vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 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: GA

Complaint narrative:
Subject : 15 U.S. Code 1666b - Timing of payments I am writing to formally dispute the inclusion of a late payment entry on my credit report, attributed to XXXX XXXX XXXX XXXX for the month of [ Month/Year ]. This dispute arises from a fundamental misunderstanding of the timing of payments, as outlined in 15 U.S. Code 1666b of the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I was dismayed to discover an entry indicating a delinquency in my payment history with XXXX XXXX XXXX XXXX. However, it is crucial to clarify that the timing of payments under the FCRA allows for a grace period before a payment is considered late. 

Acording to 15 U.S. Code 1666b, creditors are required to provide consumers with a reasonable amount of time to make payments before imposing late fees or reporting delinquencies to credit bureaus. This grace period ensures that consumers have sufficient time to submit payments without incurring penalties or negative consequences on their credit reports. 

In light of this legal provision, it is evident that any late payment entry on my credit report must adhere to the guidlines outlined in 15 U.S. Code 1666b. I assert that my payments to XXXX XXXX XXXX XXXX were made within the stipulated grace period, thereby negating any grounds for reporting a late payment. 

Furthermore, the inaccurate representation of the timing of payments on my credit report not only violates the FCRA but also undermines the integrity and reliability of the credit reporting process. As a consumer, I rely on accurate and transparent credit reporting to assess my financial standing and make informed decisions. 

Therefore, I demand a comprehensive review of the disputed late payment entry, taking into account the provisions of 15 U.S. Code 1666b regarding the timing of payments. Any inaccuracies must be rectified promptly, and the erroneous entry expunged from my credit report to ensure compliance with the FCRA and uphold the accuracy of my credit history. 

Failure to address this dispute in accordance with the legal provisions outlined in 15 U.S. Code 1666b may necessitate further action to protect my rights under the FCRA and mitigate any adverse effects on my creditworthiness. 

Thank you for your attention to this matter, and I look forward to receiving confirmation of the corrective actions taken.

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 2024-05-14 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: GA

Complaint narrative:
Subject : 15 U.S. Code 1666b - Timing of payments I am writing to formally dispute the inclusion of a late payment entry on my credit report, attributed to XXXX XXXX XXXX XXXX for the month of [ Month/Year ]. This dispute arises from a fundamental misunderstanding of the timing of payments, as outlined in 15 U.S. Code 1666b of the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I was dismayed to discover an entry indicating a delinquency in my payment history with XXXX XXXX XXXX XXXX. However, it is crucial to clarify that the timing of payments under the FCRA allows for a grace period before a payment is considered late. 

Acording to 15 U.S. Code 1666b, creditors are required to provide consumers with a reasonable amount of time to make payments before imposing late fees or reporting delinquencies to credit bureaus. This grace period ensures that consumers have sufficient time to submit payments without incurring penalties or negative consequences on their credit reports. 

In light of this legal provision, it is evident that any late payment entry on my credit report must adhere to the guidlines outlined in 15 U.S. Code 1666b. I assert that my payments to XXXX XXXX XXXX XXXX were made within the stipulated grace period, thereby negating any grounds for reporting a late payment. 

Furthermore, the inaccurate representation of the timing of payments on my credit report not only violates the FCRA but also undermines the integrity and reliability of the credit reporting process. As a consumer, I rely on accurate and transparent credit reporting to assess my financial standing and make informed decisions. 

Therefore, I demand a comprehensive review of the disputed late payment entry, taking into account the provisions of 15 U.S. Code 1666b regarding the timing of payments. Any inaccuracies must be rectified promptly, and the erroneous entry expunged from my credit report to ensure compliance with the FCRA and uphold the accuracy of my credit history. 

Failure to address this dispute in accordance with the legal provisions outlined in 15 U.S. Code 1666b may necessitate further action to protect my rights under the FCRA and mitigate any adverse effects on my creditworthiness. 

Thank you for your attention to this matter, and I look forward to receiving confirmation of the corrective actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have an inquiry from SYNCB/AMAZON on my XXXX credit report. This is a hard pull and I no association with this company and I have never asked for any kind of services, nor asked to open an account with them. XXXX asked me to submit a report here and get a letter so they could remove it.

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 2024-05-14 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: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-05-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Kindly delete these inquiries. I have no knowledge of them, and the company made them without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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:
Kindly delete these inquiries. I have no knowledge of them, and the company made them without my consent.

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 2024-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
They refused to provide an advisor to help me with the forebearance! And I asked many times for that. But they told me to go online and fill it out. I dont know how to do that : they suggested that I call them. But its hard for me to call because I am XXXX. Its hard for me to fill it out while I am on the phone! They are disrespectful. I told the many times that I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: FL

Complaint narrative:
According to FCRA 605B, it is required to remove any incorrect accounts from my credit report. Please review the documents, as some accounts are inaccurately reported. I should receive {$1000.00} for each erroneous report on my credit file.

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 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I consistently make timely payments. I'm certain about this. What I'm unsure about is why this company is reporting me as late for certain months, which shouldn't be the case. According to USC 1666b, any billing errors should be corrected, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.

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 2024-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2024 at approximately XXXX XXXX  EST I went to a SUNCOAST CREDIT UNION BANK located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL and spoke with a associate by the name of XXXX XXXX ( ID XXXX ) who is a member service advocate at SUNCOAST CREDIT UNION about a special deposit Tendered so settle the account for credit card they alleged I owed and agreed to pay the debt. I sent a special deposit money order by certified mail on XX/XX/2024. I received notice on XX/XX/2024 The money order was picked up and signed for but have not heard any response or update to my account balance to reflect the account being settled.I also agreed to pay on the condition they provide me with Verification/Validation of Alleged Debt. I was unable to receive the documents requested. I spoke with another representative on XX/XX/2024 at approximately XXXX XXXX  by the name of XXXX ( ID XXXX ), Member Escalation Analyst with Suncoast Credit Union. Who was unable to provide me with the documents demanded for proof of claim showing the binding contract between both SUNCOAST CREFIT UNION AND ME I also spoke with XXXX ( ID XXXX ) Research Department Suncoast Credit Union XXXX XXXX XXXX XXXX | XXXX | XXXX, FL XXXX P XXXX | F XXXX and they were unable to provide me with the documents to 1. Validate/Verify the debt with the actual accounting for the contract, 2. Verification of claim showing the signed invoice, A copy of the contract finding both Suncoast credit Union and me in a letter certified mail so that there is a independent witness to it being delivered without prejudice. I was not provided for disclosure, equal consideration, lawful terms or conditions XXXX, wet in signature of both parties, being Suncoast, credit union and me. I have Tried calling and going in branch to get this account settled and resolved but out of all the member I have documented speaking to none have been able to provide me with the documents Demanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: NJ

Complaint narrative:
he List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. And 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 suppose 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 suppose 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 2024-05-14 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: NJ

Complaint narrative:
he List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. And 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 suppose 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 suppose 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: CA

Complaint narrative:
I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I can not contact Experian. Tried multiple times on XX/XX/year>. They only have an automated phone number. Never is a person available during typical day business hours. I can not access their website. Apparently, there is another person with my name that is using my personal information that is only identified through Experian and has a XXXX email account that they recognize but not mine. I was denied credit because of this but did not know of the situation. I should not have to pay a monthly fee to protect my credit. 
I am writing them a letter and you will be copied. This is poor customer service and no consumer protection when the real person is the victim. HELP! 
Can you require them to have a person available by phone or e-mail to resolve issues like the other two credit bureaus or get rid of them when they do not help.

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 2024-05-14 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: TX

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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