davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (DC)

Back in XXXX I was given XXXX from my mom insurance policy my mom passed XXXX I received the check direct deposit from my mom insurance company called XXXX. The only money I had spent out of my account was XXXX and that was on my all white XXXX XX/XX/21 XXXX I then began to start seeing small charges to my account I then contacted the bank Chime and explained to them whats happening and they told me they would send another card out and shut the old one off I said ok the next following night about XXXX I noticed a charge again for XXXX my card was turned off and my new card was also deactivated so how was a purchase able to come off I called and explain this to them threatened to move my money the next business day Chime had closed my account with the remaining of money in my account. Also with numerous of purchases on my account that I did not authorize please help me Ive reached out to them and also sent emails and no response.
Consumer complaint received 2024-08-06
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)

In accordance with the Fair Credit Reporting Act, you are obligated to investigate and resolve disputes within a specific timeframe. I expect these changes to be made promptly, and I hope we can resolve this matter without further escalation. 
I have previously filed a complaint with the Federal Trade Commission ( FTC ) regarding this issue and have enclosed a copy of that complaint, along with proof of my identity and address. 

Names/ Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following credit inquiries were made without my knowledge or authorization, I will also list the dates which they were made : 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/year> Who are these companies? I have no idea, I never consented or authorized them to pull my credit!
Consumer complaint received 2024-08-06
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)

Hello my name is XXXX XXXX XXXX I recently reviewed my credit report as of XX/XX/year> and noticed two new inquiries that were not authorized by me. I asked that they please be removed as soon as possible to correct my credit file. Thank you highly appreciate your urgency.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

There is a corporate account on my consumer report that I did not agree to be liable for. In return this account has been reported onto my consumer report. Under the FCRA, this is a violation of my consumer rights pertaining to what I agree to be allowed onto my consumer report. It is also reporting a late payment when the payment was drafted from my account. 

The following account is what should not be reported onto my consumer report : XXXX XXXX - Opened XX/XX/year>
Consumer complaint received 2024-08-07
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. (OH)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KS)

Date : XX/XX/2024 To : Experian Fraud Dispute Department Subject : Fraudulent Accounts Removal Request Dear Experian Fraud Dispute Department, I, XXXX XXXX, am writing to request the removal of the following fraudulent accounts from my credit report. I have included a new Identity Theft report that contains unauthorized items and creditors. 

FTC Report NumberXXXX Account Details : - Creditor : XXXX XXXX XXXX Account Number : XXXX - Issue Type : Account ownership and fraud issues- Issue Description : This is not my account, and I am a victim of fraud. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX Attachments : 1. Identity Theft Report Thank you for your assistance. 

Best regards, XXXX XXXX
Consumer complaint received 2024-08-06
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. (GA)

To Whom It May Concern, I am writing to formally file a complaint regarding multiple discrepancies and inaccuracies in my credit report as reported by XXXX and Equifax with an account reporting on my credit. These discrepancies are negatively impacting my credit score and violate my rights under the Fair Credit Reporting Act ( FCRA ). 

I have identified the following inaccuracies between the XXXX credit reporting agencies : XXXX. Account XXXX : XXXX : XXXX XXXX Equifax : No information provided XXXX. Number of Months ( Terms ) : XXXX : XXXX  months Equifax : XXXX  months XXXX. Payment Status : XXXX : Late XXXX  Days Equifax : Late XXXX  Days XXXX. Last Reported Date : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX. Date Last Active : XXXX : XX/XX/XXXX2020 Equifax : XX/XX/XXXX2018 XXXX. Date of Last Payment : XXXX : XX/XX/XXXX2018 Equifax : XXXX/XXXX/2018 XXXX. XXXX-Year Payment History ( XX/XX/XXXX2022 to XX/XX/XXXX2024 ) : XXXX : XXXX  days late consistently Equifax : XX/XX/XXXX to XX/XX/XXXX : XXXX  days late XX/XX/XXXX2023 : No data provided XXXX 2023 to XX/XX/XXXX2023 : XXXX  days late XX/XX/XXXX2024 to XX/XX/XXXX2024 : Current XXXX 2024 : No data provided XX/XX/XXXX2024 to XXXX 2024 : Current XX/XX/XXXX2024 : No data provided These inaccuracies present a total of XXXX distinct reporting errors. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies must report accurate and complete information. The inconsistencies listed above clearly demonstrate that either XXXX or Equifax is not fulfilling this obligation. 

On XXXX/XXXX/2024, I disputed these inaccuracies through the CFPB, and both Equifax and XXXX responded stating that the account is verified as mine. However, they continue to provide inaccurate information on my credit report. This ongoing failure to correct the discrepancies has caused significant harm to my creditworthiness. 

I am requesting an immediate investigation and correction of these errors. I demand that the Consumer Financial Protection Bureau ensures that both credit reporting agencies rectify these discrepancies and provide accurate and consistent information regarding my account. If accurate and consistent information can not be obtained, I request that this account be removed from my credit report. 

Furthermore, I would like to be updated on the steps being taken to resolve this matter and the timeframe in which I can expect these inaccuracies to be corrected. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-11-14
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. (GA)

In accordance with the Federal Credit Reporting act. The list of accounts has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have the right to privacy.

15 U.S.C. 1681 604 A SECTION2 : 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 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-07
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. (OR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX Balanced : {$87.00} XXXX XXXX XXXXXXXX Balanced : {$140.00} XXXX XXXX XXXX Balanced {$77.00} XXXX XXXX XXXXXXXX Balanced {$99.00} 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 2024-08-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

An account was opened in my name while I was incarserated in The Colrado Department Of Corrections. I am trying to rebuild my life and this is causing alot of problems for me. I am providing as much information as I can that will help speed up this process. Please HELP me get this taken care. 
I can be reached at XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

On XX/XX/year> I had did my daily check on my credit score and I noticed it went down XXXX points. So checked my report and saw that there was a hard inquiry placed on my report. There was a credit card application for XXXX  XXXX on the XXXX I didnt do the application.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX, Equifax XXXX and XXXX RE : Notice of Claim and XXXX Financing Statement Dear XXXX XXXX XXXX Equifax XXXX and XXXX I XXXX XXXX XXXX and XXXX XXXX XXXX am XXXX XXXX inform you that I have recently completed the process of becoming a Secured Party Creditor, as established by my filing of a XXXX Financing Statement with the Florida Secretary XXXX State, filing number XXXX ( XXXX ). 
As the XXXX XXXX, I hereby claim a security interest in all property and collateral associated with the DEBTOR ( XXXX ), XXXX XXXX ( hereafter " Debtor '' ), including but not limited to all present and future property, accounts, and proceeds thereof. 
Enclosed, you will find a copy of the filed XXXX XXXX XXXX for your records. This notice serves to inform you of my secured status and to assert my interest in all claims, debts, and obligations owed by the Debtor. 
I hereby demand that all claims, notices, and communications regarding the Debtor be directed to me as the Secured Party at the above address. Furthermore, any attempts to collect on alleged debts or obligations without recognizing this secured interest will be considered a violation of my rights as the XXXX XXXX. 
Please acknowledge receipt of this notice within 30 days. Failure to respond will be taken as acceptance and agreement to the terms set forth herein. 
Sincerely, XXXX XXXX XXXX XXXX, Secured Party ( XXXX ) All Rights Reserved, Without Prejudice
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I recently reviewed my credit report and found unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year>
Consumer complaint received 2024-08-07
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)

I am writing to bring to your attention several issues I have encountered with the credit bureau. These concerns include false account listings, multiple, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me.

Resolving these matters is crucial for my financial security, and I would appreciate your assistance in addressing them.
Consumer complaint received 2024-08-06
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. (IL)

In accordance with the fair credit reporting act account number ( 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 WHITOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I would like to request the suppression of these items from my credit report, which is the result of a fraudulent items origination and identity theft. This fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that does not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. 

The following addresses are not mine, and I have never lived at or received mail at these locations : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX : I never worked on these companies XXXX XXXX XXXX AND XXXX XXXX XXXX belong to someone else or similar name XXXX XXXX XXXX Balance XXXX {$0.00} XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (AL)

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX XXXX - Account Number XXXX ( COLLECTION ) Balance {$220.00}
Consumer complaint received 2024-08-06
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. (NC)

XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

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 2024-08-06
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. (PA)

I am writing to file a formal complaint regarding several accounts that appear on my credit report, specifically under the names of XX/XX/XXXX XXXX ), which are reporting late payments with a XXXX balance, as well as XXXX XXXX ( XXXX ), which is reporting a charge off. I request the validation and verification of these accounts, as well as certified evidence demonstrating where I granted my consent for these accounts to be reported on my credit history. Based on this information, I believe these accounts are violating Title 15 of the United States Code in the following sections : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA. 
15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.