davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer 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 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I have requested multiple times the unacquires be removed of my credit profile. This issue has limited my ability to seek employment, obtain credit, and I am not able to get loan and credit that qualifies to my personals because of this issue
Consumer complaint received 2019-12-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pressler & Pressler, LLP (NJ)

Today, XX/XX/19, I received a letter in the mail stating that I had been sued and judgment had occurred. Not to mention stating that I will be arrested and incarcerated if I do not fill out the information subpoena. From what I understand, the law firm of Presser, Felt & Warshaw, formerly known as Pressler & Pressler, prefer to use unfair tactics when it comes to debt collections. No summons was received neither from them nor the court. Not by regular mail or certified mail either. No communication from their side, even if you call, you're placed on hold and then hung up on. You can't attend a hearing if you are unaware it is taking place, nor can you come up with a payment plan if the other party is unwilling to corporate and have proper communication. I have worked with other debt collector law firms, worked out payment plans, so I'm aware of my rights as a consumer and as someone in debt.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NE)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX
Consumer complaint received 2024-09-09
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)

I'm sending this complaint to inform AGAIN to the XXXX credit bureaus that I was a victim of Identity Theft. It seems the XXXX credit bureaus doesn't care at all that I want to dispute unauthorized items that are reportedon my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX KINGS XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX BANK XXXX Balance : {$0.00}, XXXX BANK XXXX XXXX : {$0.00}
Consumer complaint received 2024-09-09
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. (VA)

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

I have submitted a prior complaint concerning an inaccurate collection report on My credit. 

The Accout NAME : XXXX XXXX XXXX XXXX XXXXXXXX Below is a picture of the cancelation of the debt from the original creditor.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Equifax Confirmation # XXXX XX/XX/2021 Equifax did not send a complete credit report only 3 of 6 in which I did not ask Equifax to delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I ask Equifax to delete the added same address created by Equifax as duplicate address that was not right meaning no APT Number or letter not the address they added on the file not corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX! XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX is an address where my mail goes when I'm contracted for work in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is still my primary address Equifax needs to provide proof that XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is former address by documented proof. 

XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX is not my primary address only mail goes there Equifax needs to provide document proving I own or rent that house by documented proof Equifax needs to stop adding address of no valid proof documented or proof of home mortgage from the creditor Equifax stated on page 3 of 6 no Employments reporting thats Equifax issues I been on same job for last 6 to 12 years with same employee My issue is Equifax delete info of employment but on another file say they verified employment on the date listed Equifax is only in business sell info and get money out consumers Equifax needs to stop creating false info and then telling consumers to go to there web site to pay them I would never go to Equifax web site and give them no info to gather and then recreate false info by so many errors of residence employment address error after error I have also filed at US attorney office and DOJ of the major issues I have credit reports going back last 3 years of proof of errors added address phone numbers employment in which was filed on as error after error and added by Equifax then complaint added then they remove it. created on one address 6 times with different settings of the same address XXXX XXXX XXXX XXXX XXXX NV please provide proof of the said address by documents i Live there at the said address other than mail going to the address.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Subject : Complaint Regarding Inaccurate Information on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account I am filing a complaint against XXXX, Equifax, and XXXX due to inaccurate information reported on my credit reports regarding an account froXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Below are the details of the discrepancies : 1. Account Number Discrepancies : Equifax is reporting a different account number for this account than what is shown in XXXX and XXXX reports. 
2. Account Open Date Discrepancies : XXXX reports a different account open date compared to Equifax and XXXX. 
3. Late Payment Reporting Discrepancies : XXXX reports four late payments, while XXXX and Equifax report five for the same account. 
These discrepancies are violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681 ( a ) ( b ), which requires credit reporting agencies to ensure maximum accuracy. Under 15 USC 1681n, each willful violation is subject to a {$500.00} fine. Additionally, 15 USC 1681o holds agencies liable for negligent noncompliance, and 15 USC 1681s-2 outlines the duties of furnishers to provide accurate information. These inaccuracies also breach the Privacy Act of 1974 ( 5 USC 552 ( a ) ( e ) ( iii ) ), which mandates compliance with U.S. laws regarding consumer credit information.

I request that the CFPB investigate these inaccuracies and ensure the immediate removal of this incorrect trade line from my reports with all three bureaus. I also request enforcement of fines of at least {$500.00} per violation, totaling {$1500.00} for the three violations noted.

Please provide a response detailing the actions taken to correct these issues.
Consumer complaint received 2024-09-06
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)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2021-12-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (PA)

Dear Sir or Madam, I do have a record of all email conversations with the Company Coinbase. 
XXXX XXXX 2021 XXXX was moved from my Bank XXXX XXXX checking account to Coinbase for a purchase of virtual currency Coinbase has this as an XX/XX/XXXX transaction.. 
-I informed Coinbase that I do not wish the transaction it turns out that the transaction as well as an earlier XX/XX/2021 transaction.was an automatic weekly withdraw they claimed I set up. 
-I have no recollection of this. There is no record my initiating automatic withdraws on my account at Coinbase.com. 
XXXX requested a refund for the XX/XX/2021 transaction and received an email that reclamation of funds was in process then on XX/XX/2021 received an email stating that their recovery of funds was complete. They stated my transaction was a failed transaction. 
-Yet my {$1000.00} was not in my checking account nor in my Coinbase account. I inquired about this to their support and would receive emails stating give them two weeks s few days later I would receive an email stating we hope you are satisfied with our action no explanation no action taken. This happened numerous times. 
-Finally I learned of their service for customers unsatisfied with their support team they were a little better and explained that the funds recovery were for funds they deposited while awaiting my funds to arrive.

-They also said in another email that my bank reversed the transaction and they never received my funds. After discussing with Bank XXXX XXXX they assured me that the funds were sent to Coinbase and the transaction was not reversed.

When I informed Coinbase of this they stated to send them the bank statement I did send the statement along with my XXXX showing the funds were sent to them and no reversal of the transaction. 
-Coinbase then sent me an email stating the funds were applied to my Coinbase account. I then requested my {$1000.00} that was still missing with their own words stating they applied the money to my account and received an email stating they hope I was happy with their service and they were closing my case. 
I requested to talk by phone Coinbase stated they do not make outbound calls as frustrating as my money missing perhaps equally frustrating is their insistence on not discussing matters by phone. This has only resulted in a frustrating email stating we hope you are happy or satisfied or something along those lines and closing the case while doing nothing.
Consumer complaint received 2024-09-12
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. (WV)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (GA)

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 Polaris 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 XXXX5 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 listed IMMEDIATELY.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (VA)

I tried filling out a travel notice before my trip to XXXX, but was told on their website that they don't do that because of their superior fraud detection capabilities. 

I was in XXXX trying to make purchases for domestic flights within XXXX for {$250.00}. During the checkout process, Wells Fargo said we sent a code to your [ US ] phone number due to their superior fraud detection capabilities. Since I was abroad, I didn't have access to my US phone number. I had to use another card from a bank where I was able to issue a travel notice.

I contacted customer support and was basically told " too bad '' and they provided me no way to get around the text code for future purchases abroad.
Consumer complaint received 2024-09-06
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)

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-09-12
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. (PA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-09-12
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: Experian Information Solutions Inc. (MD)

I have made repeated efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report, but the problem persists. These unauthorized entries have significantly disrupted my life, causing substantial stress. I want to reaffirm that I never gave permission for this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2024-09-12
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. (PA)

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 2024-09-12
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. (TX)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, XXXX XXXX XXXX used an intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. XXXX XXXX reported nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. these fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.