davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
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. (CA)

I have identied several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address this issues. These accounts are in connection to identity theft on fraudulent activity. The credit reporting agencies have not adhered to federal trade commission regulations and have failed to correct these discrepancies. This noncompliance represents a clear infringement on my consumer rights. I am seeking the assistance of the federal trade commission, as well as the consumer nancial protection bureau to facilitate the removal of certain negative accounts for my credit report, these accounts have not been addressed in accordance with relevant compliance standards, and I require the consumer nancial protection bureau 's intervention to ensure proper resolution of these issues if these companies fail to remove these accounts, I will le a complaint with the XXXX XXXX XXXX  as well as with the Oce of the comptroller of the currency
Consumer complaint received 2024-10-22
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. (NM)

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 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX I am natural person. l am the natural person submitting this complaint, and I am requesting that these negative items be removed from my consumer report under the laws 9.506. I did not give authorization. I am filing this complaint to address multiple inaccuracies on my credit report that are affecting my credit score and financial health. The issues are as follows : Incorrectly Reported Charged-Off Accounts : The following accounts are inaccurately reported as charged off : XXXX  ( Account # XXXX ) XXXX BANK ( Account # XXXX ) XXXX  XXXX BANK XXXX XXXX Account XXXX XXXX ) XXXX XXXX XXXX  ( Account # XXXX ) These accounts should not be charged off. I request verification of the charge-off status or correction to a zero balance and removal of the negative status. 
Disputed Payment Records : The following accounts inaccurately show missed and late payments : XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX  ( Account # XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX  ( Account # XXXX ) I request detailed records of all payments and missed payments for these accounts. 
Unverified Collection Accounts : Collection accounts are listed from agencies I do not recognize : XXXX XXXX XXXX ( Account # XXXX, Original Creditor : XXXX ) XXXX XXXX  ( Account # XXXX, Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX, Original Creditor : XXXX XXXX XXXX XXXX XXXX I request evidence from the original creditors showing these agencies have the legal right to collect these debts or that the accounts be deleted. 
Unauthorized Credit Inquiries : Multiple inquiries are listed that I did not authorize : XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX  ( Date : XX/XX/XXXX ) XXXX XXXX XXXX Date : XX/XX/XXXX ) XXXX XXXX  XXXX Date : XX/XX/XXXX ) I request removal of all unauthorized inquiries. 
Despite my efforts to address these issues directly with credit bureaus and creditors, they remain unresolved. I am seeking your assistance to ensure these inaccuracies are corrected promptly.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$480.00} XXXX previously submitted a dispute to Equifax regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Equifax failed to conduct a thorough investigation and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Equifax upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$480.00} I previously submitted a dispute to Equifax regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Equifax failed to conduct a thorough investigation and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Equifax upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Subject : Urgent Request for Intervention Regarding XXXX XXXX  and Credit Reporting Issues To Whom It May Concern at the Consumer Financial Protection Bureau : I am writing to formally request immediate intervention concerning severe XXXX XXXX  and credit reporting issues related to my experience as a survivor of XXXX XXXX. While I have received a FCRA 605 ( c ) block on my XXXX credit report, I urgently seek similar relief from Equifax and XXXX, in addition to addressing ongoing issues with various creditors and XXXX. 

**Key Points of My Complaint : ** 1. **Credit Reporting Agencies ( Equifax and XXXX  ) ** : - I request the immediate implementation of FCRA 605 ( c ) blocks on my credit reports. 
- Removal of all adverse information, inquiries, and addresses linked to my XXXX  experience. 
- Issuance of new, updated credit reports reflecting these changes. 
- Reset of online portals ( XXXXEquifax and XXXX ) to facilitate proper monitoring of my information. 

2. XXXX : - I have faced severe adverse reactions from XXXX due to my status as a survivor, which has caused me significant distress and financial burden. 
- My services were terminated, leaving me without phone access. 
- XXXX has failed to address hacking incidents involving my accounts, perpetuating my victimization. 

3. **Other Creditors ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) ** : - These creditors have failed to comply with the law regarding my status as a XXXX  survivor. 
- I continue to receive attempts to hold me liable for fraudulent and coerced debts. 
- They have disregarded the Victim Determination Documentation ( VDD ) I provided. 

I reside in XXXX  and will be seeking a court-appointed document confirming my status as a victim of XXXX XXXX. However, I request immediate remedies under the XXXX XXXX XXXX XXXX and FCRA 605 ( c ). Due to issues with XXXX, please contact me exclusively via email at XXXX. 

It is imperative that the CFPB investigates these matters urgently and assists in implementing necessary remedies. The ongoing failures of these companies to address my situation as a XXXX  survivor are causing continued victimization and hindering my recovery. 

While XXXX, many victims suffer financial abuse, which I have also endured. CRA 1221 outlines provisions for financial relief from adverse accounts across all credit reporting agencies. As XXXX has complied with my requests, I am now seeking the same from Equifax and XXXX, including the permanent removal of all adverse tradelines and inquiries from my consumer report. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I am experiencing discrepancies in the reporting of my student loan accounts across different credit bureaus. 

DEPT OF EDUCATIONXXXX - XXXX accounts XXXX XXXX. XXXX : Reports my student loan payments from [ XX/XX/XXXX ] to [ XX/XX/XXXX ] with no late payments listed. 
XXXX. XXXX and Experian : Show the same student loan accounts with late payments reported for the period from [ XX/XX/XXXX ] to [ XX/XX/XXXX ]. The discrepancies involve late payments reported in the period from [ XX/XX/XXXX ] to [ XX/XX/XXXX ] The dates are inconsistent between the reports from XXXX and Experian compared to XXXX. 

*See Attached
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$480.00} I previously submitted a dispute to Equifax regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Equifax failed to conduct a thorough investigation and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Equifax upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Consumer complaint received 2024-09-09
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. (OH)

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 2024-08-11
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)

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, data furnishers are required to provide complete and accurate information to credit reporting agencies. Reporting an incorrect or inflated amount, particularly after a charge-off, constitutes a violation of this statute. If the balance includes fees, interest, or charges that are unlawful or inaccurately represented, it must be corrected or removed from my credit report.

Violation of the Fair Debt Collection Practices Act ( FDCPA ) Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e ( 2 ), debt collectors are prohibited from making false or misleading representations about the amount, character, or legal status of a debt. If the reported amount includes unlawful fees, interest, or other charges, it is a violation of this federal law. My rights have been violated under the Fair Debt Collection Practice Act and Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2
Consumer complaint received 2024-08-11
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. (IN)

I filed for bankruptcy on XX/XX/year>, with the United States Bankruptcy Court for the XXXX XXXX XXXX XXXX, Case # XXXX. The bankruptcy report was not obtained from the courts, as their website states they do not report to credit agencies. Therefore, it is not possible for them to have provided that information.
Consumer complaint received 2024-08-11
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. (IN)

Iv called multiple time to get all these inquires removed do to that fact that I don't recognize any of them and these inquires was not giving approval by me. 

XXXXXXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX Location XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, IN XXXX Requested On XX/XX/XXXX Phone Phone number not available Inquiry Type Individual XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX SD, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX And on 15 USC 1681b these have no permissible purpose to be on my credit report anyways.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

They have Incorrectly posted multiple late payments on my report for open and closed accounts : Open accounts : XXXX Closed accounts : XXXX XXXX XXXX - When I requested proof i was late, it was never provided and credit report not updated. I have never made a late payment in my life so this report is inaccurate and Id like the file updated to paid on time respectively. Especially the car loan which was paid off completely they didn't report for over 8 months then all of a sudden i had a handful of late payments leading up to paid in full. These are ALL inaccurate. I need everything removed and fixed please.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

The reporting of the following account is a violation of my rights to be penalized with double jeopardy : Account XXXX : XXXX XXXX XXXX XXXX  ) Account XXXX # XXXX. 

This account needs to be removed from my credit report immediately due to pay for delete arrangement with Account XXXX : XXXX XXXX XXXX Account XXXX # : XXXX the current creditor for previous Account : Account XXXX : XXXX XXXX XXXX XXXX XXXX  ) Account XXXX # XXXX. 

Per the arrangement, once the settlement amount of {$600.00} was paid on or before XX/XX/year>, XXXX XXXX XXXX would delete the listing from my credit report. Attached is a copy of the arrangment, confirmation of settlement payment and verification that the account is still reporting incorrectly on my credit report. Both companies own the same debt, with a balance. As you know, this is not possible and also a violation of my rights to be penalized with double jeopardy as well as a violation of my right to fair and accurate credit reporting. Because of this, BOTH accounts need to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you. Please delete immediately Account : XXXX XXXX ( XXXX XXXX ) Account # XXXX from my credit report. 

When the requested above deletions are made, please mail me an updated copy of my credit report The inaccuracies are highly injurious to my credit score and in accordance with The Fair CreditReporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.
Consumer complaint received 2024-08-11
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)

All three credit bureaus : XXXX, Equifax, and XXXX are reporting a fraud account from XXXX XXXX in the amount of {$1900.00}. This is not my account it is a result of identity theft. I have disputed this fraud account several times with the three credit bureuas.
Consumer complaint received 2024-08-10
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. (DC)

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 XXXXXXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 generallf, 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 suppose 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.