davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NY)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & delete these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please delete/remove these files. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX : {$390.00} XXXX  XXXX XXXX Balance : {$900.00} XXXX  XXXX XXXX Balance : {$440.00} XXXX  XXXX XXXX Balance : {$580.00} XXXX  XXXX XXXX Balance : {$83.00} XXXX  XXXX XXXX XXXX : {$110.00} XXXX  XXXX XXXX XXXX : {$610.00} XXXX  XXXX XXXX Balance : {$820.00} XXXX  XXXX XXXX XXXX : {$210.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX XXXX : {$130.00} XXXX  XXXX XXXX  Balance : {$0.00} XXXX  XXXX XXXX Balance : {$590.00} XXXX  XXXX XXXX XXXX : {$1400.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX XXXX : {$200.00} XXXX  XXXX XXXX Balance : {$100.00}
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Reviewed my credit report after a sudden drop in my credit score. XXXX XXXX  ( issued through XXXX ) on credit report is showing as late payments when credit card statements show payment in full on due date every month. No late fees or other indication that this is not what is occuring.
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
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. (PA)

I was shocked this morning when I found inaccurate accounts on my credit report, and I have no clue why theyre there. I check my credit report regularly, and this time there were discrepancies that seemed to come out of nowhere. I even refreshed my browser, thinking it might just be a glitch, but the inaccurate accounts stayed. This issue is really concerning, and I'm asking for a thorough review of the documents I've sent to ensure this never happens again.
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX, equifax and XXXX I would like for my late payments that you put on my credit report to be reversed to on time payments. As soon as possible.
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-08-17
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. (PA)

This evening, I was really upset to find unauthorized inquiries on my credit report, and I have no idea how they got there. I check my credit report regularly, but this time, I noticed some discrepancies that were not there before. I even refreshed my browser, hoping it was a temporary issue, but the unauthorized inquiries were still there. Im asking for the documents Ive submitted to be carefully reviewed so I can stop worrying about this.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

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 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

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 2024-08-17
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. (FL)

The following inquiries do not belong to me and should not be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX Department of Education XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX  UNI Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

Recently, I reviewed my FICO consumer credit report and noticed it was several inaccurate and incomplete accounts. According to the FCRA it's illegal to report inaccurate and incomplete items. By law you are obligated to investigate these inaccurate accounts. 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 of inaccurate or incomplete. 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. Please remove these accounts immediately! Thanks! 

XXXXXXXX XXXX XXXX - ( account number ) - XXXX
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

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 2024-08-17
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. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (DE)

Equifax credit reporting agency has placed a fraud block on my consumer report without my permission. This has hindered me from being able to utilize my credit with my own personal bank and I wouldnt have even know there had been a blocked placed if I didnt try to utilize my credit. This block needs to be removed immediately and to never happen again without my consent and for all of my information to be updated, I have attached all supporting documentation to show proof of my identity as well as proof of residence.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I XXXX reported this I did not make theses changes there are XXXX accounts where both cards was used theses card again my identity was stolen. 

Account XXXX Recent XXXX  XXXX {$460.00} as of XXXX .... 
ance XX/XX/XXXX Date opened XXXX XX/XX/XXXX Account charged off. 
{$560.00} written off. {$460.00} past due as of XX/XX/XXXX. 
+ Dispute Account name XXXX XXXX XXXX XXXX Account XXXX Recent XXXX XXXX {$10000.00} as of XXXX... 
ance XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off, {$10000.00} written off. 
{$10000.00} past due as of XX/XX/XXXX.
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. (CA)

I am writing to formally request your intervention regarding a matter with XXXX, Equifax and XXXX that has not been resolved despite my repeated efforts. I have sent letters to XXXX on XX/XX/year>, and again on XX/XX/year>, requesting that they address issues related to my stolen identity and verify the accuracy of the information on my credit report. To date, I have not received any response from XXXX by mail as I requested. 

In my correspondence with XXXX, Equifax and XXXX I notified them of the identity theft, and I provided them with instructions to verify any and all accounts listed on my credit report with my original signed documents and physical verification as required by the Fair Credit Reporting Act ( FCRA ), specifically Section 609. Despite my clear demand, XXXX has failed to comply with my request and has not provided the necessary verifiable proof or documentation. 

The lack of response and verification from XXXX, Equifax and XXXX is a violation of the FCRA and constitutes a failure to address fraudulent accounts and unauthorized addresses associated with my credit profile. I am now left with no choice but to consider their inaction as fraudulent behavior and potentially a breach of my rights under the FCRA. 

Accordingly, I request that the CFPB assist in taking the following actions : Ensure that XXXX, Equifax and XXXX deletes all fraudulent accounts and addresses that do not belong to me from my credit report. 
Obtain an update letter from XXXX confirming the actions taken and the current status of my credit report. 
Furthermore, I intend to pursue litigation to enforce my rights and seek relief under Sections 616 and 617 of the FCRA, which allow for the recovery of monetary damages due to XXXX non-compliance and any resultant harm. 

I would appreciate your prompt assistance in this matter and request an acknowledgment of receipt of this letter. Thank you for your attention to this urgent issue.
Consumer complaint received 2024-08-16
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. (VA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Charge-Off Reporting Account Number : XXXX Dear Sir/Madam, I am writing to dispute the inaccurate reporting of a charge-off account on my credit reports with XXXX, XXXX, and Equifax. The details of the account are as follows : Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Unsecured Status : Charge Off, {$540.00} Balance Past Due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Accuracy of Reporting ( Section 623 ) Under Section 623 of the Fair Credit Reporting Act ( FCRA ), creditors and debt collectors are required to report accurate and complete information to credit reporting agencies. This account was charged off in XX/XX/XXXX. However, the balance due is still being updated to {$540.00} as of XX/XX/XXXX, which indicates inaccurate reporting. The account status has been incorrectly updated with an outstanding balance, despite the charge-off status. 

Duty to Update ( Section 623 ) According to Section 623 ( a ) ( 2 ) of the FCRA, creditors must correct any inaccuracies or incomplete information. If an account is charged off, it should be reported as such and not updated with ongoing balances. The account has been reported as a charge-off multiple times, but it still shows a balance due, suggesting that the account status is not accurately maintained.

Information Retention ( Section 605 ) Under Section 605 of the FCRA, negative information such as charge-offs can remain on a credit report for up to seven years from the date of the original delinquency. However, once charged off, the account should no longer show an ongoing balance. This account continues to show a balance, which is not in compliance with the FCRAs reporting requirements. 

Dispute Process ( Section 611 ) I am exercising my right under Section 611 of the FCRA to dispute the inaccurate information reported. I request that you investigate this matter and correct the inaccuracies on my credit report. The continued reporting of this charge-off with an outstanding balance constitutes a misuse of my credit report and a violation of multiple FCRA regulations. 

Please remove the incorrect balance from my credit report and update the account status to reflect the correct charge-off information. I expect a prompt resolution to this matter. Please confirm the correction by mail or email at the addresses listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX