davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
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. (CA)

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year> XXXX
Consumer complaint received 2024-06-21
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-21
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)

My account with XXXX  was never late! I have had exceptional payment history with 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 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 ( MONTHS REPORTING LATE ) 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 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 2024-06-21
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. (TN)

Thank you for your prompt attention in correcting some adverse information on my credit file. However, I still find accounts that need to be repaired. Therefore, I request that all inaccurate information for the accounts listed below be fixed immediately : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4900.00} XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$31000.00}
Consumer complaint received 2024-09-03
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)

Another person was using my information for open credit card accounts and another account, please remove this from my credit report XXXX  XXXX - Account # XXXX XXXX - Account # XXXX XXXX XXXX XXXX - # Account # XXXX XXXX - Account # XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

EQUIFAX Credit Report Confirmation XXXX I am disputing the information on the following account : XXXX XXXX XXXX XXXX  Charge Off account # XXXX Summary Available Credit shows - {$170.00}. Inaccurate Account History Balance : Date opened through XX/XX/XXXX missing. 

Available Credit : All information missing. 

Scheduled Payment : All information missing. 

Actual Payment : All information missing. 

High Credit : All information missing. 

Credit Limit : Missing from Date opened XX/XX/XXXX, to XX/XX/XXXX. From XXXX XXXX XXXX shows a credit limit of {$350.00}. Inaccurate Amount Past Due : Missing from Date opened XX/XX/XXXX, to XX/XX/XXXX. From XXXX XXXX XX/XX/XXXX shows amount past due of {$520.00}. 

Activity Designator : missing all information. 

Payment History : Shows Account was charged off XX/XX/XXXX but says first delinquency was XX/XX/XXXX. 


Account Details High Credit missing information Credit limit {$350.00}, but account is charged off. 
Terms Frequency Unknown. Wrong Balance shows {$520.00}. Inaccurate Amount past due shows {$520.00}. Inaccurate. 
Actual Payment Amount missing Date of Last activity missing Activity Designator missing Term Duration Missing Date of Last payment XX/XX/XXXX, but that was when account shows it was 90 days past due at that time. 
Scheduled payment amount missing Delinquency first reported XXXX, but Amount past due shows {$520.00} past due starting in XXXX XXXX XX/XX/XXXX. 
Creditor Classification Unknown, this is impossible. 
Deferred payment start date blank Balloon payment date blank Date of first delinquency shows XX/XX/XXXX, wrong. 
Charge off Amount {$540.00}, but amount past due shows {$520.00}. 
Date Closed Missing Why are all of the Actual Payments missing? Why does the account only show negative remarks while all the good stuff is missing? This is causing me harm and hurting my credit score. 

Please correct all the information listed above or delete the account from my consumer reports. 

Attached : Credit report Drivers License Social Security Card I have included all necessary proof of my identity and address. Please do not send me a stall letter saying that I didnt provide enough proof of identification. Im not in the mood to play games. 


Thank you XXXX XXXX XXXX : XXXX Birthdate : XX/XX/XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Thank you for removing some items from my file caused by incorrect credit report details. However, there are still items that need to be addressed. According to FCRA section 605, you are required to remove any items listed on an ID THEFT REPORT. I am submitting Identity Theft Report # 173580140. Under FCRA section 605B ( a ) ( 1 ) ( 2 ), you must remove any information in my file resulting from erroneous credit information within 4 business days of receiving ( 1 ) appropriate proof of my identity and ( 2 ) a copy of an identity theft report : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$720.00} XXXX XXXX XXXX XXXX -Equifax : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX TN XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$720.00}. You have 4 business days to remove these items from my credit file. I do not consent to E-OSCAR or any automated verification methods. I expect your immediate attention to this matter and a response within 4 business days.
Consumer complaint received 2024-06-21
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 formally dispute and contest the accuracy of certain accounts listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. These inaccuracies, specifically late payments, do not reflect my financial behavior or history accurately. I have taken proactive measures to address these discrepancies by contacting the respective banks associated with these accounts. I am pleased to inform you that after thorough investigation, these banks have acknowledged the errors and have agreed to update my accounts and remove the late payments. Furthermore, I would like to bring to your attention that other credit bureaus have already updated these accounts on their records. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
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. 


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
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

My credit appears to have been compromised, as I noticed several items on my report that were opened without my permission. Under section 605B of the FCRA, you are legally required to remove items resulting from false credit reporting. The disputed items are unknown to me, and I have attached the necessary FTC Report for your reference. Please remove these items immediately. If there is any chance these items belong to me, I need all documentation bearing my signature. According to my research, you must verify that each item is 100 % true, accurate, correct, complete, and verifiable. If you can not provide these records and still claim the items are verified, I will pursue legal action. I take this matter seriously, and so does my attorney. Comply with the law to resolve this matter swiftly. Remove the disputed items that were opened without my consent or knowledge, pursuant to Section 605B of the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed  : {$140.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance Owed : {$1900.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXXXXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$1900.00} XXXX  XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2800.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-21
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-21
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)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX & XXXX XXXX - Late Payment XXXX XXXX XXXX XXXX XXXX Charge-Off XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-06-21
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 is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year>
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

This is the third day in a row since I have been denied access to my full credit report. I called today at XXXX XXXX XXXX  and talked to XXXX, All of sudden, I was able to provide my identity another way, then previous times. She asked me questions instead of asking to take a picture of my id, front and back and self. When I asked about getting access to my portal. She was able to change it to my current address but I still have limited access to my credit file, I am not able to look at my full report from Equifax or any third party company. The address that I keep telling them about is on my credit report. At this point Equifax continues to play in my face and think I do not know my rights under the FCRA, they continue to do unethical things, that's affecting my well being, as it concerns my credit profile. This has been three days in a row that I have dealt with Equifax. and they still have not explained, why they decided to denied me access to my credit file after I spoked to them. I'm still not able to dispute my report properly due to the unfairness that Equifax continue to do.
Consumer complaint received 2024-06-21
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)

I am initiating a dispute and investigation because these accounts are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am owed {$1000.00} for each error. FCRA 605B stipulates that any inaccurate accounts on a consumer 's report must be reported.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
EQUIFAX MORTGAGE SER XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> EQUIFAX MORTGAGE SER XX/XX/year>
Consumer complaint received 2024-06-21
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. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX XXXX EDFINANCIAL XXXX EDFINANCIAL XXXX
Consumer complaint received 2024-06-21
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)

I recently discovered that I have been a victim of identity theft, as reviewed a copy of my credit report. I found numerous accounts and inquiries on my credit report that were not open by me. The injustice I face today stems from the failure of Equifax to inform me that. my data was compromised during the Equifax data breach. This breach exposed my personal information and led to numerous fraudulent accounts and inquiries being added. This hurts me as I am in the process of getting a home for. my family. XXXX negligence is hurting me has signicantly impacted my life as a XXXX XXXX XXXX XXXX XXXX. Please remove the fraudulent accounts and. inquiries from. my credit report as soon as possible. In accordance with the FCRA, sections 611 ( 15 U.S.C. 1681i ) regarding the correction of errors and sections 623 ( 15 U.S.C. 1681s-2 ) concerning this I demand immediate action to remove of the fraudulent accounts from my credit report. ( See Attachments ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-21
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 is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am initiating a dispute and investigation because these accounts are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am owed {$1000.00} for each error. FCRA 605B stipulates that any inaccurate accounts on a consumer 's report must be reported.
Consumer complaint received 2024-06-21
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>