davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
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)

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately :, The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
So with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. PLEASE block these companies from reporting on my credit profile!
Consumer complaint received 2023-05-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (DC)

I submitted a dispute via post mail. Experian replied to my dispute on XX/XX/XXXX with the following : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. '' However, Experian updated my personal information ( name - adding my full middle name that is on my drivers license ) after receiving my dispute that included a copy of my drivers license and utility bill. They can't say that they don't think it's me making the request but use in the information in my dispute to update my credit profile. This is a blatant attempt to stall my investigation and dispute request.
Consumer complaint received 2024-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MO)

Basically, what happened to me was a check scam. The incident began on XX/XX/year>, when the scammer XXXX XXXX first sent a group email to all XXXX physics graduate students to inquire about our interest in being a tutor for his daughter XXXX. Unfortunately, I replied to his email and that's when all the nightmare started. To get the trust and sympathy from me, the scammer XXXX XXXX fabricated the whole story of his miserable family. He claimed that he was a single father and that both his cousin and his daughter XXXX lived off him. He perfectly disguised his real intention at the very beginning to discuss the details of the tutor classes, including the fees ( {$50.00} per hour ), duration ( XXXX weeks ), background knowledge required ( maths ), place ( XXXX XXXX ) and method ( online or in-person ) to teach his daughter, etc. Then, at some point, he suddenly asked me if he could first send a check with a large amount to me via mail and let me return the rest of the amount to him when the class began. Although I clearly told him not to do so, he still sent me a {$3000.00} check money on XX/XX/year> when I didn't realize that this check was a fake one ( this was the first time in my life that I had ever deposited a check, and I had no experience to identify a fake check ). He asked me to deposit that check into my checking account, but obviously, this check was placed on hold by XXXX XXXX XXXXXXXX since it was fake. He first hypocritically said that this situation was out of his expectations, but it turned out that this was also one of his deception tactics. Shortly after I deposited the check, he begged me to first send him {$650.00} to reimburse his cousin and XXXX for their travel expenses back to XXXX XXXX because they were out of state at that time as he claimed. I easily agreed to lend the money to him because I naively thought no one would commit fraud in finding tutors with students. I used Zelle to make several transfers to the email addresses he provided, but only the {$150.00} transfer to XXXX XXXX ( which I suspect is a fake name ) on XX/XX/year> was successful. Other {$500.00} transfers were all experienced security reviews and were then rejected by Bank XXXX XXXX and XXXX Bank. He also asked me to make the {$500.00} transfer through XXXX. This transfer was near to success, but fortunately enough, I got notified on XX/XX/year> saying that the check I deposited was fake, and then I immediately cancelled the XXXX transfer. I further confirmed that XXXX XXXX was indeed a scammer because he never replied to my refund request after I finally realized that his check was fake. You may find more details of this check scam in the evidence documents attached to this letter, including the XXXX Complaint Referral Form and all the previous transfer receipts, emails, and messages with the scammer XXXX XXXX. I have also included my XXXX form issued by the XXXX Government XXXX prove my XXXX student status.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 2024-05-10
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 been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-05-10
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. (NE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct number XXXX, XXXX XXXX XXXX XXXX acct number XXXX, XXXX XXXX XXXX XXXXXXXX acct number XXXX, XXXX XXXXXXXX XXXX acct number XXXX, XXXX XXXXXXXX XXXX via XXXX XXXX acct number XXXX has violate my rights. 

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

15 U.S.C 1681 section 602 A section 2 states a consumer reporting agency can not furnish an account with my written consent.

15 U.S.C 1681 i ( a ) ensures me that everything being reported should 100 % accurate
Consumer complaint received 2024-05-10
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)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

Collection of 2019 not owed show in collections of {$2100.00} XXXX credit bureau did accept my dispute but not Others. 

XXXX has XXXX different collections for XXXX XXXX XXXX and keep changing reported dates.
Consumer complaint received 2024-01-10
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. (FL)

i sent multiple XXXX letters and XXXX letters requesting the false information be removed, or proven true, and that all information used to support the false inquires be sent to me by way of USPS mail as well as email, i received nothing from either of the XXXX companies XXXX, XXXX or Experian except letters stating that all information was true, nothing showing who or what information they used to show any of the inquires was true or accurate. just letters stating they wouldnt change anything because they believed it to be accurate. they still havent removed the false inquires from my report yet. they keep re-reporting them as new and accurate each month, year after year.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I disagree with the account listed below which still appears on my credit report, even after you investigation.I would like this item immediately re-investigate.the inaccuracies are highly injurious to my.credit score and report.account name world XXXX XXXX XXXX account number XXXX In accordance with the fair credit Reporting Act, public, law 91-506, title VI, section 611, subsection AD, Please provide the name, and business address of each individual with whom you verified the follow up .Please send me an updated copy of my credit report after you reinvestigation
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

The FCRA 605B regulation necessitates the deletion of any erroneous records from my credit report. These records misrepresent my credit standing. I am entitled to {$1000.00} for each such erroneous record on my credit history.
Consumer complaint received 2024-05-09
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. (NJ)

This complaint is over 120 days and should be removed from my credit report because based on the fair credit report agency anything over 30 days or 45 days is noncompliant and must be removed from my credit report
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Crede Reporting act, The List of accounts below has violated my federaly protected consumer rights to privacy and confidentialty under 15 USC 1681. 
Account name : # XXXX loan services # last XXXX Account name : XXXX # last XXXX has violated my rights. 
15 U.8.C 1681 secsion 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 004 A Secion 2 : also states a consumer reporting agency can not fumish a account without my written instructions.

15 U.S.C 1681e. ( 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. 16815-2 ( AX1 ) A person shall not furrish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonabile cause to believe that the information is inaccurate
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MS)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

XXXX, Equifax & XXXX Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report.

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.

Items listed above, have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Remove Fraudulent Accounts Listed Below : Account Name : XXXX XXXX XXXX XXXX XXXX Account Type : Open, Account Type : Secured credit card, Date Opened : XXXX. XXXX, XXXX ( 10 mos ), Balance : {$1600.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Charge off, Account Type : Deposit Related, Date Opened : XXXX. XXXX, XXXX ( 10 mos ), Balance : {$110.00} Remove Fraudulent Inquiries listed below : XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (WA)

My Equifax account is showing delinquent payments on my federal student loans for over 120 days and I've never missed a payment. I disputed this through Equifax and my dispute did not correct this. When I attempted to redispute, I got a message saying I can't dispute something that has been disputed before. When I talked to my fed loan providers ( XXXX XXXX ), they said to dispute through Equifax. This is severely hurting my credit score and I feel like I'll never be able to get rid of this in a timely manner, please help!
Consumer complaint received 2024-05-10
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 U.S.C 1618. 

Account Account # Dept of EdXXXX XXXX Dept of Ed/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX Bankruptcy XXXX Bankruptcy 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 an account without my written instructions.

15 U.S. C. 1681 c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.