davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Iam writing to formally dispute and request the immediate removal of several fraudulent accounts and inquiries that have appeared on my credit report as a direct result of identity theft stemming from the Equifax data breach of XXXX. As a victim of this breach, I am entitled to protections under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. The fraudulent accounts listed below were opened without my knowledge or consent and must be permanently removed and blocked from my report. 
The following accounts must be removed immediately : Account Name : RocketLoans Account Number : XXXX Date of Adverse Information : XX/XX/XXXX Reason2.for Dispute : Identity theft related to the Equifax data breach. Account Name : Department of Education Account Number : Not Listed Date of Adverse Information : XX/XX/XXXX Reason for Dispute : Identity theft related to the Equifax data breach. 3. 
Account Name : Department of Education Account Number : Not Listed Date of Adverse Information : XX/XX/XXXX Reason for Dispute : Identity theft related to the Equifax data breach. 
Additionally, the following inquiries must be removed, as they were unauthorized and related to identity theft : 1. 
Inquiry Name : XXXX Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft related to the Equifax data breach. 2. Inquiry Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft related to the Equifax data breach. 3. Inquiry Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft related to the Equifax data breach. Date of Inquir Inquiry Name : XXXX XXXX  XXXX : XX/XX/XXXX Reason for Dispute : Identity theft related to the Equifax data breach. 

Ihave also provided a letter of proof that Iwas impacted by the XXXX Equifax data breach, which Iobtained from the Equifax Data Breach Settlement website. Additionally, Ihave included documentation showing that XXXX has already investigated and removed the fraudulent accounts and inquiries from my credit report. Please find this documentation enclosed for your reference. 
In further support of my claim, Ihave provided the following documents : Acopy of the FTC Identity Theft Report ( FTC Report # XXXX ). 
A notarized Affidavit of Identity. 
Proof of identity and address, including a government-issued DI and a utility bill.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Account Name : XXXX XXXX Account # : XXXX I am writing to formally dispute an inaccurate charge-off entry on my credit report. This error violates both federal regulations under 12 CFR 1026.11 and my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer laws. I request that Equifax take immediate action to delete this inaccurate charge-off entry from my credit report.

Consumer Laws Violated : 1. 12 CFR 1026.11 ( Credit Reporting Accuracy and Integrity ) : According to this regulation, consumer reporting agencies must ensure that all information furnished is accurate, complete, and up to date. The continued presence of this incorrect charge-off, which does not reflect my true credit status, demonstrates a lack of accuracy and integrity in reporting. 
2. Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ) : This section entitles me to have accurate and complete information on my credit report. The presence of a charge-off that is inaccurate is a violation of this right, as it misrepresents my creditworthiness to lenders.

3. FCRA Section 611 ( a ) ( 1 ) ( A ) : Under this section, Equifax is obligated to investigate and correct or delete any information that is found to be inaccurate or unverifiable. Failure to delete this charge-off is a breach of this duty.

4. Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 10 ) : Any representation of incorrect information, including an inaccurate charge-off, misleads and can deceive potential creditors regarding my true financial position. 

Equifax also does not have an account number listed this is a violation of FCRA. How are you able to validate or verify account information when you dont have an account # to match to me.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

Incorrect Names and Addresses on Credit Report XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD, XXXX I am submitting this complaint to address the reporting of inaccurate personal information, including incorrect names and addresses, on my credit report. Specifically, any name that does not exactly match XXXX XXXX and any address other than XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD, XXXX is incorrect and must be removed immediately to ensure accurate reporting. 

Applicable Consumer Laws Violated : 1. Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ) : This law entitles me to a credit report that contains only accurate information about my identity. Including incorrect names or addresses on my report violates my right to clear and correct reporting.

2. FCRA, Section 611 ( a ) : I have the right to dispute inaccurate or incomplete information, and the credit reporting agency is obligated to investigate my dispute, correct or delete inaccurate entries within 30 days, and notify me of the result.

3. FCRA, Section 604 ( c ) ( 1 ) ( B ) : This section mandates that credit reporting agencies must take steps to prevent the misidentification of individuals, which includes ensuring that incorrect names and addresses do not remain on my report.

4. Fair Debt Collection Practices Act ( FDCPA ), Section 807 ( 10 ) : Misrepresentation of my identity with incorrect names and addresses may mislead third parties about my creditworthiness and could amount to deceptive practices.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-17
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)

My personal data has been breached at least XXXX times between XXXX and XX/XX/XXXX. Every piece of my personal data has been exposed to the world. Including my home address, email address, phone number, social security number and date of birth. This is deeply troubling and scary as a woman I feel very exposed and don't know how to handle this. I was made aware that there was a claim that could have been filed however I missed the cut off date but that wasn't really important to me. I'm sure that I can be made whole without the need for financial compensation.
Consumer complaint received 2024-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am not liable for this debt with XXXX XXXX. ( account # Account number XXXX as I have previously filed a complaint with Federal Trade Commission and Consumer Financial Protection Bureau due to Identity Theft because of Data breach. XXXX XXXX  has reported collection on my credit report # Account number XXXX OPENED ON XX/XX/XXXX XXXX XXXX XXXX Account ending XXXX I DO NOT HAVE ANY CONTRACT WITH XXXX XXXX XXXX NITHER DID THEY PROVIDE ME WITH any Original contract with my signature on it with their COMPANY. XXXX XXXX  date opened XX/XX/XXXX XXXX XXXX XXXX AC # XXXX Date opened XX/XX/XXXX PLEASE SEE ATTACHMENTS : REPORT FILED WITH FTC and I have also filed a complaint against them on XXXX.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2024-10-07
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. (PA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-11-02
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. (NC)

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

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

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

It is believed to be insider Fraudulent activity and violation of the Federal Credit Union Act. 
I request you please conduct a complete investigation to determine the following specifics : XXXX ) exactly who made a cash withdrawal from my Navy Federal Credit Union Checking Account Ending in XXXX ; XXXX ) which Navy Federal Credit Union did the withdrawal occur ; XXXX ) exactly how Navy Federal Credit Union allowed what is believed to be a fraudulent withdrawal occur. 

I XXXX XXXX swear or affirm I did not withdraw {$4300.00} in cash from my Navy Federal Credit Union Checking Account ending in XXXX on XXXX. 

I have a banking Statement as supporting evidence to show a cash withdrawal of {$4300.00} occurred on XXXX.
Consumer complaint received 2024-10-26
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. (MA)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2024-10-26
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. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate and Unlawfully Furnished Information on Credit Report Dear CFPB Representative, I am writing to formally dispute inaccurate and unlawfully furnished information that appears on my credit report. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  ( Also known as XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I reviewed my Equifax credit report on XX/XX/year>, and found the above items to be incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual to whom the report relates, in accordance with 15 U.S.C. 1681 ( e ) ( b ).

Furthermore, 15 U.S.C. 1681i ( 5 ) specifies that if disputed information is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, the consumer reporting agency must : ( i ) Promptly delete or modify the inaccurate or incomplete information in the consumer 's file, as appropriate.

( ii ) Notify the furnisher of the information that the information has been modified or deleted.

Additionally, under 15 U.S.C. 1681s-2, it is unlawful for a person to furnish any information to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I request that the CFPB investigate these violations and take appropriate action to ensure my rights are protected. Please delete the inaccurate and unlawfully furnished information from my credit report and notify me of the results of your investigation in writing. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-30
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (NH)

On XX/XX/year>, I went to XXXX XXXX  XXXX in XXXX XXXX XXXX, NH and made some purchase. The store employee endorsed the XXXX 's XXXX XXXX. When I asked about the application process, I was told that it would be a soft inquiry on my credit account. Now my credit report shows that an hard inquiry was made on my account. 

I called Barclay 's on XX/XX/year> and they told me to contact the XXXX & the credit bureaus.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

There were a lot of money missing from my checking account and unidentified charges to my account. There was also a dispute that was made where I gave them proper documents and provided police report and the bank still kept my money. I am missing XXXX from my checking account with Wells Fargo and they close out my account saying I owe XXXX.
Consumer complaint received 2024-10-26
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 writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue.

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made On Time : I made the payment for XX/XX/XXXX on time. I have provided bank statements and payment confirmation receipts showing that the payment was processed before the due date, but the late payment was inaccurately recorded. 
Clerical Error at XXXX XXXX XXXX  : After reviewing the account, it became evident that the late payment was a result of a clerical mistake on the part of XXXX XXXX XXXX. The payment was mistakenly applied late despite being made on time. I contacted customer service, and they confirmed the error. I have attached email correspondence from XXXX  XXXX XXXX confirming this issue. 
Account Closure : The account was fully paid off and closed as of XX/XX/XXXX, and no further activity or payments should have been reported after that date. The presence of a late payment in XX/XX/XXXX is not only inaccurate but also impossible given the account 's closure status. I have attached the account closure statement from XXXX  XXXX XXXX as evidence. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX