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. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-02-10
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: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had Charged off status on an account that was linked to another positive account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. this account must be fixed : XXXX XXXX Balance Owed : {$1600.00}
Consumer complaint received 2023-02-10
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. (TX)

on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XX/XX/2019 XXXX acct # XXXX was charged off so I deem it against my consumer rights to be punished for something thats holding me back from achieving my financial freedom in todays society. I asked this old debt be deleted from my consumer credit repot
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

Account name : Bankruptcy XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX The United States Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX does not release or act as a third party data furnisher for the Credit Reporting Agencies . Pursuant to Rule 9037 ( a ) of the Federal Rules of Bankruptcy Court Procedure " Privacy Protection For Filings Made with the Court '' ( a ) Redacted Filings. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials; and ( 4 ) the last four digits of the financial-account number. In accordance with 11 USC 107 ( c ) ( 1 ). Public access to papers ( c ) ( 1 ) The bankruptcy court, for cause, may protect an individual, with respect to the following types of information to the extent the court finds that disclosure of such information would create undue risk of identity theft or other unlawful injury to the individual or the individual 's property : ( A ) Any means of identification ( as defined in section 1028 ( d ) of title 18 ) contained in a paper filed, or to be filed, in a case under this title. ( B ) Other information contained in a paper described in subparagraph ( A ). Based on the foregoing, Experian through third parties have collected private information that was not intended for disclosure, illegally obtained and profited said information without my consent or consent of the bankruptcy court. Such illegal obtaining and subsequent disclosure amounts to harm to me and has opened up identity theft concerns. 

XXXX obtained redacted information illegally and subsequently sold the illegally obtained information to XXXX XXXX XXXX.
Consumer complaint received 2023-02-10
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-02-10
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. (CA)

I am in the process of purchasing a new vehicle and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT 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. 

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
DEPT. OF EDUCATIONXXXX XXXX XXXXXXXX... 
DEPT. OF EDUCATIONXXXX XXXX XXXXXXXX... 
DEPT. OF EDUCATIONXXXX XXXX XXXXXXXX... 
DEPT. OF EDUCATIONXXXX XXXX  XXXX... 
XXXX - XXXX... 
XXXXXXXX XXXX XXXX XXXXXXXX... 



I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, 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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 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 and 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 2023-02-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

According to the law, US C 1681, and USC 1681S2, this company violated my rights because I have a right to privacy. This company reported information without my permission. 

XXXX / XXXX XXXX
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, 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. (CA)

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; XXXX. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction.

2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. 

I am writing in regards to the Equifax data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality.

With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

Given the options, this track was the one that " best '' fit my issue. Neither I nor my mother have a student loan. On XX/XX/2020, Navient ( XXXX ) called my XXXXyo mother, whom I have POA over, as a hip-shot approach seeking info regarding XXXX XXXX, acct # XXXX. The caller ID 'd himself as XXXX, Employ ID XXXX, on a voicemail. When that failed, he proceeded to call me and left the same voice mail. I called to find out info about this issue and was told my info was obtained from LexisNexis ( XXXX ) and this was an attempt to locate XXXX XXXX, acct # XXXX over a student loan. We do not know XXXX XXXX, acct # XXXX and this is the 2nd time this type of call has occurred in as many months. I feel this is a violation of the DNCR, harassment, and abuse of information. I have since restricted my info at LexisNexis and noticed them of my concerns that their info of my family is being abused by XXXX. I have expended at least 2 hours of my time thus far.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I'm filing this complaint regarding late payments incorrectly reported on my credit record. After reviewing my records, I discovered these inaccurate entries. I sent letters addressing this issue over 30 days ago but have received no response or satisfactory validation.
Consumer complaint received 2023-02-10
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: NAVY FEDERAL CREDIT UNION (TX)

XXXX XXXX XXXX has re aged several debts numerous times making them always look new on my credit report. I have filed multiple disputes with XXXX and they will just reject the dispute and mark it as current even though the original date was 2016. They also send me collection emails at least every 2 days.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Credit card was {$5900.00} and charged off. Garnishment was settled for {$5900.00}. Garnishment was paid in full. a new garnishment has been initiated without contact or explanation of new charges for {$820.00} more. Contacted company no one could explain!
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NV)

On XXXX XXXX XXXX  I received a notification from my credit monitoring service stating a formal credit inquiry from XXXX XXXX XXXX was made showing that I applied for a credit card with a company called XXXX XXXX. 

Apparently, XXXX XXXX is a company that provides credit information which is used by retail organizations to issue credit cards. In my case, someone fraudulently used my credit information to apply for a credit card. 

I was never contacted by XXXX XXXX regarding this transaction. Further, they do not provide contact information to the credit reporting agencies so it has been very difficult to file a formal complaint directly to this company regarding their fraudulent activity. It is no wonder that XXXX XXXX has an " F '' rating with the XXXX 

I never applied for a credit card with XXXX XXXX, but a card was still opened without my knowledge or consent based on information that a was provided by XXXX XXXX. This is a fraudulent transaction. As a result of XXXX 's incompetence, my credit score was adversely affected.
Consumer complaint received 2023-02-13
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. (PA)

I, XXXX : XXXX, Beneficiary. I recently looked over my Credit Report and noticed inaccurate Accounts and Inquires on my credit report that are fraudulent and needs to be paid in full and DELETED from my Consumer Profile. If these accounts are not removed from my consumer profile by XX/XX/XXXX, I will be sending the IRS ( INTERANL REVENUE SERVICE ) my packet. ( Also I've tried to get your company Ein multiple attempts with proof and your company have failed to provide that to me. Which is a refusal and according to the law per refusal is {$50.00} ( which has been over nine attempts with proof ). Before I take this route I will give your company XXXX last chance to remedy this wrong and delete these from my consumer report. If not I will send in to the IRS a packet with W-9 , 1040, 1040V of you company information and the accounting numbers so that this account can be reported to the IRS and for them to audit your company for not reporting it. I Am done with going back and forth with these accounts. Stop reporting them or lose money, and some paperwork to show for to the IRS simple as that I know with time anything is possible. So with that being said Remedy this wrong and do as I say or this could possibly go to Federal Court. Your company belittles consumers and I have met the right set of people who has educated me properly and made me aware fully of how to complete the process and even receive a check from your company. However, I dont want anything from you except to DELETE these accounts from consumer profile. 

I DEMAND YOU DELETE AND BLOCK ANY ACCOUNTS FROM REPORTING ON MY CONSUMER PROFILE!! 

ACCOUNTS : XXXX XXXX Date Opened : XXXX XXXX Amoun : {$1100.00} XXXX XXXX XXXX Date Opened : XXXX XXXX Amount : {$540.00} XXXX XXXX Date Opened : XXXX XXXX Amount : {$54.00} XXXX : XXXX, XXXX
Consumer complaint received 2023-02-12
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. (TX)

Equifax and XXXX are continuing to report the account XXXX XXXX XXXX XXXXXXXX on my credit report when XXXX XXXX XXXX  informed me that they have contacted the credit bureaus to have them remove the account. XXXX is the only credit reporting agency that has removed the inaccurate account. Please see the attached letter that was sent directly to XXXX XXXX XXXX  which is dated, and time stamped. XXXX XXXX has done their part, so if this is not immediately removed, I will be seeking legal action against Equifax and XXXX.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (TX)

I received a gift card for {$500.00}. XXXX XXXX XXXX card. The expiry date on the card is XX/XX/22. I have been trying for more than a month to activate this card but where ever I try the systems tell me that the card has expired. I have written to their customer service with no response. I have called them almost daily and held on for hours and hours to speak to someone with no response. In most cases, the call is cut off while holding.