davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
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)

on XX/XX/XXXX I Discovered a fraudulent account on my credit profile From XXXX XXXXXXXX XXXX. The creditor that is reporting on my report is XXXX XXXX XXXX  for the amount due of {$1600.00} ( Account # XXXX ) On XX/XX/XXXX I filed an identity theft report and a police report with my local department. I also filed a dispute with XXXX and Equifax requesting this item be removed due to being fraudulently obtained in my name. This Dispute process has gone on way to long and i have yet to see any results being made. 

Today is XX/XX/XXXX Almost a year later and I am now reaching out to the CFPB to investigate more into this situation.
Consumer complaint received 2024-08-20
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)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : [ XXXX XXXXXXXX XXXX XXXX  ; Account Number : # 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 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 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXXXXXX XXXX XXXX XXXX XXXX was 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 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. XXXXXXXX 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 XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-11-11
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. (NY)

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX  XXXX XXXX XXXX & XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Consumer complaint received 2024-08-19
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)

I am writing to express my urgent concern regarding the inaccuracies on my credit report. Despite multiple attempts to address and resolve these issues, I have yet to receive any resolution or corrective action. The disputed accounts in question are seriously damaging my credit file and severely affecting my daily life.

The inaccuracies have caused significant hardship, and I am now seeking your immediate assistance to address this matter. I request a comprehensive investigation into each disputed account and prompt action to update and correct my credit report.

Restoring the accuracy and integrity of my credit file is crucial for my financial well-being. I appreciate your swift attention to this matter and look forward to your prompt resolution.

Thank you for your understanding and cooperation.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I'm a victim of identity theft, my personal information has been compromised. An account was fraudulently opened using my information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Balance : {$8400.00}. I need this fraudulent account to be removed from my credit report immediately, it is hurting my credit drastically. I was in a bad a car accident a few years ago, since then I have been hospitalized and unable to monitor my finances. I contacted XXXX XXXX and advised them that this account was opened fraudulently. PLEASE REMOVE FROM MY CREDIT REPORT, I WILL BE ATTACHING THE IDENTY THEFT REPORT THAT I FILED WITH THE FTC.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with was 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 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 8
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX was 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 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. XXXX XXXX XXXX XXXXXXXX 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 XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

This serves as a registered complaint about Experian, located at po box XXXX XXXX, XXXX  XXXX. A description of my problem with this credit bureau is following : I am writing to formally address a significant issue with Experian 's reporting on my credit profile. Due to Experian inaccurately reporting data, I have faced critical difficulties in obtaining credit, employment, insurance, and housing. This situation has severely affected my life and financial stability. 

Despite my continuous efforts to resolve this problem, Experian has neglected to correct the inaccuracies in my report. I have sent several priority letters to Experian, all of which have been ignored. Here is a chronology of events and actions I have taken to resolve this issue : XXXX. XX/XX/XXXX, XXXX : Sent the first priority letter to Experian requesting the correction of inaccurate information on my credit report. 
XXXX. XX/XX/year>2024 : Sent a second priority letter after receiving no response to the first correspondence. 
XXXX. XX/XX/year>2024 : Made multiple phone calls to Experian 's customer service department at XXXX, but received no assistance. 
XXXX. XX/XX/year>2024 : Sent a third priority letter insisting on the correction of the erroneous items but received no response. 
XXXX. XX/XX/year>2024 : Contacted Experian 's customer service again and asked to speak to a supervisor but was unable to resolve the issue. 
XXXX. XXXX XXXX, 2024 : Sent a fourth priority letter and enclosed copies of previous letters as proof of earlier communications. 
XXXX. XX/XX/year>2024 : Attempted another contact with customer service at XXXX, without achieving a resolution. 

Under the provisions of 15 U.S.C. 1681, I demand that the items in question be permanently deleted and removed from my credit report. Failure to comply with this request will result in the credit agency 's liability to pay me {$1000.00} per item, in accordance with the civil liability stipulated in 15 U.S.C. 1681. 

It has been a challenging and frustrating experience trying to get this matter resolved. The lack of responses and assistance from Experian has made it seem like I am on a mission impossible. I urge Experian to address and correct these inaccuracies promptly. 
While I understand that you do not take action on behalf of an individual consumer, I want you to be aware of the troubles I have been experiencing with Experian. I hope that if you receive enough complaints, you will do what you can to make sure that this credit bureau can not XXXX other consumers as it has XXXX  XXXX.
Consumer complaint received 2024-08-19
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 have been disputing my letters for the longest and no one is seeming to take my complaint into consideration. Ive had issues attaching my report along with my letter but I was finally able to attach the report. Please investigate my complaint.
Consumer complaint received 2024-08-19
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)

I've been trying to fix this issue with Equifax for a while now. On my credit report there are a few items that I have noticed that are invalidated/inaccurate. I have tried to fix this issue with this agency in the past, their investigation did not fix the issue. Under the FCRA any item that is inaccurate/invalidated can not be furnished on a consumer credit file. This issue has cause me trauma and major XXXX  distress and is a detriment to my overall health, because of the sudden dramatic change that has affected my credit file. It is up to them to fix this issue and remove these accounts asap.I 've been trying to fix this issue with XXXX for a while now. On my credit report there are a few items that I have noticed that are invalidated/inaccurate. I have tried to fix this issue with this agency in the past, their investigation did not fix the issue. Under the FCRA any item that is inaccurate/invalidated can not be furnished on a consumer credit file. This issue has cause me trauma and major mental distress and is a detriment to my overall health, because of the sudden dramatic change that has affected my credit file. It is up to them to fix this issue and remove these accounts asap.
Consumer complaint received 2024-08-20
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 am writing to request the removal of certain information from my file. The items in question are listed in the report I have provided. I am a victim of identity theft and did not make the charges in question. I have reported the theft to the Federal Trade Commission and have enclosed copies of the Identity Theft Affidavit. 

Please delete these items from my credit report as soon as possible. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

I have my bank statements and funds being used checks being cashed and nothing is been done my name is XXXX XXXX and I bank with trust and they still let money come out my account I wan na report fraud and my money returned or I'm sue
Consumer complaint received 2024-08-19
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. (NJ)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 



EQUIFAX Listed below are the Inquiries that are being challenged INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX XXXX Listed below are the Inquiries that are being challenged INQUIRY - XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY - XXXXXXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX XXXX INQUIRY - XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX  XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX IncorrectPersonalEmployers XXXXXXXX XXXX XXXX XXXXncorrectPersonalEmployers XXXX XXXX XXXX  IncorrectPersonalEmployers XXXX XXXXXXXX XXXX XXXX IncorrectPersonalCurrent addresses XXXX XXXX XXXX XXXX IncorrectPersonalPrevious addresses XXXX XXXXXXXX XXXX XXXX IncorrectPersonalPrevious addresses XXXX XXXX XXXX - Incorrect
Consumer complaint received 2024-08-19
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. (NJ)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a XXXX XXXX. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX