davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-19
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)

According to FCRA XXXX XXXX XXXX section XXXX says there is a need to insure that the reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer right to privacy. The reporting agency Equifax, XXXX XXXX XXXX XXXX and I am the consumer. I have the right to make sure my information stays private and isn't shared which is backed by 15 USC 6801 which states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX is a financial institution by definition under that title 15 USC 1681 section 604a section 2 states that in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates too. XXXX XXXX XXXX the financial institution and the consumer reporting agencies XXXX, equifax XXXX do not have my written consent or any permisson to furnish any information. Any and all consent to Equifax XXXX and XXXX and XXXX XXXX XXXX  whether it be verbal, non-verbal, written or implied is now revoked. Also 15 USC 6802 ( b ) ( c ) says that a financial institution may not disclose nonpublic personal information to a non-affiliated unless the consumer is given an explanation of how the consumer can exercise his right to that nondisclosure option. XXXX XXXX XXXX Never informed me of that right. Also 15 USC 1681 ( a ) ( 5 ) says " except as authorized under subsection ( b ), no consumer reporting agency may make any consumer reports 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. This account is an adverse item that they are reporting again without my permission which is against the law. Lastly 15 USC 1681e states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.
Consumer complaint received 2023-11-12
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. (CA)

I have recently found out that someone has used my personal information to open 2 loans and 1 credit card under my name which are now reporting on my credit. I am a victim of identity theft and have filed and made reports with agencies and am also filing complaints and reports with local law enforcement departments in order to properly dispose of incorrect information on my credit report that certain financial institutions are placing on my name. 

I do not know who used my information, but these accounts must be removed from my credit report! I am attaching the report I filed with the Federal Trade Commision, as well as the affidavit and complaint of ID Theft which I had notarized in front of an official, in order for my request/demand to be made and have the accounts listed below removed from my credit report. 

The following listed accounts have been opened using my personal information without my authorization : XXXX XXXX XXXX XXXX {$12000.00} ( CREDIT CARD ) XXXX XXXX XXXX XXXX XXXX {$21000.00} ( LOAN ) XXXX XXXX XXXX XXXX {$15000.00} ( LOAN ) These three accounts are fraudulent, unauthorized, and were not opened by me!
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX was part of a class action lawsuit and I was awarded a settlement through XXXX XXXX due to their fraudulent practices. XXXX paid money to me yet still continues to report to the credit bureaus as delinquent. Today they updated my credit reports and it went from collections to charge off which dropped my credit score. 

I have initiated contacted today with the XXXX XXXX XXXX due to XXXX XXXX previously paying out a settlement yet contuing to incorrectly report information to the credit bureaus as now this is costing me money due to increased interest rates because of their incorrect reporting.
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: Experian Information Solutions Inc. (VA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-27
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. (IL)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

Subject : Complaint Regarding Inaccurate Information on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account I am filing a complaint against Experian, XXXX, and XXXX due to inaccurate information reported on my credit reports regarding an account from XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ). Below are the details of the discrepancies : 1. Account Number Discrepancies : XXXX is reporting a different account number for this account than what is shown in Experian and XXXX reports. 
2. Account Open Date Discrepancies : XXXX reports a different account open date compared to XXXX and Experian. 
3. Late Payment Reporting Discrepancies : Experian reports four late payments, while XXXX and XXXX report five for the same account. 
These discrepancies are violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681 ( a ) ( b ), which requires credit reporting agencies to ensure maximum accuracy. Under 15 USC 1681n, each willful violation is subject to a {$500.00} fine. Additionally, 15 USC 1681o holds agencies liable for negligent noncompliance, and 15 USC 1681s-2 outlines the duties of furnishers to provide accurate information. These inaccuracies also breach the Privacy Act of 1974 ( 5 USC 552 ( a ) ( e ) ( iii ) ), which mandates compliance with U.S. laws regarding consumer credit information.

I request that the CFPB investigate these inaccuracies and ensure the immediate removal of this incorrect trade line from my reports with all three bureaus. I also request enforcement of fines of at least {$500.00} per violation, totaling {$1500.00} for the three violations noted. 
Please provide a response detailing the actions taken to correct these issues.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

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.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 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 complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/closed Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$2700.00} - Chargeoff XXXXXXXX XXXX XXXX XXXXXXXX Date XXXX XXXX XX/XX/XXXX Balance Owed : {$0.00} - Late/closed XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Owed : {$2700.00} - Chargeoff XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance XXXX XXXX {$0.00} - Late/closed
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

Subject : Complaint Regarding Inaccurate Information on XXXX XXXX XXXX XXXX XXXX. 
I am filing a complaint against Experian, XXXX, and XXXX due to inaccurate information reported on my credit reports regarding an account from XXXX XXXX XXXX. Below are the details of the discrepancies : 1. Account Number Discrepancies : XXXX is reporting a different account number for this account than what is shown in Experian and XXXX reports. 
2. Account XXXX Date Discrepancies : XXXX reports a different account open date compared to XXXX and Experian. 
XXXX. Late Payment Reporting Discrepancies : Experian reports four late payments, while XXXX and XXXX report five for the same account.

These discrepancies are violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681 ( a ) ( b ), which requires credit reporting agencies to ensure maximum accuracy. Under 15 USC 1681n, each willful violation is subject to a {$500.00} fine. Additionally, 15 USC 1681o holds agencies liable for negligent noncompliance, and 15 USC 1681s-2 outlines the duties of furnishers to provide accurate information. These inaccuracies also breach the Privacy Act of 1974 ( 5 USC 552 ( a ) ( e ) ( iii ) ), which mandates compliance with U.S. laws regarding consumer credit information. 
I request that the CFPB investigate these inaccuracies and ensure the immediate removal of this incorrect trade line from my reports with all three bureaus. I also request enforcement of fines of at least {$500.00} per violation, totaling {$1500.00} for the three violations noted. 
Please provide a response detailing the actions taken to correct these issues.
Consumer complaint received 2024-09-09
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)

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 2023-04-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Scammer called : Phone number XXXX ( XXXX ) XXXX sent my phone a text message saying {$120000.00} was charged to a Bank of America Account which I do not have an open account with Bank of America whatsoever. I called to inquire and explained this and when I mentioned about the possibility that I am being scammed, the representative immediately hung up. He was asking for my personal information and I refused to give it. I just want to maintain records in case something else occurs further. Thank you.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I have sent dispute requests to XXXX, Equifax and XXXX regarding the following account numbers : XXXX, XXXX, XXXX and XXXX. The date of these disputes are as follows : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite these letters being sent to these three bureaus, there has been no resolution or corrections.
Consumer complaint received 2024-09-27
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)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING XXXX ACCOUNT 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-09-27
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. (WI)

I just viewed my credit report on XX/XX/2024 and I noticed theres some hard inquiries on my credit report that dont have permissible purpose according to the fair credit reporting act anything furnished on my consumers report must have permissible purpose according to 15 USC 1681B PLEASE DELETE ALL HARD INQUIRIES on my CREDIT REPORT THAT VIOLATES 15 USC 1681b.
Consumer complaint received 2024-09-27
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.