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

According to my credit report, I noticed my privacy rights were violated. 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 an 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 XXXX 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. The accounts that are in violation of my rights are listed below. XXXX  XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX
Consumer complaint received 2015-06-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Richard Sokoloff, Attorney At Law (NY)

I am in the midst of a very difficult divorce. I was left with XXXX college aged children. My mom had just died and her house was destroyed by a burst pipe last year. During this time, I accrued a medical bill which I felt was unfairly inflated. I put it aside and forgot to address it due to my overwhelming present life situation. A few months ago, I tried to contact the now debt collector after trying to discuss the bill with the doctor 's office first. I am willing to pay the original amount for the medical bill but not the huge debt collection add on. Nobody is willing to comply. The original bill is for {$220.00}. The visit did n't even actually help. The original problem that I went there to be treated for still exists. The agency is asking me for {$310.00}. I refuse to pay extra {$91.00} for the collection fee. I need help with this. I feel helpless and I am trying to do the right thing even though I feel the original bill itself was inflated.
Consumer complaint received 2023-11-21
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. (IN)

I am writing to express my deep concern and frustration regarding the ongoing challenges I have faced in attempting to rectify inaccurate information on my credit report. Despite my persistent efforts and numerous attempts, the inaccuracies remain, adversely affecting my financial standing. 

I have diligently followed the dispute resolution process outlined by your agency, providing detailed explanations and supporting documentation to rectify the inaccuracies. Regrettably, these efforts have not resulted in the correction of the inaccurate information on my credit report. 

Enclosed with this letter are copies of my previous dispute submissions, along with the supporting documentation, for your reference. It is disheartening to note that, despite my compliance with the established procedures, the inaccuracies persist. 

I respectfully request an immediate and thorough investigation into this matter. I expect your agency to take prompt action to rectify the inaccuracies on my credit report and to provide me with a detailed written explanation of the steps taken to address and correct the information. 

Furthermore, I urge your agency to review and enhance its dispute resolution procedures to ensure a more efficient and effective process for consumers dealing with inaccurate information on their credit reports. 

If this matter is not resolved promptly and to my satisfaction, I am prepared to escalate my complaint to relevant regulatory authorities, including the Consumer Financial Protection Bureau. I believe in the importance of an accurate and fair credit reporting system, and I trust that your agency shares this commitment. I am asking for your assistance to remove the inaccurate items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-06
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. (NC)

Subject : Dispute of Verified Accounts and Request for Method of Verification under FCRA 611 ( 15 U.S.C. 1681i ) CFPB dispute number XXXX and XXXX and XXXX Dear CFPB, I am writing to formally dispute the accuracy of certain items on my credit report, which were previously verified by the credit reporting agencies. Despite my initial complaint, the credit reporting agencies have failed to provide adequate verification of the disputed items. Therefore, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and requesting a reinvestigation of the disputed items.

According to FCRA 611, the credit reporting agencies are required to verify the source of the information they used to return a " verified '' response to my initial complaint. Since the credit reporting agencies did not contact the Federal Trade Commission ( FTC ) to verify the underlying facts alleged in my identity theft affidavit, they have failed to disclose the source of their initial " verified '' response. 

I request that the credit reporting agencies either : 1. Verify the source of the information used to return a " verified '' response to my initial complaint, or 2. Delete all contested items from the credit report they maintain.

Failure to comply with this request will result in the credit reporting agencies being held accountable for willful noncompliance and negligent noncompliance with the FCRA. This includes compensating me for all credit denials attributable to the contested items in question. 

Please provide me with written confirmation of the actions taken regarding my dispute within 3 days. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

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
Consumer complaint received 2024-08-08
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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or deleted. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims, and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-08
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX XXXXXXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I am writing to file a formal complaint against Bank of America ( BOA ) and their relationship banker, XXXX XXXX, regarding unauthorized hard credit inquiries that were made on my credit report. The details of the incidents are as follows : Incident Details : Date of Inquiry : XX/XX/year> Date of Inquiry : XX/XX/year> Name of XXXX  Banker : XXXX XXXX Location of Branch : XXXX XXXX XXXX On XX/XX/year>, I visited the BOA branch and spoke with XXXX XXXX to discuss refinancing my XXXX  loan. During our conversation, I explicitly asked if the pre approval process would result in a hard inquiry on my credit report. XXXX XXXX assured me XXXX  times that it would not. Despite her assurances, within XXXX  of submitting the form, I received notifications from XXXX and XXXX XXXX XXXX indicating that a hard inquiry had been made by BOA. 

This is the XXXX  time BOA has misled me regarding hard inquiries. The XXXX  incident occurred on XX/XX/year>, under similar circumstances. This pattern of deceptive practices is unacceptable and has caused significant damage to my credit report. 

Consumer Rights and Laws Violated : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumers have the right to accurate and fair credit reporting. The act also mandates that a consumer must provide explicit consent for any hard inquiry to be made on their credit report. BOA 's actions, facilitated by XXXX XXXX, have violated these provisions by conducting unauthorized hard inquiries.
Consumer complaint received 2024-08-08
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)

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? 

Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this letter. I am sending this letter certified mail, return receipt requested so that I will have documented confirmation of delivery. 

XXXX  XX/XX/2023, XXXX  XX/XX/2023, XXXX  XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX  XX/XX/2023 and XXXX XXXX XXXXXX/XX/2023.
Consumer complaint received 2024-08-08
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)

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 2024-08-08
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXL XXXX XXXX Balance XXXX : {$0.00}
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have recently reviewed a copy of my consumer credit report and I noticed that I had a fraudulent account. I am referring to the account from XXXX XXXX XXXX with account number XXXX. Please remove this account from my report IMMEDIATELY because I did not authorize them and I do NOT recognize them. I have never entered into an agreement or a contract with XXXX XXXX XXXX which makes this a fraudulent account, inaccurate reporting to my consumer profile and a violation of my consumer rights under the FCRA and the FDCPA. This fraudulent account reporting is hurting my ability to obtain credit and is damaging my financial reputation. I demand for ALL forms of communication from XXXX XXXX XXXX to cease and for this account to be deleted. 

15 USC 1692 sec 805A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer
Consumer complaint received 2024-08-08
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-08
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. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-08
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)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2024-08-08
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX