vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Veros Credit, LLC
State: LA

Complaint narrative:
XXXX XXXX purchased a car from XXXX XXXX. XXXX  XXXX was the contract servicer. XXXX XXXX sold car loan to Veros Credit in the XXXX of XX/XX/year>. XXXX XXXX is still showing an open loan on my consumer report. If the loan was sold, It should show paid as agreed & or updated to be removed from consumer report. 
Veros Credit is reporting old payment history from XXXX XXXX that is incorrect. I did not sigh a contract with Veros Credit so how is it possible for them to report payment history from another company. 
How can Veros Credit report payment history from another car company.? 
I have also sent a Notice of Rescission : rescinding my security interest. I was not given the Notice to Rescind at the time of signing the contract with XXXX XXXX. 
XXXX XXXX was a credit transaction which means I can fill certain tax document to fulfil debt obligations. a 1099 C for cancellation of Debt because it is over {$600.00} ; and it is a bad debt. I have sent both companies a 1099 A- and 1099 C with no response. these forms have been filled with the IRS. 
Veros credit also just pulled my XXXX credit profile without my permission. 
Veros credit have been notified to stop reporting until this dispute is resolved. 
I also asked to Opt Out of reporting to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've recently checked my credit report and noticed some inaccurate accounts reporting. 

XXXX XXXX Opened XX/XX/XXXX Balance XXXX Account # XXXX its a charged off account and it's showing open. ( I need this account off my credit report ) XXXX XXXX opened on XX/XX/XXXX for XXXX Account # XXXX It's showing account is paid off and closed. ( please remove this from my credit report ) XXXX XXXX opened ( XX/XX/XXXX Account # XXXX XXXX diffrent accounts showing the same time. One credit bureau is showing closed and the other paid ( please remove this from my credit report ) XXXXXXXX XXXX Opened the same time ( XX/XX/XXXX Account # XXXX Here is another false report on my credit please remove. One credit bureau is showing closed and the other paid XXXXXXXX XXXX ( XX/XX/XXXX Account # XXXX here is another false report on my credit report. please remove this item. 

XXXX XXXX opened XX/XX/XXXX XXXX Account XXXX Collection/Chargeoff account ( please remove from credit report. 

XXXX opened XX/XX/XXXX XXXX account closed ( please remove item from my credit report ) XXXX XXXX XX/XX/XXXX XXXX Collection/Chargeoff ( please remove this from my credit report ) XXXX Opened XX/XX/XXXX Amount {$7600.00} account closed ( please remove 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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've recently checked my credit report and noticed some inaccurate accounts reporting. 

XXXX XXXX Opened XX/XX/XXXX Balance XXXX Account # XXXX its a charged off account and it's showing open. ( I need this account off my credit report ) XXXX XXXX opened on XX/XX/XXXX for XXXX Account # XXXX It's showing account is paid off and closed. ( please remove this from my credit report ) XXXX XXXX opened ( XX/XX/XXXX Account # XXXX XXXX diffrent accounts showing the same time. One credit bureau is showing closed and the other paid ( please remove this from my credit report ) XXXX XX/XX/XXXX Opened the same time ( XX/XX/XXXX Account # XXXX Here is another false report on my credit please remove. One credit bureau is showing closed and the other paid XXXXXX/XX/XXXX ( XX/XX/XXXX Account # XXXX here is another false report on my credit report. please remove this item. 

XXXX XXXX opened XX/XX/XXXX XXXX Account XXXX Collection/Chargeoff account ( please remove from credit report. 

XXXX opened XX/XX/XXXX XXXX account closed ( please remove item from my credit report ) XXXX XXXX XX/XX/XXXX XXXX Collection/Chargeoff ( please remove this from my credit report ) XXXX Opened XX/XX/XXXX Amount {$7600.00} account closed ( please remove from my credit report )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have asked for my credit report for all 3 credit bureaus and they can't verify my identity or can't or won't send me a copy of my credit reports for some reason. I've also asked for a credit report for my daughter and they tell me that they can't get one, and also I've tried to report my ex husband XX/XX/XXXX since XX/XX/2021, but they tell me that I can't report him as XX/XX/XXXXand I'm not sure as to why because I'm his ex wife and he has been XX/XX/XXXX since XX/XX/2021.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have asked for my credit report for all 3 credit bureaus and they can't verify my identity or can't or won't send me a copy of my credit reports for some reason. I've also asked for a credit report for my daughter and they tell me that they can't get one, and also I've tried to report my ex husband XXXX since XX/XX/year>, but they tell me that I can't report him as XXXX and I'm not sure as to why because I'm his ex wife and he has been XXXX since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I hope this letter brings attention to a pressing matter concerning your recent actions regarding a debt allegedly owed by me. I am writing to address critical issues that require immediate resolution. I have discovered that the collection item associated with an alleged debt : Caine Weiner has been placed on my consumer report without the required written notification. I am emphatically disputing the validity of this debt. This action not only violates the FDCPA but also infringes upon my rights under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). Your agency, by engaging in false, misleading misrepresentation, and deceptive means, is not only jeopardizing my financial standing but is also operating in violation of the law. I emphasize that your agency has failed to provide the validation information as required by 12 CFR 1006.34 ( c ) ( 4 ) ( I ), yet it has proceeded to report the collection item to a consumer reporting agency. This is a blatant violation of the aforementioned regulation and raises serious concerns about the accuracy and legitimacy of the reported debt. Additionally, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws. As of this moment, I am revoking all rights of communication with me via email, text, or calls. All future correspondence must be in writing and sent to my mailing address provided below In accordance with my rights under the FDCPA, I am requesting the following information : 1.Comprehensive debt validation : Please provide detailed documentation outlining the nature of the alleged debt, including the amount owed, the name of the original creditor, and any other pertinent information. 2.Purchase agreement : I request a copy of the purchase agreement between your agency and the original creditor, establishing your legal right to collect on the alleged debt. 3.Proof of licensure and bonding : Kindly provide documentation demonstrating that your agency is licensed and bonded, ensuring compliance with all relevant regulations. I insist that your agency rectify these issues promptly by : 1. Providing the necessary written notice outlining the details of the alleged debt, as required by the FDCPA. 2. Ceasing the inaccurate reporting of the collection item to consumer reporting agencies IMMEDIATELY until proper notification and validation information have been provided, in accordance with 12 CFR 1006.34. Failure to address these matters immediately may lead to further legal actions, as your agency 's actions not only infringe upon my rights but also tarnish my financial reputation. I trust that you will take swift and corrective action to rectify these violations and prevent any additional harm. Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: NV

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Request for Validation and Removal of Inaccurate Information from Credit Profile I am writing to address a matter of significant concern regarding the accuracy of information on my credit profile. I have recently become aware that your agency is reporting information that has not been properly validated, a practice that directly contravenes the provisions of the Fair Credit Reporting Act ( FCRA ). 

The inaccurate information pertains to the following account : Creditor Name : XXXX XXXX the FCRA, I am entitled to accurate and verifiable information on my credit report. The reported account has not been adequately validated, and as such, I am formally requesting that your agency comply with the following : 1. Provide full validation proof : Furnish detailed documentation supporting the accuracy and legitimacy of the reported debt, including but not limited to the nature of the debt, the amount owed, and the original creditor. 

2. Compliance with FCRA : Acknowledge and rectify the violation of the Fair Credit Reporting Act by ensuring that all information on my credit report is accurate, verifiable, and in compliance with the law. 

I emphasize that the inaccurate reporting of this debt is not only damaging to my credit standing but also constitutes a violation of my rights under the FCRA. If your agency fails to provide the requested validation information within the stipulated time frame, I reserve the right to pursue legal action to rectify this violation. 

To facilitate communication, kindly forward all written correspondence, including the requested validation information, to the address within this complaint. 

Alternatively, I request the prompt removal of the inaccurate account from my credit profile if full validation proof can not be provided within the specified time. 

I appreciate your prompt attention to this matter and anticipate a swift resolution to rectify this violation of my rights under the FCRA. 

Thank you for your cooperation.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to address a serious matter regarding inaccuracies in my credit report that have arisen due to identity theft. Despite my previous attempts to rectify this situation, it has come to my attention that the erroneous items have not been removed as required by law. 

Under section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated that any items found to be opened due to identity theft must be promptly removed from my credit report upon receipt of an FTC fraud report. As such, I have submitted the necessary documentation to support my claim, yet the fraudulent accounts listed below remain on my credit report : These accounts were opened without my consent or knowledge, and I am adamant that they be removed from my credit report immediately.

In accordance with the FCRA, I am giving you formal notice that if these items are not removed within the next four business days, I will be left with no choice but to pursue legal action. My intention is to resolve this matter amicably and without the need for litigation. However, I will not hesitate to involve my attorney if necessary to ensure compliance with the law.

Furthermore, if you claim that these items are 100 % accurate and verifiable, I demand that you provide me with copies of any documentation associated with these accounts that bear my signature. As I know no such documentation exists, I expect that this information will be promptly deleted from the credit file associated with my Social Security number.

I urge you to take immediate action to address this issue and prevent further harm to my credit and financial well-being. With this, I am asking for your assisstance to remove these fraud items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
someone is stealing my identity

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 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Kornerstone Credit,  LLC.
State: GA

Complaint narrative:
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 bi more than sevon years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: NJ

Complaint narrative:
Request for Validation and Removal of Inaccurate Information from Credit Profile I am writing to address a matter of significant concern regarding the accuracy of information on my credit profile. I have recently become aware that your agency is reporting information that has not been properly validated, a practice that directly contravenes the provisions of the Fair Credit Reporting Act ( FCRA ). 

The inaccurate information pertains to the following account : Creditor Name : XXXX XXXX the FCRA, I am entitled to accurate and verifiable information on my credit report. The reported account has not been adequately validated, and as such, I am formally requesting that your agency comply with the following : 1. Provide full validation proof : Furnish detailed documentation supporting the accuracy and legitimacy of the reported debt, including but not limited to the nature of the debt, the amount owed, and the original creditor. 

2. Compliance with FCRA : Acknowledge and rectify the violation of the Fair Credit Reporting Act by ensuring that all information on my credit report is accurate, verifiable, and in compliance with the law. 

I emphasize that the inaccurate reporting of this debt is not only damaging to my credit standing but also constitutes a violation of my rights under the FCRA. If your agency fails to provide the requested validation information within the stipulated time frame, I reserve the right to pursue legal action to rectify this violation. 

To facilitate communication, kindly forward all written correspondence, including the requested validation information, to the address within this complaint. 

Alternatively, I request the prompt removal of the inaccurate account from my credit profile if full validation proof can not be provided within the specified time. 

I appreciate your prompt attention to this matter and anticipate a swift resolution to rectify this violation of my rights under the FCRA. 

Thank you for your cooperation.

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