davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
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)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX  to my life and XXXX XXXX
Consumer complaint received 2024-08-02
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)

This evening, I found inaccurate accounts on my credit report and I'm unsure why. I routinely check my credit report, but this time there were unexpected discrepancies. Refreshing my browser to fix any potential malfunction didn't help, as the inaccurate accounts remained. Due to this issue, I request a thorough review of the documents I've sent so I won't have to worry about this again.
Consumer complaint received 2024-08-02
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)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Please delete all fraudulent accounts and hard inquiries off my credit file from XXXX, Equifax, and XXXX immediately. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have disputed my public record 'bankruptcy ' with XXXX XXXX and XXXX and Transunion , XXXX XXXX  and XXXX have removed the bankruptcy because it was unverifiable and i have a letter from the bankruptcy court stateing that they DO NOT REPORT TO THE CREDIT BUREAUS nor do they report to them.
Consumer complaint received 2023-07-06
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. (PA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2024-08-02
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)

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

XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To whom it may concern, I have been informed that there are negative information reported by US Bankruptcy in the file you maintain under my social security number. Upon ordering my credit report, I see 3 entrys from this court listing with reference # XXXX Filed XX/XX/XXXX, and Reference # XXXX Filed XX/XX/XXXX and Refrence # XXXX Filed XX/XX/XXXX The entrys with this court appears to be inaccurate.

Please verify and validate this this information with the court and provide with documentation associated with these accounts granting you authorization to report this information, bearing my signature, I formally request this information be immediately deleted from the credit profile you maintain under my social security number.

Best Regards
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am writing to request the reopening of my complaint against XXXX ( Account XXXX XXXX ). I disagree with the account listed which still appears to be on my credit report. I would like this item to be reinvestigated immediately. The inaccuracies are highly injurious to my credit score. In accordance to the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D. 
I have not received any information or documentation confirming that the following required steps were taken during the repossession process. Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

I did not receive any communication notifying me of the impending repossession of my vehicle. 

There was no notification stating that my vehicle had been repossessed, where it was being held, or the outstanding amount owed. 

Post-Auction Notice I have not been informed of the auction results, including : - The sale proceeds and how they were applied. 
- The existence of any deficiency balance. 
- The application of sale proceeds towards the debt. 
- Compliance with relevant laws and regulations. 

I request that the CFPB reinvestigate whether these letters were sent and if all the necessary information, including date and time stamps, was provided to me as required by law. If these steps were not followed or if the required information was not provided, I respectfully request the removal of any related entries from my credit report. Please send me a updated copy of my credit report after your reinvestigation. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law XXXX  and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXX XXXX Balance : XXXX
Consumer complaint received 2024-08-20
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. (MD)

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 2024-08-20
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. (TX)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security XXXX, Consumer Date Of Birth:XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C 1681c-2 ) that XXXX, Equifax and XXXX credit reporting agencies, block information from appearing on my consumer credit reports that is a result of identity theft and fraud within 4 business days of you receiving this complaint. The listed items below are fraudulent, inaccurate and false information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I do not recognize the aforementioned accounts, collections or hard inquiries as reported. These fraudulent entries thats appearing on my consumer report that is maintained by you were not opened, made or initiated by me and pursuant to FCRA 605b I did not give my written or verbal permissible purpose to do so. ALL of the aforementioned entries is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned entries listed above are the result of identity theft and fraud. Failure to rectify this situation within 4 days will be the result of willfull non compliance pursuant FCRA ( 15 U.S.C 1681o ). Done In Good Faith-All Rights Reserved-Whithout Prejudice-Non Assumpsit.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security XXXX, Consumer Date Of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C 1681c-2 ) that Transunion, XXXX and XXXX credit reporting agencies, block information from appearing on my consumer credit reports that is a result of identity theft and fraud within 4 business days of you receiving this complaint. The listed items below are fraudulent, inaccurate and false information. XXXX. XXXX XXXX XXXX, account XXXX date XXXX XXXX. XXXX XXXX XXXX, account XXXX date XXXX XXXX. XXXX XXXX, account XXXX date XXXX XXXX. XXXX XXXX, account XXXX date opened : XX/XX/XXXX XXXXXXXX XXXX  account XXXX date XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  inquired on XX/XX/XXXX XXXX. XXXX inquired on XX/XX/XXXX XXXX. XXXX inquired on XX/XX/XXXX I do not recognize the aforementioned accounts, collections or hard inquiries as reported. These fraudulent entries thats appearing on my consumer report that is maintained by you were not opened, made or initiated by me and pursuant to FCRA 605b I did not give my written or verbal permissible purpose to do so. ALL of the aforementioned entries is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned entries listed above are the result of identity theft and fraud. Failure to rectify this situation within 4 days will be the result of willfull non compliance pursuant FCRA ( 15 U.S.C 1681o ). Done In Good Faith-All Rights Reserved-Whithout Prejudice-Non Assumpsit.
Consumer complaint received 2024-08-02
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)

I am disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score : XXXX : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX : # XXXX  In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This evening, I noticed incorrect accounts appearing on my credit report, and I have no clue why. I checked my credit report as usual, but this time, there were unexpected discrepancies. I tried refreshing my browser, thinking it might be a glitch, but the incorrect accounts remained. Due to this issue, I request a thorough review of the documents Ive sent so I can put this worry to rest.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-08-02
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, and equifax always show my credit history as having missed payments. I called Equifax and they said as it was only a one time {$30.00} missed payment they would forgive it. It never disappeared from my records. 

Also ; when I spend money my revolving balances go up and remain high even after I pay them. They are quick to lower my credit score and raise my total debt balance, but when I pay off debt credit never goes up.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account with XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8
Consumer complaint received 2024-08-18
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)

I have no less then 18 inquires on my Transunion Credit report that were due to attempted identity theft. I had the same issue with XXXX who has since removed the inquiries. Transunion has requested that I first make a report here with the Federal Trade Comission.
Consumer complaint received 2024-08-02
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. (MD)

I am writing because I have a credit card that has been reported to XXXX XXXX XXXX but not Equifax, affecting my credit because I am not getting the credit history I should have. Please have a look into this and please update my credit report. 15 U.S.C. 1681s-2 states that it requires furnishers of information to provide accurate information to credit bureaus and to update or correct information upon notice of a dispute.