davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
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. (NY)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-10-15
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. (FL)

Issue Description with Credit Report 1. Incorrect Late Payments : There are late payments incorrectly reported on my accounts with Dept of Education/XXXX and XXXX XXXX, XXXX. These payments were either made on time or the reported late payments do not accurately reflect my payment history. These discrepancies have occurred over several months throughout XXXX and XXXX, impacting my credit score negatively. 

2. Unauthorized Hard Inquiries : Multiple hard inquiries have been recorded on my credit report that I did not authorize. These inquiries were listed under names such as SBA and other financial institutions, dated mainly in XX/XX/XXXX. These unauthorized inquiries have potentially lowered my credit score. 

3. Outdated Personal Information : My credit report lists outdated addresses which are no longer relevant to my current situation. These outdated addresses include locations I no longer reside at or have business with, which could affect the accuracy of credit and background checks. 

4. High Loan Balances : My report shows high loan balances, particularly with student loans managed by Dept of EducationXXXX , which are being reported with inaccuracies regarding the actual amounts and the status of payments. 

Actions Taken : I have reviewed my credit report thoroughly and have identified these inaccuracies and unauthorized records. I have not yet received any response or correction action from the credit bureaus or the financial institutions involved after discovering these issues. 

I request that these inaccuracies be investigated and corrected promptly to reflect my true credit history and protect my financial integrity. Please update me with any changes or information required to resolve these issues.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

On XX/XX/year> I sent Equifax, XXXX, and XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Consumer complaint received 2024-10-15
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. (SC)

I am 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 2024-10-15
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. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-15
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. (GA)

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 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently took a close look at my credit report and was shocked to find multiple items that are incorrect, unverifiable, and seem highly questionable. These errors have caused me a lot of stress, and its clear that your agency hasnt done enough to ensure that the information being reported is completely accurate, which is required by law.
Consumer complaint received 2024-09-27
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. (GA)

Called and was stated to file complaint with FTC. Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FULTON FINANCIAL CORPORATION (NJ)

On Friday XX/XX/XXXX, XXXX bank was officially closed and Fulton Bank took over opening on Monday XX/XX/XXXX. During this change of ownership, printed material was provided with timelines for how things would go. Fulton bank stated that new log on info would be provided via email for my business account, that email never came ( I have checked all my emails and spam folders ) Tried calling on Monday the XXXX, long wait times, I thought I would be patient because its a large undertaking moving all customers. On Tuesday the XXXX, I submitted an online ticket for some help and tried calling, again long wait times. Wednesday XX/XX/XXXX, went to branch, 7 customers deep with only XXXX employees helping customers, too long to wait, I have a store to run. Called, was on the phone waiting XXXX hour and XXXX minutes, gave up, added a comment to my online ticket, still no reply. Thursday XX/XX/XXXX, went to branch at XXXX, already several customers waiting, left again called and today their phone system saiddue to high call volume wait time is XXXX to XXXX hours. Tonight, finally had a reply to my online ticket saying we understand your frustrations regarding accessing your business account through your personal login. However, due to the recent conversion, Fulton bank does not offer business accounts under personal credentials. You may have received separate login email for your business with a temporary password/user name if you didnt please receive this please visit Fulton bank and a registration and sign up for small business online banking. Obviously I know I cant use my business account under my personal banking. However, they did not send me the proper information and they have now closed this ticket saying that its been resolved. 
Fulton Bank is not handling this transition well, I am definitely unsatisfied with them. 
Thank you for this opportunity and I look forward to hearing back from you. 
XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

This is not a duplicate request nor filed by a 3rd Party Credit Repair agency. I'm filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S. Code 1681c2 ) that you, EXPERIAN a consumer credit agency block information that is 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 personal credit card accounts opened at XXXX Account NumberXXXX XXXX XXXXXXXX Account NumberXXXXXXXX XXXX XXXX  Account Number:XXXXXXXX XXXX XXXX Account Number:XXXX  these accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, and or hard inquiries as reported. The aforementioned accounts, collections, and or 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are a result of identity theft and fraud.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Inaccurate Late Payment Reporting : Despite accounts being listed as " never late '' on my credit report, Experian has reported that I have 14 late payments. This discrepancy is damaging my credit score without any visible justification or support on the report itself. 
Lack of Transparency : Experian has failed to provide clear information regarding which accounts or companies are allegedly reporting these late payments. I have requested detailed information on the sources of these late payments, but Experian has not provided this information, which raises concerns about the accuracy and transparency of their reporting practices. 
Incomplete Account Information : Experian is reporting an account from XXXXXX/XX/XXXX Owner ( Account Number : XXXX ) as a negative account, yet the report lacks critical details such as account type, status, balance, original balance, monthly payments, and payment history. This incomplete reporting is misleading and further impacts my credit score negatively without proper justification. 
Failure to Resolve Previous Dispute : I submitted a dispute regarding these issues on XX/XX/year>, but Experian has not resolved the dispute. Despite providing evidence and following up on the dispute, the inaccuracies remain on my credit report, and I have not received a satisfactory response or correction from Experian. 
Potential FCRA Violations : Experian 's failure to provide complete and accurate information, their lack of transparency in reporting late payments, and their inability to resolve the dispute may constitute violations of the Fair Credit Reporting Act ( FCRA ), specifically Sections 623 and 611, which require accurate and fully disclosed reporting.

Negative Impact on Credit Score : These inaccuracies and the lack of transparency in reporting have resulted in an unjustly lowered credit score, which could affect my ability to obtain credit or other financial opportunities.
Consumer complaint received 2024-10-15
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. (SC)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

I had a home loan through XXXX XXXX, it states through their records and my personal bank statements that I was 30 days late in XXXX and XXXX of 2023. Have verified XXXX, but on equifax, XXXX and XXXX other showing dates for XXXX, XXXX, XXXX and XXXX were late. XXXX and XXXX has even been taken off of advantage credits reports once taking a XXXX wall call and verifying. 

Equifax and XXXX stated they needed a statement or something from XXXXXXXX XXXX stating which months I was late and to confirm XXXX and XXXX were not late, they obliged and sent a statement and record of payments attached ( as well as we attached my bank statements ) with my name and info attached in XXXX XXXX statement verifying it was me. These credit bureaus said that that was not enough, XXXX XXXX cant give me anything else further to give to the credit bureaus. Im basically battling them for them to do their job and report accurately so I can buy a home.
Consumer complaint received 2024-09-27
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. (WY)

On XX/XX/year>, I applied for a mortgage with XXXX XXXX Bank, Division of XXXX Bank in XXXX, Wyoming at around XXXX XXXX  via their secure online portal. The loan application had myself and my husband listed as the borrowers. By XXXX XXXX  XX/XX/year>, my husband had received XXXX phone calls from XXXX different mortgage companies asking about our mortgage application. All three phone calls came from Nebraska area code phone number but none of the mortgage companies are in Nebraska. ( We have Nebraska phone numbers and assume the caller numbers were spoofed to entice us to answer them ) The first text was from XXXX XXXX with a picture of his business card from XXXX XXXX Loans in XXXX, MI. The second company sent a text and phone call from XXXX with XXXX XXXX Mortgage XXXX. I talked to XXXX and he claimed to have known my husbands XXXX XXXX and told us that he had received our information from XXXX. I did get a call back number for him. The third caller claimed to have gotten our information from Experian. I can give further details on the companies that contacted us. 

Our bank had never heard of any previous customer receiving phone calls like this and prompted us to file a complaint.
Consumer complaint received 2024-09-27
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. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2024-11-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fairway Collections, LLC (WA)

I set up a payment arrangement they called me after saying they deleted it and forced me to pay the full amount due. Because they said they sued me after they agreed to the payment plan they said the deleted my payment plan after they agreed and set it up with my card info.
Consumer complaint received 2024-09-27
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXXXXXX 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 INQUIRIES : XXXX XXXX XXXX XXXX, XXXX  EXPERIAN XXXX XXXX XX/XX/year> XXXX  : CHILD SUPPORT ENFORCEM XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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 2024-09-27
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. (NV)

To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.
Consumer complaint received 2024-09-27
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. (CA)

Hello and good day, my right to privacy is being violated and breached. I never gave permission for this information to be reported on my credit report. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy and also violating my right to privacy. It's hurting my credit score and impacting my life negatively.