davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-21
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)

I am writing to dispute inaccurate information on my credit report as provided by your bureau. The account in question is with XXXXXXXX XXXX XXXX XXXX XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), your bureau is required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports. 

Upon reviewing my credit report, I have identified numerous inaccuracies associated with the above-referenced account. These inaccuracies are significantly affecting my credit score and my ability to obtain credit. Specifically, the following errors have been noted : incorrect payment history, incorrect balance, incorrect account status
Consumer complaint received 2024-07-21
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)

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 : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of the 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 all information need to report at the same time in all 3 major credit agencies and this account only shown report in 2 that is in inaccurate information and unfair. 
according to 15 U.S. code s 1681e all information need to be accuracy this account shown close, in one of the consumer report agency, and make as Open, in other two this is inaccurate information in my credit report.
Consumer complaint received 2024-09-12
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX To whom this may concern, I am writing to request the removal of unauthorized hard credit inquiries that appear on my equifax credit report . I recently retrieved my credit report and it is showing unauthorized hard credit inquiries that I have no knowledge of ever authorizing. Therefore these inquiries are reporting fraudulently and it is illegal to report inaccuracies to a consumer credit report. I am writing to dispute the following inquiries and asking for their removal from my credit report. I am aware of my rights under section 605b that this INFORMATION MUST be removed from my credit report effective immediately after providing the necessary information attached to this letter. Under 1681 15 USC I have the right to privacy, my credit report must ONLY SHOW TRUE AND ACCURATE INFORMATION. Thank you. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Attached you will find a copy of my id and social security card for verification along with a filed FTC report on behalf of the unauthorized fraudulent inquiries. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-21
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. (TN)

15 U.S Code $ 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTHER STALL TACTICS FROM EQUIFAX
Consumer complaint received 2024-07-21
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. (LA)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under XXXX XXXX XXXX section XXXX, states I have the right to privacy. XXXX XXXX XXXX section XXXX section XXXX, it also states a consumer reporting agency can not furnish an account without my written instruction. Under XXXX XXXX XXXX a creditor XXXX not treat a payment on a credit card account under an open and consumer plan as late for any purpose.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Sir/Madam, I am writing to dispute a fraudulent account that has appeared on my XXXX, Equifax, and XXXX credit reports. I recently discovered this unauthorized account, and I firmly believe that I am a victim of identity theft. I kindly request your assistance in investigating and removing this fraudulent account from my credit reports. 

Account Details : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2023 Outstanding Balance : {$140.00} Reasons for Dispute : 1.Lack of Awareness : I have always maintained a diligent approach to monitoring my financial activities and credit reports. However, due to the sophisticated nature of the fraudulent activity, I was unaware of the existence of this account until recently. This highlights the covert nature of the identity theft, making it difficult for me to detect the fraudulent activity at an earlier stage. 

2.No Record of Transaction : Upon thorough review of my financial records, I have found no evidence of any transactions or agreements with XXXX XXXX XXXX XXXX This further strengthens my belief that this account is fraudulent and has been opened without my knowledge or consent. 

3.Violation of Fair Credit Reporting Act ( FCRA ) : The presence of this fraudulent account on my credit reports violates my rights under the FCRA. As a victim of identity theft, I have the right to accurate and up-to-date credit information. The inclusion of this unauthorized account damages my creditworthiness and may result in adverse consequences for my financial well-being.

4.Legal Rights and Responsibilities : Under the FCRA, I have the right to dispute any inaccurate or fraudulent information on my credit reports. I am also entitled to a fair and timely investigation by the credit reporting agencies. Therefore, I kindly request that you initiate an investigation into this matter and take appropriate actions to rectify the inaccuracies caused by the fraudulent account. 

I kindly request that you promptly investigate this dispute and take the necessary steps to remove the fraudulent account from my XXXX, Equifax, and XXXX credit reports. Additionally, I request that you provide me with written confirmation once the investigation is complete and the fraudulent account has been deleted. 

I appreciate your attention to this matter and your assistance in resolving this fraudulent account issue. Please do not hesitate to contact me if you require any further information or documentation. I look forward to a swift resolution to this matter and the restoration of my accurate credit information. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX Please update to the correct address XXXX XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX XXXX EMPLOYERS DO NOT BELONG ON MY PROFILE EMPLOYER : XXXX XXXX XXXX - REPORTED XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX - XXXX XX/XX/XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. 
XXXX HAS This account is incorrectly reporting that I have 32 late payments. On my XXXX report there are 12 late payments being reported. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this in accurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Consumer complaint received 2024-07-20
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX ; XXXX  : # XXXX ; and XXXX XXXX XXXX  : # 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 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I disputed these charges off on my account in XX/XX/year> with no response of follow up letter. I have sent information that these charge off does not belong me and no proof were given by the creditors that these accounts belong to me. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX ( XXXX ) XXXX Account # xxxxxx XXXX Reason for dispute : I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX ( XXXX ) XXXX Account Number : XXXX XXXX Reason For Dispute : I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Reason for dispute : I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX (XX/XX/XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists XXXX XX/XX/XXXX XX/XX/XXXXXXXX ( XXXX ) XXXX Account Number : xxxxxx XXXX Reason for dispute : I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Consumer complaint received 2024-07-20
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX ; XXXX : # XXXX ; and XXXX XXXX XXXX : # 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 2024-07-20
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. (OK)

I contacted XXXX to negotiate a settlement, they did not reply. 

My credit report says it is a charge off. I contacted XXXX again and requested a 1099-C since written off accounts are income and do not belong on a credit report. They did not reply. 

If XXXX sold the debt, they need to update my credit report to a balance of XXXX. If they leave my account with a balance after they sold the debt, they are committing double jeopardy. 

If they have not sold my debt, they need to respond to me in writing regarding negotiating a settlement. 

It is not legal for them to be currently and continuously reporting negative information about me without providing any way for me to make XXXX.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I checked my credit report. To my surprise, I discovered numerous inquiries that I do not recognize and do not understand why they are there. 
As a consumer unfamiliar with these inquiries, I am concerned about their impact on my credit score and financial standing. I have not applied for credit or authorized anyone to make inquiries on my behalf recently. The inquiries listed below are unfamiliar to me : XXXX XXXX XXXX XXXX XXXX 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 am seeking clarification and information regarding the purpose of these inquiries. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you provide details on who made these inquiries and for what purpose. Please also confirm if these inquiries have resulted in any new accounts or actions on my credit report. 
I appreciate your prompt attention to this matter and look forward to your timely response.
Consumer complaint received 2024-07-20
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. (CA)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request than this information blocked. I have enclosed a copy of my Police Report/ FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identify theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : FRAUDULENT INQUIRIES AND ACCOUNT NUMBER ACCOUNT : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be ability to secure financing for myself and my business. I dont understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. Please help me immediately delete these accounts. 

Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Consumer complaint received 2024-07-20
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Confirmation of Account Removal Dear Equifax, I am writing to confirm the removal of the following account from my credit report due to errors and inaccuracies : - **Account Name : ** XXXX XXXX XXXXXXXX - **Account Number : ** XXXX - **Date of Removal : ** Between XX/XX/XXXX, and XX/XX/XXXX Details of the account are as follows : - **Original Creditor : ** XXXX XXXX XXXXXXXX XXXX XXXX XXXX*Account Type : ** Individual account - **Date Opened : ** XX/XX/XXXX - **Status : ** XXXX, XXXX days past due - **Balance : ** {$46000.00} ( as of XX/XX/XXXX ) - **Paid Off : ** {$0.00} - **Monthly Payment : ** Not specified - **Past Due Amount : ** Not specified - **Original Balance : ** {$45000.00} - **Terms : ** Not specified - **Responsibility : ** Individual account I appreciate your assistance in this matter and request a confirmation of the account removal. Please send me an updated copy of my credit report reflecting this change. 

If you require any further information or documentation, please contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX