davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-18
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)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-25
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)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-24
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)

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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

on XX/XX/year>2024 I reported an incorrect information was on my credit report, I asked for verification as well. I also stated that the name that was on their end was not associated with me nor have I've ever been know by the name they have on filed while also explaining I have been a victim of identity theft. I asked it be removed which didn't happen and I never recieved verification either.
Consumer complaint received 2024-09-19
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)

Account is reported as a loss but has a balance and thats a violation of fcra guidelines the date last active are incorrect they are being reported differently the company reported as a loss but still shows a balance XXXX is reporting as a charge off monthly Equifax is reporting as paid as agreed but they are reporting a charge of
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted on Time : I made the payments on time ; however, due to a clerical error by XXXX, the payment was not processed until after the due date, resulting in an incorrect late payment entry on my credit report. I have attached a copy of my bank statement and payment confirmation showing the transaction date. 
Inconsistent Reporting : There are inconsistencies in how the late payment was reported across different credit bureaus, which further suggests an error in the data handling by XXXX. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical-Commercial Audit Inc (IL)

MCA Management Company has a collection account under my name, with the original creditor being XXXX XXXX XXXX XXXX This is a medical account. I saw an eye doctor there. They billed my health insurance. I have disputed this information twice now citing the reason that this account should not be on my credit report, due to it being under {$500.00} and being medical debt. They have this listed as " retail '' and refuse to remove it.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year>. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : I made the payments for XXXX and XX/XX/year> before the due date, but due to a delay in processing by XXXX, it was recorded as late. I have attached bank statements and payment confirmations that show the payment was made on time. 
Clerical Error : There was a clerical error on XXXX 's part, which they acknowledged, but the correction has not been reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 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 informationisinaccurate.

Please remove these Inquiries from my credit report.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CT)

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$210.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$320.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$890.00} XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX {$970.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$800.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$1500.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$10.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX Experian : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$210.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$1500.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$10.00} XX/XX/XXXX XXXX Account Number : XXXX {$320.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$890.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX {$970.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$800.00} XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$210.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$10.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$4.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX {$620.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$800.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) Account Number : XXXX {$970.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX {$890.00} XX/XX/XXXX
Consumer complaint received 2024-08-31
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 section 602 A. States | 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 an account without my written instructions.
Consumer complaint received 2024-09-24
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)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX on XX/XX/XXXX account number XXXX and a credit card account opened at XXXX CARD on XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year>. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : I made the payments for XXXX and XX/XX/year> before the due date, but due to a delay in processing by XXXX, it was recorded as late. I have attached bank statements and payment confirmations that show the payment was made on time. 
Clerical Error : There was a clerical error on XXXXXXXX XXXX part, which they acknowledged, but the correction has not been reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (MT)

Debt shouldn't have ever been legally sold to company to begin with, Debt was result of relationship using information // I did not consent to this account. 

I would like this immediately removed from my report ; or the ability to complete fraud investigations on this account immediately.
Consumer complaint received 2023-03-21
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo closed my account without cause in 2015 after my bankruptcy. I tried for years to correct this error with the bank. However, Wells Fargo refuse to correct or provide any relief for me. As of today, I still live in the home and pay my mortgage every month.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am filing this complaint regarding the unauthorized inclusion of information on my credit report, which constitutes a violation of my privacy rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Specifically, my credit report includes inaccurate and unauthorized data, which I did not consent to. I have a legal right to privacy as a consumer under FDCPA ( 15 USC 1692a ( 3 ) ) and FCRA ( 15 USC 1681 ( a ) ( 4 ) ), and this unauthorized information is infringing on that right.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CAPITAL ONE IS STEALING MONEY FROM MY CREDIT CARD! {$320.00} DO I HAVE TO REPORT CAPITAL ONE TO THE FEDERAL LAW ENFORCEMENT FOR FINANCIAL CRIME? 

First, the sick people working at Capital One corporate intentionally closed all my credit cards to damage my credit. But, that was not enough to satisfy their ego. So, then they started adding false fabricated dollar amounts to my credit cards to squeeze money from me, and damage my credit further. Capital One did not stop there. These white collar criminals at Capital One are now trying to steal money from my closed credit card. I received a refund from a merchant, and asked Capital One to issue me a check with the refund amount {$320.00}. Capital One supervisor said sending a check for that refund amount is not possible at this time.