vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: IL

Complaint narrative:
I received a letter from Viking Client Services saying that I owed nearly {$2000.00} related to a rental from XXXX XXXX XXXX. I called XXXX to find out what this was in regards to as I have always paid for all of my rentals and have never returned a car with damage. 
I contacted Viking with more details about the debt they are requesting that I pay since XXXX says I do not owe them anything. They continue to claim it's from XXXX XXXX XXXX, but I have called XXXX XXXX  and they say that my account is paid in full and that I do not owe them for anything. I called my local police department and they told me that it is very likely that this is a scam and advised me to not pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-07-17 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: MD

Complaint narrative:
This letter serves as a formal and urgent follow-up to my previous correspondence regarding the inaccurate negative accounts on my credit report. It is unacceptable that despite multiple attempts to resolve these issues, these erroneous entries continue to tarnish my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This letter serves as a formal and urgent follow-up to my previous correspondence regarding the inaccurate negative accounts on my credit report. It is unacceptable that despite multiple attempts to resolve these issues, these erroneous entries continue to tarnish my credit profile.

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 2024-07-17 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: TX

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1692g, you are required to investigate and correct any inaccuracies on my credit report. I kindly request that you perform a thorough investigation into these items and make the necessary corrections. 

Please send me written confirmation once the inaccuracies have been resolved and my credit report has been updated. I would appreciate your prompt attention to this matter, as these errors are negatively affecting my credit score and overall financial health. 

ACCOUNTS : XXXX XXXX XXXX {$360.00} XXXX XXXX  {$330.00}

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1692g, you are required to investigate and correct any inaccuracies on my credit report. I kindly request that you perform a thorough investigation into these items and make the necessary corrections. 

Please send me written confirmation once the inaccuracies have been resolved and my credit report has been updated. I would appreciate your prompt attention to this matter, as these errors are negatively affecting my credit score and overall financial health. 

ACCOUNTS : XXXX XXXX XXXX {$360.00} XXXX XXXX  {$330.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a debt on my credit report that XXXX ) is no longer owed to them, XXXX ) is now owned by XXXX XXXX and XXXX ) has a XXXX balance because I paid XXXX via their XXXX-party, XXXX XXXX XXXX ( as XXXX refused to offer me a settlement amount and transferred me to XXXX  for settlement ). Due to XXXX XXXX simultaneously reporting the referenced account and debt and not deleting it altogether, has resulted in adverse action with the mortgage lender that I am working with, and has stopped the lending process, which can prevent me from getting the home. The erroneous reporting will also result in the lender having to run my credit again, outside of the mortgage inquiry period ( if this is not resolved ). Ultimately, adding more inquiries and lowering my credit score. 
The amount being reported by XXXX XXXX XXXX  is {$810.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX  XXXX XXXX  is reporting a debt on my credit report that XXXX ) is no longer owed to them, XXXX ) is now owned by LVNV/Resurgent XXXX and XXXX ) has a XXXX balance because I paid LVNV via their XXXXparty, XXXX XXXX XXXX ( as XXXX refused to offer me a settlement amount and transferred me to FRS for settlement ). Due to XXXX XXXX simultaneously reporting the referenced account and debt and not deleting it altogether, has resulted in adverse action with the mortgage lender that I am working with, and has stopped the lending process, which can prevent me from getting the home. The erroneous reporting will also result in the lender having to run my credit again, outside of the mortgage inquiry period ( if this is not resolved ). Ultimately, adding more inquiries and lowering my credit score. 
The amount being reported by XXXX XXXX XXXX  is {$810.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to the FCRA XXXX account # XXXX has violated my rights. 

FCRA section 605 B. It is illegal to report information on my credit report without my 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 non-monetary relief
Consumer complaint received 2024-07-17 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: AZ

Complaint narrative:
Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXX BANKRUPTCY Case Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1681XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from 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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX5 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-07-17 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:
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Complaint Details XXXX ** - **Subject : ** Late Payment Issue Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX regarding a late payment issue that has negatively impacted my account. 

I have been a customer of XXXX for `` two years '' and have always made my payments on time. However, despite making my payment on XX/XX/year>, the company has failed to process the payment on time. This late payment has caused " late fees, '' " negative impact on my credit score, ''. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - **Date of Payment : XXXX XX/XX/year> - **Amount Paid : ** XXXX Despite my attempts to resolve this issue directly with XXXX XXXX customer service, I have not received a satisfactory response. I have contacted their customer service department on XX/XX/year> and was informed that I am not receiving a response As a result of this late payment, I am seeking the following resolution : 1. Immediate correction of the payment processing error.

2. Removal of any late fees or penalties associated with this error.

3. Correction of any negative impact on my credit report due to this late payment.

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX **Complaint Details XXXX ** - **Subject : ** Late Payment Issue Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX  regarding a late payment issue that has negatively impacted my account. 

I have been a customer of XXXX for XXXX two years '' and have always made my payments on time. However, despite making my payment on XX/XX/2024, the company has failed to process the payment on time. This late payment has caused " late fees, '' " negative impact on my credit score, ''. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAmount Paid : ** XXXX Despite my attempts to resolve this issue directly with XXXX XXXX customer service, I have not received a satisfactory response. I have contacted their customer service department on XX/XX/2024 and was informed that I am not receiving a response As a result of this late payment, I am seeking the following resolution : 1. Immediate correction of the payment processing error.

2. Removal of any late fees or penalties associated with this error.

3. Correction of any negative impact on my credit report due to this late payment.

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally request the removal of unauthorized hard inquiries from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I noticed several hard inquiries that I did not authorize. These inquiries include : Inquiry by [ XXXX XXXX XXXXXXXX ] on [ XX/XX/year> ] Inquiry by [ XXXX XXXX XXXX ] on [ XX/XX/year> ] Inquiry by [ XXXX XXXX  ] on [ XX/XX/year> ] Inquiry by [ XXXX XXXX XXXX ] XXXX [ XX/XX/year> ] Inquiry by [ XXXX XXXX XXXX XXXX [ XX/XX/year> ] As per 1681b of the FCRA, hard inquiries should only be listed on a credit report if they are the result of a consumer-initiated action. I did not authorize these hard inquiries, nor did I initiate any application for credit with these entities.

To comply with 1681i of the FCRA, I kindly request the immediate removal of these unauthorized hard inquiries from my credit report. Additionally, I request that you provide accuracy by contacting the companies that reported these inquiries and showing proof that I personally authorized these hard inquiries. If there is no proof of my authorization, these inquiries must be removed immediately in accordance with 1681e ( b ).

Specifically : 1681b. Permissible purposes of consumer reports : Hard inquiries must be based on a legitimate purpose, such as a consumer-initiated transaction.

1681i. Procedure in case of disputed accuracy : Requires the credit bureau to conduct a reasonable reinvestigation of disputed information and provide results within 30 days.

1681e. Compliance procedures : Mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information.

Enclosed with this email, I have included the necessary identification documents ( drivers license, social security card ), a copy of my credit report highlighting the disputed inquiries for your reference & an identity theft document.

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