davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
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. (GA)

Dear Sir/Madam, URGENT REQUEST FOR REMOVAL OF INACCURATE EVICTION ATTEMPTS I am writing to urgently dispute and demand the removal of eviction attempts from XXXX XXXX and XXXXXXXX XXXX that are inaccurately reported on my credit file. I have never been evicted from any property, and these entries are entirely false. These erroneous eviction attempts are putting me at immediate risk of not being able to secure housing and are causing undue emotional distress. Landlords are reviewing this incorrect information and making decisions based on false records, severely hindering my ability to find a new home. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have only accurate and verifiable information on my credit report. Section 611 of the FCRA mandates that credit reporting agencies investigate disputed information and delete any unverifiable, inaccurate, or incomplete entries within 30 days. However, due to the urgency of my housing situation, I am demanding that you correct these false eviction attempts within 3 days. Additionally, under the Fair Housing Act ( 42 U.S.C. 3601 et seq. ), landlords and property managers may deny housing based on incorrect eviction information, which constitutes a barrier to fair housing access. This misinformation is subjecting me to housing discrimination, violating my rights under federal law. Moreover, I bring your attention to the penalties outlined under the Consumer Financial Protection Bureau ( CFPB ) regulations. Failure to promptly address inaccurate information can result in civil liability for willful noncompliance, as per 15 U.S.C. 1681n, and negligent noncompliance, under 15 U.S.C. 1681o. You are required by law to maintain accurate information, and continued reporting of these false eviction attempts is both a breach of your legal obligations and a serious detriment to my rights. Below are the specific details of the inaccuracies : Property XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX  Dates of Alleged Eviction Attempts : [ Insert date or date range, if known ] I have attached documentation confirming that I have never been evicted. I request that these inaccurate eviction attempts be removed from my credit report within 3 days of receipt of this letter. Failure to do so may leave me with no option but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action under the FCRA. Upon completion of your investigation and removal of these erroneous entries, please send me a copy of my updated credit report showing these corrections. Thank you for your immediate attention to this critical matter. I expect your prompt response and resolution. Sincerely, XXXX XXXX
Consumer complaint received 2024-09-20
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 recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

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 2024-09-20
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. (NY)

XXXX. XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Phone number ( XXXX ) XXXX XXXX. XXXX XXXX XXXX  Important dates Inquiry dateXX/XX/XXXX Removal dateXXXX XXXX Additional details Business typeAuto Financing Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX. XXXX XXXX VIA DEALER Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Contact info Address XXXX XXXX  XXXX XXXX XXXX  # XXXX XXXX, VAXXXX Phone number By mail only XXXX. XXXX XXXX VIA DEALER Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Contact info Address XXXX XXXX  XXXX XXXX XXXX  # XXXX XXXX, VAXXXX Phone number By mail only XXXX. XXXX XXXX XXXX  XXXX Important dates Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX Additional details Business type All Banks Contact info Address XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX, XXXX Phone number By mail only XXXX. XXXX XXXX XXXX  XXXX Important dates Inquiry dateXX/XX/XXXX Removal dateXX/XX/XXXX Additional details Business typeAll Banks Contact info Address XXXX XXXX  XXXX XXXX XXXX # XXXX, VAXXXX Phone numberBy mail only XXXX. XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Contact info Address XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX. XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Contact info Address XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX. XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Contact info Address XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX. XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number By mail only XXXX. 
XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers, New Contact info Address XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX. XXXX XXXX XXXX. 
Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers, New Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number By mail only
Consumer complaint received 2024-07-06
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. (AZ)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

In accordance with the fair credit reporting act XXXX Account, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-06
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. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

I filed for bankruptcy in XXXX of 2024. There were 5 credit cards total. I was never late on any of the payments. The credit bureaus show 4 30 day late payments and 4 60 day late payments. They have been disputed several times and not removed. I filed before the payments were due. Please have them by law on each bureau remove all 4 30 and 60 day late payments. Its seems one of the credit card companies did this in spite, due to the bankruptcy, which is illegal by law. Experian should know better and has done nothing to remove them when requested several times.
Consumer complaint received 2022-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (GA)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will XXXX  XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, XXXX XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
PROFESSIONAL DEBT XXXX XXXX XXXX XXXX  As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
PROFESSIONAL DEBT XXXX XXXX XXXX XXXX  As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2024-07-06
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)

XXXX XXXX, XXXX is in violation of Section 609 of the Fair Credit Reporting Act ( 15 USC 1681 ). 

XXXX XXXX XXXX XXXX is providing information to credit bureaus for account number XXXX. I have not provided written consent for the furnishing of this information.
Consumer complaint received 2021-09-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (CA)

I am a victim of identity theft .This collection agency is not only reporting fraudulent account. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with XXXX XXXX. They dont respond to my disputes and keep verifying this fraud to the credit bureaus.
Consumer complaint received 2024-07-06
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. (CA)

XXXXXXXX XXXX XXXX XXXX inaccuracies and intentionally reporting false balance, XXXX  ( XXXX XXXX XXXX XXXX reporting to the CRA s ( Consumer Reporting Agencies- XXXX, Experian and XXXX ) XXXX reporting amount balance of {$670.00} and the amount past due {$670.00}. 
Original creditor XXXX XXXX XXXX  reported to the CRA 'S on credit report XX/XX/year>, that the amount balance of {$570.00} and amount past due {$150.00}. 
See attachments. 
XXXX XXXX XXXX also reporting two accounts on my credit report. See attachment. 
Delete and remove these duplicate accounts immediately. 
XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX and Experian.
Consumer complaint received 2024-07-06
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. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-06
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. (TX)

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 2024-07-06
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. (NC)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-07-06
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. (DE)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-06
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. (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

Dear CFPB, I am writing to formally report a persistent issue I have encountered with XXXX XXXX XXXX regarding the inaccurate reporting of information related to a fraudulent auto loan under my name. Since 2016, XXXX XXXX XXXX has continuously reported false information to the credit bureaus, causing significant harm to my credit profile. 

Despite providing them with documentation proving that I was a victim of fraud, XXXX XXXX XXXX has failed to correct their records. Instead, they have re-reported this inaccurate information consistently for over seven years, which I believe violates the Fair Credit Reporting Act. 

The damages I have incurred due to this ongoing issue exceed {$15000.00}, both in financial losses and emotional distress. I am requesting that the CFPB intervene to ensure that XXXX XXXX XXXX removes all fraudulent reporting associated with my account. Additionally, I urge the Bureau to consider imposing a fine on XXXX XXXX XXXX for the harm caused by their negligence and failure to rectify this matter. 

I appreciate your attention to this urgent issue and look forward to your prompt response.
Consumer complaint received 2024-10-28
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)

Hi. I am having issues with the credit bureaus lack of investigation into my dispute. I contacted them because there are numerous incorrect accounts on my credit report and I need them corrected or removed from my reports. They have not investigated and I have not received any results from them. I initially reached out to them in XXXX and it is almost XXXX and I have not received anything from them and my credit reports remain unchanged. I was told by my lawyer friend that I should submit this complaint because their action, or lack there of is violation of credit reporting laws and if they continue I can sue them and receive compensation for their violations. I don't want to have to do that, but I feel it is necessary that I file this complaint for starters to attempt to hold them accountable. I have to move soon and their unfair reporting is keeping me from being able to move.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$310.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX