vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
I sent a XXXX letter to Vanderbilt Mortgage and Finance , IncXXXX on XX/XX/XXXX. It was late to be delivered and when I inquired at the local post office, they gave me some incorrect information. It appears the letter was received XX/XX/XXXX, as expected, but USPS is delayed in the tracking. I apologize to VMF for the accusation. However, my letter addressed 15 USC 1692g ( b ) in larger font than the rest of the typed letters, to make it clear and conspicuous what I was requesting. VMF responded that my letter was referencing RESPA, which is in no way, nor has it ever been, relevant to my relationship with VMF. This is a blatant 15 UCS 1692 ( a ) violation as an abusive, deceptive, and unfair debt collection practice. I would suggest that the person who put their signature at the bottom of the letter should be ashamed of themselves for this display of ignorance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: Continental Finance Company, LLC
State: TX

Complaint narrative:
I am checking on the status of Complaint ID : XXXX. Vice President XXXX XXXXXXXX of Continental Finance sent a letter back stating that the late payment reporting in XX/XX/2020 would be removed from my credit report within XXXX days. This was back in XXXX and we are now going into XXXX. I even tried to submit the letter to the credit bureaus to have them remove it and still nothing. I am hoping that this is resolved, and that the deletion can be honored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I noticed on my credit report that there are accounts that I do not recognize. The accounts are completely fraudulent and has never belonged to me at all. The accounts are as listed ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I contacted the companies to get an understanding of where the accounts come from and each company stated that I was not found in their database.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I noticed on my credit report that there are accounts that I do not recognize. The accounts are completely fraudulent and has never belonged to me at all. The accounts are as listed ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX. I contacted the companies to get an understanding of where the accounts come from and each company stated that I was not found in their database.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I applied for the Barclay aviator rewards card, around end of XXXX. I did not hear from or receive a letter or a card from barclay. So I figured I wasnt approved or possibly they sent the card somewhere else or it just takes awhile to receive. The terms said you need to make a purchase within 90 days of opening the account. I dont know when that would be.. my definition of opening an account is when it is activated and you are able to make a purchase with the card they send you. They did not send the card until after the promotional term had ended.. so guess what? I dont get my miles, pretty convenient that it is sent after the promo is over, multiple people have experienced the same thing. I activated the card immediately after receiving and made a purchase, and this is verifiable with there records when I spoke to them, barclay is an absolute scam and does not issue rewards as promised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
Neither I or creditors has been able to pull my Equifax credit report. I get an error saying error code NH. i have attached a copy of my ID and social security card for proof of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: IL

Complaint narrative:
A company has failed to update the current status of report I notified all three Credit Bureau of the situation and all have failed to properly investigate the issue. I reported a Company named XXXX XXXX to all three Bureaus about inaccurate information and no steps have been taken to remove the inaccurate information from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I can't sleep anymore. I was up all night, finally fell asleep around XXXX. dreamt about XXXX. woke up extremely agitated. layed in bed until XXXX. asked XXXX XXXX a question about XXXX, and within XXXX minutes it was giving me numbers to call for disturbed people. I don't feel comfortable walking through my house. I'm constantly looking outside to see if the home invaders are looking back at me through the windows. My grandmother doesn't even remember the situation, but I erupted into a fit of rage when they came back yesterday, and I can see that she knows something is wrong. I'm worried about the effect it has on her health...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ATG Credit, LLC
State: IL

Complaint narrative:
Collection was originally placed on XX/XX/XXXX for debt of {$4700.00} from XXXX XXXX to ATG credit. During this time, I received no notice of being sent to collection via mail or by telephone by XXXX or ATG. I did not notice this debt for XXXX years due to no change in credit score at this time and no notice from either company. 

Now, XXXX years later on XX/XX/XXXX, my credit score was updated and impacted. My first notice of debt came via a call and voicemail on XX/XX/XXXX. Since then I have tried to call and dispute the debt with both the original collector and the debt collection agency who will not let me do it as the debt is " too old '' per their words. 

I should not owe this money in the first place as this medical debt initially came from XXXX XXXX who never billed my insurance originally, and then billed them over 180 days after the procedure was completed and my insurance was past the statute of limitations. I have had my insurance company contact them multiple times to say they would have covered this had they been billed appropriately, but they continue to ignore this. I have sent both parties the explanation of benefits at that time, yet they continue to ignore that they failed to bill my insurance appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have chatted online and called multiple times on protecting my name and address from bein used and twisted around and now there are multiple hard inquiries that need to be removed it is effecting my credit score while trying to handle business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, you have a responsibility to promptly delete any information which is inaccurate or incomplete from my credit report so it doesn't get reported. I understand that this is your responsibility under the FCRA, and even if an account has only been speculated upon or never confirmed in any way, the burden falls on you to provide evidence of its veracity before it can be placed on my credit report. The information in my credit report is wrong! It was never proven to be factual, so now I have decided that enough 's enough and will exercise my consumer rights. The following account allegations are either untrue, unverified and incorrect. Please remove them immediately or I will have no choice but to take legal action against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The accounts listed on my credit report was inaccurate when I reviewed it. The 3 credit bureaus must validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$55000.00}, XXXX XXXX Balance : {$19000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
Accordance with the fair credit reporting act XXXX account number has violated my rights 15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE

Complaint narrative:
Select Portfolio Services denied My legitimate Hardship request and will not provide a reason why I cant be put back on my original repayment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject to Subsection ( C ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I did not consent to XXXX XXXX to report any student loans to my credit report. I have no knowledge of these accounts and I demand the removal of these student loans reporting on my account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject to Subsection ( C ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I did not consent to fed loans to report any student loans to my credit report. I have no knowledge of these accounts and I demand the removal of these student loans reporting on my account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I made a payment in full to this company, and each time I do, they delay my credit for XXXX weeks after an ACH withdrawal. They have my money but I can not use my card for XXXX weeks, and they give no reason for it. This has happened several times. Here is their response. 

" I reviewed your account, but unfortunately, we are not able to expedite releasing your available credit at this time. You can plan on it being available on XX/XX/2023. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I amm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated 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 non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I submitted a letter to them but I never receive any response or notification on what happen on the investigation they were suppose to do regarding the accounts I mentioned on the letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I submitted a letter to them but I never receive any response or notification on what happen on the investigation they were suppose to do regarding the accounts I mentioned on the letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, 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 was getting approved for an auto loan and then I got hit with a bunch of hard inquiries including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Only on my Experian credit file, it shows I have a late payment for a XXXX  XXXX XXXX ending in XXXX that I have closed and I know I made a final payment before it closed. The late payment only shows on my Experian and not my XXXX or XXXX credit report. I do not believe this is fair because I have never had a 30 day late payment on any of my credit accounts. I have dispute the results with Experian and they have told me that the missed payment is correct even though it is not. After that I have called XXXX XXXX customer support and they have confirmed with me that a payment has been recieved. I was then informed to send a letter to XXXX XXXX which I have and received a letter stating that the missed payment is still accurate. I don't know what my options are now to get this removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
XXXX continues to keep fraudulent information on my consumer reports. I am a victim of identity thieves. They have open several accounts in my name. I have tried to dispute this information but I am told they cant dispute it. According to the FCRA they are required by law to verify every 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 explanation