davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
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. (MO)

I am writing to formally address the persistent issue of inaccurate fraudulent items on my credit report. Despite multiple attempts to resolve these errors directly with your bureau, these fraudulent items continue to appear, severely impacting my financial standing and credibility. The fraudulent items in question are not only incorrect but have been on my credit report for an extended period. I have provided substantial documentation and evidence proving the fraudulent nature of these items, yet they remain uncorrected. This ongoing issue is causing me significant XXXX inconvenience, and potential financial harm. Furthermore, I am seeking the assistance of from you to ensure that this matter is handled appropriately and expeditiously. The presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. I urge you to prioritize this matter and take all necessary measures to ensure the prompt removal of the fraudulent items from my credit report. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-17
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-06-15
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. (PA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

There are a series of inaccuracies on my consumer report from all the collection accounts open dates and close dates amount in which dept is owed, current employer and laws that are broken by these collection agencys when it come disclosures.
Consumer complaint received 2024-06-05
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)

DEAR EQUIFAX I GOT UP YESTERDAY AND PULLED MY CREDIT REPORT I THEN REALIZED IM A VICTIM OF IDENTITY THEFT THEFT/FRAUD PLEASE HELP ME TO REMOVE THESE FRAUD ACCOUNTS FROM MY CREDIT REPORT.XXXX XXXX XXXX IS A CREDIT CARD OPENED ON XXXX, ANOTHER FRAUD ACCOUNT XXXXXXXX XXXX XXXXXXXX OPENED XXXX XXXX XXXX ANOTHER FRAUD COLLECTION XXXX XXXX XXXX OPENED XX/XX/XXXX .PLEASE HELP ME TO FIX THIS MATTER.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I have never gave XXXX XXXX XXXX, experian, authorization to obtain or distribute any of my information, there for this is fraudulent there are not part off the government and have cost me opportunities for a better life job.If I never gave you constent how can these companies distribute information about me that is not fact checked, and put closed accounts on the report with updated monies owed, and lying about researching the issues.either my they stop reporting and remedy the situation and pay me for pain an damages, or I will be forced to file a lawsuit against everyone of these companies.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Since XX/XX/XXXX, my wife and I have discovered several accounts on our credit reports that do not belong to us. Neither of us opened these accounts, indicating that we have been victims of identity theft. In XX/XX/XXXX, we each began disputing these fraudulent accounts with the credit bureaus. Despite our efforts, the accounts remained. On XX/XX/XXXX, we filed an identity theft police report. A few weeks later, we received the report and continued disputing the accounts with the credit bureaus. Unfortunately, despite having the police report, EQUIFAX still refuse to remove the fraudulent accounts. I am now reaching out to the CFPB because I do not understand how Equifax still refuse to remove these fraudulent accounts. I urgently need these accounts removed from my report as I am not the debtor but a victim of identity theft. I am attaching a partial credit report that includes the account I never opened, along with the FTC Identity Theft Report and police report.
Consumer complaint received 2019-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Called Capital one XX/XX/2019 they called me back XX/XX/2019 not resolved. 

Step 1 : What is this complaint about? 
This complaint is about Capital One Promotional Credit Cards Offering additional Bonus of {$150.00} to {$500.00} Dollars after using {$500.00} to {$1500.00} with the new credit card with in the first 90 days. 
They offer you the promotion on one web page and when you apply apparently it takes you to another location where you are pre-qualified and without your immediate knowledge you continue the process thinking you will be receiving this bonus and it turns out that when the page switches you no longer qualify for the bonus. Or this is what was explained to me. 
Regardless this is deceptive and should be unlawful Step 2 : What type of problem are you having? 
Deceptive tactics being used to lure clients and prospects to apply to new credit cards and the company is getting away without fulfilling their initial commitment. 
Step 3 : What happened? 
I was lured by a promotion on a capital one web page and applied, got approved and some were in the process the promotion diapered and capital one is not responding for their maul practice. 
Step 4 : What company is this complaint about?

Capital One Step 5 : Who are the people involved? 
My Self, XXXX XXXX, My wife XXXX XXXX XXXX XXXX, and Capital One.
Consumer complaint received 2024-06-17
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)

Equifax is in violation of FCRA. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( XXXX ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section XXXX ( a ) ( XXXX ). XXXX and XXXX have updated credit reports accordingly and removed these fraudulent inquiries. If Equifax is unwilling to do the same, legal proceedings will be brought against the credit reporting agency for negligence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-15
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. (IN)

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 : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

15 U.S. Code 1681e ( b ) - Compliance procedures ( b ) Accuracy of report 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.. 

There are 3 different dates reported under date of last activity, last verified, date reported, date opened, last payment and this means that possibly all 3 of the credit reporting agencies are reporting inaccurate information. Where is the inaccurate coming from and why is the information not consistent? THE ACCOUNTS ARE NOT 100 % ACCURATE. DELETE THE ACCOUNTS DUE TO INACCURACY. I have attached my credit report from XX/XX/year> with all the inaccuracies highlighted. 



DELETE IMMEDIATELY DUE TO INACCURACY XXXX XXXX XXXX XXXX XXXX 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 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I have never gave XXXX XXXX equifax, XXXX, authorization to obtain or distribute any of my information, there for this is fraudulent there are not part off the government and have cost me opportunities for a better life job.If I never gave you constent how can these companies distribute information about me that is not fact checked, and put closed accounts on the report with updated monies owed, and lying about researching the issues.either my they stop reporting and remedy the situation and pay me for pain an damages, or I will be forced to file a lawsuit against everyone of these companies.
Consumer complaint received 2024-07-31
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to formally address the ongoing and unresolved issue of fraudulent items on my credit report. Despite numerous attempts and providing extensive documentation to have these inaccuracies corrected, these fraudulent items continue to appear on my credit report, severely impacting my financial standing and credibility. 
I demand immediate action to rectify this matter. I expect a thorough investigation into why these fraudulent items continue to persist on my credit report despite multiple requests for their removal. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution. Also, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the ongoing presence of these fraudulent items on my credit report. They have negatively affected my ability to obtain credit, secure loans, and pursue other financial opportunities crucial for my financial stability. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance XXXX {$18000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00}.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 2024-06-15
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. (AZ)

Despite of my previous request, I had found out that there were still erroneous accounts on my credit file that seems to be inaccurate. For that, I am submitting again this complaint to espress my dissatisfaction as I saw my credit report again. I want some investigation regarding these matters. I am asking that you notify such informations. In addition, I want you to take immediate actions to avoid the repeated erroneousness on my account. This should include improving the quality control process and conducting regular audits to ensure the accuracy of the information reported. The account needs to investigate and be corrected on my file : XXXX  XXXX - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
XXXX XXXX XXXX XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- XXXX EXPERIAN XXXX XXXX XXXX -- -- -- -- - XXXX
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
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 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its 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 and 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 then 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 2024-06-15
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)

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.

and 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 2024-09-02
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-02
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)

This Account Doesnt belong to me please remove : creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE NOT MY ACCOUNTS PLEASE REMOVE THANKS
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

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.