davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am writing to dispute the accuracy of an item that has recently reappeared on my credit report. Specifically, the negative item reported by XXXX XXXX XXXXXXXX has reappeared without any notification, contrary to the protections afforded to me under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
Relevant Information : This negative item was previously removed from my credit report. 
I was not notified of its reappearance, which is a violation of the FCRA 's requirements for consumer notification. 
\ Details of the Disputed Item : Account Name : XXXX XXXX XXXXXXXX Notification to the Consumer : If the item is reinserted, the credit reporting agency is required to notify you within XXXX business days. The notice must include the following : That the item has been reinserted. 
The name, address, and telephone number of the creditor or furnisher of the information. 
Your right to request a free copy of your credit report and to add a statement disputing the accuracy or completeness of the information.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Debt Collections Services are attempting to collect a debt from consumers and Credit Reporting Services without a license to do so in the state of Tennessee.

This subchapter does not annul, alter, or affect, or exempt any person subject to the provisions of this subchapter from complying with the laws of any State with respect to debt collection practices, except to the extent that those laws are inconsistent with any provision of this subchapter, and then only to the extent of the inconsistency. For purposes of this section, a State law is not inconsistent with this subchapter if the protection such law affords any consumer is greater than the protection provided by this subchapter. 
15 USC 1692XXXX XXXX XXXX XXXX XXXX ID : XXXX Address : 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 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I checked my account on XX/XX/year> and found that my account had been substantially overdrawn in which I contacted my banking company XXXX XXXX  XXXX XXXX ) immediately to notify the bank, they agreed that it looked fraudulent and immediately closed out that account and card. They gave me a new account number and new card. Months later I see XXXX XXXX XXXX on my credit report.
Consumer complaint received 2024-08-10
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)

The details of the fraudulent accounts are as follows : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-09
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)

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

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 XXXX is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my XXXX  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 XXXX. 

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 2024-08-09
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: EQUIFAX, INC. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax is reporting wrong balance to my accounts that are paid off and reporting that I owe balances to creditors. I have a XXXX XXXX XXXX  ending in XXXX which is a XXXX  XXXX  that has been paid in full before they updated report, they post to my credit report. Equifax does not contact the creditor they use a data base that is wrong and 30 days behind
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. (TX)

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. 

Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$110.00} Account Name : XXXX  XXXX : Account Number : XXXX : Balance : {$690.00} Account Name XXXX XXXX : Account Number : XXXX : Balance : {$18.00} Account Name : XXXX XXXX XXXX : Account XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX : Balance : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$9300.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$5200.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$460.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$990.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XX/XX/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 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 2024-09-04
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. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-09
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. ()

I disagreed and requested an investigation into this Account : XXXX  - Account Number : XXXX starting last year in XX/XX/XXXX with XXXX, XXXX, and Equifax responded that they modified it with updates stating it was accurate. Last month, in XX/XX/XXXX, after reviewing my recent credit report I requested another investigation into the same account with the credit agencies. All three companies noted that they verified my account as accurate. Again, some Inaccuracies are still being reported in my credit report. For instance : the actual payment history of {$100.00} in XX/XX/XXXX and {$100.00} in XX/XX/XXXX and the past due amounts are inaccurate among all three credit bureaus reporting hurting my credit tremendously. Yet, they allowed these inaccuracies to remain in my consumer file. This account is not 100 % accurate -it is deemed INACCURATE and should be deleted immediately from my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ). ( A ) In general If, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any 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 the 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. I'm asking you to delete this inaccurate account from my credit report and send me an updated copy of this report in 15 days. Account Name : XXXX - Account Number : XXXX
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I'm reaching out to inform you that I have been a victim of identity theft. Under FCRA section 605b, you are obligated to remove or delete these items identified in an identity theft report. Enclosed, you will find the necessary documents to assist in removing the inaccurate information currently appearing on my report. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-08-09
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)

ATTN : Equifax I recently obtained a copy of my personal credit report and I have noticed quite a few errors and inaccuracies. 
Also, I never have given you written consent to include any of this information on my credit report. This is proven under the consumer laws as identity theft. To bring to your awareness, the following accounts on my personal credit report are reporting without my consent : XXXX Banks Account number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX XXXX/ XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX I am sure you are familiar with the consumer laws that were created to protect the consumer and your bureau is currently in violation of these agreed upon laws. Please review the following laws that you are obligated to abide by : Order 15 U.S. Code 1681b Permissible Purpose of consumer reports : I never gave you any written consent to report the above listed accounts on my credit reports, and no consent is fraud upon your bureau. 
Order 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report : The listee accounts are in violation. Transactions are to be excluded from a consumer report if no social security number was verified for the transaction. 
Please remove these accounts from my credit report immediately, if not, I will be forced to gather all my evidence and seek legal actions. 
Regards, XXXX XXXX
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-08-09
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. (RI)

Equifax is reporting inaccurate information to my consumer profile and I have made them aware of this for the past XXXX  months since XX/XX/XXXX. This is regarding a XXXX  XXXX XXXX credit account # ending in XXXX that was charged off in XX/XX/XXXX. I sent a letter requesting an investigation into the accuracy of this account on XX/XX/XXXX. In the letter, I specified areas of inaccuracies that I had identified such as the payment history and account status. The FCRA ONLY ALLOWS up to 30 days for this initial investigation. I demanded that if they were unable to verify the account as accurate and complete, that they should then delete this account from my profile. Equifax responded back by updating the account information as verified. 

Then on XX/XX/XXXX, I sent them a method of verification letter in which I requested account level documents and further proof of their verification method. I again asked for them to delete the account if they were not able to verify the information within the 15 day window that is allowed by the FCRA for this second verification/reinvestigation period. They did NOT respond back within the 15 days, which is a VIOLATION of the FCRA! 

So around XX/XX/XXXX, which was well over 90 days since my initial letter was sent, I sent a complaint via the CFPB requesting that the account be deleted because they had failed to provide me with the requested documents within the timeframe ALLOWED BY THE FCRA! Around XXXX, XXXX, the account seemed to have been removed which led to a significant XXXX  score increase. 

But then it was evident that the account was reinserted days later and updated as verified! But HOW CAN THE ACCOUNT BE verified as accurate when the origin date opened was XX/XX/XXXX but there is NO PAYMENT HISTORY REPORTING until XXXX XXXX XXXX? How is the payment history accurate when the last payment date is showing as XX/XX/XXXX as well as XX/XX/XXXX? It is now XX/XX/XXXX and the XXXX  charge off with account # XXXX is still being reported to my consumer profile! And there is still inaccurate information being reported such as the payment history, account status and date of last payment! 

At this point, this is willful non-compliance and deliberate reporting of inaccurate information to my consumer profile which is yet another violation of my consumer rights which are protected under the FCRA! I WANT THIS ACCOUNT PERMANENTLY DELETED FROM MY CONSUMER REPORT! If this account is not promptly DELETED from my consumer profile, then for damages, I will invoke my rights as a consumer pursuant to 15 USC 1681n Civil Liability for WILLFUL Noncompliance. If this account is not promptly DELETED then I will seek compensation for EVERY violation that has been found under the FCRA!
Consumer complaint received 2024-08-10
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. (AL)

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 2024-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-10
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. (GA)

ATTACHED IS A CURRENT AND ACTIVE LAWSUIT ON FILE FOR EQUIFAX DUE TO WILLFUL NON COMPLIANCE OF FEDERAL LAWS THAT PROTECT MY RIGHTS AS A CONSUMER. 15 U.S. Code 1666B : The law clearly states that a creditor may not treat any payment on an account under an open-end consumer credit plan as LATE for any purpose, unless they send the information in section 1637B. Equifax re-investigation DOES NOT PROVIDE THE PROCEDURES IN THE RE-INVESTIGATION. IT only states updated and verified. The re-investigation should have detailed information and proof that the creditor mailed off the information listed in 1637B 21 Days before the payment was due. I have requested a description of the investigation procedure 15 U.S. Code 1681i ( 7 ) several times with no evidence of a true re-investigation.

Pursuant to Fair Debt Collection Practices Act " Late payments must be validated prior to them being placed on a credit report '' This is willful failure to comply with the law and this makes Equifax criminally liable for actual, statutory, and punitive damages due to my rights being violated under FCRA.

15 U.S. Code 1681 ( G ) ( A ) 1 : The law says there is a description of the procedure attached to my file and I have the right to request all of the information in the file and Equifax has failed to do so. 

15 U.S. Code 6802- Obligations with respect to disclosures of personal information.

Transactions are payment histories, hard inquires, new open accounts, student loans, and charge offs are all personal information. This law protects my rights from any non-affiliated 3rd party company. Equifax is a non-affiliated 3rd party company reporting my personal and nonpublic information in their database without my consent. Nonpublic information means personal identifiable information. I would like to have documents and disclosure forms stating that I gave Equifax the right to report my personal information.