davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Starting around XX/XX/XXXX I entered into a loan modification with XXXX XXXX. I began making trial payments. I was informed by the then relationship manager to ignore the late notices, notices placed on the door of my home, the late fees charged to my account, etc " because those are different departments and all that will be cleared up once the loan is actually modified after the trial period. '' I never received notification that the modification trial period had ended and the loan had been officially modified so I continued making trial payments. Beginning in XX/XX/XXXX, XXXX continued to report that I was 30, 60, 90, and even 120 days delinquent on my mortgage to the credit bureaus through XX/XX/XXXX ; finally showing as current beginning XX/XX/XXXX through XX/XX/XXXX. XXXX accepted a nominal loan amount from HUD for the amount XXXX indicated I was behind on my mortgage ; of which I had no knowledge of until a recent deed search of my property. I have struggled with XXXX for over 2 years to correct the reporting to my credit. XXXX informed me that they can not locate a signed modification agreement ; indicating that the loan was never modified. Around XX/XX/XXXX I filed a dispute inquiry with XXXX. The result of that dispute is that XXXX reported that the incorrect information showing on my credit report was indeed correct. So I called a dispute inquiry to XXXX around XX/XX/XXXX. I indicated that since XXXX can not find their own documentation supporting that the loan was modified and the delinquencies reported on my credit were hence inaccurate, then XXXX must correct the inaccurate information on my credit. I was informed at that time the dispute would take no more than 10 business days. I received several letters from XXXX 's XXXX XXXX Department and their Research Department indicating that they " are unable to provide you with a response '' and they need more time. Today is the 32nd business day. I called XXXX 's Research Department this afternoon and I was informed that a decision to my dispute can not be made at this time because they are unable to locate the information needed to conclude the dispute. I was also informed that the matter had been escalated to a supervisor in XX/XX/XXXX and that I should allow them " 4 to 5 more business days to locate that information. '' I sold my home at XX/XX/XXXX and the loan has been paid off. I have relocated to another state and am unable to obtain a mortgage loan because of the inaccurate information reported on my credit. I have also been wrongly charged multiple fees and nuisance people showing at my residence since XX/XX/XXXX related to pre-foreclosure, late fees, sheriff service, etc ... .when all along I was, in my own assumption and with the lack of supporting documentation from XXXX , still in the loan modification trial period. I have additional documentation if needed.
Consumer complaint received 2024-10-21
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. (NY)

This letter serves as my final notice regarding your agencys ongoing failure to comply with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report ; however, your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Violations : Failure to validate the debt as required under 15 U.S.C. 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, in violation of 15 U.S.C. 1692c ( Section 805 ( c ) ).

Harassment under 15 U.S.C. 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, yet the disputed accounts remain on my credit report. These accounts are not only inaccurate but also unauthorized by me. No valid contract exists, and I have never provided written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Consumer complaint received 2024-10-21
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. (FL)

This is my final notice regarding your agency 's ongoing noncompliance with federal credit reporting laws. Despite my previous disputes concerning the accuracy and legitimacy of certain items on my credit report, your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Violations : Failure to validate the debt as required under 15 U.S.C. 1692g ( Section 809 ( b ) ).

Continued communication after a certified cease-and-desist request, violating 15 U.S.C. 1692c ( Section 805 ( c ) ).

Harassment, as defined under 15 U.S.C. 1692d ( Section 806 ).

Despite receiving a notice stating that your investigation was complete, the disputed accounts remain on my credit report. These accounts are inaccurate, and I never authorized them. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I disputed my payment history with child support ( texas OAG ) with experian, and they fixed my payment history no problem, and changed all my past payment history to " paid, never late ''. I submitted the same information and proof to both XXXX XXXX and equifax and it has yet to be changed. Both are showing XXXX late payments over the course of XXXX years. My child support comes DIRECTLY out of my Social Security Disability and is paid directly to child support - WHICH MAKES IT IMPOSSIBLE TO BE LATE. Also, the dates that they are saying that I was late, I actually had primary custody and I wasn't even suppose to be paying child support. Attached are even correspondence with me and my lawyer back during that time and discussing what Child Support ( Texas OAG ) should have fixed back then. I was actually owed child support. I need ALL 3 of my consumer reports to read the exact same thing as my experian report does. To read " Paid, Never Late '' for any and every payment concerning that account. 

Office of Attorney General XXXX " Open Never Late '' Furthermore, the fact that child support is even on my credit report is illegal concerning consumer law. It violates 15 usc 1681b - permissible purposes. 
I have not nor have I ever given Child Support or Texas OAG permission to furnish anything on my credit report. Child support payments aren't an extension of credit nor are they are credit transactions. 

2. It also violates 15 usc 1681a ( 2 ) ( i ) - under the Exclusions sub paragraph. Items on the consumer report should not include individual transactions or experiences. 

So if they are going to list this on my consumer report illegally, then it should atleast be reported correctly. If this can not be done, then legal actions will have to be taken due to each XXXX and Equifax knowingly violating consumer laws concerning reporting.
Consumer complaint received 2024-10-15
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. (TN)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2024-10-21
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. (IL)

I recently reviewed a copy of my credit report I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.
Consumer complaint received 2024-10-19
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. (MI)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.
Consumer complaint received 2024-10-18
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. (MI)

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
____________________________________________________ XXXX XXXX XXXX XXXX XXXX Reference number - XXXX Record type Bankruptcy XXXX XXXX-discharged Court : - XXXX XXXX XXXX XXXX XXXX ___________________________________________________ XXXX XXXX XXXX - Balance - {$540.00} Account number - XXXX XXXX XXXX XXXX XXXX Balance - {$560.00} Account number - XXXX XXXX XXXX XXXX Balance - {$0.00} - Balance updated - XX/XX/XXXX Credit limit - {$1300.00} - Account info Account number - XXXX XXXX XXXX XXXX - Credit limit - {$500.00} Account number - XXXX XXXX XXXX XXXX - Balance - {$560.00} Account number - XXXX XXXXXXXX XXXX XXXXXXXX - Account number - XXXXXXXX XXXX - Paid off XXXX Original XXXX XXXX {$720.00} Account number - XXXX ____________________________________________________ XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX ____________________________________________________ 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Consumer complaint received 2024-10-18
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * *Formal Notice and Demand : ** This is my second formal CFPB complaint demanding that XXXX immediately comply with FCRA S 605B ( 15 U.S.C. S 1681c-2 ). You are legally obligated to block all information related to identity theft and fraud on my credit report within four business days after receiving this notice. Ignoring this is not an option.

** Fraudulent Accounts in Question : ** XXXX : Account # XXXX Date Opened : XX/XX/XXXX BalanceOwed : {$12000.00}. XXXX : Account # XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00}. XXXX : Account # : XXXX Date Opened : XX/XX/XXXX Balance Owed {$18000.00}. 
These accounts are fraudulent and unauthorized, severely damaging my FICO credit report due to identity theft and fraud. Despite my first complaint, these false records persist, and your negligence is glaring.

Enclosed is the FTC Identity Theft Criminal Complaint ( XXXX ) from the U.S. Federal Trade Commission, verifying the fraudulent nature of these accounts, collections, and inquiries.

I demand Experian block all identified fraudulent accounts, collections, and hard inquiries from my credit file within the legally mandated four business days. Furthermore, you must provide a detailed explanation of your flawed verification process that allowed these errors to persist despite previous notification.

Failure to act will leave me no choice but to pursue legal action against XXXX for non-compliance with federal law and negligence in protecting my identity. This is not a threat, but a promise to uphold my rights. 
What would be a good resolution? 
Ensure all correspondence regarding this matter is directed to my email at [ XXXX ]. I expect an immediate, lawful response. 
Your compliance with the law is non-negotiable.
Consumer complaint received 2024-10-18
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. (TX)

XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> STELLANTIS - XX/XX/year> ALLYFINANC - XX/XX/year> XXXX - XX/XX/year> FLAGSHIPCR - XX/XX/year> XXXX - XX/XX/year> SYNCB/LOWE - XX/XX/year> ALLYFINANC - XX/XX/year> XXXX AUTO - XX/XX/year> STELLANTIS - XX/XX/year>
Consumer complaint received 2024-10-18
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. (NY)

ATTN : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Re : XXXX XXXX XXXX. Account # XXXXNotice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the NY State Attorney Generals Office and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-10-18
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

XXXX XXXX ( XXXX ) ( XXXX This CFPB complaint had been filled to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX  XXXX on XX/XX/XXXX acct ( XXXX ) a credit card opened at XXXX on XX/XX/XXXX acct ( XXXX ) a credit card opened at XXXX on XX/XX/XXXX acct ( XXXX ) a credit card opened at XXXX on XX/XX/XXXX acct ( XXXX ) a credit card opened at XXXX XXXX on XX/XX/XXXX acct ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I DO NOT OWN THE ACCOUNTS STATING BALANCES ON MY REPORT PLEASE REMOVE. MY CREDIT SCORE IS BEING SEVERELY DAMGED AND I AM UNABLE TO GET APPROVED FOR CREDIT CARDS AND LOANS. 

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Date XXXX XX/XX/XXXX Balance- {$700.00}, XXXX XXXX XXXXXXXX Date Opened- XX/XX/XXXX Balance- {$1000.00}, XXXX XXXX Date Opened- XX/XX/XXXX Balance- {$300.00}. 

The reported information is incorrect and does not belong to me. 

I looked at my Equifax credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And 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 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to not 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.