davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XX/XX/year>
Consumer complaint received 2024-07-22
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. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-22
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. (GA)

I contacted each of the following companies in regards to the influx of inquiry requests reflecting on my equifax credit report. None of these companies responded to my requests. I contacted equifax and requested an investigation. Equifax claimed to have conducted an investigation and somehow concluded that the requests were valid even though no evidence of such was provided. I have listed the list of inquiries below and wish to have the fraudulent inquiries removed from my credit report. 
XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-07-22
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 I 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 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

FTC : Complaint attached, I, XXXX XXXX, do hereby state that the following information is true. 

Several creditors and items are being reported on my credit report that I have no knowledge of and believe should be removed. I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and FTC/ IdentityTheft complaint # XXXXBelow are the specific accounts and inquiries in question : Accounts to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Additional Requests : - I need the block on my online access removed. 

Additional Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-22
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. (NV)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-22
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)

" noticed several unauthorized inquiries on credit report that I would like removed Infor them that according to the FCRA these unverifie and unauthorized items must be removed. XXXX XXXX XXXX XXXX XXXXXXXX hard inquiry on my dated XX/XX/year>XXXX XXXX
Consumer complaint received 2024-07-22
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)

After reviewing my credit report, I found an account that is not mine. Please remove this fraudulent account from my report as it is preventing me from securing credit. I do not recognize this account. 

XXXX XXXX XXXX XXXX XXXX XXXX  Opened Date : XX/XX/year> Balance : {$13000.00}
Consumer complaint received 2024-07-22
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. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-22
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. (CA)

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received this specific response. 

I am also requesting the date that the supposed delinquency incurred, which should have been given to you by XXXX XXXX. I know that it typically takes XXXX years for a trade line to be removed, but I would like to know the specific month and year that this trade line will be removed. 
XXXX XXXX XXXX
Consumer complaint received 2024-07-22
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)

Dear CFPB In addition to my previous communication per FCRA 605 ( b ) I would also like any hard inquiry deleted from my credit reports as well. All accounts are a part of my Identity Theft I am requesting to have each bureau delete with 4 days.

I am contacting you regarding my the credit reporting bureaus regarding my credit reports. I unfortunately, learned about several accounts that is on my credit file that I have no idea of. I have NEVER opened any of the mentioned accounts and I was a victim of ID theft and asking that they BLOCK/DELETE and remove the accounts to discontinue tarnishing my credit. I have included my FTC Report listing the accounts and account numbers. I HAVE REQUESTED EACH DATA FURNISHER TO PROVIDE MY ORIGINAL APPLICATION AND I RECEIVED NO RESPONSE. 

XXXX CREDIT TIME BARRED AND HAVE BEEN OVER 7 YEARS PLEASE DELETE XXXX {$330.00} 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
Consumer complaint received 2024-07-22
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. (UT)

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/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removed of the erroneous information which is being posted to my 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 XXXXXX/XX/year>
Consumer complaint received 2024-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted a freeze request and I am still getting inquiries. I was told an inquiry was removed and it was not. 

The following inquiries are fraudulent and were not authorized by me. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
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)

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXXXXXX XXXX XXXX XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

XXXX XXXX & FTC complaint attached. 

I, XXXX XXXX  do hereby state that the following information is true. 

Several creditors and items are being reported on my credit report that I have no knowledge of and believe should be removed. I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and XXXX IdentityTheft complaint # XXXX are the specific accounts and inquiries in question : Accounts to be Removed : XXXX. XXXX XXXX - Account Number : XXXX - Amount : {$1100.00}/ Collection Account XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX XXXX. DEPT OF ED/XXXX  - Account Number : XXXX - Date : XX/XX/XXXX XXXX. DEPT OF ED/XXXX  - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX Additional Requests : - I need the block on my online access removed. 

Additional Accounts : - XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date : XX/XX/XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
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. (GA)

I have a Retail Installment Contract and Security Agreement with XXXX XXXX that was dated XX/XX/year> for a vehicle Make and Model XXXX XXXX XXXX Furnishers are providing information to my consumer report that is false and Inaccurate. XXXX XXXX has committed XXXX XXXX! 
XXXX has been paid free and clear! 

I don't Have a Account with XXXX XXXX XXXX. This considered incorrect and inaccurate information. Which is causing Emotional Damage. I demand that you DELETE This Erroneous account IMMEDIATELY! 
According to The Truth in Lending Act ( XXXX ) protects you against inaccurate and unfair credit billing and credit card practices. It requires lenders to provide you with loan cost information so that you can comparison shop for certain types of loans. 

18 U.S. Code 1348 - Securities and commodities fraud. According to 16 CFR 433.1 ( f ) XXXX. Any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof. 

I exercise my RIGHTS to have this Item DELETED IMMEDIATELY. If you dont DELETE SAID ACCOUNT in XXXX business days. You will be in violation of law according to 15 U.S. Code 1681n - Civil liability for willful noncompliance. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a state " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Please, contact me at my email address XXXX to arrange the delivery of My Deposits under this fraudulent credit consumer transaction. Additionally, please mail me confirmation that the credit consumer transaction has been voided and no negative information will be reported to the credit bureaus with respect to this matter. 

XXXX'Equifax XXXX XXXX XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information and confidentiality of those customers nonpublic personal information I am again revoking any permissions given verbal, nonverbal, written, unwritten, implied or otherwise. This is Identity theft! According to 12 CFR 1022.3 Definitions : " identity theft means a fraud committed or attempted by using the identifying information of another person without authority. '' ... .and most certainly do not have my authority.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
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. (FL)

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 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I paid my Capitol One bill when the app told me the bill was due. This was {$62.00} on XX/XX/24. I was charged a late fee of {$40.00} on XX/XX/24. When I went to pay, as I normally do, on XX/XX/24, it said my account was past due. There was no amount listed, but I paid an average payment of {$60.00} since i didn'tknow the amount. I started getting notifications that I was still past due. I paid another payment of {$100.00} on XX/XX/24. When I called to find out why I was considered past due and charged a late fee, I was told I paid the XX/XX/24 payment 1 day too early, so it didn't count. My account stated the payment was due, so I paid it at that time. There was nothing stating it was too early. I have been paying this card every 4 weeks for the years I have had the card. I also have another Capitol One card I pay at the same time. There have never been any issues. I believe it is fraudulent to charge a late fee for an early payment. When I talked to XXXX at Capitol One, he told me I get a late fee for paying too early and I shouldn't have paid the payment on XX/XX/24 since there was no amount listed as due. He stated I should have ignored the past due notice and texts I was getting. I believe this is so they could charge another late fee.
Consumer complaint received 2024-09-25
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. (AR)

I am urgently informing you that I am a victim of identity theft, resulting in numerous fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to remove these inaccuracies. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have filed an identity theft report with the Federal Trade Commission ( FTC ) and expect the prompt deletion of these fraudulent entries to restore the accuracy of my credit report.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

I have identified incorrect information on my credit report that has been repeatedly verified by XXXX, XXXX, and Equifax as accurate. However, I have substantial evidence, which I have attached, proving the information is false. Continuing to report and verify these inaccuracies violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly section 611, which requires a thorough investigation into disputed data. 

The continued presence of this false information on my report has caused unnecessary harm. As such, I demand immediate correction and the removal of this inaccurate data from my credit report. Please review the attached documents carefully and take appropriate corrective actions to avoid further legal violations.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

It is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.