davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
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. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my EQUIFAX credit report on XX/XX/2024 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 supposed 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.

According to 15 USC 1681s-2 they are supposed 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 inaccuracy.
Consumer complaint received 2024-05-23
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 inquiries and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

this is a creditcard or a charge i have no knowledge of It says charge off and i want it remove from XXXX, eqifax and XXXX I will inclose ftc report here with amount please dont close my complaint and tell me to open a new one with a different breau
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/2024, a dispute letter was sent invoking rights under the Fair Credit Reporting Act ( FCRA ) to demand the immediate removal of an allegedly incorrect XXXX XXXX XXXX XXXX installment account from the credit report. The letter stated that the listing for this account with details like a {$10000.00} high balance and 120-month term is unauthorized and erroneous.

The key reasons cited for demanding removal were : 1. Lack of permissible purpose as no transaction or communication was initiated to authorize reporting this account 2. Potential identity theft concerns 3. Legal implications of non-compliance with the FCRA The letter formally demanded immediate deletion of the account listing and written confirmation along with an updated credit report showing the changes made. It stated failure to comply promptly could result in further legal action like FTC complaints and potential lawsuits against the credit agency.
Consumer complaint received 2024-06-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IN)

Unable to use this gift card for any online purchases. Tried on XXXX XXXX XXXX XXXX XXXXXXXX. 

All transactions come back and say that the transaction was denied by issuing bank. 

Gift card amount is XXXX
Consumer complaint received 2024-05-23
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 have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Incorrect Name : - XXXX, XXXXXXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX XXXX  - XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-06-14
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: Experian Information Solutions Inc. (AZ)

My name is XXXX XXXX XXXX XXXX XXXX XXXX After looking at my credit report I notice that I have a hard Inquiry on my credit report that I do not recognize, and I did not approve of it. I did not sign for this, or apply for anything of this nature. I have tried contacting them. I haven't gotten a response. Please investigate and get this item removed from my credit report asap. The credit card company, or bank is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX ) XXXX date opened XX/XX/XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND EMAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB
Consumer complaint received 2024-05-23
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 2024-05-23
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)

Accounts listed below doesnt belong to me I never authorized nor open the accounts : XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date opened XX/XX/XXXX XXXX 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 2024-05-23
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)

US DEPT ED Account Number XXXX  I received a copy of my credit report. I noticed that you are reporting this account incorrectly .This Collection account is reporting not only as OPEN, but also shows a past due balance of XXXX. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report, Please provide me a copy of my new credit report. reflecting this account removed upon completion
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ATG Credit, LLC (IL)

I am filing this complaint because I cant help but feel a little cheated here. My credit score has dropped by over 90 points as a result of this collection from ATG credit. This is all stemming from a medical collection that I thought insurance was going to cover. The whole medical billing process is a mess and Im now being severely punished for something I had no fault in. Im trying to purchase a property and Im unable to qualify for the home loan program because my credit score is too low. I paid this collection once I was able to ascertain that it was  valid and that it indeed was my liability. Throughout that process I think its worth mentioning that I kept receiving nothing but conflicting information and this is what ultimately led me to delay the process of making the payment. I already pay quite a bit of money every month for insurance so who would want to pay more without verifying information? 

In addition to this, I was also informed by a supervisor that once the account is paid, that the damage to my credit score will be reversed. This simply isnt true as I have come to find out that the Version of the Credit score that is utilized in Mortgage lending will punish you the same amount regardless if the collection account is paid or unpaid. This is really a travesty, I am unable to fulfill a lifelong dream of purchasing a home over a small medical collection. 

I am asking that they submit a request to remove this account from my credit reports so I can move forward with the purchase of my home.
Consumer complaint received 2024-05-24
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)

Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. As we enter this attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. Please help me remove these items immediately : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$4400.00} XXXXXXXX XXXX  XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$14000.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$7200.00} XXXX XXXXXXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$5600.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$4400.00} XXXX XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$4400.00} XXXX XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXXXXXX Balance Owed : {$7200.00} XXXX XXXX XXXX XXXX Owed : {$3300.00} XXXX XXXXXXXX XXXX Balance Owed : {$110.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

According to FCRA 605B, you are required to delete any erroneous accounts from my credit report. This account has been incorrectly reported on my credit file, so it needs to be removed. I should receive {$1000.00} for each mistake on my credit file.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-05-23
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-11-07
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. (TN)

Experian has constantly allowed fraudulent undocumented activity on my credit report under the guise they will " investigate '', which properly and professionally implies they are going to demand documentation and proof, which the do not, they merely ask XXXX XXXX XXXX who's has constantly been reporting false and fraudulent credit slandering reports against me for at least months, refusing all my demands their predicated and required to provide to me which is proof and validation of which they have refused to show me, any credit agency and any other agency even the CFPB, and Experian and other agencies mislead and flat out lie and say they verified the accuracy, because they haven't properly and I know because not only did they tell me finally that's the extent of their incompetent investigation which favors them and scammers, but I know doesn't exist because it's impossible to produce as its a lie and not mine.So I request Experian do their due diligence in requiring what I've so far been denied, proof, documentation and validation from XXXX XXXX XXXX and provide it to me as well, and as soon as they act honestly, entrusted with allour sensitive info you will see XXXX XXXX XXXX as the scam they are and all FCRA, FDCPA, CPA, etc. they have ignored to follow intentional, thus it will stop.If not, what experian and the others allow is a scammers dream and is wrong.So in closing while I have discussions with the OCC about the negligent incompetence I expect them to provide what I demand per my rights under just the minimum of FCRA, Proof and validation and removal of all false and fraudulent credit reporting against me.I write this after again getting an incompetent reckless false notice they verified yet again with no documentation required taking these scammers at their word.This incompetence must stop it is damaging to everyone as the by not properly requiring proof, documentation, and validation can only be see as complicitness and facilitating more scammers, thus isn't right and must stop. 
Not too mention you can rarely get someone on the phone unless you make them think they might make money off you.WRONG MUST CHANGE.More regulation needed, much more, and should not be privatized for profit period as this is what happens what there wrongfully doing to me and no telling how many others.This must stop.Just to be clear it's still wrong, and I strongly dispute it and dispute experians manipulation. 
*May contain some typos due to keyboard
Consumer complaint received 2024-05-23
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. (VA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-23
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. (TX)

You are reporting inaccurate information for account XXXX. The collection agency XXXXXXXX XXXX XXXX  has failed to verify this account. The original creditor stated that the account was furnished with an activity date of XX/XX/year>. The balance reporting is also incorrect. I have attached the final account statement from the original creditor showing the activity date and balance. Furthermore, this account has is in a payment plan with the original creditor. I do not owe this alleged debt to this collection agency that is furnishing incorrect information. The credit bureaus are also at fault for reporting false and misleading information. Please remove this inaccurate account from my credit report immediately.
Consumer complaint received 2024-05-23
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)

XXXX Account XXXX I just got a copy of my credit report. To my Surprise, You are reporting this account incorrectly.This collection account is reporting not only as PAID OFF, but also shows a past due balance of XXXX. According to the FCRA XXXX have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Consumer complaint received 2024-01-28
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. (MN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.