vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
USDA XXXX XXXX XXXX XXXX XXXX mortgage was paid off XXXX of XXXX. Account number XXXX. USDA cashed the check in XXXX of XXXX for {$120000.00}. I never received signed payoff title. I worked with a title agency. 
For property located at : XXXX XXXX XXXX XXXXXXXX KY XXXX. 
Our XXXX XXXX. XXXX contact person is : XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX a check for over {$20000.00} and realtors were paid. The payoff was provided by the USDA. For the last 2 years and 10 months, I have contacted the company. The company continues to report to all 3 credit bureaus that a house payment has not been made since XXXX of XXXX, ruining my ability to buy another home for my family of XXXX. I am also unable to rent an apartment due to my credit score. My husband and XXXX young children have been " homeless '' for almost 3 years due to the company incompetency. In XXXX of XXXX, the company reported additional charges for " foreclosure '' fees over $ XXXX on all 3 credit bureaus. I have disputed with every credit bureau each time. It'll fall off my credit report then only to reappear again. 
I've spoken with XXXX, XXXX XXXX and XXXX in the foreclosure department, each informed me that this is their mistake, and the letter will be mailed, and everything will be ok. The USDA failed to apply the payment to my account due to XXXX and " working from home '' until XX/XX/XXXX. That is how they calculated the " foreclosure fees '' based on paid off in XXXX and hence the reason the company states it is their error and not a valid charge. I have spent countless hours on the phone only to be told, it's taken care of, and I never receive the letter. I can not get anyone that can help me on the phone and have to wait for call backs from the foreclosure department. I've asked to speak to manager only to be called and told, the manager on the phone can't send me the letter but " XXXX XXXX '' will call me and can email or mail me the title payoff letter. I have never received a call or letter from XXXX XXXX. Then the phone call process starts over again. I have reached out to a real estate attorney, and they confirm, there has never been a lien or foreclosure against my previous home XXXX XXXX XXXX XXXX, KY XXXX. I have contacted the USDA, FRCA, TransUnion, XXXX, XXXX, XXXX, and the state attorney general ( s ) for Kentucky and Missouri to no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: KY

Complaint narrative:
USDA rural housing development home loan mortgage was paid off XXXX of XXXX. Account number XXXX. USDA cashed the check in XXXXXXXX XXXX  XXXX for {$120000.00}. I never received signed payoff title. I worked with a title agency. 
For property located at : XXXX XXXX XXXX XXXXXXXX KY XXXX. 
Our File No. XXXX contact person is : XXXX XXXX XXXXXXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX a check for over {$20000.00} and realtors were paid. The payoff was provided by the USDA. For the last 2 years and 10 months, I have contacted the company. The company continues to report to all 3 credit bureaus that a house payment has not been made since XXXX of XXXX, ruining my ability to buy another home for my family of XXXX. I am also unable to rent an apartment due to my credit score. My husband and XXXX young children have been " homeless '' for almost 3 years due to the company incompetency. In XXXXXXXX XXXX XXXX, the company reported additional charges for " foreclosure '' fees over $ XXXX on all 3 credit bureaus. I have disputed with every credit bureau each time. It'll fall off my credit report then only to reappear again. 
I've spoken with XXXX, XXXX XXXX and XXXX in the foreclosure department, each informed me that this is their mistake, and the letter will be mailed, and everything will be ok. The USDA failed to apply the payment to my account due to XXXX and " working from home '' until XX/XX/XXXX. That is how they calculated the " foreclosure fees '' based on paid off in XXXX and hence the reason the company states it is their error and not a valid charge. I have spent countless hours on the phone only to be told, it's taken care of, and I never receive the letter. I can not get anyone that can help me on the phone and have to wait for call backs from the foreclosure department. I've asked to speak to manager only to be called and told, the manager on the phone can't send me the letter but " XXXX XXXX '' will call me and can email or mail me the title payoff letter. I have never received a call or letter from XXXX XXXX. Then the phone call process starts over again. I have reached out to a real estate attorney, and they confirm, there has never been a lien or foreclosure against my previous home XXXX XXXX XXXX XXXX, KY XXXX. I have contacted the USDA, FRCA, XXXX, XXXX, Equifax, XXXX, and the state attorney general ( s ) for Kentucky and Missouri to no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY SECOND REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: PRESTIGE FINANCIAL SERVICES INC
State: VA

Complaint narrative:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: FC HoldCo LLC
State: VA

Complaint narrative:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Charged me 2 fees that shouldnt be charged. 
1 - XX/XX/XXXX - which was on Saturday not a business day, followed by a holiday on XX/XX/XXXX - XXXXXXXX XXXX 2 - XX/XX/XXXX - which was on Saturday not a business day. 

I require the refund for both fees that were incorrectly charged. I have always paid all my bills on time and those charges were not correct at all. I do not accept the answer, first Capital One retained an amount of XXXX for almost ONE YEAR, I called them several times, spent hours on the phone, they sent the check just one month ago, after I exhausted calling them. The bank took one year to send my money and no penalties applied. Please explain that. 

Lastly, I called for the {$25.00} fee in XXXX and requested to be on automatic pay, the agent disconnected the call and never called back and I ended up being charged a late fee again!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: AL

Complaint narrative:
XX/XX/XXXX A dispute has bee filed with each Credit Agency. Equifax, XXXX and XXXX, XXXX XXXX XXXX. As well as my second complaint in the past 3 years with Consumer Financial Protection Bureau. I made submitted a dispute in XXXX and the account was removed from my reports and then a few months later placed back on my reports as well as my business credit reports. It has prevented me from obtaining funding for my business. Constantly accessing my credit without my consent. Reporting late payments currently on a closed account/ charge off that isn't mine. I was told by XXXX XXXX that the account was FRAUDULENT and they repossessed it that it would be removed from my credit report. I have requested bourdon of proof several times I was a victim of the of the Equifax data breach as well as XXXX. XXXX XXXX saw that I tried to obtain a credit card which I was denied due to inaccurate/ fraudulent. XXXX XXXXXXXX XXXX  XXXX. How did they get my current information? They offered me a credit offer for a XXXX XXXX on XX/XX/XXXX. I declined the offer due to my not opening the account at all. They have sold the account to other Collection Agencies then report as if its a new account. These are the dates : XX/XX/XXXX I contacted XXXX XXXX after it was on my credit report. I disputed them 9 or more times.XXXX, XX/XX/XXXX after it had been placed on my business credit report, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX until I wasn't allowed for a while until today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: AL

Complaint narrative:
XX/XX/XXXX A dispute has bee filed with each Credit Agency. XXXX, Experian and XXXX, Experian Business Credit. As well as my second complaint in the past 3 years with Consumer Financial Protection Bureau. I made submitted a dispute in XXXX and the account was removed from my reports and then a few months later placed back on my reports as well as my business credit reports. It has prevented me from obtaining funding for my business. Constantly accessing my credit without my consent. Reporting late payments currently on a closed account/ charge off that isn't mine. I was told by XXXX XXXX that the account was FRAUDULENT and they repossessed it that it would be removed from my credit report. I have requested bourdon of proof several times I was a victim of the of the XXXX XXXX breach as well as XXXX. XXXX XXXX saw that I tried to obtain a credit card which I was denied due to inaccurate/ fraudulent. XXXX XXXX XXXX  XXXX. How did they get my current information? They offered me a credit offer for a XXXX XXXX on XX/XX/XXXX. I declined the offer due to my not opening the account at all. They have sold the account to other Collection Agencies then report as if its a new account. These are the dates : XX/XX/XXXX I contacted XXXX XXXX after it was on my credit report. I disputed them 9 or more timesXXXX, XX/XX/XXXX after it had been placed on my business credit report, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX until I wasn't allowed for a while until today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: AZ

Complaint narrative:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXXXXXX 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 2023-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I requested proof of the alleged late status and I have not yet received any documentation. XXXX never sent documents in the mail, communicating the account status. I am requesting that the file be reviewed for accuracy and updated accordingly. The items reported and disputed were not validated by the credit reporting agencies nor XXXX. The late payments remain on my account with the credit bureaus and they have not been properly verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: VA

Complaint narrative:
I requested proof of the alleged late status and I have not yet received any documentation. XXXX never sent documents in the mail, communicating the account status. I am requesting that the file be reviewed for accuracy and updated accordingly. The items reported and disputed were not validated by the credit reporting agencies nor XXXX. The late payments remain on my account with the credit bureaus and they have not been properly verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: VA

Complaint narrative:
I requested proof of the alleged late status and I have not yet received any documentation. XXXX never sent documents in the mail, communicating the account status. I am requesting that the file be reviewed for accuracy and updated accordingly. The items reported and disputed were not validated by the credit reporting agencies nor XXXX. The late payments remain on my account with the credit bureaus and they have not been properly verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
NEW ACCOUNT MADE WITH MARCUS BY GOLDMAN SACHS TRANSFERRED XXXX FROM CITIBANK ACCOUNT WENT TO WITHDRAW XXXX TO PURCHASE NEW CAR, ACCOUNT LOCKED XX/XX/XXXX. 
CALLED TO UNLOCK IT, PHONE NUMBER WAS STILL SWITCHING OVER TO MY NAME SO AFFIDAVIT OF IDENTITY WAS REQUIRED TO VERIFY TO UNLOCK ACCOUNT. 
FIRST AFFIDAVIT WAS NOT SENT, RECEIVED SECOND ONE ON XX/XX/2023. RECEIVED BY COMPANY ON XX/XX/2023. 
MULTIPLE REPRESENTATIVES GIVEN INCORRECT INFORMATION EVERY TIME, FOLLOWED DIRECTIONS PROVIDED BY THEIR COMPANY REPRESENTATIVES. WAS TOLD TODAY AFTER TOLD MULTIPLE TIMES WHEN AFFIDAVIT WAS GOING TO BE VERIFIED IT WAS REJECTED AFTER FOLLOWING THEIR COMPANY 'S DIRECTIONS. 
I SPECIFICALLY ASKED IF I SHOULD BUT MY ADDRESS ON MY DRIVERS LICENSE, WAS TOLD THAT IT WAS REJECTED DUE TO MISMATCHING ADDRESSES? NO FURTHER CLARIFICATION. A REPRESENTATIVE SPECIFICALLY TOLD ME TO DO THIS AND NOW IT WAS REJECTED. 
WHEN ASKED IF MONEY CAN BE SENT BACK TO ACCOUNT GIVEN NO ANSWER AND UNABLE TO SPEAK TO ANY MANAGEMENT REGARDING ISSUE X1 HOUR. 
XXXX USD CURRENTLY LOCKED OUT OF ACCOUNT SINCE XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: GFS II, LLC
State: VA

Complaint narrative:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GFS II LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

Company response to consumer: Closed with explanation