davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692e - False or misleading representations XXXX  XXXX Account Number : XXXX Update to Open/Never late XXXX. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Update to Open/Never late 3. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Update to Open/Never late XXXX. Unpaid balance reported as a loss by credit grantor XXXX Account XXXX : XXXX Update to Open/Never late 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete from my credit report. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete from my credit report. 


XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-10-25
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: EQUIFAX, INC. (GA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX  {$2200.00} charged off in XX/XX/2017 I disputed this account with experian because it didn't belong to me the account is unverified and possible result of identity thief my information was affected by the XXXX been dealing with this for months to no resolution they just keep reporting the same negative information without merit
Consumer complaint received 2019-09-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (AZ)

I have been served a XXXX XXXX Justice Court papers in XXXX, Arizona ; stating I owed {$6600.00} to Sears Mastercard credit card ( Citibank, NA ) My name is XXXX XXXX XXXX and in the Court papers appears as XXXX " XXXX  '' XXXX. 
and in the application for Entry of Default is XXXX " XXXX '' XXXX, a married woman, I have been divorced since 1981. 
The statement is in '' XXXX '' a language I don't use at all. 
They do not show the account number, except for the last 4 digits which are XXXX. 
When I called Sears they informed that, that account doe not exist. 
I have been notified that if I do not answer or file a responsive pleading with the Court the Default will be effective and the Plaintiff may request a judgement to be entered against myself.

I have talked to the XXXX XXXX XXXX, XXXX The XXXX in XXXX Az.with no positive results. 
I do not owe that money and I feel very frustrated with this situation.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

XX/XX/2019 XX/XX/2019 & XX/XX/2019 I contacted all three of the bureaus in regards to in accuracies on my credit report. I I requested for them to validate the information on my credit report Ive been part of the breaches from XXXX XXXX XXXX in XXXX XXXX the last few years. I asked that they provide the method of verification name address phone number of company that provided the verification as well as proof they received the original dated contract with my signature three months later and they have yet to do so. I have 60 inquiries via XXXX XXXX 35 Equifax 21 XXXX that are unauthorized and harming my ability to obtain new credit the only thing they send me is copies of my credit report not the validation which I am asking for. XXXX XXXX and Equifax also still have the three collections on my credit report that was removed XX/XX/2019 due to no validation. I contacted yall about that also and was told it takes 10 days.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX ACCOUNTXXXX REPORTS LATE PAYMENTS ON ALL 3 BUREAUS IN AN INCONSISTENT CONFICTING MANNER.THIS HAS OCCURRED AFTER NO LESS THAN 3 ATTEMPTS AT ACCURACY BY DISPUTE WITH EACH OF THE BIG 3.

I HAVE ATTACHED A THIRD PARTY RECENT REPORT BY XXXXTHIS REPORT ON XXXX SHOWS A 30 DAY LATE IN XX/XX/2016 AND A 60 IN XX/XX/2016XXXXON XXXX WE SEE NO LATES WHATSOVER. ON EQUIFAX WE SEE A 30 DAY LATE IN XXXX OF 2016. 
DUE TO THE FCRA, THE NUMBERS OF DISPUTES PER BUREAU, THE LACK OF THE VERACITY OF INFORMATION TRANSMITTED BY XXXX XXXX XXXX I   WOULD ASK IN THE INTEREST OF FAIRNESS UNDER THE LAW, THE LACK OF FAITH IN ACCURATE REMEDIATION, THAT THE ACCOUNT BE DELETED FROM ALL BIG 3 BUREAUS.
Consumer complaint received 2024-10-25
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: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX . Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness and negatively impacted my credit score, violating these provisions. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The late payment reporting errors in my case suggest that this obligation was not met. 
New Evidence of Error Equifax : The account inaccurately reports a 30-day late payment in XX/XX/XXXX and a 60-day late payment in XX/XX/XXXX, even though all payments were made on time. 
Pattern of Inaccuracies The continued reporting of late payments across XXXX, XXXX, and Equifax shows a persistent pattern of errors. These late payments have been inaccurately reported despite my account being on autopay and having no missed payments. 
Request for Immediate Correction I am formally requesting that the inaccurate late payment notations be removed from my credit report immediately. The entries must be updated to reflect my true payment history, which is 100 % on time. Should this issue remain unresolved, I will escalate my complaint further, including pursuing legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. 
Thank you for your immediate attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries within 30 days. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have had very little interaction with the credit bureaus over the years, but with the recent crisis regarding identification theft, I have decided to keep a watchful eye over my personal information. My challenges and concerns have consistently been with Equifax. While Equifax 's customer service is superior, no one is resolving my issue. 

I have 4 inquiries on my XXXX report, 7 inquires on my XXXX report and 27 with Equifax! When I call Equifax to address this concern, they either redirect me to the listing company or try to promote one of their products. I have tried both and those recommendations have proven ineffective. The companies advise me to dispute it. Equifax keeps sending me back to the company. I just want this fixed! 

I do not have an account with the following listed companies. Any access to my credit report by these companies were unauthorized by me, and they are only showing up on my Equifax report : XXXX Mortgage Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX I do have an account with XXXX XXXX, but this inquiry is for auto financing. I did not authorize this inquiry. 

XXXX  XXXX XXXX from XX/XX/XXXX Thank you in advance for your help.
Consumer complaint received 2019-11-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NJ)

I don't Made a autorizacin yo Transfer bitcoins ir My wallet un coinbase and gdax My email is XXXX i sent My conplain to many times but they nevera answerd 3 months ah they only tild me that it's un investigacin the weird thing is i nevera receive a confirmaron ir any transaccin they clised My account and i can't mor Open again
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (DC)

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. Thank you.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have a late payment showing on my credit report that doesn't below to me. XXXX XXXX authorized User account. This is a closed account that I am not financially responsible for please remove the negative item immediately. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX please remove the late payment from my credit report. I am no longer on that account!
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2019-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I MADE A HOTEL BOOKING AT THE XXXX XXXX XXXX VIA XXXX ON XX/XX/XXXX FOR XX/XX/XXXX AND ON XX/XX/XXXX TRIED TO CANCEL THE RESERVATION BECAUSE THE VISA WAS DENIED. XXXX TRIED TO REASON WITH THE HOTEL BUT THE HOTEL CHARGED MY CARD. I TRIED SPEAKING WITH THE MANAGEMENT BUT THEY WILL NOT REVERSE THE CHARGES. I DISPUTED WITH MY BANK ( BANK OF AMERICA ) HOPING FOR A SENSIBLE RESOLUTION BUT THE BANK IS TAKING SIDES WITH THE HOTEL. I MADE A DISPUTE FOR THE CHARGES ON XX/XX/XXXX AND ON NOT GETTING ANY KIND OF LETTER I CALLED THE BANK ON XX/XX/XXXX ONLY TO BE INFORMED THAT NO DISPUTE WAS LOGGED. I THEN TOLD THE AGENT THAT IT WAS NOT ACCEPTABLE THAT I HAD TO FOLLOW UP ON MY DISPUTE WHICH WAS SUPPOSED TO BE LOGGED ON THE XX/XX/XXXX WHICH WAS NOT. 
ON XX/XX/XXXX I GET A LETTER FROM BOA THAT THEY ARE UNABLE TO RESOLVE THE CHARGES STATING MERCHANTS HAVE THEIR OWN CANCELLATION POLICY AND BOA CAN NOT INTERVENE. 
I CALLED BOA ON XX/XX/XXXX TO INFORM THAT I WAS NOT HAPPY WITH THE RESOLUTION AND THAT I NEEDED MORE INFORMATION ON HOW THE ISSUE WAS INVESTIGATED AND HOW DID THEY REACH THE DECISION THAT THE MERCHANT WAS RIGHT TO CHARGE MY CARD FOR NO SERVICES PROVIDED. 
THE AGENT MS XXXX FROM TENESSEE LOCATION FAILED TO PROVIDE ME ANY INFORMATION. ON ASKING FOR A SUPERVISOR SHE TOLD ME ALL SUPERVISORS ARE BUSY AND THAT I WILL BE ABLE TO GET A CALL BACK AT XXXX. WHEN I TOLD HER THAT I AM WILLING TO HOLD THE LINE FOR ANOTHER 3.5 HRS SHE TOLD ME SHE CAN NOT PUT ME ON HOLD FOR THAT LONG. I TOLD HER THAT I WILL NOT BE ABLE TO TAKE THE CALL AT XXXX BECAUSE I WILL BE AT WORK. SHE PUT ME ON HOLD AND AFTER 20 MINUTES A SUPERVISOR BY THE NAME XXXX WHO SOUNDED UPSET WITH MY INSITANCE TO HOLD ANSWERED ME RUDELY AS TO HOW HE CAN HELP ME. ON REMINDINING HIM THAT I WAS IN CONVERSATION WITH XXXX HE THEN STATED OH ITS ABOUT THE {$690.00} DISPUTE. I TOLD HIM YES IT WAS AND ALL I WAS REQUESTING IS INFORMATION ON HOW THEY REACHED THE CONCLUSION THAT THE HOTEL IS RIGHT IN CHARGING MY CARD FOR NO SERVICES PROVIDED. XXXX STARTED ARGUEING WITH ME AND GAVE ME THE SAME ONE SENTENCE ANSWER I GOT IN THE LETTER. ON BEING TOLD THAT I WILL NOT STOP DISPUTING THIS CHARGE AND FOR THAT I NEED MORE INFORMATION AS TO WHERE DOES IT STATE ABOUT THE CANCELLATION POLICY BECUASE THE HOTEL WEBSITE DOES NOT STATE ANYWHERE ABOUT ITS CANCELLATION POLICY. HE STATED HE WILL SEND ME A LETTER IN MAIL. 
I WANTED MORE INFORMATION FROM MY BANK WHICH IT FAILED TO PROVIDE ME. 
IN VIEW OF THE ABOVE IT IS REQUESTED THAT BOA BE INVESTIGATED AND A RESOLUTION BE PROVIDED TO ME IN THIS DISPUTE BECAUSE {$690.00} IS MY ONE WEEK PAY CHEQUE. 

THANKING YOU FOR YOUR TIME AND CONSIDERATION KIND REGARDS XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Equifax Information Services, LLC. 
XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Credit Bureau Executives, I am writing to urgently address an issue in my credit report. Unfortunately, I have fallen victim to identity theft and fraud, which has involved me in three data breaches. Despite collaborative efforts with your team and other relevant entities to rectify inaccuracies in my credit reports, the fraudulent account linked to XXXX XXXX XXXX XXXX has reappeared on my credit report despite being previously removed. 

I want to emphasize that neither the mentioned account nor its balance belongs to me, and I have taken all necessary steps to ensure their removal from my credit report. I expect and request your immediate attention to this matter. 

I anticipate and require your swift assistance in rectifying this issue. 

Sincerely, XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX , California XXXX Reported balance {$7200.00} Actual payment amount Date of last payment XX/XX/year> Past due amount {$690.00} Account status At least 120 days or more than four payments past due Date reported XX/XX/year> Payment details Last reported Review your last reported payment information and click FILE A DISPUTE to continue.