vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: KY

Complaint narrative:
I had a loan with United Wholesale Mortgage on an investment property. The property taxes were due in XX/XX/XXXX, and our loan was sold and transferred to a new servicer in XX/XX/XXXX. At the beginning of XX/XX/XXXX, I received a delinquent property tax bill from the county stating the XXXX taxes were never paid. I have contacted UWM several times to try and work out the issue and determine if it was a mistake on their end or on the county 's end. Each time, I am told I can not speak to anyone directly, but that a work order was be placed and I will be emailed the necessary documentation within 3-5 business days the first 2 times I called, and then 10 business days the last time I called them today, XX/XX/XXXX. I have never received a response or email or any kind of documentation from them following the placement of the work order. The county continues to charge monthly interest on the delinquent property taxes, which has grown from originally over {$1900.00} due to over {$3500.00} due. 1 % penalty will be added the first of every month by the county, and there is a lien now placed on the property as well. I also mailed the delinquent property tax notice to their tax department several weeks ago and have not received a response. I need someone at UWM to rectify this situation immediately, by either paying the outstanding property taxes ASAP or providing me the necessary documentation showing the check number or wire confirmation for the property tax payment. The property is now for sale and this may delay our closing scheduled for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I have 2 saving accounts with Marcus by Goldman Sachs. I called Marcus on XX/XX/2022 to close the accounts and receive the funds via check. Total fund {$200000.00}. On XX/XX/2022 I called Marcus trying to find out why I still have not receive the check yet. The operator told me that the check was sent to XXXX instead of my home address in XXXX Arizona based on the the bank tracking number. I told them I need fund by XX/XX/2022 because I have a meeting with my banker in XXXX Bank on XX/XX/2022. After two conversation with a supervisor named XXXX, I was told by her that I can get my fund wire transferred after my Chase bank meeting on XX/XX/2022. A half hour later a person name XXXX called me again told me that they can not wire me the fund. I have sign a lost check form and mail back to them before I can receive the fund. XXXX told me that she will overnight mail me the form so I can return signed lost check form back to Marcus in a enclosed envelope. As of XXXX pm XX/XX/2022 I have not received the package for the form so I called Marcus again. The customer service manager told me that the form in the package was not sent overnight. On XX/XX/2022 I finally received lost check form. The information in the package sent to me was not complete and I have to call Marcus to obtain the information ( check #, check date and check amount ) need to complete the form. Finally I completed form in XXXX Bank branch with my personal banker by my side. I stopped by XXXX and sent the package back to Marcus. I called Marcus again after I dropped the form in XXXX and spoke to a Marcus supervisor XXXX and he told me on the phone that notes on my account stated that Marcus will wire the fund once they received the form. However when I called Marcus again on XX/XX/2022 as the XXXX tracking showed that Marcus has received my lost check form. The supervisor XXXX on the phone told me that Marcus will mail me another check. I asked her why I again receive another message that is different that XXXX told me on XX/XX/2022. XXXX told me to hold so she can ask for upper management. After over 30 min waiting and discuss, I finally received another information - I was told by XXXX that once the lost check form is processed ( 3-5 business days ), I will get a call from Marcus to let me know I can request close the account again as Marcus will reopen my old saving accounts. then I can get money wired or transferred to my XXXX account. 
How can I believe I am doing business with a real FDIC insured bank if every time I make a call to speak to customer rep or supervisor I get a different answer? Marcus should not be in banking business!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: UPGRADE, INC.
State: MN

Complaint narrative:
Today ( XX/XX/2022 ) I applied for an Upgrade XXXX Credit Card from XXXX site. I was taken to Upgrade.com to complete the information for the credit card. After reviewing the information, I was not sure if this was a loan or a line of credit. I called at XXXX XXXX  XXXX to try to get more information on the terms and conditions. After reading the terms and conditions, I clicked the button to approve the application, however, Upgrade requires further information such as Tax Information and Bank Statements. This information is not readily available to the consumer before making an informed decision. 

Furthermore, I discovered the entire adversement on the XXXX website is false advertising, misleading and time-consuming. This is not a XXXX Credit Card and they do not report to XXXX XXXX XXXX or any of the major XXXX XXXX companies. The representative agreed Upgrade Credit Card is not a business credit card nor reports to business reporting agencies. She will submit to Product Escalation to look into XXXX site. I was advised that this information provided on their site is incorrect, will get escalated, and my application will be rectified. There is no known processing time for this request per the representative. The representative disconnected the line without providing adequate information for what to do next. After a 52 minute and 4 sec call, they never called back!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 I also have some inquiries on my credit report that I didn't authorized. 

Equifax Inquiries : XXXX XXXX XXXX  XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One is reporting still on an account from more than 7 years ago. I need this account removed from my credit report it is negatively effecting my score. I was told this account would come off my report after paying settlement amount which I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CarMax, Inc.
State: IA

Complaint narrative:
Sent in copy of carmax reporting thats resulting in an inaccurate report on my credit report. Carmax acknowledge the error but still wont remove the negative reporting. and also n accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: NC

Complaint narrative:
Unauthorized inquiries on my report from identity theft XXXX XXXX  XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXXXXXX 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 2022-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
I have made numerous contacts with Credit Bureau Systems ( CBS ) regarding inaccurate medical debt being reported on my credit profile. The account balance was the financial responsibility of my secondary insurance company, XXXX XXXX XXXX. 
The client of CBS, XXXX XXXX XXXX, had all Coordination of Benefits information at the time of the service and billed numerous other visits to both insurance providers in the same time period. CBS states they will not contact their client for proof of timely filing and claim submission. When disputed, they report this information as verified and accurate to XXXX because " their client says that is the balance due ''. I have made numerous attempts to coordinate communication between CBS and the responsible secondary insurance provider. 
The provider agreement between XXXX and XXXX XXXX XXXX " The Provider also acknowledges and agrees that at no time shall Enrollees be responsible for any payments to the Provider with the exception of Enrollee expenses and/or non-covered services '' The balance is either the responsibility of XXXX XXXX for failing to meet timely filing guidelines, or of XXXX XXXX XXXX if the claim was filed but payment was not made. 
Failure of Credit Bureau Systems and XXXX to conduct a thorough investigation into this matter, and to continue reporting inaccurate information is an infringement of rights under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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:
In Accordance With The Fair Credit Reporting Act XXXX  Account # XXXX 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 explanation
Consumer complaint received 2022-06-07 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:
In Accordance With The Fair Credit Reporting Act XXXX Account # XXXX 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 2022-06-07 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:
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. 

XXXX XXXX XXXX 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 a 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 2022-06-07 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:
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. 

XXXX XXXX XXXX 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 a 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Name : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 instruction.

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 2022-06-07 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: NJ

Complaint narrative:
Ive sent letters off and receipt confirmation on XX/XX/2022 From Equifax. Here is my United State Postal article # XXXX and received confirmation from XXXX XXXX, confirming Equifax did receive copy of my Driver 's license, utility bill, valid documents that shows your name, current address and letter requesting that according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information They did NOT do this!! 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report The Credit Bureau stated my account was properly investigated but how is that possible of the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for removal. 
They also violated the law because to 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 AND I did not give anyone written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I received a letter via mail regarding a debt collection for a XXXX account in the amount of {$1200.00}. I have not personally opened this account nor was I aware this account was opened under my name until receiving the letter from the collection agency. After confirming this debt to be true by finding it on my credit report on all 3 credit bureaus, I filed a police report at my local police department on XX/XX/22. That same day ( XX/XX/22 ) I submitted a fraud claim with XXXX and uploaded the supporting documentation needed. The claim is currently still being processed by the XXXX Fraud Prevention Team.

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 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX is reporting still on an account from more than 7 years ago. I need this account removed from my credit report it is negatively effecting my score. I was told this account would come off my report after paying settlement amount which I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX is reporting still on an account from more than 7 years ago. I need this account removed from my credit report it is negatively effecting my score. I was told this account would come off my report after paying settlement amount which I paid.

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 2022-06-07 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: FL

Complaint narrative:
XXXX XXXX, {$270.00}, XXXX XXXX  XXXX XXXX  Representative stated to me that they will remove this fraudulent account because of false information.I have no Knowledge of this fraudulent account.

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 2022-06-07 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: NC

Complaint narrative:
Unauthorized inquiries on my report from identity theft EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX  XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: NC

Complaint narrative:
Unauthorized inquiries on my report from 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

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 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX, {$620.00} Representative stated to me that they will remove this incorrect balance because of hardship due to Covid 19. Rep also stated that they will remove missed payments as agreed to a payment plan

Company response to consumer: Closed with explanation