loan was approved and I had the funds deposited into my daughters account and set up automatic payments to come out of the same account. The funds were deposited and a payment was taken out of the account. On the XXXX of XXXX my daughters bank account was charged a hold of {$880000.00} because Discover assumed there was fraud. The did not speak to me or do anything to verify that this loan was in fact good. I spoke to Discover personal loans on Friday morning and they assured me that they had reached out to my daughters bank and that they removed the fraud claim. My daughters bank, XXXX  XXXX XXXX said that they told Discover that they had to receind the claim in writing. As of Monday morning XX/XX/22 they still had not sent the letter to XXXX  XXXX XXXX. Discover said that they had to send the letter to their legal team before they could send it to XXXX  XXXX XXXX. This whole mess could have been avoided of Discover had done their due diligence and spoke to me before filing the claim in the first place. They are quick to wrongfully assume something but slow to fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: NJ

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2022-05-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter requesting the removal of several accounts that are inaccurately reporting to my credit file. It has been 60+ days and I have not been updated on the investigation status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter requesting the removal of several accounts that are inaccurately reporting to my credit file. It has been 60+ days and I have not been updated on the investigation status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: GA

Complaint narrative:
On XX/XX/2022 I sent in a letter regarding several accounts that are inaccurately reporting to my credit file. The credit reporting agency did not update me on the status of the investigation and it has been well over 60 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: TX

Complaint narrative:
I asked the credit bureaus to investigate every piece of information on the accounts I have listed below. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my accounts were verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the following reports attached. 

Accounts : 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 2022-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: CO

Complaint narrative:
I am disputing a collection from XXXX XXXX XXXX that appeared on my credit report in XXXX, XXXX. The collection agency is Helvey and Associates. 

The collection relates to the energy utility bill on a home that was owned by my ex-wife XXXX XXXX at XXXX XXXX XXXX, XXXX, NC XXXX. ( XXXX XXXX XXXX XXXX in amount of {$550.00} ). She purchased this home individually in XX/XX/XXXX and sold it in XX/XX/XXXX. We are divorced and separated in XX/XX/XXXX, and I moved out. Apparently this account became in arrears in XXXX of XXXX at the start of the COVID pandemic. XXXX moved to XXXX, Colorado in XXXX of XXXX and bought a home at XXXX XXXX XXXX XXXX, XXXX, CO XXXX. She called XXXX XXXX to turn off the energy at her home and gave XXXX XXXX XXXX XXXX as the forwarding address ( please note, I have never lived at XXXX XXXX XXXX XXXX- I moved to XXXX XXXX XXXX XXXX XXXX, CO XXXX in XX/XX/XXXX ). I was not aware a ) that I was a responsible party to this account and b ) that the account was delinquent. The final bill was mailed to an address that I have never lived at. I discovered this bill existed when a collection showed up on my credit report. Apparently, the notice of collection from Helvey and Associates was also sent to XXXX XXXX XXXX XXXX. 

When I became aware of this collection, I informed XXXX and she called XXXX XXXX and made payment directly to them from her checking account ( please see her email regarding this ). 

I was not responsible for paying the utility bill per the explicit terms of our executed Amended Cohabitation Agreement, a signed copy of which is included with this dispute for your review : See, specifically, XXXX XXXX Each of us shall be solely responsible for his or her separate debt, and shall indemnify and hold the other of us harmless with regard to such debt... Separate debt shall also include debt incurred with respect to only that partys separate property. 

I believe this collection should be deleted from my credit report. It was 1 ) promptly paid when I became aware it existed 2 ) at least in part stemmed from unprecedented disruption during a global pandemic and 3 ) was connected to a home I did not own and was per the explicit language of a court order not my legal responsibility. I am a practicing XXXX XXXX XXXX and have an otherwise impeccable credit history that spans over 18 year. There is not even a late payment on my credit report, let alone another collection. I am a responsible borrower and this collection is an aberrancy. It is, however, making it extremely difficult for me to qualify for a mortgage as I am trying to purchase a home to live in with my XXXX  children. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: FL

Complaint narrative:
The attached document 'Experian Dispute Resolution - XXXX XX/XX/2022 ' is an update to my CFPB Complaint No. XXXX, that I filed against Experian last week. 
I submitted the attached document to Experian, because I disagreed with their resolution to a dispute that I submitted to them on XXXX XX/XX/2022. 

XXXX XXXX XXXX, XXXX ( Retired )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I am waiting from someone in capital ones cooperate office to call me or email me I have written to XXXX XXXX and XXXX XXXX and not one time has anyone contacted me at all they refuse. everytime I call customer service I just get a supervisor and no one higher you can ever talk too getting really frustrated and want to talk to someone in ther cooperate office and have a conversation with some one there

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  Account Number : XXXX XXXX Account Number : 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 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 2022-05-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  Account Number : XXXX XXXX Account Number : 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 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