vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Overland Bond & Investment Corporation
State: IL

Complaint narrative:
I am filing a formal complaint against Overland Bond for their practices regarding my leased XXXX XXXX XXXX XXXX. I entered into a lease agreement with them in XXXX, under an arrangement requiring weekly payments. Recently, I have faced ongoing issues that include aggressive behavior and unethical practices by Overland Bond, which I believe infringe upon my consumer rights. 

Car Disabled Without Notification : Overland Bond has remotely disabled my vehicle without providing prior notification or justification. This has prevented me from going to work, impacting my livelihood. 

Request for Payment Modification Ignored : I have requested to adjust my payment schedule from weekly to monthly payments, but Overland Bond has failed to respond to my request. 

Lack of Lease Agreement Copy : After missing one payment, I requested a copy of my lease agreement. Overland Bond has not fulfilled this request, leaving me without clear documentation of the terms of my lease. 

Continuous Aggression : The company has exhibited bullying tactics by repeatedly turning off my vehicle and creating unnecessary stress and hardship.

Violation of Consumer Rights : Under federal and state laws regarding vehicle leasing, I am entitled to fair treatment and clear communication about my lease terms. Specifically : The Consumer Leasing Act ( CLA ) requires that lessors provide a written copy of the lease agreement, including detailed terms of payments, penalties, and conditions for repossession or vehicle disablement. 
Lease terms and penalties must also be disclosed in a transparent and non-predatory manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: NJ

Complaint narrative:
I am writing to dispute the inaccurate address information listed on my consumer report. Specifically, I do not belong to this address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), as I have never resided at this location. I respectfully request that all inaccurate addresses be permanently deleted from my consumer report. Please retain the following accurate addresses on file : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( my current address ) and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. Additionally, I ask that XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX be updated and reflected as my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-12-06 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: NJ

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: GA

Complaint narrative:
I am writing this letter in hopes to have these items deleted from my file. The report mentions items i need deleted. As i am a vitctim of identity theft and didnt make the charge. Please delete these items to correct my credit report. The federal Trade Commission has been made aware of the theft of my identity. i have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete items 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 explanation
Consumer complaint received 2024-12-06 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
It would appear that XXXX XXXX XXXX has sold a collections debt I did not owe. I have previously opened a complaint with XXXX and had it discharged but now XXXX XXXX is also reporting on the same bogus debt I never owed in the first place. Here is the original complaint that also applies here. 

I had 2 XXXX XXXX XXXX for several years numbers XXXX & XXXX, in the fall of XXXX I paid off their balances, having never been late, then for around 2 years I paid their {$8.00} mthly maintenance fee on each. In XXXX of XXXX ( XXXX ) I called to close the accounts stating at the time I was calling to close my accounts and wanted to pay off all balances owed. Its important that for almost 2 mths prior to that I had been unable to access my accts online and had sent a XXXX request about it. When I called to cancel I knew I had missed an {$8.00} pymt for both and was told my balance to pay that day was {$60.00} something dollars, which I paid with my XXXXXXXX XXXX debit card. After. That day I never heard another word from XXXX XXXXXXXX, no calls, no voicemails, no letters until about 2 months ago when applying for a loan I found out my credit had dropped almost XXXX points. I w as never late and never charged a single thing in the 4 years since paying it off. This information is erroneous and needs to be removed. I realize a part of my credit dip was credit utilization on other things but this reporting from XXXX XXXXXXXX is wrong and needs to be removed. They have damaged my score deeply for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bilt Technologies, Inc.
State: NJ

Complaint narrative:
I recently registered for Bilt and applied for their XXXX after learning that it could be used to pay rent and earn rewards. Upon registration, I was directed to the wallet section, where my associated credit card was listed. The app stated that I could earn points and benefits on eligible purchases, where I would receive rewards for credit card purchases and additional Bilt points/credits without extra fees. I also linked my bank account to the Bilt wallet since it was indicated that I could use ACH payments even if my Bilt XXXX was not yet ready or approved. 

When I attempted to use the " Pay Rent '' feature, my Bilt XXXX had not yet been approved. I selected the Pay Rent Online option, which provided a specific routing and account number associated with the Bilt account. However, instead of processing the payment via my linked bank account, the app defaulted to charging my XXXX XXXX XXXX card. This card was only enabled in the wallet section for earning rewards ; I never authorized it for purchases or payments. 

I did not proceed with the payment as shown in Step 1 of the app interface ( referenced in the attached image ). However, I was still charged a 3 % service fee on a large transaction I did not authorize. This could have been avoided had I known that the app would use my credit card instead of my linked bank account for the payment. I would have simply used ACH directly from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-06 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: TX

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: IN

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am addressing multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. My dispute highlights significant concerns regarding the accuracy and legality of the information reported on my credit file. 

Here is what transpired : Willful Noncompliance ( FCRA Section 616 ) : Entities failed to verify the accuracy of the credit information they reported about me, which constitutes willful noncompliance. Under this section, each violation carries a potential civil liability of up to {$1000.00}. 

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : My right to opt out of the sharing of my personal information was not disclosed, which is a clear violation of my consumer rights. 

Furnishing Deceptive Forms ( FCRA Section 623 ( a ) ( 3 ) ) : Inaccurate accounts and inquiries were added to my report without proper validation, breaching generally accepted practices and misleading creditors. 

Violation of the Debt Collection Practices Act : I experienced harassment and distress as inaccurate debts and accounts were reported without my consent, prompting unnecessary creditor contact. 

Third-Party Disclosure Violations : Debt collectors improperly shared my information with third parties in connection with alleged debts, violating rules that prohibit such disclosures. 

Misrepresentation of Late Payments : Entities reported late payments without accurately defining what constituted late, creating deceptive and inaccurate entries on my credit report. 

Errors in Finance Charge Determination : There were failures in calculating finance charges correctly, adding to the inaccuracies on my credit report. 

Unauthorized Reporting ( FCRA Section 1681b ) : Information was reported on my credit file without my written consent, violating the permissible purposes outlined in the FCRA. 

To address these violations, I have specifically requested the following actions : Validation of alleged debts under 15 U.S.C. 1692g, requiring documentation such as contracts or agreements signed by me. 
Removal of unauthorized hard inquiries from my credit report under 15 U.S.C. 1681b ( a ) ( 2 ). 
Deletion of all inaccurate and unverified accounts that fail validation. 
If these violations are not resolved promptly, I am prepared to pursue the legal remedies available to me under the FCRA and related statutes to protect my rights and ensure compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: NY

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: MN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief