davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
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. (NC)

Dear XXXX Customer Service, I'm writing to address an ongoing issue with my account ending in XXXX, which seems to be a persistent problem despite previous efforts to resolve it. On XX/XX/XXXX, your automated system erroneously sent charge-off information to XXXX. This action overrode my previous removal of the charge-off on XX/XX/XXXX. This issue has been recurring since XX/XX/XXXX. In your letter dated XX/XX/XXXX, you acknowledged that the balance in question was solely due to fees assessed on a previously XXXX balance account. Consequently, you reversed the charge-off and requested the removal of delinquencies from my credit file. Despite this, the charge-off information continues to be incorrectly reported. There appears to be a clear disconnect in communication between departments within your organization. The recurring nature of this issue suggests that your automated systems are not aligned with the manual corrections previously made. This inconsistency is causing significant frustration and undue stress. To rectify this situation, I urge you to take immediate action. Please ensure that the charge-off is permanently removed from my account and credit file, and prevent any further incorrect reporting. It might be necessary for someone to get in touch with the appropriate department to coordinate this fix, rather than relying solely on automated processes. Humans need to talk face-to-face, via XXXX, or on the phone to resolve complex issues like this. XXXX systems are clearly failing to address this ongoing problem effectively. I strongly suggest that a dedicated representative from your team take the initiative to personally go to the other department and ensure that this issue is resolved. It is imperative that a dedicated person takes ownership of this problem and communicates directly with the relevant department to prevent further errors. I've taken steps to resolve this on my own by contacting XXXX directly, but it is your responsibility to ensure the accuracy of the information you report. If this matter is not promptly resolved, I will not hesitate to start a class action lawsuit. I am likely not the only person experiencing this issue, and a class action XXXX be necessary to ensure that this problem is addressed for all affected customers. I expect a prompt resolution to this matter and confirmation that the charge-off has been permanently removed from my credit history.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

" These furnishers continue reporting false, inaccurate information on my credit report. XXXX, XXXX and Equifax continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 ( a ) and XXXX XXXX ( a ) ( XXXX ) : Duties After Notice of Dispute from XXXX. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- XXXX XXXX XXXX ( a ) ( XXXX ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. " XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-23
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)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have sent dispute requests to XXXX, Equifax and XXXX regarding the following account number : XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus.
Consumer complaint received 2024-07-23
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-23
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 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 2024-08-30
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. (FL)

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

XXXX XXXX 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 2024-08-30
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. (GA)

In accordance with the fair credit reporting act convergent XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section 604 SECTION 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-08-30
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. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-30
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: Experian Information Solutions Inc. (PA)

My credit report is showing multiple unauthorized inquiries from these companies, XXXX  XXXX on XXXX. XXXX  on XXXX. XXXX XXXX  on XXXX. XXXX on XXXX. XXXX XXXX XXXX XXXX on XXXX. These UNAUTHORIZED inquiries have affected my credit profile and is affecting me from using my credit. Under FCRA specifically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information. Including inquires into my credit report without my explicit permission. Pursuant to 15 USC 1681 section 602 states I have a right to privacy this inquiry needs to be removed immediately.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these are all fraudulent accounts and I need them deleted
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I AM A SERVICEMEMBER FILING A COMPLAINT TODAY BECAUSE I HAVE ASKED THE CREDITOR TO DELETE CREDIT REPORTING INFORMATION DUE TO PAYING OFF THE ACCOUNT IN FULL ALONG WITH EXPRESSING THAT I HAVE A XXXX XXXX IN THE MILITARY THAT I WILL LOSE IF THIS IS NOT DELETED DUE TO IT LOOKING LIKE I AM A RISK AND CAN NOT HANDLE MY FIANANCES, ALTHOUGH I HAVE EXPRESSED THIS CONCERN THEY EMAILED ME AND TOLD ME EVERYTHING ON MY CREDIT REPORT IS REPORTING ACCURATELY WHICH IN DEED IT IS NOT, PLEASE HELP ME GET THIS REMOVED DUE TO ALL INFORMATION I HAVE ATTACHED BELOW TO INCLUDE PAYMENT HISTORY MISSING, ALONG WITH SOME PAYMENT HISTORY SHOWING I AM UP TO DATE ON PAYMENTS, AND ANOTHER REPORT REFLECTING I AM SERIOUSLY DELINQUENT. ALONG WITH INFORMATION MISSING THAT I HAVE HIGHLIGHTED PLEASE HELP ME RESOLVE THIS THANK YOU.
Consumer complaint received 2024-07-23
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-30
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: Experian Information Solutions Inc. (TX)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I demand that the following items be excluded from my consumer report on the basis that is the past the statue of limitation, per Texas Law. 

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 2024-08-30
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)

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 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 shall ( i ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-08-30
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 recently obtained my credit report that was not reported accurately. I had 10 late payments on the account that I infact paid on time. I have automatic payments setup. the consumer reporting agencies need to report all info with complete accuracy. This account has not been late on payments and I even contacted the company and they refunded my late fees and admitting their wrongs but nothing has been updated on my credit. I'm requesting that this account be updated proving that I had late payments, if this information can't be verified with them, I demand that you investigate this and update my credit profile immediately and be marked as paid on time. 

I have attached documents. 

They are stating I was late many months in a row XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

" These furnishers continue reporting false, inaccurate information on my credit report. XXXX, XXXX and Equifax continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense!

- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. " XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TN)

I am writing this complaint because I noticed a debt collection agency called Midland Credit Management Inc reported a tradeline to my credit reports. I was not notified of this alleged debt and was not given the opportunity to dispute the alleged debt. This agency is damaging my reputation by reporting the alleged debt to my consumer report. According to the FDCPA section 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
Consumer complaint received 2024-07-23
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 writing to dispute several accounts on my credit report that I believe are a result of fraud. Please investigate these items as soon as possible and remove them from my credit report. 
Below are the details of the fraudulent accounts : Account name : XXXX XXXX  Date opened : XX/XX/XXXX Total amount : {$470.00} Account name : XXXX XXXX XXXX In Date opened : XX/XX/XXXX Total amount {$0.00} I did not open these accounts or authorize anyone else to open them on my behalf. This is a clear case of identity theft, and I request that these fraudulent entries be removed from my credit report immediately. 

Enclosed with this letter are copies of relevant documents supporting my claim of identity theft. 
Please investigate this matter promptly and provide me with a written confirmation of the actions taken to resolve this dispute. I also request that you provide me with an updated copy of my credit report once these fraudulent accounts have been removed. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the experian 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 personal credit card account opened at XXXX on XXXX under the account number XXXX and XXXX under the account number XXXX and XXXX under the account number XXXX and XXXX under the account number XXXXXXXX XXXX XXXX  under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( private case number ) 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.