vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-03 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: FL

Complaint narrative:
This is a closed acct with a XXXX $ balance you cant collect on a XXXX balance also this account has been sold or transferred ... Iam also a resident of Florida per Florida statue of limitations you can not collect on a debt over 4 yrs old!!!! Please delete off my Equifax and XXXX credit report!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: NV

Complaint narrative:
I have multiple dispute issues with XXXX, XXXX and TransUnion that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX XXXX TRANSUNION XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer.

Here is my dispute to XXXX, XXXX  and TransUnion ( below ). Due to the fact that these accounts are reporting inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX XXXX TRANSUNION XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX You need to delete this account because its reporting so inaccurately, that I have no clue how its still on here. You didnt verify, correct or delete it, the issues are still there and you need to delete this immediately. 
Limit : XXXX $ XXXX/XXXX and TransUnion {$0.00} Past due : XXXX and XXXX $ XXXX/TransUnion {$65000.00} XXXX shows that I paid on time for XX/XX/XXXX an yet you show that I was late! How can that be? 
You are also still reporting late payments that make no sense! You state that I was late in XXXX of XXXX, and XX/XX/XXXXand XXXX or XX/XX/XXXXwhile XXXX clearly shows that I paid on time. Delete this account at once! 

XXXX XXXX XXXX You need to delete this account because its reporting so inaccurately, that I have no clue how its still on here. You didnt verify, correct or delete it, the issues are still there and you need to delete this immediately. 
Limit : XXXX $ XXXX/TransUnion and XXXX {$0.00} Any correspondence received to and from you will be made available to my attorney as well.

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 2018-01-03 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: NV

Complaint narrative:
I have multiple dispute issues with Experian, XXXX and XXXX that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX XXXX XXXX XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer.

Here is my dispute to Experian, XXXX and XXXX ( below ). Due to the fact that these accounts are reporting inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX v XXXX XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX Status makes no sense, delete this immediately : Experian and XXXX : closed/XXXX : open All 3 bureaus should be reporting the same information. What also doesnt make sense is that Experian and XXXX report a monthly payment of {$0.00} while XXXX  reports {$1000.00}! 

XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : Experian $ XXXX/XXXX $ XXXX/XXXX {$19000.00} XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : Experian $ XXXX/XXXX $ XXXX/XXXX {$68000.00} Past due : Experian and XXXX $ XXXX/XXXX {$0.00} Any correspondence received to and from you will be made available to my attorney as well.

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 2018-01-03 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: NV

Complaint narrative:
I have multiple dispute issues with XXXX, XXXX  and TransUnion that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX XXXX XXXX XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to XXXX, XXXX and TransUnion ( below ). Due to the fact that these accounts are reporting inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX v XXXX  XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX Status makes no sense, delete this immediately : XXXX and XXXX : closed/TransUnion : open All 3 bureaus should be reporting the same information. What also doesnt make sense is that XXXX and XXXX report a monthly payment of {$0.00} while TransUnion reports {$1000.00}! 

XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : XXXX $ XXXX/XXXX $ XXXX/TransUnion {$19000.00} XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : XXXX $ XXXX/XXXX $ XXXX/TransUnion {$68000.00} Past due : XXXX  and TransUnion $ XXXX/XXXX {$0.00} Any correspondence received to and from you will be made available to my attorney as well.

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 2018-01-03 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: NV

Complaint narrative:
I have multiple dispute issues with Experian, XXXX and XXXX  that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V XXXX XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to Experian, XXXX and XXXX ( below ). Due to the fact that these accounts are reporting inaccurate and have not been  verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX v XXXX XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX XXXX I do not owe a balance of {$5800.00}. In addition, you are reporting that I did not pay on time for XX/XX/2017 while XXXX  shows that I paid on time!. Delete immediately! 

XXXX XXXX XXXX Theres absolutely no information on this account. Wheres the terms, type, high balance, limit, payment status, payment status details? You do not have any of that listed. How can the high balance be {$0.00}? Please delete at once. 

XXXX XXXX XXXX How are you still reporting the wrong balance? This doesnt make any sense at all! You did not at any time correct or delete this account, which you must now do based off the fact that you are not reporting this per the FCRA : Monthly payment : Experian and XXXX $ XXXX/XXXX {$150.00} Status : Experian : 30 days late/XXXX ; : 60 days late/XXXX : paid as agreed Youre screwing with my numbers and none of this is valid. Delete immediately. 

Any correspondence received to and from you will be made available to my attorney as well.

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 2018-01-03 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: NY

Complaint narrative:
My name is XXXX XXXX my social security number XXXX XXXX year of birth. Equifax confirmation number XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by XXXX. My complaint is that on my credit report their any account that not mine that creditor is XXXX XXXX XXXX XXXX that account number is XXXX XXXX XXXX XXXX is a fraud account that. Should of been remove off my credit file and it 's still showing please talk to Equifax consumer affair dept to have that fraud account remove, and also I told them that I had hard fraud inqiluires on my credit file there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries and XXXX and Equifax XXXX inquires and XXXX XXXX all these are fraud and they also refuse to remove them .please talk to Equifax thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: NV

Complaint narrative:
I have multiple dispute issues with XXXX, XXXX and TransUnion that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V TRANSUNION XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to XXXX, XXXX and TransUnion ( below ). Due to the fact that these accounts are reporting inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX v TRANSUNION XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX XXXX I do not owe a balance of {$5800.00}. In addition, you are reporting that I did not pay on time for XX/XX/XXXX while XXXX shows that I paid on time!. Delete immediately! 

XXXX XXXX XXXX Theres absolutely no information on this account. Wheres the terms, type, high balance, limit, payment status, payment status details? You do not have any of that listed. How can the high balance be {$0.00}? Please delete at once. 

XXXX XXXX XXXX How are you still reporting the wrong balance? This doesnt make any sense at all! You did not at any time correct or delete this account, which you must now do based off the fact that you are not reporting this per the FCRA : Monthly payment : XXXX and XXXX $ XXXX/TransUnion {$150.00} Status : XXXX : 30 days late/XXXX ; : 60 days late/TransUnion : paid as agreed Youre screwing with my numbers and none of this is valid. Delete immediately. 

Any correspondence received to and from you will be made available to my attorney as well.

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 2018-01-03 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: NV

Complaint narrative:
I have multiple dispute issues with XXXX, Equifax and XXXX that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V XXXX XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit  bureaus - NOT the consumer. 

Here is my dispute to XXXX, Equifax and XXXX ( below ). Due to the fact that these accounts are reporting  inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX v XXXX XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX XXXX I do not owe a balance of {$5800.00}. In addition, you are reporting that I did not pay on time for XX/XX/XXXX while Equifax shows that I paid on time!. Delete immediately! 

XXXX XXXX XXXX Theres absolutely no information on this account. Wheres the terms, type, high balance, limit, payment status, payment status details? You do not have any of that listed. How can the high balance be {$0.00}? Please delete at once. 

XXXX XXXX XXXX How are you still reporting the wrong balance? This doesnt make any sense at all! You did not at any time correct or delete this account, which you must now do based off the fact that you are not reporting this per the FCRA : Monthly payment : XXXX and Equifax $ XXXX/XXXX {$150.00} Status : XXXX : 30 days late/Equifax ; : 60 days late/XXXX : paid as agreed Youre screwing with my numbers and none of this is valid. Delete immediately. 

Any correspondence received to and from you will be made available to my attorney as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: FL

Complaint narrative:
Acct has XXXX $ balance please delete from my Equifax and XXXX credit reports! You cant collect from a {$0.00} balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NVR INC.
State: MD

Complaint narrative:
I purchased a new construction with XXXX XXXX in XXXX, MD and used XXXX XXXX in-house lender, NVR Mortgage, as my mortgage lender. However, due my loan officer and NVR Mortgages negligence, they failed to provide me with the information that I needed to properly submit an application for the Maryland HomeCredit Program, which offers eligible first-time home buyers an annual tax credit of {$2000.00} for the life of the loan. I first inquired with my loan officer during our initial meeting on XXXX XXXX, 2017 and had submitted several follow-up inquiries regarding the application process for the Maryland HomeCredit Program to her over the course of the 5-months that my home was under construction. Despite the 8 e-mail and phone inquiries during this period, my loan officer only responded to me once and told me that the application would be provided to me at settlement, which would still be sufficient time. However, I was not provided with an application at closing, and it would be another 3 weeks after settlement that my loan officer would share an application for the XXXX XXXX XXXX which was not the Program that I had been seeking. When I finally received the Homestead exemption application, I immediately notified NVR Mortgage of the problem. They researched the issue for several weeks and was found that I would no longer qualify for the Maryland HomeCredit Program because the application needed to be submitted by the lender prior to closing. So it was too late. As a result, I suffered a potential loss of {$51000.00} in tax credits over the course of my 30-year mortgage. 

While NVR Mortgage has acknowledged that they were fully at fault for not responding to my inquiries in a timely fashion before closing, they had determined that, despite the fact that my loan officer had recommended that I put down a smaller down payment than what I could have offered and for which, I could have adjusted if I was provided with the correct information before closing. As a result, my loan exceeded the eligibility criteria for the Program, and NVR Mortgage 's corporate office does not feel that they need to take any action or responsibility for this negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Opened core checking account on XX/XX/XXXX with an offer for {$300.00} new account bonus. The requirements to receive this bonus was to have direct deposits totaling {$4000.00} within 90 days of account opening. This requirement was met on XX/XX/XXXX, with direct deposits from my employer. The terms for the bank was to credit the bonus within 60 days of meeting the requirements. It is approaching 120 days and this bonus has not been credited.

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 monetary relief
Consumer complaint received 2018-01-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Acct has XXXX $ balance please delete from my XXXX and Experian credit reports! You cant collect from a {$0.00} balance

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