vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M/I Homes, Inc.
State: TX

Complaint narrative:
I have not yet received anything on how to pay my first mortgage payment. We closed on XX/XX/23 and we have received nothing in the mail from M/I Financial. The first payment will be due at the end of the month. I can find nothing online on how to create and account and pay.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Due to covid I was unable to work so I couldn't make my payment. One day I went out side and my car is gone so I figured they came and repossed it. On my credit report it shows that it is closed but they are telling me that the car hasn't been repossed and I still owe XXXX dollars.b

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX Wells Fargo sold my house while in negotiations of modifications of mortgage loan.

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 2023-03-13 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 never gave Trans union XXXX, XXXX, authorization to obtain or distribute any of my information, there for this is fraudulent there are not part off the government and have cost me opportunities for a better life job.If I never gave you constent how can these companies distribute information about me that is not fact checked, and put closed accounts on the report with updated monies owed, and lying about researching the issues.either my they stop reporting and remedy the situation and pay me for pain an damages, or I will be forced to file a lawsuit against everyone of these companies.

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 2023-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I paid off my auto loan. I called the lender for the payoff amount. I sent a certified check for the payoff amount. I called the lender and asked had it been applied, it had not. I asked would I be penalized if applied late, they said no. The last payment ( the payoff amount ) was the only payment ever marked late. I do not want to be penalized for this. I was paying off the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. the list of Accounts below has violated my Federally protected consumer rights to Privacy Confidentiality Under 15 USC 1681 Account Name : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: GA

Complaint narrative:
Dear Equifax, XXXX and XXXX. 

XXXX account # XXXX According to the FCRA 15USC 1681B Permissible purpose- The XXXX ChargeOff account is inaccurate and is in violation of my rights and defamation of my character. 

On XXXX XXXX I mailed out letter for verification of the negative XXXX Item that is being placed on my credit report. ( see attachment letter ) I mailed it certified ( see attached receipt ) using the address on my credit report. XXXX NEVER responded to my letter within or pass the 30 day mark. They also never updated my account with them after receiving the my written letter. The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and creditors that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. 

This account was not validated and because of that I DEMAND that this inaccurate account be removed off my credit file ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: GA

Complaint narrative:
Dear XXXX, XXXX and Experian. 

XXXX account # XXXX According to the FCRA 15USC 1681B Permissible purpose- The XXXX ChargeOff account is inaccurate and is in violation of my rights and defamation of my character. 

On XXXX XXXX I mailed out letter for verification of the negative XXXX Item that is being placed on my credit report. ( see attachment letter ) I mailed it certified ( see attached receipt ) using the address on my credit report. XXXX NEVER responded to my letter within or pass the 30 day mark. They also never updated my account with them after receiving the my written letter. The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and creditors that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. 

This account was not validated and because of that I DEMAND that this inaccurate account be removed off my credit file ASAP!

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 2023-03-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-13 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 identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX : XXXX ( XXXX Beneficiary ) All right reserved without prejudice Enclosures : Identity Theft Report Fair Credit Reporting Act Section 605B [ PDF ]

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 2023-03-13 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: NY

Complaint narrative:
Credit reporting agencies. XXXX XXXX XXXX XXXX  Charge Off of {$4400.00}. This should never have been on my reports. Id like this removed. When I purchased XXXX XXXXXXXX from XXXX XXXX XXXX I had issues. Within 7 days I took the car back to the dealership and was told I couldnt return the car. The manager actually argued with me, and was very rude. I took it back four times for an oil leak, and was told each time they fixed it. Finally, I contacted XXXX XXXX XXXX XXXX to complain and they did nothing. I contacted the XXXX XXXX XXXX put in a complaint and also the lemon Law. In the end I turned the car over to the bank. Because Im a woman, I felt I was taken advantage of.

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 2023-03-13 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: LA

Complaint narrative:
I am XXXX XXXX XXXX, bad health and no longer able to work and take care of obligations. I spoke with XXXX and the said that they would put me in a plan that would help my situation. They are reporting to all the bureaus and it hurts because Im not able to do whats needed to eliminate this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have made several attempts with TransUnion to add a statement to my credit report with no success!. I either get locked out in the middle of typing my statement, or I get notifications that I am adding in unallowed characters, or I am told after I actually get to hit the submit button for the statement that their site is temporarily unavailable. At one point after attempting to log in it took TransUnion seven ( 7 ) hours to send me am Authorization Code that is valid for only 20 minutes. And it went through the steps of trying to get this code several times. 

It seems that TransUnion is intentionally stopping me from entering my consumer statement. I don't know if they work together with the collection agency, but it really feels so in this case!!! This is a dispute that is fairly new and not my debt, and I would like to address this as soon as possible, but TransUnion is not allowing me to. 

This debt is my son 's. I signed a lease along with him. The lease expired XX/XX/2022. I never lived in the apartment. At lease expiration my son continued in the apartment month to month and any charges after XX/XX/2022 I am not responsible for. 

Would you please help me to enter my consumer statement onto the reporting bureau 's website.

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 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I left my card at the ATM or someone stole it. They went on a shopping / spending spree without the card company flagging for suspicious activity like they should. I did everything on my end such as freeze card, got replacement. I filed a police report I filled out the declaration of fraud paper and uploaded all to their site. They denied my claim due to ATM pin was used for ATM withdrawals. I don't agree however I never gave my pin out and the ATM is. Very open anyone could have been watching. However ; although I don't agree with their decision I guess it was negligence on my part to looses or leave card in the first place. But the on-line purchases which equal {$550.00} I can not understand reasoning behind the card company not crediting my account for. This was theft or fraud whichever it was not authorized by me. The card is the American express serve card which I had my federal income tax refund deposited on. I can not believe American express backs this unprofessional company. After not getting through to customer service for hours the getting hung up on or transferred to a representative that tells me she doesn't know and I'm unable to speak with someone in charge. I have requested all documentation from their investigation and they refuse to give that info to me. All I know is I got my refund of {$5000.00} and some odd dollars deposited to this card and I withdrew XXXX and never seen this card again and have no funds available to me. I am sickened by they way I have been treated and am desperately seeking help in this matter. I have filed a police report for theft but that is all I can do. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TN

Complaint narrative:
On XX/XX/XXXX, someone placed a charge on my discover card of {$430.00} at XXXX XXXX XXXX, Fl. I did not authorize. that charge, I was not in Fl nor make a purchase amount of on this card.. I was in XXXX I only purchased gas no shopping. I asked Discover to investigate & remove. I searched XXXX tried calling the number using that address and got no response it showed a auto company. i know my car has not been in a shop. I am having to pay for charge NOT make by me. I have appealed Discover decision stating this is a vaild charge. They are incorrect its not me. 

case # XXXX merchant XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13 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:
Inaccurate balance showing in credit report. Last credit card statement end balance was {$0.00} which statement ended the end of XXXX. I'm attaching the last statement for your review.

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 2023-03-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Inaccurate balance showing in credit report. Last credit card statement end balance was {$0.00} which statement ended the end of XXXX. I'm attaching the last statement for your review.

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 2023-03-13 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: IN

Complaint narrative:
I notified both XXXX and Experian of an account that arose from identity theft. I sent an affidavit via US mail certified. I included all documents that are required to report identity theft to consumer reporting agencies, including identification along side, Social Security card, which is needed to legalize an affidavit document. In response, neither consumer reporting agency followed, correct protocol outlined in the federal credit reporting act by blocking such information within four business days yet both companies have sent me a response, one electronically and one via mail stating they dont believe the documents sent In were made by me. Well thats impossible? The documents were notarized. This is blatantly knowingly and willfully, stalling my request and to continue to report this record that stemmed from identity theft. Most likely their response stems from the fact I identified the companies who committed identity theft against me, which is XXXX XXXX, Experian, and XXXX. XXXX has since deleted such account. I have attached many documents associated that have been sent out in regards to the complaint.

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 2023-03-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 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 has violated my rights. Or a list of Inquiries : 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 or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: FIRST NATIONAL BANK OF OMAHA
State: MD

Complaint narrative:
To Whom It May Concern : I am writing today to request the XXXX XXXX Guess Rewards Points sign-up bonus, after having made {$1000.00} in purchases. 

Despite being approved for my card in XX/XX/XXXX, I did not receive my card until XXXX XXXX days after the first 3 billing cycle window for the sign-up bonus. 

My card had been intercepted/stolen in the mail and despite reporting this to FNBO on XX/XX/XXXX, I did not receive a replacement card until XX/XX/XXXX, see attached. This even after having made multiple calls and getting different answers as to when or even if the replacement card had been mailed out. 

I do not feel that my sign-up bonus should be denied because it took FNBO over a month to send a replacement card.

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 2023-03-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XXXX I sent letters to XXXX, XXXX and Transunion expressing my concern regarding me not providing permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that reporting of this information be blocked and deleted. My request to block is NOT being made in error ; NOR is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.

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