davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Under 15 U.S. Code 1681s2 Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the responsibilities of data furnishers under 15 U.S. Code 1681s2, specifically regarding their obligation to provide accurate information.

It has come to my attention that Equifax has reported inaccurate information to XXXX XXXX 's Platform. Despite having actual knowledge of these inaccuracies. As outlined in the law, furnishers of information are prohibited from reporting information if they know or have reasonable cause to believe it is inaccurate. 

I have made several attempts to resolve this issue directly with Equifax. This situation not only affects my creditworthiness but also violates my rights as a consumer. 

I urge the CFPB to hold [ Equifax ] accountable under the provisions of the Fair Credit Reporting Act and to ensure that they are compliant with their responsibilities as data furnishers. Additionally, I would appreciate any guidance on further actions I can take to resolve this matter effectively. 

Thank you for your attention to this important issue. I look forward to your prompt response and assistance. 

Sincerely
Consumer complaint received 2023-11-07
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. (TN)

I sent a letter out on XX/XX/2023 and XX/XX/23 to Experian, and XXXX. However, the credit bureaus said the completed the investigation and everything was % accurate. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-11-07
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. (FL)

I have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

Account /name : XXXX Account Number : XXXX Account /name : XXXX Account Number : XXXX
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

The accounts below are more than XXXX XXXX XXXX and should be deleted. 

XXXX Reported : XXXX. XXXX, 2024 {$1600.00} Needs Attention XXXX Reported : XXXX XXXX, 2024 {$3100.00} Closed
Consumer complaint received 2024-10-27
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. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2023-11-08
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. (NY)

I have XXXX inquires on my credit report that I didn't authorized the creditor to run my credit and I also reach out to the creditor requesting documents of me agreeing to such inquires. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-29
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)

As I was going over my prepped I noticed a few accounts i do not recognize So far none of them has been able to provide such proof to me. I have sent follow- up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone clearly used my information without my authorization. 
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (KY)

On XX/XX/, I purchased a XXXX XXXX XXXX through Amazon on an 18-month equal pay agreement, using the Chase Amazon card associated with my Amazon account . I have been making weekly payments on it, and it should have been paid off by now. It is not. 
Since they do not send me paper bills, and I do not find my bank 's website at all easy to navigate, it took me until last week to find out that the reason it is not paid off is because they have charged me monthly interest in violation of their terms and conditions of the purchase. 
I tried to contact Amazon, and they disclaim all responsibility, saying it was up to the seller, XXXX XXXX, to initiate these terms and conditions. XXXX XXXX does not reply to any attempts to contact them. Chase Bank and Amazon both say I was never enrolled in such a program. Interestingly, I have their Terms and Conditions which say I was. 
Chase Bank provided me with the phone number for Amazon 's customer service, which Amazon refused to give me. They say I would have had to have fixed this in XXXX XXXX, before I even had an opportunity to know what was happening, and since I didn't, there is no agreement. 
I complained to the XXXX more than a week ago, and they have not responded. 
Meanwhile, Chase Bank and Amazon have stolen a couple of hundred dollars from me by refusing to comply with the terms and conditions of their agreement.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

In XXXX, XXXX, XXXX, and XXXX, I discovered XXXX, XXXX XXXX, Equifax, XXXX XXXX, etc. breached my trust selling personal, sensitive, and credit information to foreign entities damaging my credit history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. US Code 1028 ( a ) reports information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. Also, on XX/XX/XXXX, XXXX of XXXX XXXX XXXX reported ( XXXX ) accounts originally from with XXXX  XXXX, last reported properly on XX/XX/XXXX, yet, the Credit Reporting Bureaus listed above have not properly reported CURRENT information with a higher credit score. 

It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine.
Consumer complaint received 2024-09-22
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-09-09
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: VYSTAR CREDIT UNION (FL)

Vystar Credit Union is illegally charging fee, overcharging fees and double dipping on regular payments each month on a Line of credit account in my name. There are several months were I was charged and regular payments deducted from my checking by Vystar without my consent, twice in one month and charged late payments as well and exuberant finance charges again all in one month. Vystar Credit unions are illegally taking advantage of their customers especially those that are elderly.
Consumer complaint received 2024-09-22
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. (TX)

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 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 XXXX 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 2023-11-07
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. (IL)

To Whom It May Concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letter for the information that needs to be re-investigated. 

1. Identity Theft XXXX Account XXXX : xxxx This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 


The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX
Consumer complaint received 2023-11-07
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. (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 Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a 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 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WY)

Consumer name : XXXX XXXX XXXX consumer dob : XX/XX/XXXX consumer social security # XXXX I am victim Of idenity theft and fraud/date breach and am attaching an FTC report # XXXX as proof.I have disputed this account with XXXX XXXX and equifax and have submitted an FTC report with each Complaint.Account name : XXXX XXXX account # XXXX opened on XX/XX/XXXX with a balance of {$63.00} according to the fcra 15usc1681 c-2 I am demanding that within 4 business days of receiving this complaint to block/delete this account from my consumer reports.
Consumer complaint received 2023-11-08
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. (NY)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (MO)

I received a letter from Aidvantage about setting up an automatic withdraw for my student loans. I was granted the full teacher loan forgiveness {$17000.00}. In I believe XXXX. I followed all the guidelines to consolidated and make specified payments. The remaining amount of my loans had been forgive with the teacher loan forgiveness. I have not make a payment towards my student loans since XXXX since they had been forgiven. I have tried on multiple occasions to contact Aidvantage. I have sat on the phone for up to hour waiting. I have tried to call weekly since I received the letter since XXXX. I still have yet to talk with anyone. I have emailed a few times. I finally received an email back on XX/XX/XXXX. I emailed back because the dollar amounts they reported were not correct based on what was originally reported from my XXXX service account. I contact XXXX service and they too were unsure of how the outstanding balance it still there. They said they would send a complaint and suggested that I do so as well. I have continues to try to call Aidvantage and still not luck. I am now 2 months behind on payment and getting nervous about my credit. However, I do not want to make payments as this balance should not still exist. I looked on the internet to see what other options I have. It was recommended to file a complaint through CFPB. I am still in contact with XXXX XXXX and they said they intend to move the complaint forward as well.
Consumer complaint received 2023-11-07
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. (IL)

I would like to reach out to your agency concerning the inaccuracies and errors I've found on my credit report. There were discrepancies of information across the XXXX credit bureaus ' reports. I'd like them to correct these errors and have it Update to a Current Status.
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (AZ)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and XXXX 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 collections account opened at account SEQUIUM ASSET SOLUTIONS , LLC on XX/XX/year> with a balance of {$1100.00} that appears related to the aforementioned personal loan account at unknown, a collections account opened at XXXX XXXX XXXX on XXXX XXXX with a balance of {$7000.00} that appears related to the aforementioned rental of apartment or house account opened at XXXX XXXX XXXX, another collections account opened at FAIR COLLECTIONS AND OUT on XX/XX/year> with a balance of {$3500.00} that appears related to the aforementioned rental of apartment or house account opened at XXXX at XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-11-07
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. (NJ)

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. XXXX XXXX XXXX XXXX