vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is a request in accordance 15 USC 1681i for the procedures that were used that led to the dispute I list below. 
I submitted my dispute via CFPB # XXXX on XX/XX/year> and I received a response from Trans Union XXXX XX/XX/year> stating that my dispute was verified on XX/XX/year>. Therefore, in accord with aforementioned law atop this communication. 
I am requesting specific information regarding my dispute this is not a request for general information regarding how you investigate the publics dispute. This is a request under 15 USC 1681i regarding specific information regarding my dispute CFPB # XXXX Submitted on XX/XX/year>. I am requesting the records that will reveal the specific procedures that were used that led to my dispute to be verified. I am also requesting in accord with 15 USC the name of the person ( s ) you spoke with along with their telephone number ( s ) and address and business name all in accord with 15 USC1681i. 
I understand that I should receive this information within 15 days or I have a right to sue Trans Union for {$1000.00}. 
I disputed according to the FCRA Trans Union is in violation firstly of 15 USC 1681b ( a ) ( 2 ) because i did not give your agency my CONSENT to furnish the account listed below : XXXX XXXX XXXX 
FCRA 602 statesI have a right to PRIVACY and FCRA 604 states a credit reporting agency can not furnish an account without INSTRUCTIONS from the consumer. 
I am also requesting EVERYTHING in my Trans Union credit file, please do not leave anything out. Please send me EVERYTHING and I mean everything in my credit file because it is my right as a protected consumer to request everything in my file according to the Fair Credit Reporting Act. 

Please send me the very specific information I am requesting under 15 USC 1681i regarding the procedures your agency used to verify along with the persons you spoke with along with their information in accord with 15 USC 1681i.My entire Trans Union XXXX XXXX everything in it that you have in it that pertains to me. And Delete 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 2024-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: CA

Complaint narrative:
On XX/XX/XXXX we returned a rental car to the XXXX XXXX XXXX in XXXX, CO. There was no damage to the car and we were given our receipt and went on our way. We were surprised to receive the following letter. 
On XX/XX/XXXX, almost three months after we retuned the car, we received a bill from XXXX in the amount of {$490.00} for damages to the car. We made attempts to reach XXXX on the number on the letter ( XXXX ) with no return call. 
On XX/XX/XXXX we received an email from XXXX stating the damage was our responsibility. We responded the same day via email, stating it was not damaged when we returned and had our receipt and we would not be accepting their statement that there was damage. 
In XXXX, we received a letter from Viking Client Services dated XX/XX/XXXX with an attempt to collect {$490.00}. I telephoned and spoke to a Viking agent XXXX XXXX to discuss. I advised her we did not have damages to the car and I had my receipt from when we retuned the car. I asked for documentation and she said she would send us information. 
On XX/XX/XXXX, we finally received documentation from Viking including pictures.The odometer reading did not match what we had on our receipt. 
On XX/XX/XXXX we responded in writing that it was obvious the car had been driven by someone after we dropped it off, indicated by the mileage of XXXX on the odometer when the images of damage were taken. We attached our rental agreement receipt showing the odometer reading was XXXX when we returned the car. There has been no response to our letter. 
On XX/XX/XXXX we received a letter dated XX/XX/XXXX offering us a repayment plan for the {$490.00}. There has been no acknowledgement from our written response from XX/XX/XXXX showing the discrepancies with the odometer reading. 
Once again, we did not return a damaged car and we want these charges to be removed from our name. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting 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:
I received my credit report on XX/XX/2024 and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. I also asked for the original contract to be provided and it was not. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I received my credit report on XX/XX/2024 and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. I also asked for the original contract to be provided and it was not. I am not responsible for this debt.

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 2024-08-18 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX  account # XXXX, XXXX account # XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Sections : It also stated a consumer reporting agency can not furnish an account with put my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an opened consumer credit plan as late for purpose.

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 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I hope this message finds you well. I am writing to bring to your attention an issue regarding my XXXX XXXX XXXX  credit card, which I opened on XX/XX/2023. As part of a promotion, I was informed that upon spending {$3000.00} within the first three months, I would receive XXXXXXXX XXXX Reward points. I am pleased to inform you that I have met the spending requirement within the stipulated time frame. However, I have yet to see the XXXX points reflected in my account. 

I have reached out to both Wells Fargo and XXXX  Rewards multiple times via phone at XXXX to resolve this matter. Unfortunately, each team has directed me to the other, with Wells Fargo advising that the XXXX  Rewards team is responsible for issuing the points, and the XXXX  Rewards team stating that they are unable to see any details related to the credit card on their end. This back-and-forth has occurred at least five times during an hour-long call, causing significant frustration and concern, yet not giving any useful information. 

Given the situation, I kindly request that both teams work collaboratively to resolve this matter and ensure that the missing XXXX points are credited to my account as soon as possible.

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 2024-08-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: AR

Complaint narrative:
PROCOLLECT , INC XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX I have requested a debt validation from this debt collector within 30 days of them reporting to my consumer report an alleged debt of {$2800.00} They have answered within 30 days with some information, however all of the information I needed to verify was not included, so I sent another letter within 30 days requesting more information. I also requested they cease all collection efforts until all requested information was given. 

They have received this letter, as it was sent certified with return receipt. However I have received nothing from them and they have continued to make collection efforts during this period of 3+ months of waiting for a response. 

Them continuing to make collection efforts after receiving my letter quoting the FDCPA demanding a cease and desist while this debt is in the validation process is a violation. Subject to {$1000.00}.

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 explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: MS

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISCOVER BANK XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX XXXXXXXX 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 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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX, has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX 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 CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information as from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Concern that TransUnion is reporting inaccuracies on the credit reporting when I have a right to PRIVACY, title ( 15USC1681 A, 4 ) fairness impartially as respect for the consumer rights, delete the following information as follow see attached. under the title, ( 15USC1681E, B ) credit reporting FCRA Fair Credit Report Act regulates credit agencies and covers situations such information is reported is 100 % accuracy ( B ) report whom a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates background report title ( 15USC1681E, B ) maximum possible accuracy of the information concerning the individual report. Title ( 15USC6801 A ) Protection of Nonpublic Information Personal Information Obligation policy of Congress that each financial institute has an affirmative and continuing obligation to respect the PRIVACY of its customers and to protect the security and confidentiality of those customers nonpublic personal information ( B ) financial institutions safeguard in furtherance of the policy in subsection ( A ) each agency or authority described in section ( 6805 ) with the title ( 15USC6802 ) obligation concerning disclosures of personal information and ( 15USC6803 ) as congress stated subsections remove the following accounts from the credit report. Non-compliance {$1000.00} is Civil Law Suit Delete the following information see attached

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 2024-08-18 00:00:00
Product: Credit reporting 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX  XXXX XXXX XXXX XXXX Act. # XXXX XXXX  XXXX Act. # XXXX XXXX  XXXX Act. # XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX Act. # XXXX XXXX Act. # 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 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I noticed that my auto payments were not being made and they switched the bank that pays for all my credit cards without my notice and closed the account. I paid consistently until this technical problem occurred from the autopay. I have consistent payments from XX/XX/year> until XX/XX/year> from the correct bank account that I registered to autopay my credit cards. There are no other credit cards that I use that have problems with consistent payments. I have already called Bank of America and was told by a representative that they have forwarded this issue to their credit score department and were sent a letter that they can not fix the issue that the autopay malfunction caused.

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 2024-08-18 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I have no less then 18 inquires on my Transunion Credit report that were due to attempted identity theft. I had the same issue with XXXX who has since removed the inquiries. Transunion has requested that I first make a report here with the Federal Trade Comission.

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