vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX is apparently trying to shake me down over damage to a rental vehicle that I did not cause. 

Here is the complaint that I sent to them after I received a letter from a debt collection agency. 

Please note that the car was successfully checked in by a XXXX XXXX XXXX XXXX person on XX/XX/XXXX at XXXX after I had already dropped it off. According to their own attached records, the incident occurred on XX/XX/XXXX and was not reported by the individual who checked in the car on XXXX 
-- -- -- -- -- -- -- -- -- -- Dear Sir or Madam, I have received a damage claim to the above rental car for damages that I did not cause. 

Here are the facts : There was no attendant on duty when I returned the car. 
My business partner was with me and can attest to the fact that the car was undamaged. 
The claim that I received shows that I returned the car to XXXX XXXX XXXX on XX/XX/XXXX. 
The " Incident Date '' listed on the report is XX/XX/XXXX. 
The car was not in my possession from XX/XX/XXXX until the incident date of XXXX. 
The email address listed on the claim is incorrect and does not match the email address that I have on file with XXXX. 
The pictures that I was sent shows the car in a completely different location than the one that it was left in. It was left at the airport check in facility but the pictures clearly show it at a repair facility. 

Why am I being charged damage that I did not incur and apparently your company can not confirm happened while the car was in my possession? 

If I did incur this damage, why was I not contacted by XXXX before it was sent to a credit reporting agency? 

Should I need to get my attorney involved, I have already consulted with XXXX. Please provide me with the following information as soon as possible so I can share it with her. 

XXXX 's policy regarding the checking in of cars upon the end of a rental. 
XXXX 's policy regarding the reporting of damage by company personnel upon return of a rental. 
The entire rental history of this car from XX/XX/XXXX to XXXX. 
The contact information for any owners of video surveillance systems of the airport lot where the car was left. 

Please feel free to contact me at XXXX or XXXX to discuss further. 

We look forward to your favorable resolution based on lack of facts, witnesses, and the lack of expeditious reporting of the supposed damage by XXXX XXXX on XX/XX/XXXX at XXXX. 

Thank you for your prompt attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: MA

Complaint narrative:
The accounts in question are IN COLLECTIONS : XXXX XXXX : XXXX Unknown Collection Agency : XXXX XXXX XXXX XXXX : XXXX The account in question which is closed and has a ton of INACCURATE INFORMATION : XXXX XXXX XXXX : XXXX I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX A BOUT THIS credit report and found some addresses that appear incorrect. Not only did I find addresses, but I TRANSUNION. 

I looked over the ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 

TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE 15 USC 1681CTAKEN OFF ASAP. 2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 

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 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout 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 2023-01-14 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: MA

Complaint narrative:
The accounts in question are IN COLLECTIONS : XXXX XXXX : XXXX Unknown Collection Agency : XXXX XXXX XXXX XXXX  : XXXX The account in question which is closed and has a ton of INACCURATE INFORMATION : XXXX XXXX XXXX : XXXX I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX A BOUT THIS credit report and found some addresses that appear incorrect. Not only did I find addresses, but I XXXX. 

I looked over the ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 

TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE 15 USC 1681CTAKEN OFF ASAP. 2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 

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 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout 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 2023-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX ***Fraudulent charges & do not belong to me XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Ph : XXXX This sham of a collection company has reported a Collection debt on my personal credit report with XXXX, XXXX XXXX XXXX FRAUDULENTLY which has affected my XXXX score dramatically. This debt is fraud and debt does not belong to me. I am in my legal right to request it be investigated and removed immediately from all credit reporting agencies and this company should be investigated for illegal collection practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX CT XXXX, NC XXXX ; XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX  XXXX ( Original XXXX XXXX XXXX ) XXXX Balance : XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent a {$250.00} XXXX  deposit payment to XXXX XXXX, owner of XXXX XXXX for a custom dress for an event on XX/XX/XXXX. The dress was supposed to be delivered on XX/XX/XXXX. The owner failed to make the necessary alterations as agreed and did not deliver the dress as scheduled. A refund was requested from the owner who failed to respond. I contacted CapitalOne and explained the nature of events that I did not receive the dress as agreed and that I was requesting a refund from the owner. The owner stopped communicating with me and I tried to resolve the issue through CapitalOne. CapitalOne provided a temporary credit in the amount of {$250.00} for investigation XXXX. CapitalOne failed to request any information from me as evidence for my claim and made a decision to reverse the temporary credit on XX/XX/XXXX which was drafted on XX/XX/XXXX stating that the payment was processed per instructions yet I did not receive the services as agreed. This is the 3rd time this banking institution has failed to due it's due diligence and conduct a fair and thorough investigation on claims initiated by me. It is noteworthy to mention that I filed another claim with another banking institution concerning a final payment to this owner whereas the bank ruled in my favor. This banking institution requested information to determine that my claim was valid. In addition, I need to reference another claim which was denied by CapitalOne XXXX concerning a rental deposit of {$320.00}. CapitalOne also ruled that the payment was accurate again without conducting the proper investigation and requesting supporting documentation to substantiate my claim and the temporary credit which was given on XX/XX/XXXX was reversed on XX/XX/XXXX. However, the XXXX XXXX XXXX emailed me on XX/XX/XXXX and mailed a check in the amount of {$320.00} which was disputed with CapitalOne. I am requesting that CapitalOne honor it's commitment to consumers that utilize it's services since the banking institution has failed to properly conduct investigations when claims are initiated from my account. There is a form of prejudice that exists and I would like them to review my account with integrity and fairness. Each claim I have initiated has been denied without any request of documentation from me to make a decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
The company is XXXX Fs. I have XXXX credit cards with them. The oldest being XXXX XXXX XXXX I believe. I have lived at the same address for XXXX XXXX. Somehow they allowed for my address to be changed on all XXXX cards. I was also locked out if my online accounts. I attempted to reach out to the company. I was told to send them a copy of my drivers licenses through the mail to verify my address. They refuse to verify me by any other means. Like phone dob ssn and so on. I have been dealing with this for awhile now. I have no access to cancel the cards or to even pay for the cards. The problem also comes in that I have no access to get statements and the balances are higher than they should be. They will not review any info on the charges with me. So while Im waiting for them to review my driver licenses they keep wracking up fees. This is completely not ok.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14 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: VA

Complaint narrative:
I submitted a fraudulent charge affidavit with XXXX XXXX XXXX XXXX and they failed to address. At the time I had a {$1000.00} credit limit, and they allowed a charge from XXXX in the amount of {$1800.00} and said I need to pay it. The charge was not authorized and at the time the card did not have the credit limit to support the charge. When I submitted a dispute with the XXXX XXXX XXXX 's XXXX, Transunion, XXXX and they failed to investigate and remove the negative item from my consumer 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 non-monetary relief
Consumer complaint received 2023-01-14 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: Atlanticus Services Corporation
State: VA

Complaint narrative:
I submitted a fraudulent charge affidavit with ASPIRE credit card company and they failed to address. At the time I had a {$1000.00} credit limit, and they allowed a charge from XXXX in the amount of {$1800.00} and said I need to pay it. The charge was not authorized and at the time the card did not have the credit limit to support the charge. When I submitted a dispute with the XXXX XXXX XXXX 's XXXX, XXXX, XXXX and they failed to investigate and remove the negative item from my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14 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: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and correct : XXXX XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XX/XX/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 2023-01-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/XXXX, I opened a Citibank checking account ending in XXXX, and a savings account ending in XXXX. As explained in their " Priority Package '' promotion - opening both a savings and checking account, and depositing {$50000.00} minimum into checking for 60 days would earn a {$700.00} bonus payment. 

I deposited {$50000.00} into my checking account on XX/XX/XXXX - and left it in that account until XX/XX/XXXX - well beyond the 60 day requirement. 

Why did I never receive the {$700.00} promotion payment? 

I tried phone contacting Citi about this on XX/XX/XXXX. After spending an hour of being transferred between multiple representatives, waiting on hold many times, and continually having to verify my identity- no one could answer my question. I gave up. 

Just another example of how Citi gives false misleading information, and cheats customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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