vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 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: PR

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts ; US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} ), US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My BOA card was stolen by unknown people. I already call XXXX XXXX and told them. 
They also steal my passport which have my personal information. 

But I cam keep getting unknown message. I report stolen card and replace to new one. 
Here is the message : XXXX XXXX for tg or aor, t https : XXXX f o ddt ak tho XXXX. -- XXXX XXXX XXXX XXXX XXXX *URGENT MESSAGE* Your card was placed on hold due to suspicious activity to reactivate XXXX Debit Card please visit https : XXXX -- XXXX XXXX XXXX XXXX XXXX This two meessage came to 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 2022-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: TradeStation Group, Inc.
State: CA

Complaint narrative:
I had previously attempted to resolve this dispute with TradeStation directly to no avail. I had a recently closed CFPB complaint which also ended in a denial. To summarize the situation : I satisfied the deposit and duration requirements and yet Tradestation is denying the bonus stating that I'm not entitled to a crypto bonus since I received a previous bonus for a separate securities account. Escalated, provided a screenshot of their own terms and conditions with no success. Within days of the above complaint being closed I realized TradeStation altered their terms for the promotion. I contacted a helpful CFPB representative who informed me that I am welcome to file a new dispute if there is any " new information. '' Indeed, there is an update to this saga so here I am. I will attach two files- one labeled " old terms '' and one " new terms. '' OLD TERMS : " Existing TradeStation Crypto clients are not eligible for this offer. This offer can not be combined with any other offers. Only one offer/reward is available per client on one qualifying account. '' NEW TERMS : " Existing TradeStation clients ( whether a client of TradeStation Crypto or Tradestation XXXX  ) are not eligible for this offer. This offer can not be combined with any other offers from TradeStation companies ( whether the offer was from TradeStation Crypto or from TradeStation  XXXX  ). For example, a client who has previously received the benefit of a promotional offer from a Tradestation company is not eligible for this promotional offer because that client is an existying TradeStation client. Only one offer/reward is available per client on one qualifying account. '' Can you see the difference in clarity? Definitely necessary when you're providing two different products and two different promotions ( securities and crypto ).

When I applied under the old terms I was not an existing crypto client. A crypto account and a brokerage account are NOT the same therefore I'm not combining with any other offers. The fact that tradestation has two legal entities- one for crypto and one for securities - furthers this point. The old terms are as vague as the new terms are clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: PR

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts ; US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$3500.00} ), US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX XXXX {$3500.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-04-14 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: CA

Complaint narrative:
In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumerreporting 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 2022-04-14 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD AUTO was out of COVID-19 relief compliance. They didn't comply to resolve my COVID-19 relief request in XXXX of payment extension, this issue was reported to the office of Attorney General whom contacted TD Auto, because XXXX XXXX XXXX was sued for taking advantage of consumers and so was TD Auto in XXXX Then TD AUTO turned around and sent my account to a collection agency. Our Lawyer wrote back to that collection agency that TD Auto was out of COVID-19 compliance and and the collection agency disappeared, then TD AUTO surprisingly started reporting monthly charged off ( CO ) on my credit report after their collection agency disappeared.This was brought to my attention by a car dealership and wanted us to contact TD of why CO was reported monthly instead of just once as a charge off notice. Kindly assist us to clarify from TD AUTO why they kept reporting " charge off - CO '' every month? I think this causes for a lawsuit against TD AUTO of malicious, intolerable, incongruous monthly illegal charge-off. Thanks. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : 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 2022-04-14 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
I receive an alert on my XXXX app and found that my credit score had dropped XXXX points. I inquired through the 3 credit reporting agencies as to what this was. Then I requested a validation letter requesting documentation of this collections, but I have yet to receive any documents except one collections letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: CA

Complaint narrative:
I have a company on my credit report named XXXX XXXX XXXX XXXX XXXX. XXXX on 2022 i sent a ftc report also a police report to have this item removed because i do not have a XXXX and im not on XXXX XXXX I also asked for proof to be sent yo me with my signature saying im responsible and i agreed to this term of XXXX XXXX I have no proof, the credit bureaus wont send me anything saying this court ordered debt is my obligation.

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 2022-04-14 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 there a accounts attached that have violat

ed 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 w
ritten consent.

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 2022-04-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX was out of COVID-19 relief compliance. They didn't comply to resolve my COVID-19 relief request in XXXX of payment extension, this issue was reported to the office of Attorney General whom contacted XXXX XXXX, because XXXX XXXX XXXX was XXXX for taking advantage of consumers and so was XXXX XXXX  in XXXX. Then XXXX XXXX turned around and sent my account to a collection agency. Our Lawyer wrote back to that collection agency that XXXX XXXX was out of XXXX compliance and and the collection agency disappeared, then XXXX XXXX  surprisingly started reporting monthly charged off ( CO ) on my credit report after their collection agency disappeared.This was brought to my attention by a car dealership and wanted us to contact XXXX of why CO was reported monthly instead of just once as a charge off notice. Kindly assist us to clarify from XXXX XXXX why they kept reporting " charge off - CO '' every month? I think this causes for a lawsuit against XXXX XXXX of malicious, intolerable, incongruous monthly illegal charge-off. Thanks. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act there a accounts attached that have 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 consent.

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 2022-04-14 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: CA

Complaint narrative:
I have a company on my credit report named XXXX XXXX XXXX XXXX XXXX. XXXX on 2022 i sent a ftc report also a police report to have this item removed because i do not have a XXXX  and im not on XXXX XXXX. I also asked for proof to be sent yo me with my signature saying im responsible and i agreed to this term of XXXX XXXX I have no proof, the credit bureaus wont send me anything saying this court ordered debt is my obligation.

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 2022-04-14 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: CA

Complaint narrative:
I have a company on my credit report named XXXX XXXX XXXX XXXX XXXX. XXXX on 2022 i sent a ftc report also a police report to have this item removed because i do not have a XXXX  and im not on XXXX XXXX. I also asked for proof to be sent yo me with my signature saying im responsible and i agreed to this term of XXXX XXXX I have no proof, the credit bureaus wont send me anything saying this court ordered debt is my obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: PR

Complaint narrative:
On XX/XX/2022 I contacted Equifax about the following negative accounts ( list the accounts ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: CA

Complaint narrative:
In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumerreporting 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 2022-04-14 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: CA

Complaint narrative:
In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumerreporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act there a accounts attached that have 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 consent.

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 2022-04-14 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act there a accounts attached that have 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 consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Trans union shared my information and others borrows and third party companies aboand they emailed me threatening to damage my credit and not its on 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 explanation
Consumer complaint received 2022-04-14 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: PR

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts ; XXXXXXXX XXXX XXXX  XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$21000.00}, XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$5600.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided.

Hard Inquiry Name Here down below Delete this unconfirmed inquiry lacking c

ertifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes

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 2022-04-14 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : 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 2022-04-14 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:
I have tried to remove serval accounts that are not mine. I am also having problems with my XXXX  sisters accounts posting on my reports as well.

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