davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
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. (AL)

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 XXXX Account # XXXX and Account name : XXXX XXXX Account # XXXXXXXXXXXX XXXX has violated my rights. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate, and according to the fair credit reporting act 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 according to XXXX XXXX XXXX ( XXXX ) ( b ). And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, if 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 notity the furnisher of that that the information has been modified or deleted from the file of the consumer. In accordance to XXXX XXXX XXXX they are suppose to 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 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was due to an error in the automatic payment system set up with XXXX. My payment was scheduled and authorized on time, but due to a glitch in the system, it was not processed until after the due date. This error was beyond my control and does not accurately reflect my payment history. 
Evidence provided : Bank statement showing the payment was initiated on time. 
Correspondence from XXXX acknowledging the issue with their payment processing system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Consumer complaint received 2024-09-16
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 received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXXXXXX {$770.00} Date Opened XX/XX/XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX date opened XX/XX/XXXX {$720.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX date opened XX/XX/XXXX {$18000.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

inquiries 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 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MI)

identity theft, names that ( do not belong to me ) 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 Phone numbers ( NOT ME ) ( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential ( XXXX ) XXXX Residential Address XXXX XXXX XXXX XXXX XXXX, MI XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX Resident typeApartment complex XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MD XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, MD XXXX Resident typeApartment complex XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX Resident typeApartment complex XXXX XXXX XXXX  XXXX XXXX, MD XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, MI XXXX Resident typeSingle family
Consumer complaint received 2024-07-31
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. (AZ)

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


1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-09-16
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 received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX {$770.00} Date Opened XX/XX/XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX  XXXX XXXX  date opened XX/XX/XXXX {$720.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX date opened XX/XX/XXXX {$18000.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX  XXXX  Date opened XX/XX/XXXX Balance XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

inquiries 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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I did not provide authorization or consent for this inquiry, and I am concerned about the impact it may have on my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), only inquiries with proper authorization should be included in a consumers credit file. As I did not authorize this inquiry, I am requesting that you immediately remove it from my credit report. 

Please provide written confirmation of the removal of this inquiry. If you require any additional information from me to complete this investigation, feel free to reach me at the contact information provided above. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-02
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. (NC)

I am aware of all my rights that I have and are protected by Congress under the Fair Credit Reporting Act 15U.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 please delete these account Bull City Opportunity Finance XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Credit reporting agencies TransUnion, XXXX, and XXXX have been reporting numerous accounts that solely contain information regarding transactions on my consumer report and details relating to the approval or authorization of credit card extensions, whether direct or indirect by the issuer. 

As a result, all three corporations are in violation of the following federal laws : 15 U.S.C. 1681a ( 2 ), specifically Exclusions, Subpart A, Sub-subpart ( i ) 15 U.S.C. 1681a ( 2 ), particularly Exclusions, Subpart B
Consumer complaint received 2023-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-09-09
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)

This is the several times I've complained about being a victim of identity theft. You must remove the inquiry that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XX/XX/year>,
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-03
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. (CA)

Based on the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing the necessary documents : a picture ID, a utility bill, and a letter from an advocacy group assisting me as a victim of XXXX trafficking debt bondage, which is categorised under trafficking as per Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I have provided identification and the required documents from the list of acceptable items, of which only two are legally required. Additionally, I have included a victim determination letter as specified in 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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/XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im filing a complaint against Equifax again because they have put back the five fraudulent hard inquiries and fraudulent addresses on my credit report. When I called Equifax and asked them why they put the fraudulent hard inquiries and fraudulent addresses back on my credit report, they could not answer my question. I sent a letter to Equifax last year, including my police report, drivers license, Social Security card, and mortgage bill. I have never lived in Texas, yet they put it back on my credit report. They even put my lawyers address on my credit report. I will be reporting Equifax to the California State Attorneys Office and the Federal Trade Commission, and I will contact my lawyer about this issue. Equifax needs to fix this immediately, as it is affecting my credit report. I'm a victim of identity theft.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

These 16 accounts and 1 inquiry that are reporting negatively on my EQUIFAX credit report ( PLEASE SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable. ( SEE ATTACHED )
Consumer complaint received 2023-01-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2024-11-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Scheer, Green & Burke L.P.A. (MI)

XX/XX/XXXX I called w/closed case #, explaining that an overpayment was made to the law firm & was told there were multiple accounts still open with balances due. I called the court XX/XX/XXXX to verify case # etc had been closed/ paid in full ( never received XXXX information from firm ). I sent the office accountant/Mgt multiple emails = XXXX reply. Called again & spoke with another employee XX/XX/XXXX who verified multiple accounts unpaid w/my name & case #. He asked me to call his boss office account XXXX. Finally got her on the XXXX as she yelled, talked over me, she told me my over payment from case XXXX XXXX was applied XX/XX/XXXX to a different account that they hadnt sued me for yet. I asked her to send me that information she said talk to the lawyer, done arguing Only person arguing was her. This law firm has already sent me XXXX XXXX other payments for over charges on case # XXXX. Now they once again over charged ( w/same case # ) but refused to answer my calls/ emails/etc I have 100 %
Consumer complaint received 2024-09-08
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. (DC)

I sent a letter asking for proof of ownership of the account with XXXX XXXX and they failed to do so. I disputed the ownership of the account with XXXX and they did not verify the account
Consumer complaint received 2023-06-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2024-08-03
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)

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX XXXX XXXX ), Consumer Date of Birth : ( XXXX XXXX - XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 an Individual account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), a Credit Card account opened at XXXX XXXXXXXX on XX/XX/XXXX, under the account number ( XXXX ) and a Individual account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ).. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer 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 # 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.