vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Transunion is currently reporting an inaccurate account XXXX XXXX XXXX account XXXX XXXX in a collection status on my credit report with a balance of {$2200.00}. 

****In accordance with the provisions of 15 USC1692 ( g ) and 15 USC1692 ( c ) This is a violation of my rights as a consumer and this must be deleted immediately.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX was sued and I guess the closed and have transferred me to XXXX. In process, XXXX has reported a late payment for XX/XX/year> and there was not. My credit score has dropped. I have proof from my XXXX XXXX account that they drafted the money from my checking account on time.

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 2024-11-05 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated. 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. 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!

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 2024-11-05 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: FL

Complaint narrative:
Notice to agent is notice to principal ; notice to principal is notice to agent. 
On XX/XX/2024, you received my dispute regarding some transactions and late payments that you and XXXX XXXX reported on my consumer report. Upon making this dispute under FCRA regulations, I received a response from Equifax stating that the account was verified. 
I do not understand why they responded with verified since I did not request verification of anything. The law clearly states that : ( XXXX ) Exclusions- Except as provided in paragraph ( XXXX ), the term consumer report does not include : ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. 
How can you validate a dispute regarding information that is excluded from the consumer report? The law states that transactions are not part of my consumer report. So how can you validate a late payment? 
In addition, we should review 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 under any circumstances 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 sent or delivered to the consumer no later than 21 days before the payment is due.

I am requesting all information pursuant to 1002 at 15 USC 1666B and the procedure that was used to authenticate the accuracy of the late payments. What reasonable procedure was implemented to ensure that each statement, including the information required by Section 1637B, was sent or delivered to the consumer no later than 21 days prior to the payment due date?

The only way to validate a late payment is to ensure that, under 15 USC 1666B, the requirements of Metro2 and FCRA were met, in addition to the specifications of 15 USC 1666B. This process must be certified by an information accuracy agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My wife and I purchased a sectional from Rooms to Go approximately 3 years ago. They had a promotion of no interest on a 5 year payment plan. Our payment was $ XXXX which we have always been paid on time to Synchrony. 
Synchrony decided to change certain policies regarding paper statements that we were not aware of. They claim it was written in our statement in XXXX but we never saw it. Since we knew our payments would always be {$57.00} a month we did not notice they were adding a paper statement fee of {$1.00} per month to our payment beginning in XXXX. Therefore our XXXX statement was {$58.00} instead of {$57.00}. 
When we realized in XXXX that we had a {$90.00} statement, my wife called regarding the extra fees. They explained that we did not pay the total amount in XXXX of {$58.00} and were being assessed a {$30.00} late fee for the unpaid balance of {$1.00}. 
My wife agreed to pay the 2 months paper fee for XXXX and XXXX ( {$3.00} ) but asked synchrony to forgive the late fees. It was her understanding that this was approved. She remembers asking the operator " So I just need to pay you {$4.00}? '' My wife also agreed to stop the paper statements and have them sent by email. She did not know that Synchrony would be sending the email statements to XXXX 's address so did not know that Synchrony was still adding late fees on to our payment. 
She continued paying {$57.00} each month but Synchrony is saying we now owe {$140.00}. ( {$88.00} in fees ). My wife and I talked with Synchrony today and they insist we must pay these penalty charges. We offered to pay off the entire balance of the sectional but are not willing to pay penalty charges. They refused to comply.

We feel that we have been wrongly charged of these fees for 2 reasons. We pay our bills online and have paid Synchrony {$57.00} a month for years. It is completely understandable that we would not know about the {$1.00} fee they randomly decided to add to our bill. Even though we felt this was unethical for a bank to just decide to add a fee to a customers bill, we agreed to pay the {$1.00} for 2 months and have our statements sent by email. 
The second reason is we are being charged late fees on previous late fees. This was supposedly cleared up by my wife 's initial phone call to Synchrony that the late fees would be removed if she paid the {$3.00} in added paper statement fees. {$4.00} was sent to Synchrony on XX/XX/year>. Therefore no extra money should be owed by us.

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 monetary relief
Consumer complaint received 2024-11-05 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: FL

Complaint narrative:
I am a Victim of Identity theft. The Information listed below, which appears on my Credit report, is the result of identity theft.

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 2024-11-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a Victim of Identity theft. The Information listed below, which appears on my Credit report, is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-05 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: OneMain Finance Corporation
State: MS

Complaint narrative:
XXXX is currently reporting an inaccurate account One Main Financial account # XXXX with a charged off status on my credit report with a balance of {$3000.00} and high balance of XXXX In accordance with the provisions of USC 1681 ( e ) and USC 1681 ( i ) This is a violation of my rights as a consumer and this must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: FL

Complaint narrative:
I found unauthorized inquiries on my credit report this morning, and I have no idea why. This wasn't an issue in my previous checks, but today, discrepancies appeared without any explanation. I even refreshed my browser, hoping it was just a temporary error, but they didnt disappear. Im extremely frustrated and need the documents I sent to be reviewed carefully so I can stop worrying about this once and for all.

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 2024-11-05 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: GA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
My complaint is Associated Bank Attorneys and associates continue to misappropriated my mortgage funds, payments, and charge fraudulent fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-05 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: 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.

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 2024-11-05 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: EQUIFAX, 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.

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 non-monetary relief
Consumer complaint received 2024-11-05 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have multiple false inquiries on My Credit Report that do not belong to Me. I have been a victim of Identity Theft since XXXX. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm in disagreement with the accounts 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 injurious to my credit score. In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, subsection A-D. Please provide the names and business addresses of each individual with who you verified the above follow up. Please send me an updated copy of my credit report after you reinvestigation. 

Accounts to reinvestigate : 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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I took out six loans with XXXX XXXX between XXXX and XXXX. XXXX XXXX sold my loans to Firstmark Services XXXXn XXXX. I have contacted XXXX XXXX regarding my loans and my inability to pay them back ( at the current market value ). As of today, my monthly payment is {$1400.00} and I am currently over {$5000.00} past due. I am simply unable to pay that. I havent been giving any options other than well thats the best we can do and we have to follow the guidelines of the loan. But after speaking with a representative from XXXX XXXX and someone from their legal team, they stated that Firstmark is able to make adjustments because they ( XXXX XXXX ) are no longer in the student loan business and have no control over what Firstmark Services does. 

The last representative I spoke to from Firstmark basically told me that my loans were close to defaulting and they couldnt offer me any other solutions. My credit has taken such a major hit from all the late payments reporting from all six loans that I cant even refinance if I wanted to. On XX/XX/XXXX XXXX XXXX XXXX XXXX  which landed me in the XXXX  for 5 days. After three XXXX, I was okay to go home but would be out of work for the next 8 weeks. My XXXX, physical and emotional XXXX took such a hit that I contemplated no longer being here. Once I went back to work I was put on a modified work schedule. I knew I would need another XXXX  in a few months. Fast forward to XX/XX/XXXX I underwent my second XXXXXXXX  and was out of work for three weeks ( I had to go back early for financial reasons ). Im drowning in XXXX XXXX XXXX in medical debt and am slowly making my way back to being caught up on my bills. I know that my loans can not be forgiven but I am trying to make payments as I can and I am very close to defaulting. I have been given no other alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
SECURITY CREDIT SERVICE : THIS COMPANY IS REPORTING AN UNVERIFIED AND INACCURATE ACCOUNT ON MY CONSUMER REPORT. THIS A VIOLATION OF THE FDCPA AND FCRA, AND IF THIS ACCOUNT IS STILL REPORTING ON MY CONSUMER REPORT I WILL BE SEEKING DAMGES UNDER BOTH THE FCRA AND THE FDCPA. Asked for certain documentation and it was not given to me. SO I WILL BE ASKING AGAIN, TO SEND ME THE ITEMS LISTED BELOW. IN THE RESOLUTION BOX. I YOU REFUSE OR DO NOT WANT TO SEND THIS INFORMATION, READ THE REQUEST IN THE RESOLUTION BOX BELOW.

Company response to consumer: Closed with explanation