{"took":78,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1276,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3531452","_score":13.627835,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX. \n\nAfter submitting complaint ( s ) XXXX. I got a call from chase executive office and from a XXXX on a voice mail on my cell. XXXX ext. XXXX. When I called him back I left a voice mail message for him. Later today he called my voice mail back. Then just now at XXXX PST or XXXX : XXXX  PST ( Eastern Time ) today on Friday, I called him again and got his voicemail again it appears that Chase does not want to resolve this. This has become very frustrating for me and inconvenient over a very simple matter. They have handled this in a very improper unprofessional manner. \n\nIf this still is not resolved by next week I am thinking of adding a consumer statement to my XXXX  report and flagging my report to the effect that the Chase account is over > 10 years and is possibly in non compliance with the FCRA because of inaccuracies. \n\nAlso will forward a copy to the XXXX  for compliance review. For sure I will never deal with Chase again and I have heard complaints from many people as well thank you for letting me bring this to your attention XXXX XXXX Friday XX/XX/2020","date_sent_to_company":"2020-02-13T21:52:05.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92832","tags":"Older American","has_narrative":true,"complaint_id":"3531452","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-02-13T21:20:51.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["If this still is not resolved by next week I am thinking of adding a <em>consumer</em> statement to my XXXX  report and flagging my report to the effect that the Chase account is over > 10 years and is possibly in non <em>compliance</em> with the FCRA <em>because</em> of inaccuracies. \n\nAlso will forward a copy to the XXXX  for <em>compliance</em> review. For sure I will never deal with Chase again and I have heard complaints from many people as well thank you for letting me bring this to your attention XXXX XXXX Friday XX/XX/2020"],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"]},"sort":[13.627835,"3531452"]},{"_index":"complaint-public-v1","_id":"7246686","_score":13.235598,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"The first of this year when I was trying to get a house I became aware of this account with CBNAXXXX XXXXXXXX. I disputed with the credit bureaus but it came back verified. I couldn't believe it. I filed a FTC identity theft report because I knew someone used my information without my consent. I called the bank that issued this card and they notated my account and said they would mail a fraud package. This was XXXX months ago. This company continues to report this account even after I submitted my identity theft report and all XXXX  bureaus. Because of this account I'm unable to close on my dream house. They are aware of the fraud and yet continue to report it to the credit bureaus. I do not owe the balance their attempting to collect because the charges were unauthorized by me because of the fraud.This is a violation of my consumer rights and is wilful non compliance of the FCRA 605B, FDCPA, and FCBA. I state this record of the improper handling from this company and request an investigation. Last 4 of SSN XXXX","date_sent_to_company":"2023-07-14T00:58:16.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"291XX","tags":null,"has_narrative":true,"complaint_id":"7246686","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-07-14T00:28:13.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["I do not owe the balance their attempting to collect <em>because</em> the charges were unauthorized by me <em>because</em> of the fraud.This is a violation of my <em>consumer</em> rights and is wilful non <em>compliance</em> of the FCRA 605B, FDCPA, and FCBA. I state this record of the improper handling from this company and request an investigation. Last 4 of SSN XXXX"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.235598,"7246686"]},{"_index":"complaint-public-v1","_id":"19242144","_score":12.9711685,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this complaint because Citibank has engaged in what appears to be a pattern and practice of obstructing the consumer dispute process by asserting that additional information is required while failing to provide the required notice or correspondence identifying what information is needed. \n\nCitibank has represented that it needs more information from me in order to proceed with my credit-card dispute. However, no such letter, notice, or request exists in my account records, online portal, or correspondence history, nor was any such notice received by mail or electronically. Citibank has been unable or unwilling to produce the alleged correspondence upon request. \n\nThis conduct places the consumer in an impossible positionCitibank asserts non-compliance while simultaneously withholding or failing to generate the very notice required for compliance. This appears to be a systemic failure in Citibanks dispute-handling, recordkeeping, and consumer notification processes, rather than an isolated incident.\n\nThe practical effect of this pattern and practice is to delay, deny, or discourage legitimate disputes by creating artificial procedural barriers, while shifting blame to the consumer for not responding to a notice that was never provided. Such conduct undermines the purpose of the Fair Credit Billing Act and related consumer-protection requirements. \n\nDespite repeated efforts to obtain clarification, Citibank has not identified the specific information allegedly requested, nor produced evidence that proper notice was ever issued. As a result, I have been deprived of a meaningful opportunity to respond, cure, or participate in the dispute process.","date_sent_to_company":"2026-02-04T16:02:06.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"067XX","tags":null,"has_narrative":true,"complaint_id":"19242144","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-02-04T15:56:44.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["However, no such letter, notice, or request exists in my account records, online portal, or correspondence history, nor was any such notice received by <em>mail</em> or electronically. Citibank has been unable or unwilling to produce the alleged correspondence upon request. \n\nThis conduct places the <em>consumer</em> in an impossible positionCitibank asserts non-<em>compliance</em> while simultaneously withholding or failing to generate the very notice required for <em>compliance</em>."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[12.9711685,"19242144"]},{"_index":"complaint-public-v1","_id":"5064398","_score":12.933517,"_source":{"product":"Mortgage","complaint_what_happened":"TILA violations 1. Company removed contract out of the system to avoid TILA and it is notated that in my file with NACA. \n2. I did not get anything in writing within the three-day time frame and NACA works on Saturday.\n\n3. I also did not get anything in writing about XXXX accommodation. \nI had no frustration with my housing counselor, and she was wonderful, but my complaints came from management with my loan file. \n\n\nProviding Loan Estimates to Consumers- 1. When is a creditor required to provide a Loan Estimate to a consumer?\n\nHide Generally, a creditor is responsible for ensuring that a Loan Estimate is delivered to a consumer or placed in the mail to the consumer no later than the third business day after receipt of the consumers application for a mortgage loan subject to the TRID Rule. 12 CFR 1026.19 ( e ) ( 1 ) ( iii ).\n\nFor transactions subject to the TRID Rule, an application consists of the submission of the following six pieces of information : The consumers name ; The consumers income ; The consumers social security number to obtain a credit report ; The property address ; An estimate of the value of the property ; and The mortgage loan amount sought.\n\n12 CFR 1026.2 ( a ) ( 3 ) ( ii ).\n\nIf the consumer submits these six pieces of information, the requirement to provide a Loan Estimate is triggered, and the creditor must ensure that the Loan Estimate is delivered or placed in the mail within three business days. The creditor or, if a mortgage broker receives a consumers application, either the creditor or the mortgage broker may mail or deliver the Loan Estimate.\n\nBecause the definition of application refers to the submission of the six pieces of information, merely maintaining such information from a previous transaction or business relationship does not constitute receipt of an application ( unless the consumer indicates that the information maintained by the creditor should be used as part of an application ). Additionally, if a consumer starts filling out a form online, enters the six pieces of information that constitute an application for purposes of the TRID Rule, but then saves the form to complete at a later time, the consumer has not submitted the six pieces of information that constitute an application for purposes of the TRID Rule. See 78 Federal Register 79730, 79768 ( Dec. 31, 2013 ).\n\nhttps : //www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/tila-respa-integrated-disclosures/tila-respa-integrated-disclosure-faqs/","date_sent_to_company":"2022-01-18T16:11:29.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"30904","tags":null,"has_narrative":true,"complaint_id":"5064398","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Neighborhood Assistance Corporation of America (\"NACA\")","date_received":"2022-01-03T15:47:23.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["If the <em>consumer</em> <em>submits</em> these six pieces of information, the requirement to provide a Loan Estimate is triggered, and the creditor must ensure that the Loan Estimate is delivered or placed in the <em>mail</em> within three business days. The creditor or, if a mortgage broker receives a <em>consumers</em> application, either the creditor or the mortgage broker may <em>mail</em> or deliver the Loan Estimate."]},"sort":[12.933517,"5064398"]},{"_index":"complaint-public-v1","_id":"14841265","_score":12.727938,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX  XXXX Washington , DC XXXX Subject : Complaint Regarding Unauthorized Disputes and Mishandled Mailings by Experian Credit Bureau To Whom It May Concern, I am writing to formally file a complaint against * * Experian Credit Bureau * * due to significant concerns regarding the unauthorized opening of disputes on my credit file, as well as mishandling of mailed correspondence I submitted.\n\nRecently, I discovered that Experian has initiated disputes on my credit report without my knowledge or authorization. I spoke to XXXX @ XXXX XXXX on XXXX in which he informed me that Disputes other than the Disputes I sent in Certified Mail with ALL RELEVANT BACK-UP ON CREDITORS/COLLECTORS. At no point did I contact Experian to open these disputes, nor did I grant permission for any third party to do so on my behalf. This unauthorized action is extremely concerning and compromises the integrity of my consumer credit profile. Additionally, I have sent certified mail to Experian containing detailed disputes regarding inaccurate and inconsistent information on my credit file. These mailings included all relevant supporting documentation. However, Experian has failed to acknowledge or process all of the disputes I submitted, claiming they did not receive certain items. I also received an email  today XXXX stating that they were unable to honor your request because that I need to indicate the specific item I am disputing. I was confused by this email because I know I sent in significant back-up support my reason for deletion of accounts. \n\nThis prompted me to check my Experian Dispute Report and that is when I saw multiple disputes opened without my consent. I ACTUALLY HAVE MOST OF THE REMAINING DISPUTES READY TO GO IN THE MAIL WITH AGAIN ALL SUPPORTING DOCUMENTATION FOR WHY THE ACCOUNTS SHOULD BE REMOVED AND DELETED. The lack of proper handling and acknowledgment of my mailed disputes is unacceptable and raises concerns about procedural compliance and transparency. \n\nThese issues have caused undue stress and potential harm to my creditworthiness. I am requesting a thorough investigation into the following : 1. Why Experian has opened disputes on my behalf without consent.\n\n2. What internal processes are in place to prevent unauthorized disputes.\n\n3. The status and handling of the mailed disputes I submitted via certified mail.\n\n4. What actions will be taken to ensure all of my concerns and documentation are properly reviewed.\n\nPlease find enclosed copies of my certified mail receipts, letters, and any other documentation relevant to this matter.\n\nI respectfully request your agencies to investigate these actions and ensure my rights as a consumer under the * * Fair Credit Reporting Act ( FCRA ) * * are protected.\n\nThank you for your attention to this matter. I am available to provide any further documentation or clarification as needed. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-07-23T17:11:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"187XX","tags":null,"has_narrative":true,"complaint_id":"14841265","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-23T16:27:25.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["The status and handling of the <em>mailed</em> disputes I <em>submitted</em> via certified <em>mail</em>.\n\n4. What actions will be taken to ensure all of my concerns and documentation are properly reviewed.\n\nPlease find enclosed copies of my certified <em>mail</em> receipts, letters, and any other documentation relevant to this matter.\n\nI respectfully request your agencies to investigate these actions and ensure my rights as a <em>consumer</em> under the * * Fair Credit Reporting Act ( FCRA ) * * are protected."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[12.727938,"14841265"]},{"_index":"complaint-public-v1","_id":"15166973","_score":12.668034,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"What happened : On XX/XX/2025, I contacted TransUnion to dispute several unauthorized hard inquiries on my credit report. I attempted to dispute these electronically through TransUnions online portal, in accordance with my rights under FCRA 611 ( a ) ( 1 ) ( 15 U.S.C. 1681i ) and CFPB Regulation V 1022.43, which require that disputes may be submitted through any channel available to the consumer, including electronic means. \nInstead, I was informed by XXXX XXXX, who identified himself as a supervisor, that : My dispute would only be accepted via mail, not electronically ; My request for escalation to TransUnions compliance department was denied ; No contact information for the compliance or complaint department would be provided ; This case can not be escalated without me first obtaining documentation from the creditor or filing a police/FTC report requirements not supported by the FCRA for initiating a reinvestigation.\n\nThis refusal to accept an electronic dispute and to escalate my complaint is a willful violation of the FCRA and CFPB rules. The FCRA requires a reasonable reinvestigation whenever a consumer disputes the accuracy of information directly with the bureau and does not allow the bureau to reject a dispute simply because the consumer will not mail physical documents.\n\nAs a result of TransUnions refusal to process my dispute electronically, the inaccurate inquiries remain on my credit report, lowering my credit score. This lower score is currently preventing me from securing mortgage approval for a pending home purchase, causing actual financial harm.\n\nSupporting evidence : I have retained a full transcript of my conversation with XXXX XXXX in which he confirms the above statements, admits to being a supervisor, and refuses escalation or compliance contact information. I will provide this transcript upon request.","date_sent_to_company":"2025-08-08T20:56:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"40342","tags":null,"has_narrative":true,"complaint_id":"15166973","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-08T20:47:58.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["The FCRA requires a reasonable reinvestigation whenever a <em>consumer</em> disputes the accuracy of information directly with the bureau and does not allow the bureau to reject a dispute simply <em>because</em> the <em>consumer</em> will not <em>mail</em> physical documents.\n\nAs a result of TransUnions refusal to process my dispute electronically, the inaccurate inquiries remain on my credit report, lowering my credit score."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[12.668034,"15166973"]},{"_index":"complaint-public-v1","_id":"18702034","_score":12.599347,"_source":{"product":"Checking or savings account","complaint_what_happened":"I submit this complaint concerning TD Banks XXXX, New York branch and its refusal to open a consumer bank account based on my address information. \nOn or about Friday, XX/XX/year> I appeared in person at TD Banks XXXX branch seeking to open a standard consumer deposit account. \n\nXXXX personnel declined to process my application, stating that because I utilize a P.O. Box for mail and because a XXXX address appears on my identification, the account could not be opened at that location and that I would need to go back to XXXX XXXX XXXXXXXX to do so. \n\nNo individualized inquiry was made regarding my identity verification, banking history, creditworthiness, or risk profile. No compliance-based justification was explained. The refusal was categorical and based solely on geographic considerations. \nI am concerned that this practice improperly restricts access to banking services based on perceived residency rather than legitimate regulatory or risk-based criteria. I respectfully request that TD Bank be required to provide a written explanation identifying the specific policy relied upon, whether that policy is branch-specific or institution-wide, and how it complies with applicable federal consumer protection requirements. \n\nThank you for your attention to this matter.","date_sent_to_company":"2026-01-20T21:48:11.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"18702034","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2026-01-14T01:01:36.000Z","state":"NY","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["I <em>submit</em> this complaint concerning TD Banks XXXX, New York branch and its refusal to open a <em>consumer</em> bank account based on my address information. \nOn or about Friday, XX/XX/year> I appeared in person at TD Banks XXXX branch seeking to open a standard <em>consumer</em> deposit account. \n\nXXXX personnel declined to process my application, stating that <em>because</em> I utilize a P.O."]},"sort":[12.599347,"18702034"]},{"_index":"complaint-public-v1","_id":"9510631","_score":12.576827,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"FTC Report Number : XXXX : XXXX, Experian, XXXX is reporting Fraudulent addresses that aren't my current address when I called all three agencies I was declined to remove the address after submitting my Identification by mail they still refuse to update my address. I never lived at these address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, 15 U.S. Code 1681g - Disclosures to consumers, 15 U.S. Code 1681e ( a ) ( b ) - Compliance procedures. I don't receive any mail at these address. I applied for a loan and was informed by my lender that the address on my ID doesn't match my current address. I was turned down because these agencies refuse to remove these address. Experian updated my current address and then deleted my current address and placed this fraudulent address on my credit report","date_sent_to_company":"2024-07-16T06:13:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"84092","tags":null,"has_narrative":true,"complaint_id":"9510631","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-16T05:53:07.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["Code 1681e ( a ) ( b ) - <em>Compliance</em> procedures. I don't receive any <em>mail</em> at these address. I applied for a loan and was informed by my lender that the address on my ID doesn't match my current address. I was turned down <em>because</em> these agencies refuse to remove these address. Experian updated my current address and then deleted my current address and placed this fraudulent address on my credit report"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[12.576827,"9510631"]},{"_index":"complaint-public-v1","_id":"15929535","_score":12.492276,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because Equifax failed to properly handle my consumer dispute in violation of the Fair Credit Reporting Act ( FCRA ). \n\nOn XX/XX/year> I submitted a dispute regarding inaccurate information appearing on my Equifax credit report. Along with my dispute, I included a copy of my valid state drivers license and a recent piece of mail ( showing my full name and current address ) as proof of my identity and residence. \n\nDespite my full compliance, Equifax sent me a letter claiming they could not proceed and requested that I verify my identity again. This response is a stall tactic and is not in compliance with the FCRA. The documents I provided already meet the CFPBs published guidance for acceptable proof of identity ( government-issued photo ID and a utility bill, bank statement, or insurance statement ). \n\nThis process has already cost me time, money, and effort : I had to gather documentation and mail it to Equifax. \nI incurred postage and printing costs. \nI lost valuable time waiting for their reply, only to be told to start over. \n\nBy refusing to accept valid identification, Equifax has failed to fulfill its obligation to reinvestigate disputed information within 30 days under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Their refusal unfairly increases the burden on me and delays my rights under federal law to correct inaccurate information.","date_sent_to_company":"2025-09-14T19:56:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"350XX","tags":null,"has_narrative":true,"complaint_id":"15929535","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-14T19:24:54.000Z","state":"AL","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I am filing this complaint <em>because</em> Equifax failed to properly handle my <em>consumer</em> dispute in violation of the Fair Credit Reporting Act ( FCRA ). \n\nOn XX/XX/year> I <em>submitted</em> a dispute regarding inaccurate information appearing on my Equifax credit report. Along with my dispute, I included a copy of my valid state drivers license and a recent piece of <em>mail</em> ( showing my full name and current address ) as proof of my identity and residence."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[12.492276,"15929535"]},{"_index":"complaint-public-v1","_id":"11177569","_score":12.480322,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my consumer report I notice XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX  have furnished alleged late payments to the credit reporting agencies. \nThe only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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. \nFor any creditor to treat a payment as late you must prove the following : 1 ) Each Periodic statement ; and 2 ) The information required under 15 USC 1637 ( b ) of this title ; 3 ) was mailed out or delivered ; 4 ) 21 Days before the payment due date 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer!\n\nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that show proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.\n\nDo not reply to me stating that you are furnishing accurate information because we both know you have not.\n\nDo not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1666b & 1637 ( b ).\n\nIn addition to the 16 USC 1666b requirements the alleged late payment that you have furnished is negative information and as a financial institution by law you are required to be in compliance with 15 USC 1681 s-2 ( 7 ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) NEGATIVE INFORMATION ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.\n\n( ii ) Notice effective for subsequent submissions After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 1681a ( p ) of this title with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.\n\n( B ) Time of notice ( i ) In general The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 1681a ( p ) of this title.","date_sent_to_company":"2024-12-16T04:58:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33169","tags":null,"has_narrative":true,"complaint_id":"11177569","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2024-12-16T04:40:39.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I request in good faith under rule 1002 the documents that show proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was <em>mailed</em> out or delivered 21 days before the payment due date.\n\nDo not reply to me stating that you are furnishing accurate information <em>because</em> we both know you have not.\n\nDo not tell me this information is verified <em>because</em> you have not <em>submitted</em> proof of <em>compliance</em> with section 15 USC 1666b & 1637 ( b )."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[12.480322,"11177569"]},{"_index":"complaint-public-v1","_id":"11177240","_score":12.463572,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my consumer report I notice XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX  have furnished alleged late payments to the credit reporting agencies. \nThe only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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.\n\nFor any creditor to treat a payment as late you must prove the following : 1 ) Each Periodic statement ; and 2 ) The information required under 15 USC 1637 ( b ) of this title ; 3 ) was mailed out or delivered ; 4 ) 21 Days before the payment due date 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer!\n\nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that show proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.\n\nDo not reply to me stating that you are furnishing accurate information because we both know you have not.\n\nDo not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1666b & 1637 ( b ).\n\nIn addition to the 16 USC 1666b requirements the alleged late payment that you have furnished is negative information and as a financial institution by law you are required to be in compliance with 15 USC 1681 s-2 ( 7 ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) NEGATIVE INFORMATION ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.\n\n( ii ) Notice effective for subsequent submissions After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 1681a ( p ) of this title with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.\n\n( B ) Time of notice ( i ) In general The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 1681a ( p ) of this title.","date_sent_to_company":"2024-12-16T04:58:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33169","tags":null,"has_narrative":true,"complaint_id":"11177240","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2024-12-16T04:58:30.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I request in good faith under rule 1002 the documents that show proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was <em>mailed</em> out or delivered 21 days before the payment due date.\n\nDo not reply to me stating that you are furnishing accurate information <em>because</em> we both know you have not.\n\nDo not tell me this information is verified <em>because</em> you have not <em>submitted</em> proof of <em>compliance</em> with section 15 USC 1666b & 1637 ( b )."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[12.463572,"11177240"]},{"_index":"complaint-public-v1","_id":"12848369","_score":12.424775,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint against Experian for their continued failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) in connection with multiple derogatory Self Lender accounts ( including XXXX XXXXXXXX XXXX XXXX and XXXX ). \n\n***Delayed Response : Violation of the XXXX Requirement On XX/XX/year>, I mailed a written dispute to Experian, and XXXX have XXXX proof of XXXX confirming they received it. Despite this, Experian failed to respond until XX/XX/year>, violating the XXXX timeline required under FCRA XXXX XXXX a ). \n\nWhen they finally responded, the dispute results contained inaccurate and invalid creditor addresses. I followed their instructions and mailed XXXX certified letters to the addresses they provided all of which were returned as undeliverable. \n\n***Experians Manipulative Conduct and Disregard for the Law Rather than admit their failure to meet FCRA obligations or provide accurate data, Experian : Initiated a new dispute on XX/XX/year> without any request or action from me. \nUpdated the creditor addresses silently without acknowledging their original failure. \nClosed the new dispute to give the appearance of compliance while evading the consequences of their original non-response. \n\n***Important Clarification : I Never Requested the XXXX Dispute To be clear, I have not submitted any dispute requests through Experians online portal since my original mailed dispute in XXXX. \n\nIn fact, I intentionally chose to handle my disputes exclusively by mail because I have previously witnessed Experian open disputes and close them without my consent or direction a practice that undermines transparency, accountability, and the integrity of the process. \n\nWhen Experian opens disputes without consumer initiation, it muddies the investigative timeline, creates fraudulent audit trails, and serves as a mechanism to delay or evade legal responsibility. This conduct is not only deceptive it undermines the consumer protection framework entirely.","date_sent_to_company":"2025-04-06T15:59:06.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91387","tags":null,"has_narrative":true,"complaint_id":"12848369","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-06T15:47:50.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Closed the new dispute to give the appearance of <em>compliance</em> while evading the consequences of their original non-response. \n\n***Important Clarification : I Never Requested the XXXX Dispute To be clear, I have not <em>submitted</em> any dispute requests through Experians online portal since my original <em>mailed</em> dispute in XXXX."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[12.424775,"12848369"]},{"_index":"complaint-public-v1","_id":"13912489","_score":12.373997,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The only way a creditor can treat a payment as late falls under XXXX U.S. CXXXX  XXXXb - Timing of payments ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. \nIn order for any creditor to treat a payment as late you must prove that : The information required under XXXX USC XXXX ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. \nXXXX USC XXXX ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. \nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule XXXX the documents that shows proof that the information pursuant section XXXX USC XXXX and XXXX ( b ) of this title was mailed out or delivered 21 days before the payment due date. \nDo not rely to me stating that you are furnishing accurate information because we both know your not. \nDo not tell me this information is verified because you have not submitted proof of compliance with section XXXX USC XXXX ( 2 ) XXXX and XXXX USC XXXX & XXXX ( b ). \nIf you can not provide the proof of the mailing or delivery of the information required by section XXXX you can not treat a payment as late which means you have also violated section XXXX USC XXXX. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late :","date_sent_to_company":"2025-06-05T22:04:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"13912489","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-06-05T21:58:58.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I request in good faith under rule XXXX the documents that shows proof that the information pursuant section XXXX USC XXXX and XXXX ( b ) of this title was <em>mailed</em> out or delivered 21 days before the payment due date. \nDo not rely to me stating that you are furnishing accurate information <em>because</em> we both know your not. \nDo not tell me this information is verified <em>because</em> you have not <em>submitted</em> proof of <em>compliance</em> with section XXXX USC XXXX ( 2 ) XXXX and XXXX USC XXXX & XXXX ( b )."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[12.373997,"13912489"]},{"_index":"complaint-public-v1","_id":"13578476","_score":12.307256,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Kickoff Lending, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent Kickoff Lending, in your recent response letter regarding my dispute about the alleged late payments to the above account, you assure understanding of the impact that accurate payment history can have on a credit report, and that it is your goal to support the consumer in maintaining positive credit outcomes. I am led to believe this narrative to be FALSE, and that you do not care about furnishing accurate information to my consumer report because if you did you would consider proper compliance and procedures in accordance with the FCRA! You, Kickoff Lending are still furnishing inaccurate information to my consumer report and here is how : 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), 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 ; My transactions and experiences with your company are excluded from the consumer report.\n\nYou have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. \nThe only way a creditor can treat a payment as late falls under : 15 U.S. Code 1666b - Timing of payments ( 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 no later than 21 days before the payment due date. These requirements have nothing to do with an overlooked email. \n\nIn order for any creditor to treat a payment as late you must prove that : ( 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. Please provide the proof that this information was mailed out or delivered 21 days before the payment due date.\n\n( 2 ) 15 USC 1637 ( b ) is very specific on ALL required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.\n\nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.\n\nDo not reply to me stating that you are furnishing accurate information because we both know you are not! It is evident that TRANSACTIONS and EXPERIENCES are not to be furnished to my consumer report, and I have not received any of the required notices in the mail in reference to 1666b along with 1637 ( b ) to meet the standard of compliance according to the FCRA. You should have the requested proof of compliance if you are reporting accurate information as you claim to be. These compliance measures have no relevance to a terms of agreement form, list of scheduled payment dates, and a generous grace period. These factors do not suffice for accurate furnishing to my consumer report, therefore, the genuine alleged late or missed payments must be removed from the account, regardless of status. \n\nDo not tell me the alleged late payments being furnished to my consumer report is verified when you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and ALL the documents required with 15 USC 1666b,1637 ( b ) and the notice from 15 USC s-2 ( 7 ).\n\nIf you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : Account # XXXX Regards, XXXX XXXX _________________________________ Without Recourse UCC XXXX","date_sent_to_company":"2025-05-18T05:45:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30310","tags":null,"has_narrative":true,"complaint_id":"13578476","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Kikoff Inc.","date_received":"2025-05-18T05:35:13.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am led to believe this narrative to be FALSE, and that you do not care about furnishing accurate information to my <em>consumer</em> report <em>because</em> if you did you would consider proper <em>compliance</em> and procedures in accordance with the FCRA! You, Kickoff Lending are still furnishing inaccurate information to my <em>consumer</em> report and here is how : 15 U.S."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[12.307256,"13578476"]},{"_index":"complaint-public-v1","_id":"8889896","_score":12.127928,"_source":{"product":"Credit card","complaint_what_happened":"Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent SELFINC/XXXX you furnished alleged transaction on my XXXX, XXXX, XXXX that you identified as late. \n\n15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) 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 ; My transactions and experiences with your company are excluded from the consumer report. \n\nYou have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. \n\nThe only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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. \n\nIn order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.\n\n2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.\n\nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.\n\nDo not rely to me stating that you are furnishing accurate information because we both know youre not.\n\nDo not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).","date_sent_to_company":"2024-04-30T13:03:59.000Z","issue":"Improper use of your report","sub_product":"General-purpose credit card or charge card","zip_code":"33009","tags":null,"has_narrative":true,"complaint_id":"8889896","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2024-04-30T13:00:07.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was <em>mailed</em> out or delivered 21 days before the payment due date.\n\nDo not rely to me stating that you are furnishing accurate information <em>because</em> we both know youre not.\n\nDo not tell me this information is verified <em>because</em> you have not <em>submitted</em> proof of <em>compliance</em> with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b )."]},"sort":[12.127928,"8889896"]},{"_index":"complaint-public-v1","_id":"13917636","_score":12.109077,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The only way a creditor can treat a payment as late falls under XXXX XXXX Code XXXX - Timing of payments ( a ) Time to Make Payments A creditor XXXX not treat a payment on a XXXX  card account under an XXXX XXXX XXXX XXXX  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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. \nIn order for any creditor to treat a payment as late you must prove that : The information required under XXXX XXXX XXXX ( b ) of this title was mailed out or delivered XXXX Days before the payment due date please provide the proof that this information was mailed out or delivered XXXX days before the payment due date. \nXXXX XXXX XXXX ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have XXXX  days to send me all the required information. \nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule XXXX the documents that shows proof that the information pursuant section XXXX XXXX XXXX and XXXX ( b ) of this title was mailed out or delivered XXXX days before the payment due date. \nDo not rely to me stating that you are furnishing accurate information because we both know your not. \nDo not tell me this information is verified because you have not submitted proof of compliance with section XXXX XXXX XXXX ( XXXX ) XXXX and XXXX XXXX XXXX & XXXX ( b ). \nIf you can not provide the proof of the mailing or delivery of the information required by section XXXX you can not treat a payment as late which means you have also violated section XXXX XXXX XXXX. You have XXXX Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late :","date_sent_to_company":"2025-06-05T18:04:55.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"13917636","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-06-05T17:50:16.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I request in good faith under rule XXXX the documents that shows proof that the information pursuant section XXXX XXXX XXXX and XXXX ( b ) of this title was <em>mailed</em> out or delivered XXXX days before the payment due date. \nDo not rely to me stating that you are furnishing accurate information <em>because</em> we both know your not. \nDo not tell me this information is verified <em>because</em> you have not <em>submitted</em> proof of <em>compliance</em> with section XXXX XXXX XXXX ( XXXX ) XXXX and XXXX XXXX XXXX & XXXX ( b )."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[12.109077,"13917636"]},{"_index":"complaint-public-v1","_id":"13917234","_score":12.099567,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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.\n\nIn order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.\n\n15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. \nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.\n\nDo not rely to me stating that you are furnishing accurate information because we both know your not.\n\nDo not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).\n\nIf you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late :","date_sent_to_company":"2025-06-05T18:17:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"13917234","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-05T18:13:45.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was <em>mailed</em> out or delivered 21 days before the payment due date.\n\nDo not rely to me stating that you are furnishing accurate information <em>because</em> we both know your not.\n\nDo not tell me this information is verified <em>because</em> you have not <em>submitted</em> proof of <em>compliance</em> with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b )."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[12.099567,"13917234"]},{"_index":"complaint-public-v1","_id":"13913978","_score":12.099567,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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.\n\nIn order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.\n\n15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.\n\nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.\n\nDo not rely to me stating that you are furnishing accurate information because we both know your not.\n\nDo not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).\n\nIf you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late :","date_sent_to_company":"2025-06-05T22:17:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"13913978","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-05T22:12:57.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was <em>mailed</em> out or delivered 21 days before the payment due date.\n\nDo not rely to me stating that you are furnishing accurate information <em>because</em> we both know your not.\n\nDo not tell me this information is verified <em>because</em> you have not <em>submitted</em> proof of <em>compliance</em> with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b )."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[12.099567,"13913978"]},{"_index":"complaint-public-v1","_id":"13913694","_score":12.098644,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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.\n\nIn order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.\n\n15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.\n\nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.\n\nDo not rely to me stating that you are furnishing accurate information because we both know your not.\n\nDo not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).\n\nIf you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late :","date_sent_to_company":"2025-06-05T22:10:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"13913694","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-06-05T22:05:47.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was <em>mailed</em> out or delivered 21 days before the payment due date.\n\nDo not rely to me stating that you are furnishing accurate information <em>because</em> we both know your not.\n\nDo not tell me this information is verified <em>because</em> you have not <em>submitted</em> proof of <em>compliance</em> with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b )."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[12.098644,"13913694"]},{"_index":"complaint-public-v1","_id":"13912310","_score":12.098644,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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.\n\nIn order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.\n\n15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.\n\nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.\n\nDo not rely to me stating that you are furnishing accurate information because we both know your not.\n\nDo not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).\n\nIf you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late :","date_sent_to_company":"2025-06-05T22:24:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"13912310","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-05T22:19:50.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was <em>mailed</em> out or delivered 21 days before the payment due date.\n\nDo not rely to me stating that you are furnishing accurate information <em>because</em> we both know your not.\n\nDo not tell me this information is verified <em>because</em> you have not <em>submitted</em> proof of <em>compliance</em> with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b )."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[12.098644,"13912310"]},{"_index":"complaint-public-v1","_id":"13918677","_score":12.092373,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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.\n\nIn order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.\n\n15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.\n\nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.\n\nDo not rely to me stating that you are furnishing accurate information because we both know your not.\n\nDo not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).\n\nIf you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late :","date_sent_to_company":"2025-06-05T18:12:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"13918677","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-05T18:06:04.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was <em>mailed</em> out or delivered 21 days before the payment due date.\n\nDo not rely to me stating that you are furnishing accurate information <em>because</em> we both know your not.\n\nDo not tell me this information is verified <em>because</em> you have not <em>submitted</em> proof of <em>compliance</em> with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b )."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[12.092373,"13918677"]},{"_index":"complaint-public-v1","_id":"13913470","_score":12.092373,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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.\n\nIn order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.\n\n15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.\n\nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. \nDo not rely to me stating that you are furnishing accurate information because we both know your not.\n\nDo not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).\n\nIf you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late :","date_sent_to_company":"2025-06-05T22:44:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"13913470","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-05T22:41:01.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was <em>mailed</em> out or delivered 21 days before the payment due date. \nDo not rely to me stating that you are furnishing accurate information <em>because</em> we both know your not.\n\nDo not tell me this information is verified <em>because</em> you have not <em>submitted</em> proof of <em>compliance</em> with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b )."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[12.092373,"13913470"]},{"_index":"complaint-public-v1","_id":"13912147","_score":12.092373,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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.\n\nIn order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.\n\n15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. \nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.\n\nDo not rely to me stating that you are furnishing accurate information because we both know your not.\n\nDo not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).\n\nIf you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late :","date_sent_to_company":"2025-06-05T22:31:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"13912147","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-06-05T22:27:15.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was <em>mailed</em> out or delivered 21 days before the payment due date.\n\nDo not rely to me stating that you are furnishing accurate information <em>because</em> we both know your not.\n\nDo not tell me this information is verified <em>because</em> you have not <em>submitted</em> proof of <em>compliance</em> with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b )."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[12.092373,"13912147"]},{"_index":"complaint-public-v1","_id":"13912724","_score":12.089817,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The only way a creditor can treat a payment as late falls under XXXX XXXX Code XXXX - Timing of payments ( a ) Time to Make Payments A creditor XXXX not treat a payment on a XXXX XXXX  account under an XXXX XXXX XXXX XXXX  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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. \nIn order for any creditor to treat a payment as late you must prove that : The information required under XXXX XXXX XXXX ( b ) of this title was mailed out or delivered XXXX  Days before the payment due date please provide the proof that this information was mailed out or delivered XXXX  days before the payment due date. \nXXXX XXXX XXXX ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have XXXX days to send me all the required information. \nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule XXXX the documents that shows proof that the information pursuant section XXXX XXXX XXXX and XXXX ( b ) of this title was mailed out or delivered XXXX days before the payment due date. \nDo not rely to me stating that you are furnishing accurate information because we both know your not. \nDo not tell me this information is verified because you have not submitted proof of compliance with section XXXX XXXX XXXX ( XXXX ) XXXX and XXXX XXXX XXXX & XXXX ( b ). \nIf you can not provide the proof of the mailing or delivery of the information required by section XXXX you can not treat a payment as late which means you have also violated section XXXX XXXX XXXX. You have XXXX Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late :","date_sent_to_company":"2025-06-05T22:40:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"13912724","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-05T22:36:36.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I request in good faith under rule XXXX the documents that shows proof that the information pursuant section XXXX XXXX XXXX and XXXX ( b ) of this title was <em>mailed</em> out or delivered XXXX days before the payment due date. \nDo not rely to me stating that you are furnishing accurate information <em>because</em> we both know your not. \nDo not tell me this information is verified <em>because</em> you have not <em>submitted</em> proof of <em>compliance</em> with section XXXX XXXX XXXX ( XXXX ) XXXX and XXXX XXXX XXXX & XXXX ( b )."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[12.089817,"13912724"]},{"_index":"complaint-public-v1","_id":"12965413","_score":12.027012,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint because Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) regarding my dispute of inaccurate information on my credit report. \n\nOn [ XX/XX/year> ], I submitted a written dispute to Experian regarding incorrect and inaccurate information appearing on my credit file. I sent this dispute via [ certified mail ], and it was recived by Experian on XX/XX/year>. \n\nUnder the FCRA, Experian is required to investigate and respond to consumer disputes within 30 days. However, as of today, [ XX/XX/year> ], more than 30 days have passed, and I have not received any response, investigation results, or communication from Experian regarding my dispute. \n\nThis lack of response is a direct violation of my rights under the FCRA and has caused unnecessary delays in correcting false information that negatively impacts my credit profile.\n\nWhat I want Experian to do : Immediately investigate the disputed information as required by law Remove or correct any inaccurate or unverifiable information on my credit report Provide a written explanation and summary of the investigation results Ensure compliance with the 30-day dispute resolution requirement moving forward","date_sent_to_company":"2025-04-13T19:14:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"751XX","tags":null,"has_narrative":true,"complaint_id":"12965413","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-13T18:59:24.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I am <em>submitting</em> this complaint <em>because</em> Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) regarding my dispute of inaccurate information on my credit report. \n\nOn [ XX/XX/year> ], I <em>submitted</em> a written dispute to Experian regarding incorrect and inaccurate information appearing on my credit file. I sent this dispute via [ certified <em>mail</em> ], and it was recived by Experian on XX/XX/year>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[12.027012,"12965413"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1276,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1276}]}},"product":{"doc_count":1276,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":854,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":849},{"key":"Other personal consumer report","doc_count":5}]}},{"key":"Debt 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