davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-14
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. (VA)

On XX/XX/2024, I submitted a debt validation request to XXXX XXXX XXXX XXXX asking for validation and verification of the alleged debt. This document clearly states the account is officially disputed. I received no response from them. As the debt was not verified, I did not make a payment. The account was never marked dispute by the creditor. My credit score was in the XXXX at this point. 
On XX/XX/2024, I submitted a second debt validation request to XXXX XXXX XXXX XXXX asking for validation and verification of the alleged debt. This document clearly states the account is officially disputed. 
Dated XX/XX/2024, their response was to send me lengthy monthly statements, which does answer the point by point requests in the validation request letter. 
On XX/XX/2024, I submitted a final debt validation request to XXXX XXXX XXXX XXXX asking for validation and verification of the alleged debt. This document clearly states the account is invalidated for lack of validation and verification evidence. My credit score is in the upper XXXX in this month. 
This account was never marked as disputed to the credit bureaus, has destroyed my credit score, and is now closed by the creditor.
Consumer complaint received 2024-08-05
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. (GA)

1. Failure to Verify Disputed Information Violation of FCRA 611 I have disputed the accuracy of this account with both TransUnion and XXXX on two separate occasions. Under the Fair Credit Reporting Act ( FCRA ) 611, credit reporting agencies are required to investigate disputed information within 30 days and provide a response indicating the results of the investigation. Despite this requirement, there has been no indication that either credit bureau has verified the information or updated my credit report to reflect my dispute.
Consumer complaint received 2024-07-14
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. (TN)

XXXX main of XXXX, XXXX XXXX of XXXX & life assets of XXXX are listed as charged off which means its considered as income by the IRS XXXX Means that they wrote it off on their taxes and received profit for it. Income is forbidden to be on a credit report 15 USC 1681 ( 2 ) ( a ) ( i )
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

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 XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Card services has violated my rights. 

I looked at my Equifax credit report on XX/XX/XXXX 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 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 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 2024-07-14
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. (TN)

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  Account Number : 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. 

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 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX. XXXX, XXXX XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the XXXX, XXXX Equifax, and the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving the complaint. This fraudulent, inaccurate, and false information consist of cars loans : XXXX account XXXX on XXXX XXXX on XXXX. XXXX account # XXXX with all credit agencies that's showing inaccurate information. These accounts have resulted in several fraudulent hard inquires and several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of hard inquires in question as well. 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 inquires of identity theft and fraud.
Consumer complaint received 2024-07-14
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 HAVE WRITTEN COMPLAINTS AND REQUESTS FOR BOTH OF THESE ACCOUNTS TO BE REMOVED FROM ALL RECORDS! DUE TO IDENTITY THEFT!!! THEY FAILED TO COMPLY AND I EXPLAINED THAT I HAVE NO PHONE, ETC!!! THEY DO NOT CARE ABOUT BEING SUED, ETC!!! I AM UNABLE TO WORK DUE TO THE STRESS OF THIS SITUATION AND I AM SICK OF BEING BROKE AND LIVING ON THE STREETS WITH NOTHING OR NO ONE!!! FIX THIS NOW!
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX THE FOLOWING ACCOUNTS HAVE SEVERAL ERRORS AND ARENOT IN METRO2 COMPLIANCE UNDER BSCF13 TERMS DUARTION THERE ISMISSING INFORMATION. BSCF20 COMPLIANCE CONDITION IS QUESTIONABLE.PLEASE DELETE THE FOLLOWING INACCURATE ACCOUNTS : 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 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them. 

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XXXX XXXX Date open______XXXX__________________________________ Account Number XXXX Reason for dispute_IDENTITY THEFT___ Account Amount__XXXX
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account NameXXXX 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 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent accounts were opened. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent accounts off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did NOT authorize : 1. The following account is NOT MINE : XXXX Date opened : XX/XX/XXXX, account number XXXX XXXX. The following account is NOT MINE : XXXX Account number XXXX Date opened : XX/XX/XXXX. Please remove it from my credit report. XXXX. The following account is NOT MINE : XXXXXXXX XXXX  Date opened : XX/XX/XXXX. Account number XXXX. Please remove it from my credit report. XXXX. The following account is NOT MINE : XXXXXXXX XXXX Date opened : XX/XX/XXXX. Account number XXXX. Please remove it from my credit report. 5.The following account is NOT MINE : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX. Account number : XXXX Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Consumer complaint received 2023-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX **Subject : Formal Dispute of Inaccurate Information on Credit Report - XXXX XXXX XXXX Dear Equifax Information Services , I am writing to dispute the following inaccurate items on my Equifax credit report : 1. **Auto Loan with XXXX XXXXXXXX XXXX XXXX Account Number : XXXX - Reported : XXXX. XXXX, 2024 - Balance : {$5600.00} - Status : Closed, In Repossession - Remarks : This account is inaccurately reported as derogatory with a repossession status. I do not have any association with this loan. 

2. **Credit Card with XXXXXXXX XXXX* - Reported : XXXX. XXXX, 2024 - Balance : {$530.00} - Status : Closed, Charged off as bad debt - Remarks : This account is erroneously reported as charged off. There is no record of my ownership or transactions related to this credit card. 

3. **Unauthorized Hard Inquiries** - Several unauthorized inquiries from institutions such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others, are listed on my report without my authorization or knowledge. 

Enclosed are copies of documents verifying my identity, including my driver 's license and a recent utility bill. According to Metro 2 guidelines and the FCRA, I request Equifax to investigate these discrepancies promptly and delete or correct the inaccurate information from my credit file. 

Please send me a written confirmation once the investigation is complete and the necessary corrections have been made. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-29
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. (AL)

In Accordance with the Fair Credit Reporting Act : The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15usc 1681. 

XXXX XXXX  -- XXXX, XXXX XXXX XXXX -- XXXX, XXXX  XXXX XXXX, XXXX XXXXXXXX, 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  There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

604 A In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : # 2 In accordance with the written instructions of the consumer to whom it relates 623 A # 1 A Reporting information with actual knowledge of errors. 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 2024-07-14
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. (IL)

I am writing to dispute several unauthorized inquiries that appear on my credit report. These charges are fraudulent and were not made by me. 

The specific details of the disputed charges are as follows : 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 

I have not authorized these charges, nor have I received any goods or services related to them. These entries are impacting my credit score and were likely caused by identity theft or error. 

Attached, you will find copies of my FTC report. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-14
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (FL)

Lowes, offered 20 % off on first purchase up to the maximum of {$100.00} when you sign up for their store credit card. I signed up and was offered the credit card. I made my first purchese of a washer and dryer. 

Did not receive the promotion. I called the store. Store told me to contact the credit card company. I did and was told to dispute the charge. Credit card company denied the dispute.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MS)

I disputed this information via mail twice and got no response. Then I dispute it online and add documents. Equifax says they verified it with XXXX XXXX. XXXX XXXX removed this information because they can't verify it. I provided that information to Equifax and they still report it as accurate via XXXX XXXX.