davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX and someone was using my social security number and my dated of birth with a different first name to open accounts and when XXXX XXXX XXXX XXXX XXXX I tried to get a place to stay and found out that someone had identity theft using my information I sent each of the credit reporting agencies a copy of the identity theft report with my ID and my social security number and the only credit reporting agency that would not fix the information is Equifax. I have received the green card from the post office stating that the signed for the information on XX/XX/year> and they keep stating that they never received the information and that they will not correct the information nor will they remove the accounts that are fraud from my credit report. I have tried to work with them and have requested that they allow me to speak with someone in the USA and they keep telling me that I am not allowed and that they will not help me at all. One person stated even if they receive the information they will not help me because I should have not done something XXXX XXXX XXXX XXXX XXXX  and that it my own fault and then they hung up on me.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccurate information in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

On XX/XX/XXXX, I filed complaint # XXXX - XXXX with the CFPB against Equifax. 

Equifax did not respond until XX/XX/XXXX, far longer than the 30 days required by the FCRA. Their failure to respond timely was a violation of my rights under the FCRA. I find it telling that they routinely choose not to respond timely, even when to a formal complaint registered by the CFPB. 

In their late response, I was finally relieved to read they had deleted the inaccurate report from " XXXX XXXX XXXX XXXX' I have attached a screen shot of their response to the CFPB where they wrote : " Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED '' You can also review that response from Equifax in complaint # XXXX - XXXX. 

I promptly logged into my Equifax account to confirm the Trade had been deleted as represented to the CFPD and me. 

IT WAS NOT DELETEDas represented. 

EQUIFAX ONCE AGAIN LIED. 

I find it very disturbing that Equifax will deliberately mislead the CFPB in order to falsely represent account deletion so that it can close a case falsely with the CFPB. This is part of their ongoing scheme to violate the FCRA and deprive Consumer of their rights. I don't want to sound extremist, but they are clearly engaged in an ongoing conspiracy. 

The fact they do this so willfully and often, even to the CFPB should be highly suspicious to the CFPB and the FTC. 

This illegal conspiracy is unacceptable and must be investigated by the CFPB and the FTC. It is inexcusable. It is willful. It is intended to harm consumers while protecting the profits of Equifax in direct conspiracy with their paying partners and clients. 

The evidence is clear. Equifax has again fraudulently represented they deleted this account knowing they had not. 

Yet they have manipulated their systems to provide plausible deniability so they can later claim " systematic issues. '' Equifax is well aware of my ongoing complaints against them at the highest level. And they continue to discriminate against me, violate my rights, and VIOLATE FEDERAL LAW. 

Their actions now rise well beyond mere error or negligence. Their actions are WILLFUL, MALICIOUS, and FRAUDULENT. 

The CFPB and the FTC must open a formal investigation into their Fraud Schemes.
Consumer complaint received 2024-07-10
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. (TX)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-07-10
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 reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/year> AND XX/XX/year>. 

I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-07-10
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. (PA)

I am writing to demand immediate resolution to my previous letter concerning the inaccuracies on my credit report under the Fair Credit Reporting Act ( FCRA ) 611. Despite my clear request for an investigation into the following accounts, I have not received a satisfactory resolution.
Consumer complaint received 2024-07-11
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)

To whom this may concern, my name is XXXX XXXX XXXX XXXX and I've decided to write this statement on my own behalf. Per 15 USC Code 1681- 2 ( a ) ( 1 ) ( a ) & ( c ) and 15 USC Code 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not reflect on my credit reports as they violate my rights as a federally protected consumer. According to the federal codes listed above, they summarize that it is NONPERMISSIBLE for a consumer to report anything under any circumstances, without my legal and written consent or instructions. No consent constitutes identity theft and fraud. As a federally protected consumer, I am exercising my rights and demanding the removal of all the listed accounts mentioned in this report immediately.
Consumer complaint received 2024-07-10
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 reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/2024 and XX/XX/2024 I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-07-11
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if Ill survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.
Consumer complaint received 2024-07-10
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. (GA)

I am writing to follow up on a previous dispute regarding an unauthorized hard inquiry on my credit report. Despite my initial request, this inquiry has not been removed. XXXX and XXXX have successfully removed the inquiries I disputed with them, and I am seeking your assistance to ensure you do the same.
Consumer complaint received 2023-07-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have reported to all three credit bureaus, XXXX XXXX, XXXX, and Experian that this account is over seven years old. This account should have been deleted as of XX/XX/1923 ones. Ive contacted all of the credit bureaus inquiring on the deletion of this account at that point target made the account a collection.
Consumer complaint received 2024-07-10
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)

To whom this may concern, my name is XXXX XXXX and I am writing this statement on my own behalf. Per 15USC Code 1681S02 ( a ) ( 1 ) ( a ( & ( c ) of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not be reflecting on my consumer credit reports s they violate my rights as a federally protected consumer. Per the US Codes provides, they summarize that is is NO-Permissible for a consumer to report anything under any circumstances, without my written consent or instructions to do so. No consent constitutes as identity theft. As a federally protected consumer, i am demanding the deletion and removal of ALL the accounts listed in this report immediately.
Consumer complaint received 2024-07-10
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. (MA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-07-10
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)

XXXX  XXXX - XXXX : This account has never been late. I have demanded proof of statements under 1666b billing error. Nothing has been provided. I demand this account be updated to never late. 

XXXX XXXX - XXXX : This account has never been late. I have demanded proof of statements under 1666b billing error. Nothing has been provided. I demand this account be updated to never late. 

XXXX  - XXXX : This collection is reporting as an account. There should be no payment history for a collection account. This needs to be deleted immediately. 

XXXX - XXXX : No methods of validation have been provided for this collection. Please provide proof or delete immediately! 

XXXX XXXX XXXX - XXXX : Both XXXX and XXXX have deleted this erroneous account. Delete this immediately! 

XXXX XXXX XXXX - XXXX : This is not mine. I have asked for validation and nothing has been provided. Delete this immediately. 

XXXX XXXX - XXXX : This is not mine. I have asked for validation and nothing has been provided. Delete this immediately.
Consumer complaint received 2024-07-10
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. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-10
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)

To whom this may concern, my name is XXXX XXXX XXXX XXXX and I've decided to write this statement on my behalf. Per 15 USC Code 1681-2 ( a ) ( a ) ( a ) & ( c ) and 15 USC Code 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not be reflected on my credit reports as they violate my rights as a federally protected consumer. According to the Federal Codes listed above, they summarize that it is NONPERMISSIBLE for a consumer to report anything under any circumstances, without my written consent or instructions. No consent constitutes identity theft. As a federally protected consumer, I am exercising my rights and I am demanding the deletion and removal of ALL the listed accounts mentioned IMMEDIATELY! Additional Unauthorized Hard Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

On today, XX/XX/XXXX, I received the notification from Equifax credit report stating that XXXX reported My Account status XXXX within XXXX days. 

I called XXXX XXXX customer service department and spoke to representative XXXX on XX/XX/year> at XXXX XXXX and confirmed the The last reporting status was on XX/XX/XXXX showing the balance of {$15.00} and that they did not send Equifax an additional notification for XXXX. The representative confirmed that they ONLY report to Credit REPORTS once a month based on the customer bill cycle. 
I confirmed that my billing cycle is the XXXX of each month. Therefore another credit reporting should not report until XX/XX/XXXX!! The representative stated that this appears to be an error with Equifax however Equifax receives information from the creditor. 

There seems to be an error on both sides and it needs to be corrected immediately. My credit card balance should not be getting reported XXXX  within a XXXX  day timeframe. I checked my other credit reports and it is showing correctly. 

My Equifax credit report should reflect my billing statement! 

Please view attached documents.
Consumer complaint received 2024-09-02
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. (TX)

Trans Union has disputed my XXXX account that initially had a XXXX balance. I have the XXXX documents i can provide that show I paid there one-time reduced settlement amount of {$730.00} XXXX XXXX if you look halfway down the page on the XXXXXXXX XXXX XXXXXXXX I was sent. Account XXXX in question is XXXX last XXXX of original account # is XXXXTrans union and XXXX are illegally reporting unfair credit reporting info violating several fair reporting credit laws. So Trans Union and XXXX should both be equally responsible for brushing this paperwork under the rug now 2 times. I have proof of the settlement paper showing pay {$730.00} and I would be cleared of any more financial obligation. The XXXX document i sent to trans union is the closing disclosure on a property that shows XXXX RECIEVED THE SETTLEMNT amount of {$730.00} on XX/XX/year> from me thru XXXX XXXX XXXX Title file XXXX for this proof of payment is file # XXXX XXXX XXXX. University title contact info is XXXX XXXX XXXX XXXX XXXX, XXXX  Tx XXXX Phone XXXX XXXXXXXX reporting the fraudulent information is c/o XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SOUTH CAROLINA XXXXXXXX XXXX XXXX XXXX XXXX is equally responsible for this illegal fraudulent reporting of XXXX percent of wrong deliberate info to hurt and defame my report and myself!!! Please Punish both agencies for deliberately trying to hurt my Credit score and report and hurt my chances of getting any credit at all!! 
Please get back to me by email when the investigation is complete. If you simply just call the title company and give this file number that closed on XX/XX/year> you will have confirmation that XXXX WAS MUTUALLY XXXX PERCENT SETTLED ON ALL SIDES. 

XXXX XXXX XXXX
Consumer complaint received 2024-07-10
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. (NM)

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 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-07-10
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)

ON XXXX XXXX took a look at my credit report and saw some accounts that had no consent to open the line of credit. Sent documents to Equifax, XXXX, XXXX. Never received any mail or any updates from EQUIFAX CREDIT BUEARU. XXXX, XXXX XXXX. XXXX XXXX