davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NV)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( 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 XXXX 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 of a personal credit card account opened at XXXX XXXX XXXX Bank XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of $ ( XXXX ) that appears related to the aforementioned personal credit card account opened at XXXX XXXX Bank. 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 # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud inquiries : XXXX XXXX card
Consumer complaint received 2024-08-09
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: Experian Information Solutions Inc. (AL)

Companies that did unauthorized credit check DATE COMPANY ADDRESS REQUEST ORIGINATOR XX/XX/XXXX XXXX XXXXXXXX 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

I am cosigner of my daughters XXXX XXXX account. My daughter always made payments in good standing She went into a special plan in XX/XX/XXXX due to loss of job and made payments every month until In XXXX of XXXX payment was 2 days late and XXXX XXXX refused to take payment. Response from XXXX XXXX was call back account was not in collections. XXXX XXXX would not respond to repeated attempts to take paymemt and sent account to collections. My daughter and I each have {$10.00} XXXX to XXXX XXXX and that is not even the correct amount! I am XXXX XXXX XXXX and had great credit. I have a mortgage since XXXX in good standing and purchased a car last year. XXXX XXXX has pretty much ruined my life!!!! Please who can help. Thank you
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

There are several erroneous errors reporting late on all three major credit reports for my XXXX XXXX account. Equifax, XXXX and XXXX are reporting that I have paid late from XX/XX/year> to XXXX of XXXX. This information is false and I have supporting documents to show the payments that were made to the company that bought the XXXX  XXXX Account, XXXXXXXX XXXX XXXXXXXX! The XXXX credit bureaus are also not reporting that I have made a payment in XXXX of XXXX.
Consumer complaint received 2024-10-03
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: Experian Information Solutions Inc. (KS)

Ive identified errors on my credit report that fall under the regulations of 15 USC 16c-2. These inaccuracies are harming my credit rating, and the inquiries in question were not approved by me.
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. (FL)

This account has a late payment of 60 days XX/XX/year> which is inaccurate since a payment can not appear at once in 60 days, it should have a late payment of 30 days XX/XX/year> and it does not, it does not show the balance of the account, the payment date and the amount paid. This inaccurate information falsely manipulates the statute of limitations. You did not investigate this account properly and your negligence has violated my rights. I demand to eliminate late payment from the following account : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
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. (MI)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. 

Negligence of this law within the FCRA activates your company to be liable for damages sited in 15 USC 1681n and 15 USC 1681o. 

Please Delete XXXX XXXXXXXX from my credit report because of multiple violations of the Fair Credit Reporting Act!
Consumer complaint received 2024-08-28
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. (WA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/Charge off : 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 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 XXXX XXXX XXXX XXXX XXXX
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. (NV)

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 2024-10-16
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. (TX)

I, XXXX XXXX. 
XXXX. XXXX. 
XXXX. 
XXXX. XXXX. 
XXXX. 
AFFIDAVIT OF IDENTITY THEF XXXX, being duly sworn, hereby depose and state : Identity Information Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, Texas XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Affirmation of Identity Theft I affirm that I am a victim of identity theft. I am challenging a dispute with a Federal Trade Commission ( FTC ) report regarding the following unauthorized accounts and inquiries that have appeared on my credit report. Unauthorized Accounts to be Removed The following accounts are fraudulent and were opened without my consent : XXXX XXXX ( XXXX ), Date Opened : XXXX XXXX, XXXX, Balance : {$39000.00}, Account : Charged off XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$34000.00}, Account : Charged off XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$21000.00}, Account : Charged off XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Account : Closed XXXX-XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$3400.00}, Account : Collections Unauthorized Inquiries to be Removed The following inquiries were made without my permission : XXXX  / XXXX XXXX  / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX/ XXXX XXXX XXXX / XXXX XXXX XXXX XXXX  / XXXX Request for Updates For the account below, please update the payment dates for XX/XX/XXXX and XX/XX/XXXX : XXXX XXXX  ( XXXX ), Opened Date : XX/XX/XXXX, Balance : {$59000.00} Legal Justification Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute the accuracy of these items and request their removal due to violations of my federally protected consumer rights. Specifically : 15 U.S.C. 1681 Section 602A guarantees my right to privacy.

15 U.S.C. 1681 Section 604A ( 2 ) prohibits reporting agencies from furnishing accounts without my written consent.

15 U.S.C. 1681c ( a ) ( 5 ) restricts adverse items older than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) states that no inaccurate information should be furnished.

Notice of Compliance If the accounts listed can not be verified, they must be removed immediately in accordance with FCRA Sections 609 & 611. Failure to respond satisfactorily within 30 days may result in legal action.

Further Affiant Sayeth
Consumer complaint received 2024-08-28
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. (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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

I have, for the past week, been trying to use the Equifax online website registration service to attempt to create an account and let me put a credit freeze on my account. I've put a credit freeze on my accounts at XXXX and XXXX already very easily without hassle online in less than, but Equifax will not let me put a freeze without making me mail them copies of a State ID and SSN and State Form. This is dangerous since it gives the people that have my info public the chance to use my information while I wait XXXX or more business days for Equifax to even get back to me. Why am I able to easily put a freeze with XXXX and XXXX, but not Equifax? This is completely unacceptable. I refuse to have to go through this much effort just for the chance to be able to protect myself.
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. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-18
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. (TN)

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 2015-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

Regards
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Back in XXXX Trans Union , Equifax and XXXX were reporting this XXXX XXXX XXXX  account in collections with XXXX XXXX XXXX 
It was disputed back then and removed. Recently XXXX XXXX bought it from XXXX and started reporting it again. Now if this account was being reported in XX/XX/XXXX, It could not have been open in XX/XX/year> as XXXX XXXX has now verified 3 times over. XXXX XXXX is intentionally manipulating crucial information, which has harmed my credit score. This is intentionally done and XXXX. Equifax and XXXX is allowing it to happen. This tradeline needs to be immediately deleted from all 3 agencies once and for all. XXXX XXXX should be put out of business. My civil rights have been violated and my health has suffered due to this issue. THIS IC SYSTEMS ACCOUNT IS BEING REPORTED INTENTIONALLY INACCURATE TO ENSURE IT REPORTS LONGER THAN IT SHOULD. WITH HIGHER AMOUNTS AND THEY REFUSE TO PROVIDE ANY VERIFICATION UPON REQUESTED, PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 
( see attachment )
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. (VA)

To Whom It May Concern, My name is XXXX XXXX, and I am writing this letter personallynot through any third party. I am fully aware of my consumer rights, and what has occurred regarding my account is both unlawful and unacceptable. I have attached a valid identity theft report from https : //www.identitytheft.gov/. When I called to check the status of my dispute, I was informed that it was rejected because the identity theft report was deemed not real. This is absolutely false and against the law. 

I am addressing a serious violation of 15 U.S. Code 1681b, which outlines permissible purposes for accessing and using consumer reports. Specifically, under subsection ( a ) ( 2 ), no entity is allowed to obtain or report information from my consumer report without my explicit written consent. Furthermore, the account listed below is inaccurate and misleading. I have enclosed a copy of my credit report showing the disputed information. The account is being reported as a charge-off, but I have evidence ( screenshot attached ) that proves this information is incorrect. I am demanding that XXXX XXXX provide proof of my original signature and evidence showing how the account was opened. 

I was unavailable for personal reasons at the time the account was opened, and my personal information was used without my consent to create fraudulent accounts in my name. I demand that these accounts be blocked and removed immediately to prevent any further unauthorized use of my identity. This also falls under Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

I have not given XXXX XXXX any consent to open or use these accounts, and therefore, they must be removed from my credit report immediately. If this is not done, I will pursue legal action in small claims court for monetary damages. Additionally, I have already filed complaints with the Consumer Financial Protection Bureau, the Attorney Generals Office, the XXXX XXXX XXXX and the Federal Trade Commission. 


Under penalty of perjury, I state that this account is false and misleading : XXXX  XXXX Account Number : XXXX Please remove it from my credit report immediately. 


I am aware that many consumers, including myself, have been receiving generic form responses to disputes without proper investigation. This is illegal, as each dispute must be reviewed and addressed individually. 

Let me be clear : I am the author of all correspondence sent in my name, and every dispute has been submitted with my full knowledge and consent. There is no legal basis for delaying my dispute processing, and I do not require a power of attorney to exercise my rights. 

If you fail to address my concerns promptly and remove this inaccurate account, I will consider it a willful violation of my rights and proceed with legal action. XXXX XXXX and XXXX will be held accountable for damages up to {$1000.00} for each proven violationand there are plenty. 

This is a formal demand. 

Sincerely, XXXX XXXX