davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Formal Complaint Regarding Inaccurate Reporting by XXXX [ Account Number : XXXX ] To Whom It May Concern, I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of a balance by XXXX pertaining to my charged-off secured credit card account, with account number XXXX. I want to bring to your attention the concerning discrepancy in the reported balance and the true nature of this secured credit card account. 

It has come to my attention that XXXX inaccurately reported a balance of {$210.00} for my charged-off secured credit card, despite the fact that this account was initiated as a secured credit card with an accompanying deposit. I would like to emphasize that at the inception of this account, I made a deposit as per the terms and conditions of a secured credit card agreement. The remaining balance should have reflected not only the deposit I made but also the funds that XXXX retained in accordance with the terms of the contract. 

I hereby request that XXXX provide authentic and verifiable documentation of the original debt and the associated contract that clearly outlines the deposit I made and the terms governing the retention of a portion of my funds. It is imperative that XXXX presents accurate and conclusive proof of the financial arrangement that was established at the outset of this secured credit card account. 

In the event that XXXX is unable to produce the requested documentation that supports the reported balance and the terms of our agreement, I insist that this inaccurate reporting be promptly removed from my credit report. It is of paramount importance that my credit history accurately reflects the true nature of this account and the financial obligations associated with it. 

I appreciate your prompt attention to this matter and kindly request that you initiate an investigation into this discrepancy. I believe that the CFPB 's intervention will play a pivotal role in ensuring fair and accurate reporting practices by financial institutions. 

Thank you for your consideration and assistance in resolving this matter. I look forward to your timely response. You can reach me at [ email address ] or [ phone number ] should you require any further information or clarification. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-13
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)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-07-13
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. (IL)

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation 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
Consumer complaint received 2024-07-13
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. (IL)

Did not consent to unauthorized inquiries the inquiry was not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-12
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. (KS)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 
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
Consumer complaint received 2024-07-12
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)

will never stop refilling complaint to the EQUIFAX for allowing the fraudulent accounts and for not taking corrections on my credit report despite the multiple request I sent. I have my dispute letter dated XX/XX/2024, XX/XX/2024 and XXXX XXXX, alongside with this complaint is the identity theft report number XXXXThey allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports
Consumer complaint received 2024-07-12
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. (KS)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT # START XXXX, HAS VIOLATED MY RIGHTS. 
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
Consumer complaint received 2024-07-12
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 am a natural person, I am a living human being, I have rights under XXXX XXXX XXXX. 

Equifax is govern by XXXX XXXX XXXX. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to XXXX XXXX XXXX : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


XXXX XXXX XXXX XXXX XXXX A
Consumer complaint received 2024-07-12
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)

Once your debt has been sold to a 3rd party debt collector, the creditor can no longer collect on that debt. They sold your debt to a collection agency. You don't know who they are because you never agreed to anything with them.
Consumer complaint received 2023-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These creditors are in direct violation of my consumer rights and it's AFFECTING my character as I ambeing violated. Please remove these unknown items listed in this report ASAP or I will be force to pursueother options. According to 15 US Code 1681B I didn't give any permission to anyone or approval for mycredit to be assainated the way it's being attacked. This information isn't fair or accurate, in addition pleasedelete and remove permanently the address and inquires that is also in violation ADDRESS XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. THISINFO IS ALSO INACCURATE & UNFAIR ACCORDING TO 15 US CODE 1681B. INQUIRY XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX ) Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America put a hold on my paycheck of {$210.00} that I deposited on XX/XX/24. I have been depositing the same check for more than 3 months w/o a problem. They told me that they had to verify the check and also told me because my account has been overdrawn in the past. Because my account had been overdrawn, that's the reason that they should have honored the check in a timely fashion. The reason is because that shows that I needed the money now not a week from now. In other words, it is a time issue. Of course, I will want my money also a week from today. I am sure that they don't do this to people who have money in their accounts. In other words, they are affecting the same people that they should be helping. I needed the money to pay my office rent and the IRS today XX/XX/24.
Consumer complaint received 2024-07-12
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX
Consumer complaint received 2024-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

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 2024-07-12
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. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurateXXXX XXXX XXXX
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/year> I went to a branch of Bank of America in XXXX XXXXXXXX XXXX  and deposited a business check for {$3700.00}. via a bank teller. The deposit was made correctly and I received a receipt from the teller. Then later in the day I received an email from Bank of America that a hold had been put on my deposit because they " had information the funds may not be collectible '' No other explanation was given and I was not able to get any explanation via the company website or by calling their help number ( after thirty minutes on hold I was disconnected ). 

It is obnoxious and unbusinesslike and stupid for a bank to put a hold on someone's sizable deposit to their business checking account for an indefinite period without explanation. I called the client who had submitted the check to me and he could find no explanation via his own bank account either. As of today the funds still have not been released. 

The account is for a part-time business of mine called XXXX XXXX  XXXX and the account number is XXXX XXXX XXXX In my 20+ years of having a BOA account it has been one idiotic thing after another with this bank 's poorly-trained employees.
Consumer complaint received 2024-07-12
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. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXXXXXX XXXX XXXX
Consumer complaint received 2024-07-12
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)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-12
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)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXXXXXX
Consumer complaint received 2024-07-12
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)

This complaint is in regards to the consumer report belonging to XXXX XXXX XXXX XXXX. There are multiple items that were added to XXXX XXXX XXXX XXXX consumer report that I did not authorize nor consent to. In fact I do not consent to these items being reported on my Consumer report. The items that were added without my authorization are inquires. I will list the inquires below as well as attach photos of the inquires with this complaint XXXX XXXX XXXX on XX/XX/year> XXXX XXXX VIA DEALER on XX/XX/year> XXXX XXXX  on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> XXXX XXXXXXXX XXXX  on XX/XX/year> XXXX XXXX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> XXXX XXXX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> ALL of the above inquires that are being reported on XXXX XXXX XXXX XXXX consumer profile by XXXX, XXXX, and EQUIFAX were not authorized by XXXX XXXX XXXX XXXX XXXX I do NOT consent to these items being added to my consumer report. I demand these items be removed immediately If XXXX XXXX XXXX XXXX claims that he did not authorize the above items the FCRA states that the credit reporting agencies XXXX, XXXX, and EQUIFAX must remove them. 

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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.

No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority.

Anything added to your report without your written consent could be considered Identity theft I am demanding that the unauthorized items be removed from my consumer report
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute inaccurate information that is currently listed on my credit report. There is incorrect information that I would like to have removed as it does not reflect my true credit history. A dispute letter has been sent via certified mail requesting the information be deleted as it is reporting inaccurate dates the accounts was opened and some of the accounts have been paid and is reporting that they have not, receipts have been attached. 

Under 15 U.S. Code 1681e ( b ) is a provision of the Fair Credit Reporting Act ( FCRA ) that outlines the responsibilities of consumer reporting agencies ( CRAs ) to ensure the accuracy of the information they provide in consumer reports. 

Also, under 15 U.S. Code 1681i ( a ) ( 5 ) is another provision of the Fair Credit Reporting Act ( FCRA ) that deals with the procedures for the reinvestigation of disputed information by consumer reporting agencies. 

Please delete inaccurate information from these accounts listed below : XXXX. XXXX XXXX ( XXXX ) - account have been paid as well XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Account XXXX  with XXXX XXXX  XXXX XXXX in XXXX and closed and written off in XXXX. Based off the FCRA public law 91-508 to report on a consumers credit it has to be 100 percent accurate. If anything found innacurate its to be removed if mutliple investigations on its accuracy was held. I had multiple investigations and phone calls made and it was said to be accurate. And till this day the account is still on my credit report. Im in the position to sue this company for defamation of character. Also spoken to a representative from XXXX XXXX XXXXXXXX a week ago stating my account would be removed from credit and wont report. Ticket number is XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX