vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: UT

Complaint narrative:
I've tried working with Regional Finance for sometime, trying to find a hardship solution. In XXXX, one person at the Branch here in XXXX XXXX XXXX, her name is/was XXXX, was able to assist me in lowering my payments from {$330.00} to {$160.00} a month. That was helpful, and I was able to make my monthly payments for about 5 or 6 months. 

In XXXX ( earlier this year ), I ran into additional issues with my cash flow. Mainly from medical debt that was sent to Collections, but also some other debts I was required to setup payment plans for. This caused me to be late on my rent ( I was late XXXX, XXXX and XXXX ) as well as fall behind on my phone service and internet service, which I've been trying to get back to current. 

When I talked with Regional Finance at this time, the only solution they could offer was to " defer '' a payment, which I agreed to. However this isn't a longterm, or permanent solution obviously. 

In XXXX, I played phone tag with XXXX, but she and I eventually connected. I explained to her my situation, and she suggested we try reconnecting in XXXX after XXXX 's statement period passes. She didn't know, or offer any solutions, but thought we reconnect. 

On XX/XX/XXXX, XXXX from the local office called me 3 times, and before I could even respond, called my sister twice. I feel this was unnecessary and meant to embarrass me. I called and spoke to XXXX and voiced my frustration with her and what she did. I told her I didn't want her to call anyone else but me. I asked for XXXX, but she was not available. 

As of today, I've not spoken to anyone at the local branch since, and would prefer not to. XXXX is the only one that is respectful, and tries to help. Everyone else including the branc

h manager come across as demanding and unempathetic. No one seems to be able to offer any solutions. I'm filing this complaint, as I hope someone from the Corporate office who receives this, w
ill be able to work with me in finding a hardship solution that will work for all of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent several request to XXXX opting out of their system, in which it shows that XXXX XXXX XXXX has 7 bankruptcies, I have received 3 separate reports from XXXX where they show that I do not have any bankruptcies on my consumer public records report, all dated from XX/XX/XXXX through XX/XX/year>2024 and speaking with them on today XX/XX/scrub> 2024, on both my public records report and my non-published public records report, there are no bankruptcies being reported, I placed yet another dispute ; dispute number # XXXX but on my credit bureau reports they are there, and it is saying that the records have been investigated and re-investigated as being VERIFIED AS ACCURATE AND UNCHANGED. Upon my receiving this information, I contacted the bankruptcy court for the XXXX XXXX XXXX XXXX, received a letter from them stating that 1. They do not report to the Credit bureaus and that I do not have any bankruptcies. 2. I sent to all three ( 3 ) credit bureaus letters requesting that this information be removed from my credit reports, but all have stated that they received the information from XXXX. 

XXXX XXXX XXXX  refuses to provide me with an option to Opt-Out of their system, and they continue to furnish adverse information to TransUnion, violating my right to privacy and to deny me my right under 15 USC 1692 to determine what information I want reported on my credit report.

I have furnished all three ( 3 ) credit bureaus with letters showing them the errors however when I receive my updated credit reports, the bankruptcies are still there after sending them all the reports and letters from the courts, XXXX, and myself demanding that they remove the public records report but it still remains and is causing me serious complications of my credit being denied and my scores decline and not being able to qualify for loans and credit increases.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent several request to XXXX opting out of their system, in which it shows that XXXX XXXX XXXX has 7 bankruptcies, I have received 3 separate reports from XXXX where they show that I do not have any bankruptcies on my consumer public records report, all dated from XX/XX/XXXX through XX/XX/year>2024 and speaking with them on today XX/XX/year>2024, on both my public records report and my non-published public records report, there are no bankruptcies being reported, I placed yet another dispute ; dispute number # XXXX but on my credit bureau reports they are there, and it is saying that the records have been investigated and re-investigated as being VERIFIED AS ACCURATE AND UNCHANGED. Upon my receiving this information, I contacted the bankruptcy court for the XXXX XXXX XXXX XXXX, received a letter from them stating that 1. They do not report to the Credit bureaus and that I do not have any bankruptcies. 2. I sent to all three ( 3 ) credit bureaus letters requesting that this information be removed from my credit reports, but all have stated that they received the information from XXXX. 

XXXX XXXX XXXX refuses to provide me with an option to Opt-Out of their system, and they continue to furnish adverse information to XXXX, violating my right to privacy and to deny me my right under 15 USC 1692 to determine what information I want reported on my credit report.

I have furnished all three ( 3 ) credit bureaus with letters showing them the errors however when I receive my updated credit reports, the bankruptcies are still there after sending them all the reports and letters from the courts, XXXX, and myself demanding that they remove the public records report but it still remains and is causing me serious complications of my credit being denied and my scores decline and not being able to qualify for loans and credit increases.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and 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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I dont recognize these inquiries and have no connection to the mentioned creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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:
My credit report has inquiries I don't recognize, I did not give permission to these companies to pull up my credit report. I never benefitted from these items on my credit report that have resulted from fraud. I have reported them to the federal trade commission but they are not removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear EQUIFAX I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request. 

Enclosed, please find the following supporting documentation : 1. A copy of my identity theft report filed with the Federal Trade Commission ( FTC ) XXXX XXXX. A COPY OF MY CREDIT REPORT I request that you block and remove the fraudulent accounts and any associated negative information as mandated by law. The accounts in question are as follows : INCORRECT ADRESSES : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX INCORRECT EMPLOYER : XXXX XXXX Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear EQUIFAX I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request. 

Enclosed, please find the following supporting documentation : 1. A copy of my identity theft report filed with the Federal Trade Commission ( FTC ) XXXX XXXX. A COPY OF MY CREDIT REPORT I request that you block and remove the fraudulent accounts and any associated negative information as mandated by law. The accounts in question are as follows : INCORRECT ADRESSES : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX INCORRECT EMPLOYER : XXXX XXXX Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I looked at my report recently and noticed somethings are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporti my agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the indivisiual about whom the report relates. 
I sent a letter asking them to investigate these accounts listed below because XXXXXXXX XXXX XXXX Open date is not reporting correctly, date last active date of last payment is not correct, this account is not mines. 

Thank you for your attention to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I looked at my report recently and noticed somethings are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporti my agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the indivisiual about whom the report relates. 
I sent a letter asking them to investigate these accounts listed below because XXXXXXXX XXXX XXXX Open date is not reporting correctly, date last active date of last payment is not correct, this account is not mines. 

Thank you for your attention to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I took out the auto loan for my business and paid it off in XX/XX/2023. 
After loan was paid off, the lender, Citizens Bank, filed UCC against my business. 
Because UCC was fraudulently filed against my business, I am not able to secure any type of financing. I contacted Citizens Bank several times. They denied to look into this.

Company response to consumer: Closed with explanation