vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: NV

Complaint narrative:
CrossCounty Mortgage. XXXX XXXX XXXX is a scam. They have lied, strung me along, and I have been given misinformation. I was going through a financial hardship and every single time I call this company they not only give you misinformation, you get different answers literally every single time I call, I get different answers. I filled out a forbearance packet in XXXX due to XXXX which was stated with a representative over the phone. I was told from the beginning that my forbearance was going to cover from XXXX forward. It was not. I was told that it would not affect my credit. It did. I was told alot of things, and what ended up happening was the exact opposite. This company scams people and has unfair practices. Someone should pull the call log and look to see how many times I had to call to resolve issues- none of which have been resolved. Someone should pull the call logs and see the lies that the representatives have told, and see the results of what actually happened to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: FIRST PORTFOLIO SERVICING INC
State: MA

Complaint narrative:
In XX/XX/2022, I sent a dispute letter to XXXX access/XXXX requesting validation of an alleged account placed on my credit report. As of XX/XX/2022, the creditor did not provide validation of the account, nor did they mark the account disputed. In accordance with the FCRA and FCDPA, creditors are obligated to provide accurate documetation of validation of the account upon request from the consumer and they must update the account status to disputed. As of XX/XX/2022,XXXX access/XXXX  has done neither. This actions of noncompliance with federal law are in violation of my consumer rights ; which can incur a fine of up to {$1000.00} per infraction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been contacting XXXX along with providing proof of debt payoff but XXXX is not correcting the credit report at their ends. XXXX is report 2 debt collection 1 is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$21000.00} whereas I have proof that shows the account is now with XXXX XXXX XXXX does not conduct servicing or debt collection activities. So, you'll need to contact XXXX XXXX  to talk about the status of your loan. You can reach them at ( XXXX ) XXXX. Best Regards, XXXX XXXX. I have settled debt with XXXX and requesting XXXX to remove both negative balance from my credit report which XXXX is not agreeing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been contacting XXXX along with providing proof of debt payoff but XXXX is not correcting the credit report at their ends. XXXX is report 2 debt collection 1 is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$21000.00} whereas I have proof that shows the account is now with XXXX XXXX XXXX does not conduct servicing or debt collection activities. So, you'll need to contact XXXX XXXX  to talk about the status of your loan. You can reach them at ( XXXX ) XXXX. Best Regards, XXXX XXXX. I have settled debt with XXXX and requesting XXXX to remove both negative balance from my credit report which XXXX is not agreeing with.

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 2023-06-12 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-12 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: Upstart Holdings, Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX, Upstart : # XXXX, Upstart : # XXXX, Upgrade : # XXXX, XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-06-12 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On XX/XX/2023, I received numerous letters from Resurgent Capital Service ( collection reporting agency ). I am a victim of Identity Theft and continue to suffer from the theft of my social security number and other personal information which was used to open multiple credit cards, lease and utilities at various locations. In XX/XX/2023, I started receiving multiple collection letters and requested my credit reports from XXXX, XXXX and XXXX which revealed multiple credit card accounts in negative status. Furthermore, I contacted each creditor and collection agency listed on my credit files. As of XX/XX/2023, I have been unable to get some of the inaccurate, misinformation and unauthorized items removed from my credit file. Furthermore, I continue to receive annoying collection letters and updated credit reports with unauthorized charges from credit cards and other service providers. This identity theft situation has caused me damages and pain and suffering. Because of this identity theft matter and negative credit reporting from the collection agencies and credit bureaus I have not been able to obtain new credit, Apartment and Employment. On XX/XX/2023, I filed Identity Theft Affidavit with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
This information is unauthorized As followed Name : XXXX XXXX, Address XXXX XXXX XXXX XXXX XXXX Illinois XXXX, Inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
This information is unauthorized As followed Name : XXXX XXXX, Address XXXX XXXX XXXX XXXX XXXX Illinois XXXX, Inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 2023-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ERC
State: CA

Complaint narrative:
They contacted my work even after i let them know to stop calling me and they spoke with a couple of my coworkers including the companys accountant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: CA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST PORTFOLIO SERVICING INC
State: NJ

Complaint narrative:
First Access is reporting under the name XXXXXXXX XXXX XXXXXXXX XXXX  on XXXX and XXXX with Total Visa Cards contact information. 

This account was paid to be removed and closed XXXX of XXXX through total card inc. that was emailed to me the same day. it was removed from my credit report as agreed. It was added back about more than year ago, and I have been disputing with the credit bureaus and XXXX XXXX every month. along with calls, emails, faxes. They never even sent my credit history which was requested as well. 

They have been reporting incorrect data on months after closure of the account causing my credit to drop even putting charge off status and lates in XXXX. Putting me at risk of being homeless. due to recent home purchase and lease ending. 

I have been calling Total Card since its the phone number on my report. No one has access. Not even First access customer service has it. Only the back end office and the only way to contact correspondence is through fax not even they have access to this department. 

I am in the middle of purchasing my home and am set to move out at the end of the month. The recent credit drop has put a delay and time limit for this to be updated. 

I've explained to everyone my situation and no one could help either because they cant access my account- so they cant transfer or they tell me to dispute it and that they cant contact the corresponding department. 

Every time that I dispute, its new random information added to my credit report. XXXX and XXXX have both guided me well however limit information since there is not contact information for correspondence at first access.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: MI

Complaint narrative:
I received two phonecalls on XX/XX/2023 with Chase Bank 's caller ID. Unfortunately I answered the second call, and apparently a scammer was posing as a chase rep in the fraud department. They " verified '' my information and already had specific details about my account, includ8ng the balance. They collected information to " file a claim '', but actually stole my information to take {$1400.00} from my bank account via 14 ATM withdrawls the same day. Maybe not a lot of money to some, but a lot to me. Chase denied my claim. I've been banking with Chase for 14 years because I believed they would protect my money. Now I'm reading online in news articles that this has been happening to other people for months. Chase is aware of the problem and hasn't taken any measures to protect its customers, calling it a " social issue ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, *Account name : XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-12 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: AL

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. 

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2023-06-12 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: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be. 

Thank You.

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 2023-06-12 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: NY

Complaint narrative:
Experian is reporting erroneous accounts on my Experian report. For some reason they are reporting these accounts even though I had asked them to remove it before but they are refusing.

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with non-monetary relief