davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MA)

After reviewing my XXXX, XXXX and Equifax credit reports again, I have identified inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Consumer complaint received 2024-05-10
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. (GA)

I am a XXXX XXXX service connected VA veteran and i am having a issue with XXXX and EQUIFAX reporting a collection on my account from original creditor XXXX XXXX XXXX sold to XXXXXXXX XXXX XXXX XXXXXXXX # XXXX for a ambulance service taken me to the VA XXXX for XXXX XXXX  and XXXX risks when i was homeless. All my medical bills are paid thru the Dept. of Veteran Affairs from being XXXX XXXX  service connected. I am better now and care about my life and credit, and this is hurting me from getting a VA Loan for my house. Attached is my VA benefit letter, credit report, id and proof of residency. thank you
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. THIS ACCOUNT WAS NEVER MINE. I NEVER AUTHORIZED THIS ACCOUNT TO BE OPENED, THE PAYMENTS ALSO CAME FROM A FRAUDULENT ACCOUNT THAT AGAIN WAS OPENED FRAUDULENTLY. I DON'T KNOW WHO THIS PERSON IS, BUT I NEED THIS ACCOUNT TO BE REMOVED. I HAVE CONTACTED THE BUREAUS AND THE CREDITOR, I HAVE GONE TO THE FTC BUT NOW I HAVE NO CHOICE TO GO TO SMALL CLAIMS COURT, BECAUSE THIS IS NOT MY ACCOUNT, IT WAS NEVER PAID BY ME, IT WAS NEVER OPENED BY ME.
Consumer complaint received 2024-07-09
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. (VA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : 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 Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

on XX/XX/year> | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of thewrongperson.|
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.v
Consumer complaint received 2024-05-10
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. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, CA XXXX
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WV)

For 18 years now all three credit bureaus XXXX, Equifax, XXXX credit bureaus, have continued to deny me my rights to receive my credit report. At least three times a year I've requested it for 18 years XXXX gave it to me in XXXX but the minute I started disputing stuff they locked me out of it again. XXXX just sent me one this year only because of the complaints here and now they're blocking my ability to dispute stuff on my reports. Equifax has still yet to respond to me. I've sent all three credit bureaus copies of my ID and Social Security card notarized signed affidavit of Said copy of my ID and Social Security card. Yet they continue to deny me the rights that they are required by law to give me. Not only are they harming the very natures of my personal livelihood. They are also harming the very natures of my business XXXX XXXX XXXX XXXX Because without a proper and accurate credit report with a good credit score I can't get business funding. They know very well that is truthful, and know exactly what they're doing. As they continue this onslaught of disrespect and blatant violation of the laws CFPB I got to ask you at what point do you send all these complaints to the proper authorities. They are in violation of many laws at this point including my right to accuracy 15 USC 1681. But they just keep laughing like my life is just a joke. OKAY FINE ... I guess it's time to let a JURY decide. I mean really, someone is going to come to the CFPB And complained that they're not getting someone else 's credit report. Everyone else can get it, but I'm not allowed to have access. I sat down with a car salesman and he pulled my credit report right up no problem but me I'm not allowed to see it you continue to refuse me the actual owner of said credit reports, OKAY!
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)

I sent in letters to each collection company on my credit report stating my consumer rights being volitions and nothing was done its been over XXXX weeks already I sent in documentation regarding the LAWS and nothing was done. I need these accounts delete immediately! Its has caused me finical hard ship.
Consumer complaint received 2024-05-10
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: EQUIFAX, INC. (NC)

i have sent them a letter to remove inquiries that don't belong to me and I've also sent the letter to XXXX and XXXXXXXX XXXXXXXX Equifax was the only credit reporting agency that didn't remove them from my report when XXXX and XXXX did with that being so Equifax has to be in confluence with the other bureaus in removing these last 3 inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
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. (MD)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
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. (OK)

I have submitted disputes to XXXX, Equifax, and XXXX on how my student loans have been XXXX as of XX/XX/XXXX. However, XXXX, Equifax, and XXXX are still reporting balances on my student loans to Equifax and XXXX. As of XX/XX/XXXX, balances are still showing on my Equifax and XXXX credit reports. In addition, my credit report shows a comment that the creditor ( XXXX ) has been reporting the information correctly ; however, they are still reporting balances to Equifax and XXXX. Only XXXX reports my student loan balances correctly. 

Also, I have duplicate trade lines on my XXXX credit report : one line reflecting a balance ( still showing that it's serviced by XXXX ) and another line showing no balance. The duplicate trade line showing a balance needs to be deleted from my credit report. 

XXXX has been difficult to reach, and when I do reach them, they don't seem to be looking at the details ; rather they are sending general responses to my complaints. 

This is my second CFPB complaint against XXXX.
Consumer complaint received 2024-08-28
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. (MD)

I, XXXX XXXX, have been a victim of identity theft several times from XXXX to XXXX. I have had to dispute many credit card accounts and other services that were opened fraudulently in my name. In XXXX of XXXX I discovered an unauthorized XXXX XXXX  credit card reporting on my credit report as XXXX XXXX. I quickly filed a police report with the XXXX XXXX XXXX Police and filed an official FTC ID Theft Report. I sent a notarized copy of all documentation to all three major credit bureaus XXXX, XXXX, and Transunion. I requested that the XXXXXXXX XXXX XXXX account be blocked or deleted from my credit files due to it being a result of identity theft. XXXX and XXXX both honored my request to have the XXXX XXXX XXXX  account blocked from my credit report but TransUnion refused to remove the same fraudulent account. TransUnion claims to have verified the account but when I requested a method of verification, I received no response. This is a violation of FCRA 605 B.
Consumer complaint received 2024-05-10
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: EQUIFAX, INC. (IL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-20
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA 3 credit bureaus are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 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 2024-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

these items on my credit are not credit report i tried to send information concerning this but nothing has happened. There are 5 medical bills that is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-20
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: ALLY FINANCIAL INC. (MI)

I was never late. I paid my first and second payment through my bank. Ally started calling me in XXXX along with letters demanding a XXXX XXXX even though my payment cleared my bank. I have paid every month up to date. Ally ordered a repossession of my vehicle unless I paid cash through a XXXX XXXX. They took my XXXX  to an Auction Site in XXXX Michigan. I had yo get an XXXX to go pick it up and pay cash. Ally keeps changing my credit file. And payment history. They add charges, late fees and dont explain what they are. I have all receipts of my payments. 

This is not right.
Consumer complaint received 2024-05-11
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)

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. 

I told XXXX, XXXX, and Equifax to reinvestigate these account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
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. (NY)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-05-10
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: EQUIFAX, INC. (NY)

There are several inquires on my credit report that I did not authorize. However I felt it wise to send a letter, opting out of any and all consent to all the companies in the following attachments. 
As a result, Equifax needs to remove the inquires in the following attachments from my credit report immediately.
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

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 — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Original complaint : There are XXXX XXXX XXXX XXXXt accounts on my credit report that are reporting inaccurate information. XXXX XXXX Credit bureau or XXXX XXXX XXXX is claiming that these accounts were closed in XXXX of XXXX which is incorrect. they had previously claimed they were closed in XXXX of XXXX which is also incorrect. In fact both of these accounts were closed in XXXX of XXXX. Attached are the XXXX bureau credit reports from XXXX of XXXX which clearly state that both of the XXXX XXXX XXXX accounts are closed. This is very deceptive and costly and would like these XXXX accounts removed from my XXXX XXXX credit report. I have disputed this with XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX stated as accurate. XXXX XXXX XXXX never responded. I recently found the credit reports form XXXX to solidify my claim. 
ACCOUNTS WERE UPDATED TO ACCOUNTS CLOSED IN MARCH 0F XXXX WHICH IS STILL INCORRECT! 
ACCOUNTS WERE CLOSED IN XXXX!!