vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I am writing to you regarding a concerning discrepancy in the reporting of my credit history by Mercedes Benz Financial Services ( MBFS ) to XXXX, one of the major credit reporting agencies. My account number with MBFS is XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 1681, the legislative intent emphasizes the necessity for accurate and fair credit reporting to ensure consumers are not unfairly penalized. It is evident that MBFS 's reporting of a late payment on my car loan does not align with the accurate reporting on my XXXX account. 

Per subsection b4 of 15 U.S. Code 1666, which pertains to the correction of billing errors, MBFS is obligated to ensure the accuracy of the information it reports. The discrepancy in reporting the late payment contradicts the accurate information present on my other credit agency reports, indicating a potential error or misrepresentation by MBFS. 

Furthermore, in accordance with 15 U.S. Code 6802, MBFS is required to provide consumers with the option to opt out of certain information reporting, including late payments on credit reports. However, I was never provided with an opt-out form by MBFS, as mandated by subsection b of 15 U.S. Code 6802. This failure to provide an opt-out option infringes upon my rights as a consumer to control the dissemination of personal information and to operate fairly in commerce. 

The inaccurate reporting of this late payment has adversely affected my ability to engage in various financial transactions, including obtaining mortgages and extensions of credit lines. This discrepancy has caused significant distress and constraint for myself and my family, impeding our ability to participate fully and fairly in the economic marketplace. 

In light of these violations and the resulting adverse effects on my financial well-being, I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in MBFS 's reporting. I also request that MBFS be held accountable for their failure to provide me with the necessary opt-out information as required by law. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate credit reporting practices are upheld. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and DELETION due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This company is showing an old chargeoff on all of my credit reports. it has been giving me a hard time since i have been trying to obtain a car so i can get to and from work. i am in a completely different financial situation since my college days and i believe it is unfair for them to still be reporting this old information that is not reflective of who i cam as an adult. I need this account removed IMMEDIATELY since it has been having an effect on my life for a very long time now and i am tired of it. please help me CFPB can not take this any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This company is showing an old chargeoff on all of my credit reports. it has been giving me a hard time since i have been trying to obtain a car so i can get to and from work. i am in a completely different financial situation since my college days and i believe it is unfair for them to still be reporting this old information that is not reflective of who i cam as an adult. I need this account removed IMMEDIATELY since it has been having an effect on my life for a very long time now and i am tired of it. please help me CFPB can not take this any longer.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I think FCRA 605B says wrong accounts should be taken off credit reports. Please check the documents. Some accounts are wrong on my report, making me upset and sick.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC
State: WI

Complaint narrative:
Speedy Cash loan was in collection from XXXX. 
Speedy Cash sent my loan to XXXX XXXX XXXX in Kansas. 
XXXX sent a notice XX/XX/XXXX which was received by me through USPS. 

XXXX  are now received scheduling me for arrest. 

Lender and collection agency are both licensed by state and federal agencies. 
Please begin procedures to revoke all business licenses from Speedy Cash.com and XXXX XXXX XXXX. 

NO PAYMENT WILL BE MADE TO SPEEDY CASH OR XXXX. 

Restitution is now needed for the threat of arrest. 

Cancel all balances with XXXX XXXX XXXX immediately. 
XXXX sells customer information to scammers under various names. 
Scammers have all information from XXXX and lender files.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following account : XXXX : Account Ending XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am writing to bring to your attention a concerning discrepancy in the reporting of my credit history by XXXX, one of the major credit reporting agencies. Specifically, I am disputing the late payment reported on my credit card account with Barclays Bank, account number XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S. Code 1681, it is imperative that credit reporting agencies ensure the accuracy and fairness of the information they report. However, I have observed that Barclays Bank is inaccurately reporting a late payment on my account to XXXX. 

This discrepancy is particularly alarming as the late payment is not reflected on my credit report with XXXX, indicating an inconsistency in reporting among the major credit bureaus. Per subsection b4 of 15 U.S. Code 1666, which addresses the correction of billing errors, Barclays Bank is obligated to rectify any inaccuracies in reporting to ensure consistency across all credit agency reports. 

Additionally, in accordance with 15 U.S. Code 6802, Barclays Bank is required to provide consumers with the option to opt out of certain information reporting, such as late payments on credit reports. However, I have not received an opt-out form from Barclays Bank , as mandated by subsection b of 15 U.S. Code 6802. This failure to provide me with the necessary opt-out information violates my rights as a consumer to control the dissemination of personal information and operate fairly in commerce. 

The inaccurate reporting of this late payment has had significant adverse effects on my financial well-being and ability to engage in various transactions. It has hindered my ability to obtain mortgages and extensions of credit, causing undue stress and hardship for myself and my family. 

In light of these violations and the resulting impact on my financial rights, I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in Barclays Bank 's reporting. I also request that Barclays Bank be held accountable for their failure to provide me with the necessary opt-out information as required by law. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate credit reporting practices are upheld. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
A Charge off is a certificate of Indebtedness, which is income and must be removed. This is being disputed for the Account " XXXX XXXX ''. THE consumer report is being furnished from the account listed with several violations per Experian and inaccuracies. As provided the account has been charged off, written off, which indicates that the reported account is income. An account can not be charged off and be " past due ''. Experian has updated the account past due as of ( XX/XX/XXXX ). This is a reporting error by Experian and per the FCRA this account must be removed. This is a " Closed Account ''. Eye will also like to highlight the Company ; " XXXX XXXX '' was provided with an " OPT OUT '' by myself, by letter and phone, giving XXXX XXXXXXXX no consent to sharing my non-public personal information. Therefore " XXXX XXXX '' has no consent or permission to furnish my consumer report. Experian is in violation within 15 U.S code 1681a ( 2 ) ( i ), which advises a consumer report " does not '' include a report containing information solely as to transactions or experiences between the consumer and the person making the report. There shall only be Communication of that information among persons related by common ownership or affiliated by corporate control. Experian is not an affiliate with or of " XXXX XXXX ''. Experian does not have common ownership with " XXXX XXXX ''. Any transactions or experiences of my information are illegally being shared by Experian. I will like to highlight this is also a violation of my privacy rights under the Privacy Act of XXXX. Eye demand this account be removed. 

The " OPT OUT '' letter will be provided within the report for review and is provided within the original CFPB report to XXXX XXXXXXXX on, XX/XX/XXXX. CFPB # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: PA

Complaint narrative:
NEW INFORMATION : XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) To Whom It May Concern, I am writing to formally raise concerns regarding the handling of my student loan account ( Account Number : XXXX ) by the Pennsylvania Higher Education Assistance Agency ( PHEAA ). It has come to my attention that there may have been a failure to comply with applicable Federal Regulations, specifically the Family Educational Rights and Privacy Act ( FERPA ) and recent enactments by President Biden aimed at safeguarding financially vulnerable borrowers like myself. 

In light of the recent legislative changes, President Biden has introduced protections to mitigate the adverse consequences of missed payments for vulnerable borrowers. This includes a 12-month " on-ramp '' to repayment period, spanning from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX During this time, borrowers who fail to meet their monthly payment obligations are not to be considered delinquent, reported to credit bureaus, placed in default, or referred to debt collection agencies. 

I must bring to your attention that I do not recall the stated loan, nor have I been notified of any scheduled repayment obligations concerning this account. This lack of communication and documentation has left me unable to verify the legitimacy of the claim or to understand my obligations fully. 

Therefore, pursuant to the regulations mentioned above, I hereby request the following : Immediate provision of copies of the original promissory note associated with my account, along with all attachments, disclosures, and any other relevant documentation. This is essential for verifying the debt and ensuring that all parties are fully informed of the terms and conditions. 

In accordance with Federal law, I request that PHEAA cease and desist all reporting and collection activities related to my account during the aforementioned 12-month " on-ramp '' period. This includes refraining from reporting alleged delinquencies to credit bureaus, placing my account in default, or referring my account to any debt collection agencies. 

This letter serves as a formal request for compliance with these federal regulations, aimed at protecting borrowers and ensuring fair treatment. I trust that the CFPB will take the necessary steps to ensure that PHEAA adheres to these legal requirements, safeguarding my rights and interests as a borrower. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX enclosures : state issued id, utility bill, intial CFPB reply, summary of enactment from student aid website

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Premier Lending Corp
State: WI

Complaint narrative:
I have been receiving calls for over a month from XXXX Premier Lending regarding a loan application which I never submitted. They call me from multiple numbers every day and leave voicemails. I block every number when they call but it never ends. It says to Press 1 to speak with someone or speak 9 to be removed from the list. Every time I press 9, but it doesnt ever stop. I have not personally noticed any charges or identity being stolen, but it doesnt mean it hasnt been. Im unsure how to make this stop. I probably get XXXX calls a day. Please make it stop.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
So I didn't start worrying about credit until I was in my middle 40s. I'm currently XXXX years old and when I turned XXXX I wanted to open a business and it was a difficult for me to get funding due to the fact I was told my credit report was bad and had a lot of negative items on them. So I started learning about my credit report and I noticed that I never had the credit cards or vehicles or phones or loans that were showing up on this report. So I kept studying and learning about the laws regarding credit reports and how to get these things off so I can establish some sort of credit. I found out the charge offs were the worst and I had two of them one with XXXX XXXX that started in 2013. I watch XXXX videos and also read a lot so I couldn't afford to have somebody do this for me so I started getting these items off my report myself and I filed reports with the identity theft.gov Federal trade commission I've made police reports and most of the stuff has been removed but this charge off has been very difficult with XXXX XXXX and XXXX XXXX. I've taken the necessary steps and their stonewalling me. I might need these items off my report so I can move on with my life.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
So I didn't start worrying about credit until I was in my middle 40s. I'm currently XXXX years old and when I turned XXXX I wanted to open a business and it was a difficult for me to get funding due to the fact I was told my credit report was bad and had a lot of negative items on them. So I started learning about my credit report and I noticed that I never had the credit cards or vehicles or phones or loans that were showing up on this report. So I kept studying and learning about the laws regarding credit reports and how to get these things off so I can establish some sort of credit. I found out the charge offs were the worst and I had two of them one with XXXX XXXX that started in 2013. I watch XXXX videos and also read a lot so I couldn't afford to have somebody do this for me so I started getting these items off my report myself and I filed reports with the identity theft.gov Federal trade commission I've made police reports and most of the stuff has been removed but this charge off has been very difficult with XXXX XXXX and XXXX XXXX. I've taken the necessary steps and their stonewalling me. I might need these items off my report so I can move on with my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
So I didn't start worrying about credit until I was in my middle 40s. I'm currently XXXX years old and when I turned XXXX I wanted to open a business and it was a difficult for me to get funding due to the fact I was told my credit report was bad and had a lot of negative items on them. So I started learning about my credit report and I noticed that I never had the credit cards or vehicles or phones or loans that were showing up on this report. So I kept studying and learning about the laws regarding credit reports and how to get these things off so I can establish some sort of credit. I found out the charge offs were the worst and I had two of them one with XXXX XXXX that started in 2013. I watch XXXX videos and also read a lot so I couldn't afford to have somebody do this for me so I started getting these items off my report myself and I filed reports with the identity theft.gov Federal trade commission I've made police reports and most of the stuff has been removed but this charge off has been very difficult with XXXX XXXX and XXXX XXXX. I've taken the necessary steps and their stonewalling me. I might need these items off my report so I can move on with my life.

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