davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
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. (NY)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 



Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Consumer complaint received 2024-07-26
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)

You were notified in a letter dated XX/XX/year>, that there were XXXX accounts on my credit report that list the Department XXXX XXXX as the creditor, but I have not had anything in collections. Also, how are you reporting these accounts without an open date? This is a violation of the FCRA. Furthermore, you are reporting these accounts as collections, but there are no original creditors listed in order to verify this debt. XXXX and XXXX have since deleted these accounts. I am currently pending litigation seeking relief and monetary compensation under FCRA 15 U.S. Code 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), and 15 U.S. Code 1692k ( Civil liability ). Enclosed with this letter is the true bill documenting the violation of the XXXX accounts. Remove the following accounts from my credit report : XXXX, XXXX, XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, I am writing to formally dispute incorrect personal information on my credit reports with XXXX, XXXX, and Equifax. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and fair credit reporting, and the following discrepancies violate these protections : Personal Information on Credit Reports : Name Discrepancies : Reported names : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Correct name : XXXX XXXX XXXX Note : The incorrect names might belong to my father or grandfather, as I am a junior. 
Date of Birth : Reported XXXXXXXX XXXX XXXX Correct DOB : XX/XX/year> Current Address : Reported addresses : Variations of XXXX XXXX XXXX Correct address : XXXX XXXX XXXX, XXXX, GA XXXX Previous Addresses : ( These addresses do not belong to me and may belong to my father or grandfather ) XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, LA XXXX Employers : Reported employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Correct employer : XXXX XXXX The FCRA mandates credit reporting agencies to ensure maximum possible accuracy of the information contained in consumer reports ( 15 U.S.C. 1681e ( b ) ). Moreover, they are required to investigate and correct any inaccuracies within 30 days of receiving a dispute ( 15 U.S.C. 1681i ).

This is my fifth attempt to resolve these inaccuracies, and I am requesting immediate correction to prevent further impact on my credit score and potential financial harm. I urge the CFPB to assist in ensuring the credit reporting agencies comply with the FCRA and rectify these errors promptly. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NM)

I got a car auto loan from this company back in XX/XX/year>. My payments have been on time and I have paid every single time I have needed to pay. Just recently the auto company puts my auto loan on my credit score twice. Its XXXX different companies, but the same exact loan For the exact same amount that I signed for. This has now affected my credit substantially. I have contacted the company, but they are not working fast enough. I am trying to get a rental property and this has affected my credit substantially and I need extra help. On my XXXX XXXX account, they took off both the auto loans which has now dropped my credit score XXXX points in the span of XXXX weeks. Both auto loans are still on my Equifax account which it has dropped my Equifax account XXXX points. I am not sure why they are affecting the credit bureaus differently, but they are. Like I said, I am trying to get a rental property and now I am not able to do that, I have to put it on hold. Because of my credit score dropping. I need to know what I can do for my next steps because this is not fair and it is causing a lot of stress and distress in my life. I have paid in total {$12000.00} to this company regarding this car loan and not taking this situation seriously is disheartening. If someone could point me in the right direction on getting help and how to get this situation rectified I would appreciate it. Thank you.
Consumer complaint received 2024-07-26
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. (CA)

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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have one XXXX XXXX account. XXXX  is reporting this account to Equifax twice as XXXX different tradeline, XXXX different balance, XXXX different minimum monthly payment, with XXXX different credit utilization that has caused my score to drop significantly while I'm trying to obtain mortgage. 

I reached out to Equifax they said it is an error on the part of the creditor ( XXXX XXXX ) reached out to XXXX XXXX they said they refused to delete the item with effecting bureaus. 
XXXX XXXX  said they need XXXX days to rectify the issue however I'm under contract for a house purchase and unfortunately, I do not have XXXX days Credit score drop may result in mortgage denial or higher interest rates. 
I am a helpless consumer victimized by creditor and credit bureaus. seeking help from regulatory authority
Consumer complaint received 2024-07-26
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. (PA)

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. 
XXXX XXXX Account number XXXX XXXXXXXX XXXX  Account number XXXX XXXX Account number 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 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 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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 XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX xxxxxx XXXX, Dept Of EdXXXX XXXX XXXX, Dept Of Ed XXXX, XXXX XXXX Bank XXXX XXXX, XXXX XXXX Bank XXXX XXXX, Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX 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 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section States : no consumer agency may make any consumer report containing any of the following items of information, Any other adverse items of information, other than records of convictions of crimes which antedates the report by seven or more years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish ay 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 2024-07-26
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)

To Whom It May Concern, After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE!
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

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 2023-10-30
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 a victim of identity Theft. I have accounts opened under my name fraudulently : 1. XXXX XXXX XXXX Opened XXXX XXXX XXXX 2. XXXX XXXX XXXX Accountt # XXXX Opened XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XXXX XXXX XXXX Balance : {$13000.00} Please review and remove these fradulent accounts. 

Thank You!
Consumer complaint received 2023-03-19
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: EQUIFAX, INC. (AR)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the negative information listed on my credit report. The following items are incorrect and require your immediate attention : Personal information- XXXX XXXX - Account Number : This is not my name. Please delete it from my report immediately. 

Personal information- XXXX XXXX - Account Number : This is not my name. Please delete it from my report immediately. 

Personal information - XXXX XXXX - Account Number : This is not my name. Please delete it from my report immediately. 

XXXX XXXX - Account Number : XXXX - I have never paid this account late. Your reporting is completely inaccurate and it is negatively affecting my credit. Please update this account and delete the inaccurate information immediately. 

XXXX XXXX - Account Number : XXXX - Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX XXXX  - Account Number : XXXX - I can not recognize this business. Please investigate and make sure this account belongs to me. If it does not, please delete it from my credit report. 

XXXX  XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX  XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX XXXX  - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX - I can not recognize this business. Please investigate and make sure this account belongs to me. If it does not, please delete it from my credit report. 

I request that you investigate and correct these inaccuracies as soon as possible. Please send me a written confirmation of the actions you take in response to this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-26
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)

I reviewed my consumer reports and noticed I had five late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included on the attached screenshot. Inside this complaint reports the following dates of XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, & XX/XX/22. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

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 2024-07-26
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. (NY)

have hard inquires for morgage loans im not aware of. i recently came home from incarceration and have no idea of this and rewcently obtaining important docs XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
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)

Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Urgent Request for Immediate Correction of False Information on Credit Report Dear Sir/Madam, I am writing to formally dispute incorrect information being reported on my credit report by Equifax. The account in question, listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reported as 60 days late. However, this account was paid on time, and there is no reason for it to be reported as late. This is clearly an error and incorrect information being reported on my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure the accuracy and completeness of the information they provide. The continued reporting of this erroneous information is a violation of my rights under this act and has unjustly impacted my credit score. 

I respectfully request that Equifax : Investigate this matter thoroughly. 
Remove the false 60-day late payment from my credit report immediately. 
Provide written confirmation of the correction to my address listed above. 
Enclosed are copies of my credit report with the disputed information highlighted. 


Thank you for your prompt attention to this urgent matter. I look forward to your swift resolution and confirmation of the correction. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-31
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: EQUIFAX, INC. (FL)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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.