vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 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: NY

Complaint narrative:
I am writing to formally request the immediate removal of all outdated addresses from my consumer report, except my current address as stated on my XXXX XXXX  State Identification Card, pursuant to my rights under federal law. This request is made in strict accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates the accuracy, relevance, and confidentiality of information reported by consumer reporting agencies.

Grounds for My Request, As per the FCRA, consumer reporting agencies are required to maintain information that is accurate, complete, and relevant. Reporting outdated addresses that I neither use nor receive mail at, nor list on applications, violates these provisions as these addresses are no longer accurate or relevant. These addresses are both misleading and unnecessary, potentially causing confusion or inaccuracy in my consumer report.

Furthermore, I exclusively use my current address, as provided on my valid XXXX XXXX XXXXissued ID, for all official correspondence and applications. I do not reside, receive mail, or conduct transactions from any other addresses. Therefore, the inclusion of these non-current
addresses on my consumer report is both inaccurate and unnecessary. By retaining outdated addresses, you are failing to meet the standards outlined by the FCRA for accurate reporting, specifically under Sections 1681i and 1681e ( b ).

Legal Basis for Removal, Under Section 1681i ( a ) ( 1 ) ( A ) of the FCRA, I am entitled to dispute the accuracy of any information included in my consumer report, and your agency must promptly investigate and delete any information that can not be verified as accurate and complete.

Furthermore : 1. FCRA Section 1681c - Restricts the inclusion of obsolete information on a consumer report.

2. FCRA Section 1681e ( b ) - Requires consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy. 

Outdated addresses are not only obsolete but also introduce potential risk to my identity security, especially if they reflect previous residences or erroneous data. Removing these addresses aligns with your obligation to ensure the report reflects only relevant and accurate data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
I made XXXX transactions on the XXXX of XXXX to which were pending and deducted from my balance for a total of {$350.00}. On XX/XX/XXXX at XXXX XXXX. Those transactions were posted to my account as completed deducing another {$350.00} from my balance. I contacted support and explained to them that very thing and they just immediately jumped to adding more money to my account and not even understanding or addressing my issue. So I then explained how they are the same tractions and the hold should be removed if the merchant and you have a completed transaction and even if so I shouldnt be charged twice. Representative was not understanding or even well informed about how transactions worked proceeded to say it is on the merchant and I need to talk to them and if its not correct by the XXXX then I can dispute it. I call the merchant and they advised me that I did only do the transactions once for each and they have finalized the transactions and they have been hearing a lot of this from this institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing a dispute concerning erroneous information reported by Experian, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). The following accounts are not mine : XXXX XXXX XXXX  : Reference # XXXXXXXX XXXX XXXX XXXX : Reference # XXXX XXXX XXXX  : Reference # XXXX As stated under 15 U.S.C. 1681 ( a ), I have the right to privacy and accuracy in my consumer report. Under 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ), Experian should not furnish or include information on my report without my express written instructions, which I have not provided for these accounts. 

I respectfully request that the CFPB investigate Experian for non-compliance with the FCRA and that they correct my report by removing the listed accounts. Attached are supporting documents to aid in this process. 

Thank you for addressing 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 2024-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: OH

Complaint narrative:
I was illegally evicted from the property that was being serviced by the electric provider ( XXXX ) in early 2023. This illegal eviction came as a result of a large-scale, unnannounced construction project that rendered my apartment unlivable while I was away on business. I was able to settle with the landlord outside of court and subsequently let out of the leasing contract. I moved out of the apartment in XXXX of 2023 and shortly thereafter, my leasing contract was terminated. Although I was no longer living in the unit, the property manager left the XXXX electricity account in my name until they were able to find a new tenant. This resulted in all of the electricity being used in the apartment ( presumably, to power their construction equipment ) being charged to my name. I disputed the account directly with the debt collector when they reached out for further information through the mail. This resulted in " Online Information Services '' ignoring my claims and posting the collections account to my credit reports anyways. Given the swiftness of their decision to ignore my qualms, I felt it was fair to assume that they have not done any sort of investigation into my situation and decided to make a case with the CFPB. This case ( XXXX ) ended up being resolved in my favor and the debt was removed from all my credit reports. 

Fast forward to present day, Ive received ANOTHER {$190.00} collections account from a completely different collections agency. This means that XXXX XXXX XXXX has purchased my previously XXXX debt from XXXX XXXX XXXX and now re-attempting to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding my auto loan with Bridgecrest and XXXX. I have encountered several issues that have caused significant financial strain and emotional distress. Furthermore, after conducting my own investigation I have found several complaints, and lawsuits against both XXXX and Bridgecreast. Its a horrible, legalized scam that needs to be stopped. 

XXXX. Overpayment and Principal Balance Issues : Despite making regular payments with some delays due to my pay schedule, I have noticed that my payoff balance have barely decreased after almost 4 years. It appears that my payments are not being applied towards the principal balance as they should be. This has resulted in me overpaying for the vehicle, which is both unfair and financially burdensome. 

XXXX. Misleading Information : Initially, I was provided with a total price for the car. However, the payoff balance does not reflect the payments I have made, leading to confusion and frustration. This lack of transparency is unacceptable and has made it impossible for me to accurately track my loan status. 

XXXX. Trade-In Difficulties : The terms and conditions set by Bridgecrest and XXXX have made it nearly impossible to trade in the car. This has further exacerbated my financial difficulties and has prevented me from finding a viable solution to manage my payments. 

XXXX. Impact on XXXX XXXX : The ongoing issues with my auto loan have caused intense stress and have negatively impacted my mental health. The lack of support and resolution from Bridgecrest and XXXX has only added to my distress. 

Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Also according to 15 USC 1681s-2, they are not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: TX

Complaint narrative:
In accordance wit the fair credit reporting act 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 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 15 USC 1681 Section 602A States I have right to privacy. 15 USC 1681 Section 604A Section 2 also stats a consumer reporting agency can not furnish an action without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: TX

Complaint narrative:
In accordance wit the fair credit reporting act XXXXXXXX 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 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 15 USC 1681 Section 602A States I have right to privacy. 15 USC 1681 Section 604A Section 2 also stats a consumer reporting agency can not furnish an action without my written instruction.

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One called that someone was trying to purchase something online and that my data was breach. All my credit information was stolen and all my credit cards from different banking institutions were compromised. 
XXXX XXXX, XXXX, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc
State: IL

Complaint narrative:
Account info Account name H & R ACCOUNTS INC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$XXXX} past due as of XX/XX/year>. 
Status updated XX/XX/year> XXXX {$XXXX} XXXX updated XX/XX/year> What is above no idea what is going on, they claim I owe money to them which I didn't know or have dealt with before, and even if they claim a medical bill it shouldn't affect my credit based on federal law. 
I really feel there is a deal between these collecting companies and who is responsible for evaluating the credit that forces people to pay. 
I have been paying my debts on time for XXXX  years and my credited history is clear

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: VA

Complaint narrative:
I have reached out to all 3 credit bureaus for the last few years in regard to inaccurate information. I have gotten letters back in the mail stating that my request does not seem to be coming from me. I have taken it a step further this time including my ID and mail to confirm that it is in fact me. I have a lot of hard inquires that were not authorized by me. I also have found a derogatory mark on my public record on all of my reports each with different information. As well as incorrect addresses, phone number, employer, etc. that I asked to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
Bank of America Credit Card XXXX XXXX XXXX After my XXXX or XXXX credit card late fee from BoA I'd had it. The problem, it's always been too difficult to set up XXXX! 

On XXXX XXXX, 2024 I searched How to set up Auto-pay on via search on their help page with no success, because no easy links were to be found. On the make a Credit Card Payment webpage, when I clicked the " (? ) How to '' button, it would show a drop down menu for a fraction of a second and disappear before you could click any option. One option appeared to show " Set up Autopay '' but I couldn't click it in time. 

Later on XX/XX/year>, I called and spoke to a BoA representative and they quickly showed me all I needed to do to set up Auto Pay was turn on something called " ebill '' then auto-pay options appeared!

The " (? ) How to '' drop down of course functioned correctly after speaking with the representative & setting up " ebill '' and auto pay, and I could click the option for more help to set up autopay.

In summary, at best, it is pretty clear to me they buried how to set up auto-pay info, couching it behind " ebill, '' and at worst they coded in a glitch to make it so the " (? ) How to '' on their credit card payment page didn't work and further hid how to set up autopay. Probably cost me around {$100.00} in late fees over the years till I got annoyed enough to track this down.

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 monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.

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 2024-11-02 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: CA

Complaint narrative:
The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.

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 2024-11-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Global Lending Services LLC
State: IN

Complaint narrative:
XX/XX/XXXX. 2024 at XXXX The guy that works for Global Lending called and left a XXXX harassment message on my voicemail Transcription " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I called back and made a complaint to the Supervisor and requested he never call or have access to my stuff again. 

I asked what could be done and how long it would take. She stated that she couldnt tell me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: DE

Complaint narrative:
I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: NC

Complaint narrative:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

Company response to consumer: Closed with non-monetary relief