vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-05 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: MS

Complaint narrative:
I have sent multiple disputes in with Equifax in regards to their company simply listing a number as the account holder and not providing any details or information in regards to who the alleged owner is of the debt in question or anything. The entire role of the credit reporting agencies is to provide accurate and fair information for consumers and their reports. Equifax has failed to assist me in finding out who these individuals are who claim to own these debts in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Self Financial Inc.
State: CA

Complaint narrative:
I started a " XXXX, XXXX '' account online. It was meant to improve my credit. While I was on automatic payment and received a weekly paycheck everything was fine. I had in fact forgotten about the account. They never sent statements and their emails would go to my junk mail. 

On or about the XXXX day of XXXX I applied for a mortgage and my XXXX XXXX was around the XXXX range. XXXX then reported the payment for XXXX late and it resulted in a XXXX point decrease in my XXXX XXXX. I requested that as a courtesy they remove the late payment as the first time I saw the late was when it was reported. 

XXXX indicated that they do not send paper statements they only communicate by way of an email. Because I was dealing with my father 's death, I did not even get the emails or remember to look for them. They refuse to reverse the late payment and I am devastated as now I can not move my family into a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have XXXX inquiries on my XXXX credit report that are inaccurate. XXXX is listed as " Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX '' and the other is listed as " Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX. '' I did not authorize these inquiries and I have no accounts or lines of credit with this entity. This is likely fraudulent, or it must be an error of some type. I disputed both of these inquires with XXXX on the afternoon of XX/XX/XXXX, and my dispute was listed as " resolved '' as of XXXX AM on XX/XX/XXXX. Both disputes were denied with minimal explanation from XXXX. Based on the speed of the denial and the lack of transparency, it is clear to me that this dispute was not properly investigated by XXXX. This is ridiculous and disappointing that I have XXXX potentially fraudulent inquiries on my report and I have essentially been told " oh well, that is your problem '' by XXXX. There needs to be greater accountability on the credit bureaus to ensure that their information is accurate since it has such a huge impact on the financial health of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I received your correspondence on this alleged account stating your ( verified or updated ) this account. 
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.

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 2021-11-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I received your correspondence on this alleged account stating your ( verified or updated ) this account. 
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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:
The aformentioned credit reporting agencies received information regarding identity theft related to the account they are reporting, XXXX XXXX . XXXX, Equifax and XXXX received the identity theft report on XX/XX/XXXX, along with my identifying credentials ( social security card/State ID ). Pursuant to FCRA 15USC 1681c-2 ( a ) these agencies are in violation as they have not blocked this information from my credit report and have continued reporting the information. Additionally, they have not provided me with any documentation as to further investigation into this matter and the dispute has been deemed as resolved on both Equifax and XXXX dispute centers located on their websites. I have filed additional complaints regarding the way this situation has been handled with my state 's Attorney General 's office. I am requesting all documentation regarding the method of verification, all information provided by the furnisher regarding this account as I need to ensure that a thorough investigation has been performed pursuant to my rights under FCRA, section 611. As of yesterday, I was notified by credit monitoring that Equifax is allowing manipulation of the payment history on this account. According to their own records, this account was closed and sold in XXXX. Attached, you will see where the payment history has been changed to reflect payments in XXXX and in XXXX, this gross misrepresentation on the account is displaying late payments were made between XX/XX/XXXX through XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: OH

Complaint narrative:
I have two inquiries on my Equifax credit report that are inaccurate. One is listed as " Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX '' and the other is listed as " Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX. '' I did not authorize these inquiries and I have no accounts or lines of credit with this entity. This is likely fraudulent, or it must be an error of some type. I disputed both of these inquires with Equifax on the afternoon of XX/XX/XXXX, and my dispute was listed as " resolved '' as of XXXX XXXX on XX/XX/XXXX. Both disputes were denied with minimal explanation from Equifax. Based on the speed of the denial and the lack of transparency, it is clear to me that this dispute was not properly investigated by Equifax. This is ridiculous and disappointing that I have two potentially fraudulent inquiries on my report and I have essentially been told " oh well, that is your problem '' by Equifax. There needs to be greater accountability on the credit bureaus to ensure that their information is accurate since it has such a huge impact on the financial health of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have been reaching out to Experian to have XXXX XXXX removed from my report for several months because they are reporting inaccurate information. The debt has been paid since XXXX and has been deleted from XXXX and XXXX. I have filed complaints for XXXX XXXX  and they have provided proof that they have requested the debt be removed from all three credit bureaus. Experian is the only one who has failed to do so. I have attached the company 's response to the CFPB complaint as evidence. I am also a victim of identity theft and have submitted identity theft reports disputing XXXX XXXX XXXX  and XXXX XXXX they have refused to thoroughly investigate my disputes after asking me to provide evidence. I have attached the identity theft report as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I had an account with BBVA USA. PNC Bank bought BBVA USA, and their goal was to automatically convert all BBVA USA customers into PNC Bank customers. I do not want to be a customer of PNC Bank, so I waited for the documentation explaining how the acquisition would happen.

I received in the mail a document called " PNC Consumer Disclosures and Agreements '', which states on page 21 : " You don't need to sign this Agreement. When you sign the signature card, electronically acknowledge that you agree to the terms and conditions of the agreements provided on the " Terms and Conditions '' page of the online account application, use your account ( s ), or add/change services connected to your account, you are agreeing to the terms and conditions of this Agreement '' I also received in the mail a document called " PNC Business Disclosures and Agreements '', which states on page 14 : " You have agreed by signing the signature card and/or by using your account on or after the opening date '' So, I intentionally did not do any of the above, and the statement in the " PNC Business Disclosures and Agreements '' document is false. In fact, it could not possibly be true since the document was received prior to accounts at PNC Bank being opened the weekend of XX/XX/2021. 
Then, I began receiving letters in the mail about an account in my name at PNC Bank. I have called several times, and was never given an explanation as to how there is an account in my name at PNC Bank when I have never agreed to that. The latest representative that I spoke with on XX/XX/2021 actually confirmed that what happened with the accounts was specifically not in accordance with what I received in writing from PNC Bank. I asked, specifically, whether what happened is different from what I am reading in the document referenced above ( which I read aloud to him ), to which the representative answered, " Yes, that's correct. '' If I am unable to resolve this through the Consumer Financial Protection Bureau, then I will have to go to court to force PNC Bank to comply. I never agreed to an account with PNC Bank. They ask on the phone if I want to close my account, to which I answer that I do not have the authority to close any account at PNC Bank because I have never agreed to any terms or conditions for an account there, and that there should not exist an account at PNC Bank under my name. 
I have attempted to resolve this with PNC Bank directly for both a personal checking account and a business checking account, both of which were fraudulently assigned to me in PNC Bank 's attempt to " automatically '' acquire customers, regardless of their desire to have a financial relationship with PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: FL

Complaint narrative:
I have tried to communicate with Equifax about their inaccurate reporting on a few of the accounts listed on my profile. The accounts just show letters and numbers. This does not show anything else about the company who is alleging I owe them a debt. Federal law states that it is the job of the consumer reporting agencies to provide the consumer with fair and accurate reports. How am I to know who my accuser is when Equifax will not provide the information I seek? This is unfair and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOMESTAR FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2021 my lender, Homestar, paid three parcels from my escrow to XXXX county Taxes. I'm only supposed to pay for parcel number # XXXX XXXX and # XXXX XXXX. 
However, they also paid XXXX XXXX. Also, my property taxes weren't due until XX/XX/2021 but they said they paid in bulk to my county. However, my county never received payments for my property taxes as of XX/XX/2021 and could not cancel the taxes my lender paid from my escrow causing it to be short. 

I asked them if they could wait to do the escrow analysis until the payment was rejected by XXXX county tax office and they said they could not guarantee that and it was up to me to get the payment cancelled. How can I cancel a payment that was never sent? 

They also stated that because I was on forbearance I could not pay my escrow shortage until I was caught up on my payments even if I went on payment plans. This was not explained to me when I signed up for the forbearance program.

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 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Approximately on the date of XXXX. XX/XX/2021, wrote a check to XXXX bank in the amount of {$150000.00} wanting to transfer funds and deal with only bank. At which time Chase bank froze the account and would not allow the transaction. Causing a situation at XXXX bank. Chase has been impossible to deal with or contact. If you do reach a person they are normally unable to help or are not cleared or authorized to comment. Please hold- next person same situation or you need to go to a local branch where I'm told that its out of their hands, here 's a number to call. Been there done that a number of times to no avail. 
Rude, discourteous, and even hanging up. Was told that the account had been close and check was in the mail around XX/XX/XXXX tenth.waited a couple of weeks and no check.Called back and was told check had been mailed and that they would have to investigate and resend. Waited an no check.Called back and was told they were investigating and the account had been closed and funds distributed. Not so. 
Consulting with our bank reps at XXXX and our attorney we're using on another matter, we were told there was no reason Chase bank was allowed to do this. Mr. XXXX XXXX XXXX, the first signature endorsed the check to XXXX for the transfer of funds to XXXX. Mr. XXXX passed XXXX. XXXX, which had no bearing on this issue because I was and am still the second signature on the account. 
Note that they have received copy of death certificate which they didn't actually need because I also owned the account. 
As a Veteran of this great nation and a senior citizen I feel deeply violated and humiliated and awed that a bank or any other business could rob you and it be allowed. I can't begin to describe the helplessness I felt, and the disrespect. Please HELP respectfully. Worst company Ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent XXXX XXXX XXXX XXXX a letter on XX/XX/2021, requesting my XXXX free Consumer Reports and Consumer Files and I have not received a response. 
After no reply back from XXXX XXXX XXXX XXXX, I proceeded with sending letters to all XXXX Credit Reporting Agencies on XX/XX/2021, requesting my Consumer reports and Consumer files. I have made several attempts, to obtain my CONSUMER REPORTS and CONSUMER FILES from XXXX, XXXX, and Transunion. Therefore, I am putting in a complaint on these companies. 
I have not received a reply back from neither of these companies and would appreciate if I could obtain what i am requesting.

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 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: VA

Complaint narrative:
On XXXX I transferred funds from a linked bank account and was informed that it would take up to 14 days to clear in an email on XXXX. 
On XX/XX/XXXX I was informed via email that my account was " suspended '' or " restricted '' and to call to discuss things. 
On XX/XX/XXXX I called and was informed that they needed to verify my linked bank account from the XXXX deposit to lift the suspension. This required a " XXXX way call '' with the other bank. I allowed this, but the other bank ( XXXX XXXX XXXX XXXX XXXX ) has security policies that do not allow for 3 way calls like this. I was informed by XXXX that since XXXX XXXX would not do anything else, that my account was still suspended, but should be resolved in a few days. 
On XX/XX/XXXX I called Upgrade because my account is still entirely frozen and was told they needed to call XXXX XXXX again to try to verify a linked account. I allowed it again, but XXXX XXXX again stated their policy regarding not allowing 3 way calls. The supervisor with Upgrade informed me that this was likely enough to lift the suspension within the next 3 business days. When I enquired about the possibility to just close my Upgrade account, I was informed that I could not close the account and get my money from it while it was still under restriction. 
As of XXXX, now more than 1 month since my XXXX deposit my entire account is still locked. This is in addition to the XXXX deposit being locked. For over a month Upgrade has held all of my assets in restriction ( over {$18000.00} ) and has repeatedly not done what they said they would do to allow me to use my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
After taking a look at my credit report and seeing accounts that I did not recognize, ( XX/XX/XXXX ) I sent a validation letter requesting for documentation that shows I owe National Credit Systems for the accounts listed on my credit report or to have the items removed entirely from my credit report as it is inaccurate and untrue ( received XXXX ). Evidence concluding such was included in that validation letter. 

( XX/XX/XXXX ) I received a response from National Credit Systems that said that I have not provided enough information to validate or correct their records when I thought it was me who requested validation from them. Included within that letter, they have provided me with a lease contract between a former landlord and I. No information or documentation that shows that I have done any business with them and it is listed inaccurately on both of my credit reports. When I have requested them to be removed from all credit reports within 30 days, and a copy of the deletion with 5 days of the change. The last updates to the accounts were XX/XX/XXXX and I have yet to receive any notice of correction or deletion. 

National Credit Systems has not only failed to delete the invalid and unverifiable information from my account within the 30 days of complaint receipt ( XX/XX/XXXX ), but they also are continuing to submit information that they know to be incorrect.

Company response to consumer: Closed with explanation