davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-09-30
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, 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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-30
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)

I received a copy of my credit report and I have found the following item listed below to be an error. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> - ACCT # XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a 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 21days before the payment due date. I NEVER gave EQUIFAX XXXX XXXX OR XXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EQUIFAX XXXX XXXX XXXX has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized credit reporting listed without my expressed written consent.
Consumer complaint received 2024-09-30
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$3200.00} XXXX  XXXX XXXX Balance : {$9500.00} XXXX XXXX  XXXX Balance : {$860.00}
Consumer complaint received 2024-09-30
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. (WV)

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 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I have been with Fifth Third for 20 years and have never had a dispute of my debit card being stolen. On Saturday XX/XX/XXXX at approximately XXXXXXXX XXXX I received a text message from the Fifth Third Fraud dept. asking me if I was at XXXX trying to charge {$250.00}. I text back No. I went to look in my purse and that's when I discovered that my wallet was stolen from out of my purse. I immediately called Fifth Third and they told me they have now deactivated the card and they'll mail me out a new one. I asked about disputed any charges and they told me I had to wait until all transactions have cleared before I can dispute the charges. On Tuesday XX/XX/XXXX all charges had finally cleared. I called them to dispute the charges. On that day there were about 10 to 12 charges that cleared. I asked him were they charges from XX/XX/XXXX because I only made 2 transactions that day and told him which transaction they were. He went on to name atleast 8 transactions. I again kept reiterating to him I only made 2 transactions on XX/XX/XXXX before my card was stolen. They sent me a letter denying my claim because they said some of the charges were from before my card was stolen and they couldn't clarify. I called and spoke to a dispute supervisor after reviewing my account and told her specifically which 2 charges that were from the fraud. They said they would open the case back up to review it again. They denied it again because they said they have to base it on the original dispute call on XX/XX/XXXX. They told me that even though they do know that there was fraud and they did text me to let me know about the fraud and they know that I called back in to correct the verified fraud charges that they're decision is final because they have to base it on the call on XX/XX/XXXX and not the call of me correcting the dispute charges which was a XXXX gas station for {$110.00} and a XXXX XXXX purchase of {$250.00}. They blocked the XXXX of the {$250.00}, that's when they text me and alerted me of my card being stolen.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : XXXX : XXXX  XXXX XXXX $ XXXX Account Info/account number- XXXX Open/ closed Date opened XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00} XXXX Account info/Account Number - XXXX OPEN/ CLOSED XX/XX/XXXX date opened XXXX : XXXX XXXX XXXX. 
{$7200.00} Account info/ Account Number XXXX XX/XX/XXXX date opened PAID/ CLOSED XXXX : XXXX XXXX {$2700.00} Account info/ Account Number XXXX XX/XX/XXXX date opened OPEN Equifax : XXXX XXXX {$2700.00} Account info/ Account Number XXXX Date Opened XXXX, XXXX OPEN XXXX : XXXX XXXX  XXXX {$6200.00} Account Info/ Account NumberXXXX Date Opened XX/XX/XXXX Closed XXXX : XXXX XXXX  {$7200.00} Account Info/ Account Number XXXX Open/ Closed Open Date Opned : XX/XX/XXXX Closed XXXX : XXXX XXXX  : {$2700.00} Account Info/ Account Number XXXX Open/ Closed Open Date Opned : XX/XX/XXXX OPEN
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: Experian Information Solutions Inc. (VA)

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), and a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX )., These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are 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 consumer
Consumer complaint received 2024-09-30
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. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

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 2023-04-19
Product: Credit reporting, credit repair services, 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. (FL)

Dear TransUnion : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : - XXXX XXXX XXXX XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30  days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-09-30
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. (OH)

I have identified inaccurate details on my credit report, as protected by 15 USC 16c-2. I believe this information is misrepresenting my creditworthiness. The inquiries were not authorized by me.
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: Experian Information Solutions Inc. (GA)

Recently, I reviewed my credit report and noticed several inaccuracies on my account with U S DEPT OF ED/XXXX  This inaccurate information is negatively impacting my ability to obtain credit. 

I am requesting that you investigate and verify the accuracy of this account information. 

Here is the item I am asking you to verify as accurate : - Account : U S DEPT OF EDXXXX - Account Number : XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-01
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-30
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. (PA)

EQUIFAX CREDIT BUREAU SAID THAT THEY ACCIDENTALLY DELETED AND REMOVED MY CREDIT CARD ACCOUNT FROM " XXXX XXXX XXXX XXXX 

1 ) I THEN REACHED OUT TO XXXX XXXX XXXX  AND THE SAID THAT THEYWILL REPORTING BACK THE FOLLOWING MONTH. THAT WAS OVER 6 MONTHS AGO AND STILL NOT SHOWING ON THE EQUIFAX REPORT.

2 ) i THEN REACHED BACK OUT TO EQUIFAX AND THEY SAID THAT CANT PUT IT BACK ON. WHEN I CHECKE
D THE EQUIFAX ARCHIVE IT SHOWED THAT IT WAS ON THE REPORT.

3 ) AT THIS POINT THE XXXX XXXX IS STILL BEING REPORTED ON THE OTHER XXXX CREDIT BUREAU ( XXXX XXXX AND XXXX ) PLEASE INVESTIGATE THIS MATTER. I HAVE LOST ABOUT 18 MONTHS OF ON TIME PAYMENT HISTORY. I AM VERY SADDENED BY THIS.
Consumer complaint received 2024-09-30
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)

Motion to Withdraw and Status conference on Dismissals Inbox XXXX  XXXX XXXX Attachments XX/XX/2021, XXXX to me The court has set the Motions to dismiss for a status conference on XX/XX/2021. I have attached a copy of our Motion to withdraw and the notice of hearing to this email. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Direct Line XXXX Fax XXXX XXXX XXXX You filed your own motions to dismiss in the lawsuit and the XXXX  XXXX bankruptcy. The Court has set those motions for hearing on XX/XX/2021 at XXXX XXXX. You need to attend that hearing. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Direct Line XXXX Fax XXXXXXXX XXXX I AM DISPUTING THIS BANKRUPSTY THROUGH XXXX XXXX EQUIFAX THERE IS ERRORS AND IT WAS DISMISSED NEVER WENT THROUGH WITH THIS DELETE THIS IS A EMAIL FROM MY LAWYER
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: Experian Information Solutions Inc. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-30
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)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it once again, There are accounts that need verifying that are still in my report here is the account that needed investigation : XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX  XXXX Balance Owed : {$350000.00} These accounts are inaccurate, I did not incur any late payments. Please update to pay on time.
Consumer complaint received 2024-09-30
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. (SC)

It has come to my attention that there are errors on my credit report, which are addressed under 15 USC 16c-2. These inaccuracies are damaging my creditworthiness, and I never gave permission for the listed inquiries.
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: Experian Information Solutions Inc. (NY)

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. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX