vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Supreme Lending
State: TX

Complaint narrative:
We sold our home back in XX/XX/year> and moved outside the country. 
Recently we came back to XXXX and found a late payment records back in XX/XX/year> on our ( me and my wife ) credit reports. We did not recognize this late payment and called Supreme lending. So they said we missed our XX/XX/year> payment and it was paid on XXXX only. We did not received any sort of notification and didn't intentionally delayed the payment, because we were closing the sell in XX/XX/year> and thought the whole process would take care of the rest of our mortgage, which it did, but Supreme Lending declared it was only posted in XX/XX/year>. We never intended to default and didn't receive any proper notification from any parties, thought it was taken care of and left. We requested for dispute for this late pay record and was declined by Supreme Lending. Lack of caring for customer and surely didn't done well on sending notifications. 
It was 3 years ago, I can't recall lots of the detail but in the closing process the lender should be notified and somehow they knew the rest of mortgage money was for sure coming and didn't done well on their old customer. 
XXXX line is, we didn't know we were late on payments and thought the title agency company was taking care of the property sell and paid the mortgage, which they did pay it off. Supreme lending is lacking of customer caring and didn't provide proper notification. All they did is declining for offering help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently did a review of my credit report and noticed I had fraudulent accounts on my report. I disputed the account but it remains on my credit report. Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly detrimental to my credit score XXXX XXXX Account Number : 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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
DISPUTED THIS ITEM WITH CREDIT REPORTING AGENCY The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/year> XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX CAPITAL XXXX XXXX XXXX VA XXXX Phone : XXXX XX/XX/year> UNAUTHORIZED INQUIRES ON MY CREDIT REPORT THAT I WOULD LIKE REMOVED ACCORDING TO THE FCRA, THESE ARE UNVERIFIED AND UNAUTHORIZED ITEMS MUST BE REMOVED! 

FTC REPORT FILED. 
The Fair Credit Reporting Act ( FCRA ) outlines permissible purposes for accessing a consumer 's credit report in 15 U.S.C. 1681b. Here 's a summary of this section : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports Under this section, a consumer reporting agency may furnish a consumer report only under the following circumstances : In Connection with a Credit Transaction : To a person who intends to use the information in connection with a credit transaction involving the consumer on whom the report is furnished.

For Employment Purposes : To an employer or prospective employer, with the consumer 's written consent, for the purpose of evaluating the consumer for employment, promotion, reassignment, or retention. 
In Connection with Insurance : To an insurance company to evaluate a consumer 's application for insurance, or to review an existing insurance policy. 
For Rental Agreements : To a person who intends to use the information in connection with the underwriting of a rental agreement. 
For Government Benefits : To a governmental authority to determine eligibility for government benefits. 
For Business Transactions : To a person with whom the consumer has an existing business relationship, or to evaluate a business transaction initiated by the consumer. 
For Collection of Debt : To a collection agency or debt collector for the purpose of collecting a debt.

In Response to a Court Order : To comply with a court order or federal grand jury subpoena.

For Investigative Purposes : To a person who is conducting an investigation with respect to a consumer 's creditworthiness, credit standing, or credit capacity, provided that the information is used for a lawful purpose.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
DISPUTED THIS ITEM WITH CREDIT REPORTING AGENCY The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Phone : XXXX XX/XX/2023 UNAUTHORIZED INQUIRES ON MY CREDIT REPORT THAT I WOULD LIKE REMOVED ACCORDING TO THE FCRA, THESE ARE UNVERIFIED AND UNAUTHORIZED ITEMS MUST BE REMOVED! 

FTC REPORT FILED. 
The Fair Credit Reporting Act ( FCRA ) outlines permissible purposes for accessing a consumer 's credit report in XXXX5 U.S.C. 1681b. Here 's a summary of this section : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports Under this section, a consumer reporting agency may furnish a consumer report only under the following circumstances : In Connection with a Credit Transaction : To a person who intends to use the information in connection with a credit transaction involving the consumer on whom the report is furnished.

For Employment Purposes : To an employer or prospective employer, with the consumer 's written consent, for the purpose of evaluating the consumer for employment, promotion, reassignment, or retention. 
In Connection with Insurance : To an insurance company to evaluate a consumer 's application for insurance, or to review an existing insurance policy. 
For Rental Agreements : To a person who intends to use the information in connection with the underwriting of a rental agreement. 
For Government Benefits : To a governmental authority to determine eligibility for government benefits. 
For Business Transactions : To a person with whom the consumer has an existing business relationship, or to evaluate a business transaction initiated by the consumer. 
For Collection of Debt : To a collection agency or debt collector for the purpose of collecting a debt. 
In Response to a Court Order : To comply with a court order or federal grand jury subpoena. 
For Investigative Purposes : To a person who is conducting an investigation with respect to a consumer 's creditworthiness, credit standing, or credit capacity, provided that the information is used for a lawful purpose.

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 2024-08-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Upstart Holdings, Inc.
State: TN

Complaint narrative:
On XX/XX/year> ( Friday night ) I apply for a loan from the web called Upstart. I was approved for {$6000.00}. After reading the terms and conditions over the weekend, I decided I didn't need the money. The loan interest rate was too high {$5200.00} was deposited and If I do the 5 year plan. I would have paid back over {$11000.00}. Almost dollar for dollar. 
I called the company XX/XX/year> to cancel the loan and was told I couldn't because I had already signed the promissory note. After about XXXX weeks of going back and forth in emails and waiting for the portal to open where I can make the payment. I decided to return the funds that was deposited in my account along with some interests. I was given {$5200.00} and I returned {$5300.00}. They still wanted me to pay the originator fee that was deducted from the {$6000.00}. I owe them {$780.00}. I don't agree to this So, I contacted the BBB to help with this issue. After several exchange of emails nothing was resolved. The BBB gave me the numbers to the FTC and CFPB for further assistance. So here we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I have been in communication with the agency fir months. They continue to report erroneous information to the XXXX in my name. They refuse to provide acceptable validation of debt ; but, will send a statement of charges. I have kindly requested correction. I'm seeking immediate removal of the collection account reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account with this XXXXXXXX XXXX XXXXXXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have notified and submitted my identity theft report to the federal trade commission in regards to these fraudulent items on my report that need to be removed but as of now still have not.

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 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
LVNV Funding is trying to collect multiple debts from me on behalf of XXXX XXXX, a credit card I had years ago. I disputed the FIRST account with them and asked for proof of the debt, but wasnt given anything. That was in XXXXXXXX XXXX XXXX  I have recently started monitoring and taking care of whats on my credit report because I am trying to buy a house. I opened my FICO report, and this company has opened a SECOND *NEW* account for the same amount, same original creditor as the first collection account. But a different account number. I do not appreciate this, as my credit has taken a hit from a debt this company couldnt prove to begin with, let alone without my permission open a SECOND fraudulent account. I will attach proof of this. If you take a look at their reviews, they have done this to multiple people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX Account Number - XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved, I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, Equifax, XXXX and XXXX. you must Cease Collection efforts until this alleged debt is validated. You must show proof that you legally own this debt and that it is accurate and complete. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: D&A Services, LLC
State: TX

Complaint narrative:
XXXX XXXX Account XXXX The amount listed is not correct nor did I ever have a contract or agreement with D & A Service for an amount of {$19000.00}.

According to FRCA 605b, it is illegal to report any inaccurate information on my credit report.please remove this negative item. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am transiting my checking bill pay from XXXX XXXX  to CitiBank. I have used XXXX to pay bills for some time and it was by electronic pay within XXXX business days. I set up bill pay to XXXX XXXX XXXX XXXX on CitiBank and expected the electronic payment there too. However when I sent the entire balance due of {$1700.00} on XX/XX/2024 to XXXX XXXX it had not been received by XX/XX/XXXX and so I missed the due date of XX/XX/XXXX. I looked more closely at my CitiBank checking account and the entire {$1700.00} had been withdrawn on XX/XX/XXXX but the payment was by paper check. I really can not understand why they use paper checks in this matter. I have been hit by a late payment fee of {$29.00} and interest at 35 % APR of {$57.00}. In addition my credit score will take a hit too, I was told by XXXX XXXX that paper checks can take up to 14 days to be credited to the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I hereby opted out of all your informational services and branches for the illegal distribution of my information without written consent which is a data breach and invasion of privacy any further trespasses on the account will be seen as a threat against my personal assets and will be seen as fraud. XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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