vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-04 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681 623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA, I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : Unverified account 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 3 ) Certain public record information Except as otherwise provided insection 1681k of this title, aconsumer reporting agencyshall not furnish aninvestigative consumer reportthat includes information that is a matter of publicrecordand that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the 30-day period ending on the date on which the report is furnished Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST remove this collection account immediately. 

AFFIRM INC XXXX XXXX : {$1200.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: Kovo
State: PA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late as reported in my XXXX Credit Bureau. Lets correct this immediately. The XXXX is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

KOVO INC XXXX Balance : {$170.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681 623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA, I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : Unverified account 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 3 ) Certain public record information Except as otherwise provided insection 1681k of this title, aconsumer reporting agencyshall not furnish aninvestigative consumer reportthat includes information that is a matter of publicrecordand that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the 30-day period ending on the date on which the report is furnished Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit

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 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance {$960.00} JXXXX XXXX XXXX XXXX XXXX Balance {$0.00}

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 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance {$960.00} JXXXX XXXX XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681 623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA, I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Reference Number : XXXX 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 3 ) Certain public record information Except as otherwise provided insection 1681k of this title, aconsumer reporting agencyshall not furnish aninvestigative consumer reportthat includes information that is a matter of publicrecordand that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the 30-day period ending on the date on which the report is furnished Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA 75-3-118, 75-2-725, and 15-1-49 ). Please Follow the Law Of The State of Mississippi

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXXXXXX XXXX XXXX Balance {$85.00} XXXX XXXX XXXX Balance {$0.00} Inquiries : XXXX XXXX  Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TICE ASSOCIATES INC
State: NY

Complaint narrative:
On XX/XX/2021, I mailed via USPS a certified Cease and Desist letter which was received by their office on XX/XX/2021, to Tice Associates Inc. located on XXXX XXXX XXXX XXXX, NY XXXX. In the letter, I REQUESTED they ( Tice Associates Inc ) provide a DETAILED AND COMPLETE AUDIT TRAIL of their alleged debit, I REQUESTED they zero out the balance and remove ANY AND ALL INFORMATION pertaining to this ALLEGED DEBIT from all consumer reporting agencies. 

They DID NOT Reply to the Cease and Desist letter, which is a violation under 15 U.S. Code 1692g and USC 1692c ( c ) nor did they remove the information from CRAs. INSTEAD, THEY HAVE RE-AGED THIS ALLEGED DEBIT ON MY CREDIT REPORT on XX/XX/2021, almost 2 weeks after receiving my Cease and Desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have repeatedly requested for the past 5 months through XXXX XXXX, to have the inaccurate information removed from all the XXXX credit agencies. There is a student loan account that was fraudulently reported to the XXXX credit bureaus and I have never received any response from any of the XXXX agencies. A month ago, I paid that fraudulent account off around {$1700.00}, because I was being harassed by creditors and also wanted to improve my credit score. I want my money back. The weirdest thing has been happening : rather than my credit score going up, it has gone down, despite my positive history and me making good money. One credit card even decreased my credit limit by more than half despite making payments on time and being approved for no interest for 2 years. I also have XXXX unauthorized hard inquiries. Today, before I am writing this complaint, I have been trying to dispute those inaccuracies and I am not even allowed to do so. My credit score is all over and it just doesn't make sense. 
This fraudulent recorded information has caused tremendous hardship for my family as my children were unable to get federal financial aid because of my school " default ''. I am also unable to refinance my car loans. 
I have worked very hard trying to improve my credit score after I got out of school and really appreciate your help regarding this matter.

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 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance {$610.00} XXXXXXXX XXXX XXXX XXXX Balance {$300.00} Inquiries : XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 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 2021-12-04 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681 623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA, I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Reference Number : XXXX 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 3 ) Certain public record information Except as otherwise provided insection 1681k of this title, aconsumer reporting agencyshall not furnish aninvestigative consumer reportthat includes information that is a matter of publicrecordand that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the 30-day period ending on the date on which the report is furnished Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA 75-3-118, 75-2-725, and 15-1-49 ). Please Follow the Law Of The State of Mississippi

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 2021-12-04 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: LEXISNEXIS
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681 623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA, I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Reference Number : XXXX 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 3 ) Certain public record information Except as otherwise provided insection 1681k of this title, aconsumer reporting agencyshall not furnish aninvestigative consumer reportthat includes information that is a matter of publicrecordand that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the 30-day period ending on the date on which the report is furnished Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA 75-3-118, 75-2-725, and 15-1-49 ). Please Follow the Law Of The State of Mississippi

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: DC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I went to this dealership with my father when he was shopping for a car in 2014. He had some health issues which caused him to pay some of his bills late. It affected his credit of course so the salesperson told him that if i signed on to the loan it would help him get the car. I was told it would not affect my credit because it was only a bank reference. I wasn't sure what that meant exactly but if it wasn't going to affect my credit i was okay with it. A couple of years later i was attempting to sign up for a XXXX account and i was told that it couldn't be done because I had a repossession on my credit report. I called my father who i hadn't spoke to for about 18 months and he told me that his health issues caused the car to get repossessed. I called the dealership to ask why i had this information on my credit and was told that I was put on as a co-signer and it wasn't their problem anymore. I explained what was said to me at the time about it just being a bank reference and they said that, that salesperson didn't work there anymore. I was told to call the finance company if I had a complaint to make. I called the original finance company and they said they sold the debt to the company that holds it now. I tried to come to some agreement with this debt collector but I failed. I don't know what else to do about this.

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