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 — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MD)

To Whom It May Concern, This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report. These reports were lawfully obtained by me, through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Please provide proof that the information as contained on the reported tradeline is 100 % Accurate, Complete, Verifiable, AND Timely. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any obligations of your reporting bar none. 

DEPT OF EDUCATIONXXXX - XXXX There is not a single late remark on this account. Please update this to positive. This is unfair and unlawful. 

DEPT OF EDUCATIONXXXX - XXXX There is not a single late remark on this account. Please update this to positive. This is unfair and unlawful. 

XXXX XXXX XXXX  - XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  - XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  - XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681
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. (TX)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2023-03-18
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. (NV)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MD)

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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear, XXXX, Equifax, and XXXX I am writing to dispute several inaccuracies in my credit report obtained on [ date you obtained the report ]. This letter serves as a formal request for an investigation pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. 
Account Information XXXX Account Number : XXXX Balance : {$2000.00} Status : Open Last Activity : XX/XX/XXXX Equifax Account Number : XXXX Balance : {$2000.00} Status : Closed Last Activity : XX/XX/XXXX XXXX Account Number : XXXX Balance : {$2000.00} Status : Open Last Activity : XX/XX/XXXX Specific Inaccuracies Balance Discrepancy : The reported balances vary across the bureaus, creating confusion about my financial obligations. 
Account Status : The account status is inconsistent : " Open '' on XXXX and XXXX, but " Closed '' on Equifax. 
Payment History : While I have consistently paid on time, several months in XXXX show " No data available, '' which misrepresents my payment history. 
Legal References Under 15 U.S.C. 1681c-2, a consumer reporting agency must block the reporting of information identified as resulting from identity theft within four business days of receipt.

15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) require accurate reporting, which is currently not upheld in this account.

According to 15 U.S.C. 1681, I have federally protected rights to privacy and confidentiality.

15 U.S.C. 1681b mandates that a consumer reporting agency can not furnish accounts without my written consent.

Request for Documentation I request that you provide me with the original copy of the agreement, along with the terms and conditions associated with these accounts. Failure to comply will result in the forfeiture of your claims and may require the deletion of the items listed above.

You are required to act on this matter and block these transactions from being reported to my credit file within four business days of receiving this notice. 
Resolution If these inaccuracies are not resolved, I will seek damages of {$1000.00} per account under the FCRA. 
I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following accounts are the result of identity theft : XXXX XXXX XXXX {$5800.00} XXXX XXXX- XXXX {$3700.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$5800.00} XXXX XXXX- XXXX {$3700.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$370.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX I am including a copy of a recent FTC report, I ask that these accounts be removed.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I saw a eviction collection on my credit report, I reached out to Experian and at the time I placed a fraud alert, and I explained to the credit bureau informing them that someone had used my identity to rent or obtain a apartment without my consent or knowledge using my identity
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX the account # XXXX, account # XXXX, account # XXXX and account # XXXX violated my rights. 

15 U.S.C 1681 section 602 A : I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Experian - Dispute Report # XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to formally request your assistance in resolving an ongoing issue with Experian XXXX the correction of my personal information on my credit report. On XX/XX/year>, Experian under Dispute Report # XXXX to have stated that the outdated addresses was removed from my credit report. Experian claimed that they updated my personal information ; however, as of today, XX/XX/year>, all of the outdated addresses remain on my credit report. 

I am frustrated and concerned that Experian has not fulfilled their responsibility to accurately update my personal information as requested. I have only one current address, which is on record, and I have already provided all necessary verification and information to Experian. I should not be required to submit this information again. 

Experians failure to correct this issue despite their claim that it has been resolved is not only misleading but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting that you take immediate action to ensure Experian removes these outdated addresses from my credit report within 15 days from the date of this letter. I should not be forced to wait another 30 days for these deletions, as Experian has already had sufficient time to address this matter. 

If Experian fails to comply with this request, I will have no choice but to exercise my rights under 15 U.S. Code 1681n, which provides for civil liability for willful noncompliance with the FCRA. 

I trust that the CFPB will take swift action to resolve this issue and ensure Experian complies with federal law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX [ Signature, if sending a printed copy ]
Consumer complaint received 2024-08-28
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: Experian Information Solutions Inc. (MD)

Subject : Request for Assistance in Removing Unauthorized Credit Inquiries Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request your assistance in resolving an issue related to unauthorized credit inquiries on my credit report from Experian, XXXX, XXXX. The following XXXX companies have accessed my credit report without my consent, and I have no associated accounts with any of these lenders : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have contacted each of these companies individually to request the removal of their credit inquiries, but my requests were denied. Additionally, I have reached out to Experian, XXXX, and XXXX to remove these inquiries from my credit reports, but they have refused, directing me to file a report with the Federal Trade Commission ( FTC ).

These unauthorized inquiries are negatively impacting my credit score and significantly hindering my ability to secure a mortgage loan. I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) issue a directive compelling Experian, XXXX, and XXXX to remove these unauthorized credit inquiries from my credit reports. 

Your prompt attention to this matter is crucial for my financial well-being, and I appreciate your assistance. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Upon reviewing my consumers report, I realized that a few accounts listed did not belong to me. I have never applied for anything with these companies, and I am not sure how they got my personal 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
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my follow up complaint, I sent a letter on XXXX XXXX to remove accountsthat are UNKNOWN to me. I came across this law today and according to the PerFCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts orinformation not later than XXXX business days after the XX/XX/XXXX XXXX alreadyincluded this in my previous Complaint XXXX  & I am including it again. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX 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 : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-24
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: EQUIFAX, INC. (IN)

I was reviewing my credit report and noticed that I had unauthorized inquiries on my report. I've attempted to rectify the situation several times and got nowhere. I'm now sending the items your company told me were needed. Since I was told that the ID theft report from the FTC was invalid????? As well as the CFPB ( federal agency ) complaint was no good????? See attached
Consumer complaint received 2024-08-28
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. (TX)

I looked at my credit report back on XXXXXXXX XXXX2024 and noticed some things VERY inaccurate 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 I sent a letter to Experian INDIVIDUALLY asking them for full reports on how they validated, verified & how they are in compliance also I asked for Concrete evidence of this account such as signatures etc of these accounts listed below XXXX XXXX XXXX  XXXX [ Account Number ] [ XXXX ]. Open date is not reporting correctly, Date last active, Date of last payment is not correct, this account is not accurate in any shape or form. 
They have not responded to me and heres my tracking number [ XXXX XXXX XXXX XXXX XXXX XXXX ]
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I mailed letters to TransUnion and XXXX showing them copies of incorrect information that is being reported through their companies. I received a letter from XXXX stating, " We received your request regarding your XXXX credit file. However, we are unable to locate a credit file for you for one of the following reasons : 1. You have not applied for credit recently.

2. You have not actively used credit in the past ten years, or 3. You have not lived in the United States or have not been issued a U.S. social security number. 
TransUnion simply stated " Re : Unable to locate credit report ''
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Account -XXXX XXXXXXXX XXXX Account # - XXXX This Account was charged off on the following date : XX/XX/2023. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment History. after an account is charged off, there should be no update in the payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly on two occasions and your neglect has violated my rights. Please delete this Account off of my credit report! 

Account XXXX XXXX XXXXXXXX Account # - XXXX
Consumer complaint received 2024-07-24
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. (MA)

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 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-09-19
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. (FL)

Re : Demand for XXXX XXXX XXXX XXXX XXXX Dear Trans Union LLC, I acknowledge receipt of your communication regarding the dispute I submitted, as well as your confirmation that the XXXX  Attorney General XXXX item has been deleted from my credit file. 
While I appreciate your prompt investigation and deletion of the item, it is important to highlight that this deletion serves as an admission that the item should not have been placed on my credit report in the first place. The inaccurate reporting of this item has caused significant harm to my credit standing and has directly affected my ability to obtain credit under favorable terms, thereby resulting in financial damages. 
I have experienced the following impacts due to your improper reporting : Increased interest rates on loans and credit cards. 
Denied credit applications, which have harmed my financial prospects. 
Emotional distress due to the strain caused by your company 's error. 
Considering the harm and losses I have suffered due to the presence of the inaccurate item on my report. Item was deleted according to the company 's correspondence XXXX complaint XXXX SUBMITTED ON XX/XX/year> XXXX Credit reporting or other personal consumer reports ISSUE Improper use of your report I look forward to your prompt attention to this matter. 
Sincerely, XXXX XXXX