davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Dear Equifax and CFPB, I am writing to bring to your immediate attention the misleading, outdated, unverified, and inaccurate information reported on my credit report regarding the account referenced below. This erroneous data is not only damaging my credit profile but is also causing me significant emotional and financial distress. 

**Account Details : ** - **Account Type : ** Installment - **XXXX XXXX : ** XXXX - **Account Status : ** Derogatory - **Monthly Payment : ** {$0.00} - **Date Opened : ** XX/XX/XXXX - **Balance : ** {$5800.00} - **Payment Status : ** Collection/Charge-off - **Last Reported : ** XX/XX/XXXX The inaccuracies are evident. The account status is flagged as " Derogatory, '' yet the balance and payment history are outdated and misrepresented. There are also discrepancies in the reported amounts and dates that do not align with my records. As a consumer, I have the right to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. 

Additionally, 15 U.S.C. 1681i provides me the right to dispute incomplete or inaccurate information, obligating you to investigate and correct these discrepancies within a reasonable timeframe. Given the nature of these inaccuracies, I kindly request the immediate blocking and deletion of this account from my credit report. The presence of this misleading information is not only a violation of my consumer rights but also a defamation of my character, impacting my ability to secure credit and financial opportunities. 

I urge both Equifax and the CFPB to take this matter seriously and to act swiftly. I expect a prompt resolution to this issue and will not hesitate to escalate my complaint if necessary. 

Thank you for your immediate attention to this critical matter. I look forward to your prompt response confirming the actions taken to rectify these inaccuracies. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-24
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. (PA)

I am writing to raise concerns about several issues I have experienced with the credit bureau. These include incorrect account listings, multiple unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and the presence of accounts that do not belong to me.
Consumer complaint received 2024-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-09-14
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. (PR)

I recently reviewed my credit report and identified several fraudulent accounts. I did not open these accounts, and they do not belong to me. These unauthorized accounts are negatively impacting my credit rating and my ability to obtain credit. 

XXXX XXXX XXXX Date fraud began : XXXXXX/XX/XXXX Date that I discovered it : XXXXXX/XX/XXXX Total fraudulent amount : {$270.00} XXXX  XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXXXXXX  Total fraudulent amount : {$330.00} XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$190.00} PerPay Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$1300.00} XXXX XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XXXXXX/XX/XXXX Total fraudulent amount : {$460.00}
Consumer complaint received 2024-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NM)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute of Charge-Off for XXXX XXXX XXXX XXXX Account # XXXX I am writing to formally dispute the continued reportin of a charge-off on my credit report for XXXX XXXX XXXX XXXX account # XXXX. This charge-off has been converted into taxable income and is no longer a valid outstanding debt. Therefore, it should not be reported as such on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate, verifiable, and up-to-date. Specifically, under 15 U.S. Code 1681i, if information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or removed from the credit report.

Since the charge-off has been converted to taxable income, it no longer represents a debt owed and therefore should not be classified as such in my credit report. Additionally, this change alters the nature of the account and its reporting under current credit reporting laws, as the amount reported is no longer a liability but an income item that has been recognized by the IRS for tax purposes. 

I respectfully request that you promptly remove this charge-off from my credit report, as it is no longer applicable and reporting it as such is both inaccurate and misleading. 

Please investigate this matter in accordance with the FCRA and provide written confirmation of the removal or any necessary action taken regarding this account. 

Thank you for your time and attention to this matter. I look forward to your prompt resolution.
Consumer complaint received 2024-09-20
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. (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 XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  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 2024-09-14
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. (IL)

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 # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX These two have violated my rights 15 ISC 1681 Section 602a, stated I have a rights to my privacy 15 USC Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 items of information other than records of conviction and crimes ante dates the report by 7 years.

15 USC 1861s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or have reasonable cause
Consumer complaint received 2024-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Over the past two years, my credit rating has dropped XXXX points due to a poor rating from XXXX XXXX XXXX, now XXXX. In XXXX, during the XXXX pandemic, when my student loan payments were suspended by the federal government, XXXX reported the following monthly payment to XXXX, TransUnion and XXXX as late/deliquent : XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. To correct this error, I contacted Navient/Aidvantage by phone XXXX XXXX, XXXX to have the incorrect information remove. I was informed by a XXXX representative that I had to contact the XXXX credit bureaus, as XXXX took no responsibility for the misinformation. Therefore, on XXXX XXXX, XXXX, I filed online credit report complaints with XXXX, TransUnion and XXXX. About 5 days later, the XXXX credit bureaus informed me by email that the erroneous information would not be removed because it was reported to the bureaus by XXXX. Therefore, I was instructed to contact XXXX to have the incorrect information removed. However, as stated previously, I had already contacted XXXX before filing online complaints with the XXXX credit bureau. Essentially, the XXXX credit bureaus and XXXX are not taking responsibility for the incorrect information that dropped my credit rating.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was stunned to find inaccurate accounts on my credit report this morning, and I honestly have no clue how they got there. When I checked my report like I always do, these discrepancies just appeared out of the blue. I even refreshed my browser, hoping it was a simple glitch, but unfortunately, that didnt fix it. The errors stayed, and now XXXX left incredibly worried. Please ensure the documents Ive submitted are thoroughly reviewed so I can finally have peace of mind.
Consumer complaint received 2024-09-14
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. (CA)

I am writing to formally dispute certain inaccuracies in my credit report and to address issues related to the timing of my payments under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
XXXX. Dispute of Credit Reporting 15 USC 1681 ( A ) ( 2 ) Under 15 USC ( A ) ( 2 ), I have the right to dispute information that I believe is inaccurate or incomplete. I have reviewed my credit report and found the following discrepancies : Account XXXXXXXX XXXX : Dates : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Equifax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Date of Last Activity Inaccurate XXXXXXXX XXXX XXXX  Last Activity Inaccurate XX/XX/XXXX Equifax Last Activity Inaccurate XX/XX/XXXX Amounts XXXX  I am requesting the removal of late payments of inaccuracies...
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Incorrect Reporting Date : The payment reported as late for XX/XX/XXXX and XX/XX/XXXX was made within the grace period and should not have been reported as 60 days late. 
Clerical Error : There appears to have been a clerical error where the payment was misapplied or not recorded accurately by XXXX XXXX. 

I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payments were made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (VA)

I am writing to file a formal complaint against Best Buy regarding their unauthorized and illegal reporting of my consumer account, specifically violating The Fair Credit Reporting Act and The Privacy Act of 1974.

Regarding Best Buy, per the FCRA, as a Federally protected consumer, I am now opting out of all authorization, I the consumer, may have given them, written, unwritten, verbal, and nonverbal Per 15 USC 6802. Under 16 CFR 313.7 ( f ) Form of opt out notice to consumers ; opt out methods. Continuing right to opt out. A consumer may exercise the right to opt out at ANY time. 
On or about XX/XX/XXXX, I mailed a Billing Dispute Letter per 15 USC 1666 Correction of billing errors, to Best Buy, in regards to concerns, I the consumer, had at that point in time. Best Buy did not respond in writing to my request or concerns, as instructed by our consumer laws, yet they continued to bill me late fees and proceeded to furnish derogatory remarks to my credit report. According to, Regulation of Credit Reports, 15 USC 1666a ; The creditor can not take any adverse action against me in the form of negative credit reporting once I have notified them of my billing error dispute. 
In accordance with 15 USC 1681b ( 2 ) Best Buy can not furnish to my report without the written instructions of the consumer to whom it relates.

Per 15 USC 6801 Protection of nonpublic personal information. It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. 
Under 15 USC 6802 Obligations with respect to disclosures of personal information. The creditors must not disclose my information unless they give me an explanation of how I can exercise a nondisclosure option. Best Buy failed to do so. This action by Best Buy is a clear violation of my consumer rights. They have egregiously disregarded these regulations by reporting transaction histories to consumer reporting agencies without obtaining my explicit consent, thereby breaching the privacy rights guaranteed under Congress and The Fair Credit Reporting Act.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-14
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 seeking your help regarding the misleading account on my credit report. The harm to my reputation is significant, and I urgently need your intervention. Your handling of this has caused immense damage, and this incorrect data must be removed from my report immediately.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Account was charged off XXXX XXXX XXXX and I was advised by the company after 7 years the account will be dropped from my credit report on all 3 bureaus. As of XX/XX/XXXX this is still sitting on my credit report. I have filled multiple disputes with the company except harassing calls and them updating my balance every 3 months to keep this on my report. I informed them the account is a charge off and has been for over 7 years and would like this removed immediately from my credit they have yet to do so. I am requesting that this old account be removed from my credit due to it is causing issues with my husband and I buying a house. They call numerous times a day still wanting me to pay for a old charge off that during a extremely rough economy I can not just give the amount they are requesting
Consumer complaint received 2024-09-14
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. (LA)

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 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 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

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.