davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
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, 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 Made Within Grace Period : The payment reported as late for XX/XX/XXXX was actually made within the 15-day grace period allowed by my creditor and should not have been recorded as a 30-day late payment.

Misapplication of Payment : Payments for XXXX, XXXX and XX/XX/XXXX were sent and processed on time, but were not properly credited to my account due to an internal error by XXXX, leading to the incorrect reporting of 60-day and 90-day late payments.

I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that all payments were made on time and within the contractual grace period.

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
Consumer complaint received 2024-09-14
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: EQUIFAX, INC. (FL)

On XX/XX/year>, I submitted a formal dispute letter to Equifax, contesting several collection accounts that appeared on my credit report. These accounts were inaccurate and unrecognized by me. In my letter, I requested that Equifax validate these accounts and provide the necessary documentation to support their presence on my report, as required under the Fair Credit Reporting Act ( FCRA ). Despite providing all required information and documentation, I did not receive any response from Equifax within the mandated 30-day period. 

The accounts in question are as follows : XXXX : {$2900.00} XXXX XXXX  : {$2500.00} XXXX  : {$1000.00} XXXX XXXX XXXX : {$3500.00} XXXX XXXX XXXX {$450.00} XXXX XXXX  XXXX : {$5600.00} XXXX XXXX  : {$8200.00} After receiving no response, on XX/XX/year>, I sent a follow-up dispute letter to Equifax, reiterating my request for validation of these accounts and demanding their removal from my credit report if they could not be verified. I reminded Equifax of its obligation under Section 611 of the FCRA to conduct a reasonable investigation and respond within 30 days. 

To date, Equifax has failed to provide any response, and the disputed accounts remain on my credit report. This lack of action on Equifax 's part not only violates the FCRA but has also caused significant harm to my creditworthiness and financial reputation. I am now submitting this complaint to the CFPB, as Equifax 's continued non-compliance with the FCRA and refusal to rectify this issue have left me with no other recourse. 

I seek immediate intervention to ensure that Equifax investigates this matter thoroughly and removes the unverified accounts from my credit report.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX I made two payments of {$500.00} to XXXX XXXX XXXX  and was told I would not be 30 days past due when I made the two installments in a agreement I was so afraid I called back and was told again I wouldnt be delinquent reasoning being because Ive never been delinquent and thats important to me and to my credit score and my livelihood for my family and I. XXXX employees told me false information and reported it & made my credit drop XXXX points. Thats devastating. Then these three Credit credit bureaus XXXX Equifax, XXXX XXXX have reported false information and or reported ND instead of changing my report to current status and removing negative information. Please investigate all parties involved synchrony bank, Equifax, XXXX, XXXX XXXX
Consumer complaint received 2024-09-13
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. (AL)

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 2024-09-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nelson Cruz & Associates LLC (TX)

Starting todayXX/XX/2024 I received XXXX phone calls from the phone number ( XXXX ) XXXX. 
An identical voicemail by what was clearly a robocall voice ( not a real person ) claimed they were contacting me " again '' from the office of " XXXX XXXX XXXX XXXX '' for an offer to help expiring tomorrow on an account that may negatively impact credit as part of a debt collection. 
In the voicemail I was told to call ( XXXX ) XXXX to deal with the issue. The first call occurred at XXXX ET and the second at XXXX ET. 
Note that despite the language mentioning I was being contacted " again '' this is, to my knowledge, the first contact. 
They did not provide any identifying information about me or the supposed debt I have no outstanding debts and searching online has shown several complaints of the predatory and scam nature of the supposed " XXXX XXXX XXXX XXXX '' so I had no interest in contacting them directly.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-12
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are not mine they are a result of identity theft attached are a report of my ftc ..please delete these inquiries.
Consumer complaint received 2024-09-12
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. (GA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX  XXXX Balance : {$23000.00} US DEPT ED XXXX {$3500.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$1400.00} US DEPT ED XXXX {$7900.00} US DEPT ED XXXX {$5600.00} US DEPT ED XXXX {$3500.00} US DEPT ED XXXX {$1600.00} US DEPT ED XXXX {$4300.00} US DEPT ED XXXX {$4200.00} XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XX/XX/year>
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute the inaccurate information being reported on my credit file. Specifically, [ Account Number ] is being reported as a redeemed repossession on my credit report. This is incorrect and misrepresents the true status of the account.

1. Violation of the Fair Credit Reporting Act ( FCRA ) Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. Reporting an account as a redeemed repossession when that is factually inaccurate is a clear violation of this obligation. I have not redeemed any repossessed property or vehicle, and the inclusion of this remark is erroneous. 

Furthermore, under 15 U.S.C. 1681i ( a ), I have the right to dispute incomplete or inaccurate information on my credit report. Once notified of a dispute, the credit reporting agency is required to investigate the accuracy of the disputed information within a reasonable time. I am now exercising this right and requesting that you investigate this claim immediately.

2. Violation of the Uniform Commercial Code ( UCC ) 9-625 According to UCC 9-625 , creditors are required to adhere to strict guidelines concerning the repossession and redemption of property. Reporting a repossession inaccurately, when no repossession has legally occurred, violates the principles set forth in the UCC regarding fair and accurate reporting of financial transactions. Moreover, UCC 9-609 details the specific rights of creditors when taking possession of collateral after a default, and no such action has taken place in my case, nor has any redemption. 3. Impact on My Credit Score
and Financial Health The inaccurate reporting of a redeemed repossession is unjustly harming my credit score and financial standing. A repossession or the suggestion of one, redeemed or otherwise, implies negative credit behavior, which is not the case here. Reporting such false information is damaging to my ability to access credit, and it violates my rights under the FCRA and UCC.
Consumer complaint received 2024-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I have sent a dispute letter to Experian XX/XX/year> and didn't receive any response. I am deeply concerned about the numerous inconsistencies found on my credit report. I've noticed a few inconsistencies that need to be fixed right away. 

Below is a detailed description of the particular errors in question : Under Personal Information : My Name is reporting wrong. Correct as soon as you get this. Date of birth is not the same for the other bureaus. Correct all errors. Current address is reporting wrong. Correct all errors. Previous address is reporting wrong. Please do your investigation. The Employee information is wrong. The FTC says that you have to investigate. Im asking you to do that. I have provided my social security number and proof of address to further fix this issue. My name is XXXX XXXX XXXX. 
My address is XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX NV XXXX Under Accounts : XXXX XXXXXXXX XXXX : XXXX, Reported account does not match the reported accounts from the other bureaus. Remove the damaging accounts from my credit report. 
XXXX XXXX XXXX : XXXX, The information on my report was either inaccurate or could not be re-verified. Requesting that the error should be deleted and send an accurate report. 
XXXX : XXXX, Fair Credit Reporting Act says you must investigate inaccurate information and this account is inaccurate. Please delete the error on my report promptly. 
XXXXXXXX XXXX  XXXX : XXXX, It appears that this account has issues that needs to be fixed. Respectfully request to provide me with competent evidence that you are reporting this account correctly. If not delete it. 
XXXX XXXX : XXXX, Im demanding a deep investigation into this account due to its inaccuracies. The item must be DELETED IMMEDIATELY.
Consumer complaint received 2024-08-26
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2024-08-26
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. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX  account numbers ( XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account numbers ( XXXX, XXXX ) XXXX XXXX  XXXX account XXXXXXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXX account XXXXXXXX XXXX XXXX account XXXX XXXX XXXX account XXXX all has violated my rights. I looked at my Experian 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 2024-09-26
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. (TX)

The late payment remarks and account status currently reflected on my credit report are incorrect and do not accurately represent the true history of this account. The account in question has been closed, and the reported late payments do not align with my actual payment history. These inaccuracies are negatively impacting my credit score and misrepresenting my financial behavior. I request a thorough review of the account details and the immediate removal of the incorrect late payment remarks and status from my credit report. Ensuring the accuracy of this information is critical to maintaining the integrity of my credit profile, as required by the Fair Credit Reporting Act ( FCRA ). Please update my report to accurately reflect that the account was closed and remove the erroneous late payment information.
Consumer complaint received 2024-08-26
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-26
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: Experian Information Solutions Inc. (SC)

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 XXXX 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 2024-08-26
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. (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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX