davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau.

Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 
Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. ( XXXX XXXX XXXX  XX/XX/year> ) .I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents.

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. 
It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months. 15 USC 6802 Obligations were to respect to disclose of personal information XXXX XXXX  opt out. A financial institution may not disclose non public personal information to a non public affiliate or third party. 15 USC 1692F part 6 unfair practices, talking or take any non judicial action to effect or dissent disabledment of property. Theres no present right to claim it. Sincerely
Consumer complaint received 2024-08-18
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. (MD)

This letter is to disputes few discrepancies Ive noticed on my credit report, including accounts and personal information which I believe is inaccurate. I am asking for your assistance in investigating and correcting this information. 

Below is the information listed on my credit report that needs to be reviewed and potentially removed from my credit report. 

Personal Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Accounts XXXX XXXX ACCOUNT # XXXX Date opened XX/XX/XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX Account number XXXX Date open XX/XX/XXXX Balance {$5100.00} XXXX XXXX XXXX account number XXXXXXXX XXXX  Date open XX/XX/XXXX Balance {$20.00} XXXX card Account number XXXX Date open XX/XX/XXXX Balance {$6900.00} XXXXXXXX XXXX  Account number XXXX Date open XX/XX/XXXX Balance {$19000.00} Inquiries XXXX XXXX Accept XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 

Enclosed with this letter are copies of documents that verify my identification and my correct personal information, including a passport, my social security card, and other supporting documents. 

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2016-01-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (LA)

XXXX fraudulent charges were made to my credit card - XXXX on XXXX/XXXX/16 ( {$430.00} ) and another on XXXX/XXXX/16 ( {$700.00} ) listed as " XXXX XXXX CA ''. I was never contacted by Citi 's Fraud Watch Dept., as I have been in the past with other large purchases I have made. I happened to notice the charges when I reviewed my account on XXXX/XXXX/16. I immediately called Citi and spoke to an agent, who promised me she would immediately issue credits for the fraudulent charges and open an investigation. Today ( XXXX/XXXX/16 ) I checked my account and the charges have not been removed as promised. I spoke with another agent who told me that the charges MAY be removed after the conclusion of the investigation IF the investigation rules in my favor. I am completely floored by the inconsistencies about my victimization that these XXXX agents have expressed to me. After more research, I have uncovered horror stories from Citi customers such as being charged interest on fraudulent charges, being promised calls back that are never returned, outright dishonesty, etc. I refuse to pay these charges and do not want this to affect my otherwise exemplary credit score. Before drafting a letter to the CEO of Citi Cards, I want to file this report. I am seeking the removal of XXXX charges, as well as any interest/fees incurred.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXXXXXX Acount name XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XXXXXXXX XXXX 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 generally, 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.
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. (KY)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-08-18
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. (NY)

I have asked the company on several occasions to provide me with documentation of ownership for XXXX XXXX XXXX debt. I have no knowledge of this debt or have I ever signed any contract or agreement with this company. 

I have not received any information in regards to the several inquires I have submitted.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX  Account Number : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

On XX/XX/year> I reviewed my credit report. Upon review, I discovered XXXX accounts reinserted onto my credit report. According to the Fair Credit Reporting Act you are required to send me a written letter notifying me of any reinsertion within XXXX business days. You failed to do so. 
The items being reported to my credit report are harmful to my reputation and preventing me for acquiring credit to grow my business. 
The following accounts were illegally reinserted on to my credit report and should be removed immediately. 

Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Upon reviewing my credit report I have found several inaccuracies. I discovered late payments on accounts for which I have always maintained timely payments. Consumer Reporting Agencies have a crucial role in accurately reporting consumer information. It is imperative that this information be reported with accuracy. I have never missed a payment on the following account for XXXX XXXX : XXXX XXXX XXXX, Account Number ( XXXX ) I am requesting a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of the payments found. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. Dates of lates payments do not match on credit report from reporting agencies.
Consumer complaint received 2024-10-02
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 ( 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 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 XXXX XXXX Account number : XXXX
Consumer complaint received 2024-08-17
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)

To whom this may concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct.

The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2024-08-18
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)

I HAVE NOT REQUESTED THIS TO BE VALIDATED OR VERIFIED. THIS IS ABOUT THE VIolations of the FCRA My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 15 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights 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 They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments ACCOUNT : XXXX XXXX
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 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 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 then records of convictions of crimes which antedates the report by more then 7 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 2024-08-18
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. (NJ)

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.
Consumer complaint received 2024-08-17
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 previously just filed a police report # XXXX with the XXXX police stay about these fraudulent accounts please investigate and delete these unknown inaccuracies XXXX XXXXXXXX # XXXX {$4700.00} XXXX XXXX # XXXX {$5000.00} XXXX XXXX # XXXX {$19000.00}
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am filing this complaint against Equifax, XXXXXXXX XXXX, and XXXX XXXX due to a gross violation of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

On my Equifax credit report, a collection account has been re-added between XX/XX/XXXX, and XX/XX/XXXX, despite the fact that I have never had any account or financial relationship with XXXX IN. The account, originally reported by XXXX XXXX, was previously marked as paid in full and closed on XX/XX/XXXX, with a XXXX balance. Despite this, the same collection account has been inaccurately reported as a new account on my credit file. 

This re-reporting of a paid and closed account is a clear violation of Section 623 of the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ), which mandates the accuracy and integrity of information furnished to credit reporting agencies. Additionally, XXXX failure to ensure the accuracy of the information they report, as required under Section 611 of the FCRA ( 15 U.S. Code 1681i ), is unacceptable and has resulted in significant harm to my credit standing. I demand an immediate investigation into this matter by the CFPB, and I expect prompt action to be taken against Equifax, XXXX XXXX, and XXXX XXXX for these violations. I am requesting that this erroneous collection be removed from my credit report immediately, and I further expect any related negative marks to be corrected or expunged without delay. This situation has caused undue stress and potential financial harm. If this issue is not resolved promptly, I will pursue further legal action and seek damages for the violations of my rights under federal law. Thank you for your immediate attention to this critical matter. I look forward to confirmation that this erroneous collection account has been permanently removed from my credit report.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

OUR COMPLAINT 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, THESE ADDRESS & NAME ARE NOT ACCURARE # XXXXXXXX XXXX XXXX  Tx XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX tx XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX tx XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX, XXXX, XXXX XXXX, THE LIST ABOVE ACCOUNTS HAVE VIOLATED MY RIGHTS. 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 602 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 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. 15 U.S.C.1681Section
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I went to XXXX XXXXXXXX XXXX to cosign for an auto loan for XXXX XXXX. The salesman XXXX XXXX welcomed me and told me that I was cosigning the loan for 3 months, which I agreed to and signed. XXXX XXXX totaled the pickup while under influence of XXXX and left the country afterwords. After I learned that he left, I inquired with XXXX and they asked for payment for the pickup. Assuming I am a cosigner in this joint account, I agreed to pay half of the remaining balance in the amount of {$15000.00}, which XXXX approved my offer and I paid this on XX/XX/XXXX. 

After paying, I disputed with credit bureaus and they disputed with XXXX XXXX and I learned that I was listed as a buyer, not a cosigner in the loan. As stated above, I was never a buyer in this loan. Currently, XXXX XXXX is saying that I need to bring proof that I was not a buyer and they will let me go free. But the XXXX XXXX XXXX is not listening to my complaint.