davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im writing to formally request that Equifax block certain information on my credit report due to identity theft and fraud, in line with FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Here are the fraudulent accounts I need removed : XXXX. A personal credit card account opened at XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX, under account number [ acct # ], {$3200.00}. 
XXXX. A personal loan account opened at XXXX on XX/XX/XXXX, under account number [ acct # ], {$5000.00}. 
XXXX. A mortgage loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$370000.00}. 
XXXX. A banking account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$1000.00}. 
XXXX. A banking account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$1000.00}. 

These accounts have resulted in multiple fraudulent hard inquiries and collections showing up on my consumer FICO credit report. I've attached a list of the hard inquiries in question, as well as a copy of my consumer FICO credit report from Equifax showing these fraudulent items. 

I do not recognize any of these accounts, collections, or hard inquiries. They were not opened, made, or initiated by me and are clearly the result of identity theft and fraud. Ive also included a copy of the FTC Identity Theft Criminal Complaint # [ report # ] as proof from the XXXX Federal Trade Commission confirming that these accounts, collections, and inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-06-18
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. (AL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-18
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a 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 2024-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MI)

On XX/XX/year> I requested Auto Payment on my loans since the Auto Pay would decrease interested by 0.25 %. My request was not processed until XX/XX/year>. For 2 months, I was paying 0.25 % extra interest which I was not supposed to. I did not hear anything from Edfinancial. I paid off on of my loans ( Loan XXXX ) back in XX/XX/year>. Then, suddenly, on XX/XX/year>, I see that XXXX XXXX is reposted to my account for around {$7200.00}. I called Edfinancial and they said I have 4 payment reversals from XX/XX/year> to XX/XX/year> because they wanted to refund my payments that were not on Auto Pay. However, when I calculated the amount, the amount they were refunding me was {$7100.00}. This means that I have to actually pay at least {$100.00} more. This is really frustrating because I already paid this loan off and now I have to pay more for this loan unnecessarily. Furthermore, Edfinancial stated it would take 45-60 days for the payment reversals to deposit back into my bank account. This means for 45-60 days the interest will accumulate even more and I would have to significantly pay more. This does not make any sense. I should not have to pay for a loan that was already paid off. Edfinancial has been showing a lot of miscommunication and has been trying to scam me to may more than I actually owe. I have been very diligent about making my loan payments and have been paying even more than I should. I am very disappointed with this loan provider and will bring out the legal issues. This is highly unethical.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am filing this complaint with the CFPB to request that Equifax, the credit reporting agency, block certain information on my credit report due to identity theft and fraud, as per FCRA 605B ( 15 U.S.C. 1681c-2 ).

Specifically, I want the following fraudulent accounts removed from my report : 1. A personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, under account number [ acct # ], {$6600.00}. 
XXXX. A personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, under account number [ acct # ], {$5500.00}. 
XXXX. A personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, under account number [ acct # ], {$6000.00}. 
XXXX. A personal credit card account opened at XXXX XXXX  XXXX on XX/XX/XXXX, under account number [ acct # ], {$2900.00}. 

These fraudulent accounts have led to multiple hard inquiries and collections showing up on my consumer FICO credit report. Ive attached a list of these hard inquiries and a copy of my consumer FICO credit report from Equifax that includes these fraudulent items. 

I do not recognize any of these accounts, collections, or hard inquiries. They were not opened, made, or initiated by me and are the result of identity theft and fraud. To support my case, Ive included a copy of the FTC Identity Theft Criminal Complaint # [ report # ] that confirms all these accounts, collections, and inquiries are due to identity theft and fraud.
Consumer complaint received 2024-06-07
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)

Equifax said this account wasnt reported in XXXX. I applied for a loan and was denied on XX/XX/XXXX due to the Attorney General account showing. They keep reinserting the account. Its not my account. This item was an erroneous account showing as a credit account which I never applied or gave consent for and was a violation of XXXX5 USC 1681b and 15 USC 1681 c-1,15 USC 1682c-2 The information has now been reported again as of XX/XX/2024, Violating my Consumer rights under 15 USC 1681s-2a1a reporting information with actual knowledge of errors - 15 U.S. Code 1681e ( b ) reads " 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. '' It is also harm due to trespass against my rights, Interrupting the flow of commerce, and a Violation against my unalienable right to the pursuit of happiness since it has prevented me from improving my circumstances by being a homeowner I will be seeking litigation in accordance to 15 USC 1681n and 15 USC 1681 o in monetary compensation for {$XXXX} k and the permanent removal of this error. 

This had prevented me the right to become a homeowner and defamation of character and my public appearance
Consumer complaint received 2024-06-18
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. (OR)

There are fraudulent inquiries in my report that needs to be removed. I've been disputing these since last year. I know my right of having a fair credit report and yet Equifax is making it hard for me to have that right. this is against the law! i even submitted FTC, my license, my social card and yet they invalidate it telling me that i should file another FTC because i have more than 5 inquiries! that is illegal. i want these inquiries to be removed as soon as possible : FACTUAL DATA inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

To Whom It May Concern, I am writing to express my frustration and disappointment with your handling of my identity theft case. Despite my repeated efforts to resolve this issue, your response has been inadequate, and the fraudulent items remain on my credit report, severely impacting my creditworthiness and financial well-being. 
I have identified several fraudulent accounts on my credit report that result from identity theft. These accounts should be removed immediately. 
The details of these accounts are as follows : 1. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$7900.00} - Status : Account charged off. {$7900.00} written off. {$7900.00} past due as of XX/XX/year>. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff 2. XXXX XXXX  - Account Number : XXXX - Balance : {$4500.00} - Status : Account charged off. {$4500.00} written off. {$4500.00} past due as of XXXX XXXX. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff 3. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$35000.00} - Status : Account charged off. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff 4. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$93.00} - Status : Account charged off. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff These accounts were supposed to be removed as they were a result of identity theft. Your failure to update my credit report as required by the Fair Credit Reporting Act ( FCRA ) is a clear violation of my rights. The FCRA mandates that such information be blocked within four business days upon receipt of appropriate documentation, which I have already provided. 
Enclosed are the following : 1. A copy of my credit report with the fraudulent items circled. 
2. A copy of my Identity Theft Report and proof of my identity. 
3. A copy of section 605B of the FCRA, which requires the blocking of fraudulent information resulting from identity theft within four business days and prompt notification to the furnisher ( s ) of that information. 
4. A copy of my latest bank statement. 
I demand that these fraudulent accounts be blocked and removed from my credit report within 24 hours. If these accounts can not be deleted immediately, I request that the remarks be updated to reflect " CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER. '' Your negligence in handling this matter is causing significant harm to my financial standing, and I am prepared to take further action if necessary to protect my rights. 
Please confirm in writing that the information has been blocked and provide me with an updated credit report. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was me, this inquiry XXXX  XXXX XXXX was obtained by fraud. if you can not provde me with this information in 15 days delete this inquiry. Send me a copy within 15 days! 


I already sent in a FTC report
Consumer complaint received 2024-06-09
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. (NY)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : XXXX XXXX XXXX  Account number XXXX Equifax XXXX XXXX XXXX Account number XXXX XXXX : XXXX XXXX, Account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation
Consumer complaint received 2024-06-09
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. (NY)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-07-17
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. (GA)

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on deaf ears. It is important for you to understand that by law, you are required to take immediate action upon receipt of such requests. Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( XXXX XXXX XXXX  ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. Equifax Information Services LLC ( XXXX XXXX 2018 ), they may be liable for false reporting. By law these should be deleted because I have proof that they were also deleted from the other credit bureaus.
Consumer complaint received 2024-06-18
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. (MD)

Good evening, 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. 

Credit Card : XXXX XXXX XXXX XXXXs Account Number : XXXX Credit Card : XXXX XXXX XXXX Account Number : 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 2024-06-09
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. (NY)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : XXXX Account number XXXX Equifax : XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX : XXXX Account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-06-18
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. (OH)

Equifax has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Dear Sir/Madam, I am writing to formally lodge a complaint regarding significant inaccuracies on my credit report that are causing undue hardship in my efforts to improve my life. Recently, I have been striving to refinance my vehicle and secure a new apartment. However, I discovered several damaging errors on my credit report that are severely hindering these endeavors. 

I have always maintained a diligent approach to managing my finances, and these inaccuracies are not only unwarranted but also profoundly unfair. As I understand it, under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, I have the right to an accurate credit report. Specifically, the law mandates that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they compile and distribute.

The inaccuracies on my credit report are a defamation of my character and have a detrimental impact on my life. The errors have resulted in higher interest rates for refinancing my vehicle, and potential landlords have declined my rental applications. This situation is causing significant stress and preventing me from making the positive changes necessary to better my financial stability and overall quality of life.

Refinancing my vehicle would allow me to secure a lower interest rate, thereby reducing my monthly expenses and freeing up much-needed funds to support my family. Similarly, moving to a new apartment is crucial for my well-being and personal development, as it offers a safer and more supportive living environment. 

The importance of an accurate credit report can not be overstated. It affects many aspects of daily life, including the ability to obtain employment, secure housing, and even access basic utilities. The errors present on my credit report are not only inaccurate but are also causing me emotional distress and financial strain. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter urgently and take appropriate action to ensure that these inaccuracies are corrected promptly. I believe that adherence to 15 U.S.C. 1681 will not only rectify my current predicament but also prevent such issues from occurring in the future, thereby protecting consumers from unwarranted harm.

Thank you for your attention to this serious matter. I am hopeful that with your intervention, my credit report can be corrected, allowing me to continue my efforts to improve my financial situation and secure a better future for myself and my family. 

Sincerely, XXXX XXXX