vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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: NY

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 2024-11-18 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: NJ

Complaint narrative:
TransUnion, XXXX, and XXXX have violated many of my rights. To start, there are many inaccuracies in my credit report such as different dates of birth, addresses that I have never been associated with and different addresses for my current address, payment dates and original balances for multiple accounts, payment histories, opening dates etc. I will provide the first 4 pages of my credit report as an example. If needed I can send the full report. 

I have never received any options or notices informing me of my right to be able to opt out of disclosures and preventing most third party affiliates from accessing my personal information through financial institutions. Not to mention that my transaction history has been made available when it shouldnt have been reported. 

Charge offs still remain on my credit report when I am well aware of the fact that they are now Certificates of Indebtedness and considered income which also should not be on my report. 

These are violations of the Fair Credit Reporting Act, and the Privacy Act of 1974. 
15 USC 1681 A, B 15 USC 6802-6805 16 CFR 313 & 16 CFR 433s 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7 Section 3711 e of Title 31 of the Privacy Act of 1974

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX, Equifax, and XXXX have violated many of my rights. To start, there are many inaccuracies in my credit report such as different dates of birth, addresses that I have never been associated with and different addresses for my current address, payment dates and original balances for multiple accounts, payment histories, opening dates etc. I will provide the first 4 pages of my credit report as an example. If needed I can send the full report. 

I have never received any options or notices informing me of my right to be able to opt out of disclosures and preventing most third party affiliates from accessing my personal information through financial institutions. Not to mention that my transaction history has been made available when it shouldnt have been reported. 

Charge offs still remain on my credit report when I am well aware of the fact that they are now Certificates of Indebtedness and considered income which also should not be on my report. 

These are violations of the Fair Credit Reporting Act, and the Privacy Act of 1974.

15 USC 1681 A, B 15 USC 6802-6805 16 CFR 313 & 16 CFR 433s 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7 Section 3711 e of Title 31 of the Privacy Act of 1974

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: NY

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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 2024-11-18 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: TX

Complaint narrative:
" I am disputing an inaccurate entry on my credit report by XXXX XXXX XXXX, which is reporting a debt to the credit bureaus despite my prior disputes directly with them. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), they should have ceased all collection activities until verification of the debt was provided. '' Details of the Inaccurate Entry : Creditor Name : XXXX XXXX Account Number : XXXX Amount : {$660.00} Date Reported : XX/XX/year> Reference Number : XXXX Summary of My Actions : On XX/XX/year>, I called XXXX XXXX XXXX to dispute the debt 's validity. 
On XX/XX/year>, I mailed a certified letter requesting debt verification ( see attached USPS tracking ). 
Despite my request, XXXX XXXX XXXX reported the debt to credit bureaus on XX/XX/scrub>XXXX XXXX XXXX without verifying the debt.

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 2024-11-18 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: CO

Complaint narrative:
XXXXXXXX XXXX XXXX  signed up for XXXX XXXX XXXX XXXX  After 8 days I was no longer able to log in. I contacted the company and they did not help telling me I just needed to log in. Attempted again to explain the issue and again did not get help. Stopped payment with credit card and after back and forth paying and then finally not paying them XXXX came after me for the money. Attempted several times through their customer service to talk to me and give me someone I could talk too with no response. Contract states they are to go through arbitration so they are violating their terms of service sending me to collections. Don't feel I owe for service I did not receive. 

RFGI is attempting to collect on XXXX 's behalf. Attempting to collect from me a service that XXXX did not provide. Saying that XXXX will fix the problem if I pay and I can still get the service. A service I am no longer interested in since they were never willing to help me in the first place.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information. 

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections / charge off were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

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 2024-11-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: TX

Complaint narrative:
I think Sallie Mae needs to be investigated for predatory loans. Minimum payment for me specifically is approximately XXXX, they won't lower payments or interest rates. By the time i pay off my XXXX loan I will have paid more than double that. Even though I've been making my XXXX payment for 2 years now the balance barely goes down. 

I've attached statement from 1 year apart I've made $ XXXX in payments in the year and my balance has barely moved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I strongly dispute the validity of this account as reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information from my credit report to reflect the true status of 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 2024-11-19 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

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 2024-11-18 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: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : CREDENCE RESOURCE MANAGE : added a derogatory Mark on my credit, and needs to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and have all my XXXX  bills and report Saying that i cant work and Unable to work during all this time until XX/XX/XXXX. I spoke to them all already and still put Collection on my credit report that is Illegal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEM : XXXX XXXX XXXX XXXX added a derogatory Mark on my credit, and needs to be removed. XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX and have all my XXXX  bills and report Saying that i cant work and Unable to work during all this time until XX/XX/XXXX. I spoke to them all already and still put Collection on my credit report that is Illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
THUNDERBIRD COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thunderbird collections has harassed me numerous times over the phone about a debt that I dont owe. I have told them to not contact me but they continue to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I made a purchase of flooring from XXXX XXXX with a credit card offer from Synchrony Bank on XX/XX/year> for {$8700.00}. The same day I made the purchase, XXXX XXXX filed for bankruptcy. The receipt I received from the purchase stated that I had 90 days to return my purchase and a lifetime warranty. The flooring was delivered on XX/XX/year>. On XX/XX/year> 30 days after delivery and well within the 90 day return policy I was promised, I reached out to LL Flooring to advise I wanted to return the product as it was not of the quality I had expected. I was told they are not taking any returns and sent me an email with information on how to contact their bankruptcy attorney and file a claim. 

I immediately filed a claim on the bankruptcy and also filed a dispute with Synchrony Bank. I provided copies of the receipt showing the return policy that was not honored. I even paid to have the product taken to the local store and it was refused. I provided pictures to Synchrony Bank of the product at the local store where it was attempted to be returned. 

I received notice today XX/XX/year> that Synchrony Bank has declined my dispute. I notified Synchrony Bank today that I was requesting a review of their decision and that I would be filing this complaint. 

XXXX XXXX and Synchrony Bank are out no money - only me, the consumer, will suffer because of malicious business practices and false warranties and return policies. There is no valid reason that Synchrony Bank declined this dispute and I need your assistance please.

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