davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
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 reviewed my Consumer Reports and noticed that It is reflecting a balance. 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 do not owe a balance to this company. 
( XXXX XXXX : XXXX ) Please investigate and provide Proof with statements showing that the balance was never paid.. If proof can't be provided I demand this account be updated to reflect current and paid, or removed from my credit report.
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: Experian Information Solutions Inc. (IL)

Ive reached out to the 3 credit bureaus repeatedly over the past year to let them know that I am a victim of identity theft and that my consumer report has been used. I do not recognize these accounts and they need to be removed immediately. Im on the verge of being homeless and the state of my credit health is ruining my life all due to accounts that are being reported improperly
Consumer complaint received 2024-06-22
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. (SC)

I tried to fix this issue for several times and send my first dispute letter last XX/XX/XXXX but I never received any response from the 3 credit bureaus. I demand to delete this negative accounts and inaccurate inquiries listed below. I also attached my ID and copy of my current address to proof that I'm the one who send out my dispute letter not a 3rd party. Also I attach my dispute letters and FTC Report for proof. Thank you Please delete this items now! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-22
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)

This complaint is regarding my formal concerns about unidentified errors on my credit report, which I think were not appropriately revealed by your agency. These unsolved concerns may have a major impact on my credit score and financial situation, thus I want an immediate investigation to CORRECT them. 
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 2024-06-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-06-22
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. (AL)

I've been a victim of identity theft due to the Equifax data breach, and I've discovered fraudlent accounts and unauthorized inquiries linked to my profile. These are not affiliated with me, and I never authorized themXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MD)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-06-22
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)

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 
HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
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. (PA)

There were fraudulent accounts made in my name. I couldn't have made the accounts because I was still incarcerated during the time. I would really appreciate assistance in this matter because I have been trying to make a living for myself and it s been extremely hard because of these items.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My XXXX XXXXXXXX account XXXX is reporting that in XX/XX/XXXX i was late which i never was. They removed the late payment then put the late payment back on my credit report which is a violation of my rights. Also XX/XX/XXXX & XX/XX/XXXX i was on time and they are reporting it as late. They are not providing proof as far as who confirmed this was late? What is the name of the person that reported this incorrectly? THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 } ( B ). We keep going thru this over and over and it makes no sense. I dont understand how you delete a payment then months later add it back on to your report after you deleted it? That is a violation of my rights. You guys are suppose to not let this happen at all
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

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

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

I demand the late payment reported in XXXX to XX/XX/year> to be removed. 

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

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


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2022-10-25
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : Account Number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX All those above accounts have 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 reporting agency may make any consumer report containing any of the following items of information or 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 2024-07-11
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)

15 u.s. code 1681 ( i ) - re inserted an item and never notified me within the timeframe. penalty {$1000.00} per item. XXXX XXXX
Consumer complaint received 2024-06-22
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 reviewed my Consumer Reports and noticed that It is reflecting a balance. 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 do not owe a balance to this company. ( XXXX XXXX XXXXXXXX ) Please investigate and provide Proof with statements showing that the balance was never paid.. If proof can't be provided I demand this account be updated to reflect current and paid, or removed from my credit report.
Consumer complaint received 2024-06-22
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)

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2024-06-22
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I Requested the closure of XXXX XXXX Bank XXXX ( XXXX ) on XXXX XXXX via support live chat, the chat specialist answered me that the account was successful closed. After some time, i saw in my credit report that i had late payment for XX/XX/XXXX and XX/XX/XXXX. After contacting the company, i was told that the account can only be closed by calling the support service, which does not coincide with the conditions indicated on company 's website. The company refused to delete deliberately false records of late payment that were received after i requested account closure. Contacted with company with XXXX ask to removal and trying to dispute, but XXXX XXXX Bank XXXX, refuse delete that inaccurate info
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AP)

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. My name is XXXX XXXX XXXX. I do not have any requisite other Names or aliases and I do not desire any other names or aliases to be retained or reported, if any, delete now or produce proof of your legitimate authority to Retain much less report without infringing my consumer rights. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have any requisite other Current addresses and I do not desire any other addresses to be retained or reported, if any delete now or produce proof of your legitimate authority to retain much less report without infringing my consumer rights. I am currently in the process of purchasing a first home for my family. 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

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 2024-08-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AZ)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and XXXX 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 collections account opened at account XXXX XXXX XXXX XXXX XXXX on XX/XX/2024 with a balance of {$1100.00} that appears related to the aforementioned personal loan account at unknown, a collections account opened at XXXX XXXX XXXX on XXXX XXXX with a balance of {$7000.00} that appears related to the aforementioned rental of apartment or house account opened at XXXX XXXX XXXX, another collections account opened at FAIR COLLECTIONS AND OUT on XX/XX/2024 with a balance of {$3500.00} that appears related to the aforementioned rental of apartment or house account opened at XXXX XXXX XXXXXXXX. These accounts have resulted in several 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 2024-06-22
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. (CA)

I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$43000.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-06-22
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 disputing these accounts and requesting an investigation since they are incorrectly reported on my credit file. According to the Fair Credit Report Act, I am entitled to {$1000.00} for each erroneous entry. Additionally, FCRA 605B mandates reporting any inaccuracies in a consumer 's report.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any inquiries listed in Identity Theft. Once again HERE ARE THE LIST OF INQUIRIES THAT I WANTED TO REMOVE! 
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 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 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 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 Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit reporting act, has reported incorrect information and inaccuracy in magnitude of credit reports points affected reporting late payment. 

15 U.S.C 1681 section 602 A, states I have right to privacy 15 U.S.C 1666 B, I did not receive a written notice within 21 days of payment 15 U.S.C 6802 B, Inaccuracy in disclosed statements I solemnly, request that my credit report which is adversely affected by the remarks of late payment marks, needs to be removed from my credit account. One of the late payment is reported recently and is affecting XXXX points in one credit account and XXXX points in the other. In addition, there is also a 3 years old late payment mark, that is incorrect. 

I have made my payments to XXXX XXXX on time since the last 4 years, beginning of XX/XX/year>, the recent miss was absolutely due to miscommunication and technical glitch in setting up the auto payments. 

I have confirmed with the credit agency that the late payment occurred due to technical error in having the automatic payment set up and was not purposeful. Affecting the credit points by XXXX magnitude is totally unfair for the act that was not intentional.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

SECCTION 15 USC 602 ( A ) I HAVE THE RIGHT TO MY PRIVACY 15 USC 602 ( SECTION2 ) IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS. ON XX/XX/year> I TALK TO THE FLOOR MANAGER ABOUT VIOLATIONS ON MY REPORT I PAID FOR A MONTH MEMBER SHIP FOR XXXX FOR THE FIRST MONTH EQUIFAX HAVE THE SCORES ON MY REPORT BLOCK FOR 2 WEEKS BECAUSE OF FAILURE OF MISSING INFORMATION ON MY REPORT THE CONSUMER LAW STATES UNDER USC 1681-1681X FAIR CREDIT REPORTING AND NEED TO BE ACCURATE AND COMPLETE SECTION 15 USC 602 ( A ) THIS FLOOR SUPERVISOR CANCEL MY EQUIFAX MEMBERSHIP WITHOUT MY CONSENT UNDER THE LAW FSC CODE 1681A-DEFINITIONS RULES OF CONSTRUCTION IS A VIOLATION. HE DID IT ON HIS OWN AND THATS 'S A VIOLATION UNDER THE CONSUMER LAWS I UPLOADED PROOF OF HIM CANCELING MY MEMBERSHIP THAT SHLOULD ME A AUTOMATICALLY REWARDED {$1000.00} FOR THE VIOLATIONS OF MY CONSUMER LAW RIGHTS AND ALSO MY CREDIT SCORES HAVEN'T BEEN SHOW IN THE LAST TWO WEEKS I ASK EQUIFAX TO FIX IT THEY REFUSE TO MY REPORT IS MISSING AMOUNT OF DEBT, LENGTH OF CREDIT HISTORY, AND AMOUNT OF NEW CREDIT MISSING INFORMATION ON A CREDIT REPORT IS A VIOLATION I ALSO ASK EQUIFAX TO REMOVE TO HARD EQUIRES ON MY CREDIT REPORT AND IT BEEN OVER 40 DAYS I ASK THEM TO REMOVE THEM 2 HARD INQUIRES OF XXXX XXXX XXXX DATES XX/XX/year> & XX/XX/year>. I SENT PROOF OF MY CREDIT SCORES NOT SHOWING AND PROOF OF THE MISSING INFORMATION ON MY REPORT AND PROOF ON THE UPDATE CREDIT REPORT THAT THE HARD INQUIRES IS STILL ON MY CREDIT REPORT I ALSO GOT PROOF I SENT THEM TO FIX MY CREDIT REPORT ACCURATE