vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 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:
I am XXXX XXXX, and I am submitting this complaint and there is no third party involved. Thiese accounts are inaccurately and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX and Transunion Credit Bureaus but they failed to give me any results or feedback about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behaviour and willfully in the violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY. 
NAME : XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$660.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$550.00}XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$270.00}, CHILDSUPPORT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} ; INQUIRIES : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry 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

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 2023-03-01 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: FL

Complaint narrative:
I am XXXX XXXX, and I am submitting this complaint and there is no third party involved. Thiese accounts are inaccurately and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, Equifax and XXXX Credit Bureaus but they failed to give me any results or feedback about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behaviour and willfully in the violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY. 
NAME : XXXX XXXX ; Inaccurate Addresses : XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$660.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$550.00}XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$270.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} ; INQUIRIES : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry XXXX XX/XX/XXXX, XXXX XXXX XXXX I Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. 
I have also requested the following below : 1. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file. 
2. Provide a certified copy of all information related to the Original Creditor and 3rd party creditors who were given permissions to report on my credit report. 
3. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved by deletion of account immediately for which this is the 3rd attempt for your company to provide all requested information. This company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report. 

According to the law : 15 U.S.C Section 1681i ( a ), if you can not provide the requested proof, this account must be deleted and removed from all sources that holds this information immediately. I am also asking that all results along with validated information be notarized and sent by mail with an updated copy of my report and all changes including deletion or updates. In accordance with the following, I am exercising my rights ( Fair Credit Reporting Act ) ( 15 U.S.C 1681 Section 602A ) ( 15 U.S.C 1681 Section 604 Section 2 ) as well as others. In result of deletion, please assure it is deleted from all 3 agencies this account has been reported which are as follow : XXXX, XXXX, XXXX. All 3 must show accuracy from verified and validated the reported update accounts or deletion of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My personal information on my credit report is inaccurate, addresses need to be removed -15 U.S. Code 1681 section 602 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

-15 U.S. Code 1681 section 611 ( a ) ( 1 ) Reinvestigation Required -15 U.S. Code 1681 section 616. Civil liability for willful noncompliance -15 U.S. Code 1681 section 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information

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 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: MI

Complaint narrative:
XX/XX/23 Called number on the back of the card ( XXXX ) to verify my balance. The {$100.00} was confirmed as my balance. It was suggested at this point that you should register the card to access balances and transaction, etc., so I decided to do so. 
XX/XX/23 - proceeded to go to the website www.giftcardmall.com/mygift as directed by customer service to register my {$100.00} XXXX XXXX card by entering the card number, valid thru date and XXXX digit code as requested. I noticed that the website was extremely slow processing the information so I called the XXXX to check my balance again. At this time the balance was communicated to me as XXXX cent?? 
XX/XX/23 - checked my balance again at it is still the same, XXXX cent again?? 

XX/XX/23 - emailed XXXX ; opened Case # XXXX Here is the response. 

Hello XXXX, Thank you for contacting Gift Card Mall Support. 

We are sorry to know you are having difficulties redeeming your XXXX XXXX XXXX. We will be happy to assist you. 

While our Gift Card Support team is unable to assist you with matters of this nature, as we are the order processors for gift cards purchased on our website, Visa Customer Support is available to take care of any questions or issues you may have. Please contact XXXX XXXX XXXX for assistance at XXXX. 

Your feedback is important to us, you might receive an email survey to rate your experience in this contact Cordially, XXXX XXXX. 
Customer Support Thank you for the opportunity to assist you! 
Hello XXXX, Thank you for contacting Gift Card Mall Support. 

We are sorry to know you are having difficulties redeeming your XXXX XXXX XXXX. We will be happy to assist you. 

While our Gift Card Support team is unable to assist you with matters of this nature, as we are the order processors for gift cards purchased on our website, Visa Customer Support is available to take care of any questions or issues you may have. Please contact XXXX XXXX XXXX for assistance at XXXX. 

Your feedback is important to us, you might receive an email survey to rate your experience in this contact Cordially, XXXX XXXX. 
Customer Support Thank you for the opportunity to assist you! 

XX/XX/23 - Replied to this email and asked if they would reopen this case as I followed all the instructions as provided by the customer service & balance inquiries. 
XX/XX/23 - hecked my balance again at it is still the same, XXXX cent again?? 

In closing, I have made no purchases using this card and would simply like to know what happened to {$99.00} on this card. 

Thank you for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: NJ

Complaint narrative:
Due to XXXX I suffered the loss of my mother, sickness, and a loss of income, so it has been quite a struggle to maintain while coping with such tragedy. I have been reaching out to my mortgage company for over a year tying to obtain assistance with my situation, and to date, I have not been able to get a consistent answer. I have tried to apply for loss mitigation, and covid assistance, and most recently, assistance from the XXXX program. 
In that process I also applied for bankruptcy, which is now open. The XXXX program has been trying to obtain documents from my mortgage company since XX/XX/2022, and they have been completely unsuccessful. My representative at the XXXX program asked that I reach out to my mortgage servicer in an attempt to retrieve the information needed. I have called multiple times and have gotten a different answer each time, I was even told by a representative, that she acknowledges I was given incorrect information. I have talked to rude customer service reps at my mortgage company on more than one occasion. 
i have explained I just need assistance getting the records needed in order to move forward with my approval in order to get the payment assistance I need. 
On more than one occasion I was assured the documents the XXXX program needs have not been sent. 
I was advised to seek help with CFPB in hopes to get this matter solved. 
My mortgage servicer is Cross Country mortgage. I have provided my contact information, and advised that I am aware of the process when there is an active Bankruptcy in place, but in order to get the matter regarding the documents getting to the XXXX program, they can call me at anytime, and nobody will respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Chrysler Capital is reporting an account on my report that is not accurate. The account is for XXXX, and the terms were for 80 months. The account shows five months of harmful activity, but I never had an account for this amount with Chrysler credit, and they can not provide proof that such an account exists. I asked ten times for them to remove this account, but they have not done it, so I am complaining about this inaccurate account. The account number is partially XXXX, the amount is XXXX, and the date opened was XXXX. Please have this company remove this account. I did not sign any contracts, and no such paperwork supports this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PCMA, Inc.
State: OH

Complaint narrative:
I've been contacted by this XXXX company about 20 times by completely different ( spoofed ) phone numbers. Each time I tell them I am not the person that they are looking for and to take me off their calling list. I recently got a string of SMS messages on my phone from someone, who failed to disclose their identity, claiming to be from this company. I have reached out in saying that I am not the person that they are looking for and they are now saying that I am the reason that this keeps happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: MD

Complaint narrative:
This will continue to be reported on my credit report and affect my score. Also shows open accounts when not open and reports monthly. 
This has a huge impact on me and my future, can this be resolved and taken off my credit

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 2023-03-01 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: CITIBANK, N.A.
State: MD

Complaint narrative:
This will continue to be reported on my credit report and affect my score. Also shows open accounts when not open and reports monthly. 
This has a huge impact on me and my future, can this be resolved and taken off my credit

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 2023-03-01 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: MD

Complaint narrative:
This will continue to be reported on my credit report and affect my score. Also shows open accounts when not open and reports monthly. 
This has a huge impact on me and my future, can this be resolved and taken off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The XXXX, Experian and XXXX Credit Bureaus are reporting inaccurate information in XXXX, XXXX XXXX and XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be updated. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or update this from my personal file. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$480.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00}.

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 2023-03-01 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: MO

Complaint narrative:
Transunion is showing a personal loan ( XXXX XXXX XXXX XXXX XXXX XXXX ) account on my credit report as open. However, this account was paid in full and closed in XX/XX/2022. I have tried to remedy this directly with Transunion numerous times ( providing supporting documentation ) in the last 5 months, but they refuse to correct their error. I will attach the supporting documentation to this 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 non-monetary relief
Consumer complaint received 2023-03-01 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: MD

Complaint narrative:
I have requested the valid proof of contract as well as other information listed below. The Proof of contract must be original and certified copy of a authenticated original contract with my signature, specifically XXXX XXXX as the company entitled to enforce this reporting to my credit. 
Company : XXXX XXXXl Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX Date Opened : XXXX Date of Last Payment : N/A Date Closed : N/A Date Reported : XXXX I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. 
I have also requested the following below : 1. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file.

2. Provide a certified copy of all information related to the Original Creditor and 3rd party creditors who were given permissions to report on my credit report.

3. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved immediately for which this is the 3rd attempt for your company to provide all requested information. Your company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: MD

Complaint narrative:
I have requested the valid proof of contract as well as other information listed below. The Proof of contract must be original and certified copy of a authenticated original contract with my signature, specifically XXXX XXXX as the company entitled to enforce this reporting to my credit. 
Company : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date Opened : XXXX Date of Last Payment : N/A Date Closed : N/A Date Reported : XXXX I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. 
I have also requested the following below : 1. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file.

2. Provide a certified copy of all information related to the Original Creditor and 3rd party creditors who were given permissions to report on my credit report. 
XXXX. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved immediately for which this is the 3rd attempt for your company to provide all requested information. Your company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report.

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 2023-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In XX/XX/XXXX I financed new XXXX through XXXX XXXX Chase Bank ; As always on recurring charges I institute automatic payments to be deducted from checking account ; As XX/XX/XXXX arrived, I expected my title to be sent as every payment except the last payment was deducted from my acct.. Instead, In XX/XX/XXXX I received a letter from Chase advising that I was late in my payment and they had charged me a {$9.00} late payment fee. I called their number & explained that this was their error as I was auto-pay for the loan. The lady said she understood & woud take care of it, including the late fee & it would not go on my record as being late ; a few weeks late in checking my XXXX I found that my score had dropped to XXXXfrom over 850.I called Chase back & spoke to a man with my complaint ; he said that Chase could do nothing about it, although the prior agent told me that it would be taken care of.In 30 years I have not been late on a payment. I have always had a XXXX at XXXX or above. I am quite upset about this.In checking, XXXX XXXX has gone up to XXXX.My acct. # for this loan : XXXX.

Company response to consumer: Closed with explanation