vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XXXX XXXX, 2023, XXXX was taken from my USAA XXXX Checking account and placed into a CD to fund the credit limit for a secured credit card. USAA took a week to order a card and the card was finally received regular mail and not expedited on XX/XX/2023. Since receiving the card it was activated yet I have no usage of my available credit limit which is my money taken from my checking account due to usaa declining and blocking every transaction for no reason per USAA. USAA has not offered any real time resolution for me to have access to my cash. I had to be embarrassed in XXXX and XXXX when my card declined with available credit but USAA offered no assistance other than allegedly not knowing why the card is declining when there is available credit. I have been lied to repeatedly and it is beyond not acceptable having my money taken and not having access to it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company
State: VA

Complaint narrative:
On XXXX XXXX XXXX Guild Mortgage posted an advertisement listing loan terms ( specifically down payment and loan to value ) without any additional terms, or any APR.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: WI

Complaint narrative:
I AM A VICTIM OF IDENITY THEFT, AND I DID NOT AUTHORIZE THOSE CHARGES 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 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 2023-03-08 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I AM A VICTIM OF IDENITY THEFT, AND I DID NOT AUTHORIZE THOSE CHARGES 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 2023-03-08 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: TX

Complaint narrative:
There are inaccurate charged off accounts on my credit reports that I have been disputing for some time. Each bureau is reporting completely different information concerning the accounts with XXXX and XXXX XXXX. 

XXXX is reporting different last active dates and open date. 

XXXX XXXX is reporting different account numbers, last active dates and open dates. 

If all bureaus get their information from the same place, how is it that they are all verifying different account information? They are in clear violation the law and my rights as a consumer and I am requesting that these accounts be deleted from my credit report and all documents concerning this debt be sent over to my mailing address.

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 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
The credit card company refused to increase credit limit by {$300.00}. Was told there would be an automatic increase for on-time payments.

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 2023-03-08 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX, Account # : 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 an 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 by more than seven 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 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 2023-03-08 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX, Account # : 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 an 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 by more than seven 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 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 2023-03-08 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: TX

Complaint narrative:
There are inaccurate charged off accounts on my credit reports that I have been disputing for some time. Each bureau is reporting completely different information concerning the accounts with XXXX and XXXX XXXX. 

XXXX is reporting different last active dates and open date. 

XXXX XXXX is reporting different account numbers, last active dates and open dates. 

If all bureaus get their information from the same place, how is it that they are all verifying different account information? They are in clear violation the law and my rights as a consumer and I am requesting that these accounts be deleted from my credit report and all documents concerning this debt be sent over to my mailing address.

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 2023-03-08 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: TX

Complaint narrative:
There are inaccurate charged off accounts on my credit reports that I have been disputing for some time. Each bureau is reporting completely different information concerning the accounts with XXXX and XXXX XXXX. 

XXXX is reporting different last active dates and open date. 

XXXX XXXX is reporting different account numbers, last active dates and open dates. 

If all bureaus get their information from the same place, how is it that they are all verifying different account information? They are in clear violation the law and my rights as a consumer and I am requesting that these accounts be deleted from my credit report and all documents concerning this debt be sent over to my mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank
State: MD

Complaint narrative:
in accordance with the fair credit reporting act this creditor has violated my rights under 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 account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681 : 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 15 USC 1681 section 604 section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 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 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 2023-03-08 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681 : 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 15 USC 1681 section 604 section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 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 2023-03-08 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2023-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M/I Homes, Inc.
State: TX

Complaint narrative:
My fiance and I initiated an offer to buy a home from MI Homes in XX/XX/XXXX. At this time we were told that the construction would be completed later in the year and that there were not options for rate locks at that time. We received infrequent construction updates and in XX/XX/XXXX, we inquired about a rate lock with MI Financial, the in-house financing arm for MI Homes . We received confirmation of different rate lock options ( attachment 1 ) and the individual at MI Homes assured us that both options ( 120 or 180 day ) would take us through our closing date based on the conversation that MI Homes had with MI Financial. I went through the process on XX/XX/XXXX for a change in circumstance notice ( attachment 2 ) and paid {$5700.00} for the rate lock at that time. In XXXX, I reach out to MI Homes about an update on the construction timeline, and they inform me that construction would take us through mid XX/XX/XXXX ( attachment XXXX ). This materially change our timeline expectation based on our previous discussion with MI Financial that assured us a 120 day rate lock would be sufficient. After some back and forth, a VP at MI Homes reaches out and explains ( attachment 4 ) that mistakes were made in MI 's process and says " Lastly, if you determine none of the above will work, we will certainly return your deposits and terminate the transaction. This is not the outcome we want but understand your position if that is what you determine is best for you and XXXX. '' We ended up terminating the transaction and MI Homes refunded our deposits back to us. The MI Financial branch manager was CC 'd on this email and as part of the phone discussion, I was assured that all of the deposits in this case to be refunded included the {$5700.00} for the incorrect rate lock. I have sent continuing correspondence to get this money returned to me, but have not received any contact from MI Financial and now I am turning to the CFPB since I feel I am entitled to my own money back and that the original rate lock was made on deceptive and false pretenses about assurances of the rate lock time period being appropriate to cover the construction when MI Homes later came back and stated unequivocally that that time was never the official estimate of the construction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Today, I.C. System, Inc. placed an erroneous {$86.00} XXXX XXXX cable bill as in collections on my credit report. I spoke with supervisor XXXX today. I explained this is a mistake because I always paid XXXX on time every month via enrollment in auto-pay. And, I never received notice of any issue. I cancelled service in XXXX, XXXX at my XXXX, OH condo. When the condo was sold in XXXX, XXXX, the title agent and buyer 's representatives confirmed all utilities and bills for service of any kind at the condo were paid in full at time of closing. XXXX said she would " make a notation '' of my dispute. Otherwise, I.C. System will not initiate any formal internal investigation or do anything to ensure compliance with the Fair Credit Reporting Act, Fair Debt Collection Practices Act or the Ohio Consumer Sales Practices Act. XXXX also refused my request to go up the chain of command and have a person with authority to act call me. XXXX also said that per her review of my account, I.C. System never mailed anything to me at my current physical address in XXXX, OH via ordinary, certified, priority or first class mail. I advised that as a commercial litigation attorney, I may file a lawsuit in Federal Court in XXXX, OH as this matter will adversely affect my current plans to apply for mortgage pre-approval.

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 2023-03-08 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: NJ

Complaint narrative:
Experian is showing an account on my consumer report that is a result of alleged identity theft. I did not benefit from the transactions. I have sent Experian written correspondence which included my proof of identity, an identity report, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice. Also, I have sent a copy from the small claims court in NJ that the account does not belong to me.

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 2023-03-08 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: MA

Complaint narrative:
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2023-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XXXX  XXXX, 2022 I received a fraudulent iquiry on my credit report from XXXX XXXX and XXXX. I believe someone tried to use my personal social security number to acquire a XXXX  Credit card. I have called XXXX XXXX  and spoke to someone and requested a deletion or removal letter to be sent to XXXX credit bureau. This was took place going on over 3 months now and I have yet to receive a deletion letter nor do I see it removed from my hard inquiry. I did not authorize this transaction and I would like this is be removed as soon as possible. Thank you so much!

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 2023-03-08 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2023-03-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

Company response to consumer: Closed with explanation