davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This morning, I was shocked to find inaccurate accounts on my credit report and I can't figure out why. I checked my report like I normally do, but this time there were discrepancies that appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but nothing changedthe accounts stayed there. Now Im left feeling uneasy, and I need the documents I sent to be reviewed carefully so that I can put this behind me for good.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I bought a used vehicle through XXXX  on XXXX i believe and financed thru XXXX. 
I was paying the payments on time but XXXX was rough for me since i lost my business and it got shutdown and my financial situation shattered. My wife doesnt since we have a XXXX XXXX girl. 
So i called XXXX  because i was late on payment. I told my situation. The person understood and told me they will lower the monthly payment for 2 months i believe. not to sure. and they said it will go back to regular payment. And also they promised they wont report to credit companies as late payment. now that i have been working and making payments on time. To my surprise they did reported and it hurt my credit. They lied to me. and a week ago i texted and ask them to remove it since i am planning to buy my first house. I plead them N they said no. I m hopeless and helpless. Please help.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Aggravated Identity Theft Pursuant to 18 U.S.C 1028A. In general : Whoever, during and in any felony Violation Enumerated in Subsection ( c ). Knowingly Transfers, or Used, without lawful authority, ameans of Identification of another per shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. I am a victim of identity theft please block and remove these accounts immediately. 

Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Hello and good day, please take this complaint seriously as this has caused me undue stress and XXXX  because I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing an item on my report that I never was associated with. I filed an FTC report as I was instructed to by Equifax. I have sent in this report but this fraudulent item still remain.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX, and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists credit card opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, revolving accounts opened at XXXX XXXX on XX/XX/XXXX, XXXX XXXX  XXXX opened on XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX opened XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX opened on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX opened on XX/XX/XXXX, and XXXX XXXXXXXX XXXX XXXXXXXX opened on XX/XX/XXXX XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Atlanticus Services Corporation (IL)

Someone opened an account without my consent and paid for home security stuff from XXXX XXXX XXXX and when I pulled up an account other persons name was under that account but he said he didnt recognize it. The bank name is Fortiva.
Consumer complaint received 2024-10-17
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)

I would like to dispute the following items on my credit report. 

Equifax : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This morning, I was stunned to see inaccurate accounts on my credit report, and I cant figure out why theyre there. I check my credit report regularly, but this time, there were these unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but that didnt fix anything. The inaccurate accounts remained, no matter what I did. This is really worrying, and Im requesting that the documents Ive sent be reviewed thoroughly so I can finally stop stressing over this.
Consumer complaint received 2024-10-14
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)

XXXX has failed to provide written proof that I was the one who opened these accounts below ; XXXX XXXX XXXX - # XXXX XXXX XXXXXXXX XXXX - # XXXX XXXXXXXX XXXX XXXX XXXX I continue to hear the same response - According to our research, these accounts are valid. That tells me nothing - where is the written proof I requested? Anyone can call and report something- where is your proof, my signature? They have failed to submit this to me!
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am reaching out for your help concerning the false account on my credit report. This situation has hurt my reputation as a customer, and I need your support. I want these wrongly reported accounts removed due to their negative impact.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/year>, I submitted a formal request to Equifax for an investigation regarding an account listed as XXXX on my credit report, which I did not recognize. Following this request, Equifax deleted the account from my credit report. 

However, without providing me any prior notification, Equifax reinserted the account back onto my credit report. I became aware of this re-insertion only when I received a copy of my credit report from Equifax on XX/XX/year>. 

This action is a clear violation of Section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ), which requires Equifax to notify me in writing within five business days of re-inserting an item after it has been deleted. To date, I have not received any such notification. Additionally, I believe Equifax failed to conduct a proper investigation of the account, as they did not provide any evidence or further explanation as to why the account was reinstated. 

I request that the CFPB investigate this matter and hold Equifax accountable for violating my rights under the FCRA.
Consumer complaint received 2024-10-17
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. (TX)

I am XXXX XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-10-14
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-15
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. (WA)

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

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. 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. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I woke up this morning to find inaccurate accounts on my credit report, and Im completely baffled as to why this is happening. I regularly check my report, but this time, there were errors out of the blue. I even refreshed my browser, hoping it was just a glitch, but it wasn't. The incorrect accounts stayed. Im really hoping the documents I've provided are reviewed carefully so that I never have to stress over this again.
Consumer complaint received 2024-10-17
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: NAVY FEDERAL CREDIT UNION (NV)

Remove all inquiries on my credit report not attached to any accounts. 
Also requesting from the companies according to FCRA to pay {$1000.00} per inquiries on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-17
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. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-17
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. (VA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX AND EQUIFAX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX VA XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My accounts with XXXX XXXX XXXX and XXXX XXXX XXXX  were never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 XXXX, XXXX, XXXX, AND XXXX 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. XXXX XXXX XXXX and XXXX XXXXXXXX XXXX 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 2024-10-17
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)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX took out multiple credit cards and loans on mine and my family 's name without our knowledge, consent or authorization. We discovered this when we reviewed our credit reports XX/XX/XXXX. We have called the fraud departments of all credit cards and loan lenders and started a fraud investigation. We have called the FBI and XXXX  XXXX. We have filed a police report with our local police department. 

The following credit cards were taken out on my name without my consent, knowledge or authorization. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX for {$760.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX for {$2000.00} XXXX XXXX opened XX/XX/XXXX for {$3300.00} XXXX. XXXX opened XX/XX/XXXX for {$2100.00} The following loan was taken out on my name without my consent, knowledge or authorization : XXXX. XXXX XXXX XXXX opened XX/XX/XXXX for {$34000.00}