davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-04
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. (CT)

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give, nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely.

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Consumer complaint received 2024-06-12
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 wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

I am writing to formally dispute the inaccurate and inconsistent information. The discrepancies and inaccuracies are concerning and require immediate action. I request the immediate deletion of these accounts or, at the very least, the removal of the erroneous late payments. Below, I outline the specific issues and the relevant laws that support my request for accurate reporting and possible compensation for the harm caused by these inaccuracies. 

According to the precedent set in XXXX v. XXXX, XXXX XXXX XXXX ( XXXXXX/XX/XXXXXXXX ), it is the responsibility of the credit reporting agency to ensure the accuracy and integrity of the information they report. The failure to do so not only violates the FCRA but XXXX also lead to potential liability for damages. 

Furthermore, in XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court emphasized the importance of a reasonable investigation into disputed information. I believe that the inaccuracies in my report warrant a thorough review and correction. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Report : Date Closed : XX/XX/XXXX Last Payment Made : XX/XX/XXXX. 
Experian Report : Date Closed : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Date of First Delinquency ; XX/XX/XXXX Date of First Delinquency : XX/XX/XXXXXX/XX/XXXXXXXX Report : Open Date : XX/XX/XXXX XXXX Report : Open Date : XX/XX/XXXX XXXX BANK XXXX Report : Last Payment Made : XX/XX/XXXX Experian Report : Last Payment Made : XX/XX/XXXX XXXX Report : Last Payment Made : N/A These names, addresses and phone numbers are inaccurate and inconsistent information XXXX Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXXXX/XX/XXXXXX/XX/XXXXXXXX Address ID # XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Under 15 U.S. Code XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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. 

I never gave anyone consent to furnish this information therefore you are in violation of the FCRA. 

Filed report with XXXX Reference XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please be advised that XXXX and TransUnion keep on violating 15 U.S.C. 1681. they are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of their re-investigation, they stated that it was verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? They do not provide me with the name of that individual, their business address, and telephone number. they are also reporting that this account is an individual account and as per the creditor this account is for a business. I am not a business and therefore this is identity theft.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have just obtained a copy of my credit report and noticed the following errors : 1 ) XXXX XXXXXXXX Bancruptcy DISMISSED THIS is an error and Lao. Violation of my consumer rights. I have documentation stating this has been dismissed and should not be reporting on my credit report. 

15 US Code 1692g-Validation of debts, states if after any reinvestigation of any form of dispute by a consumer, and item is found to be incorrect or inaccurate, the reporting agency shall DELETE THAT ITEM OF INFORMATION FROM THE FILE. Kindly DELETE the outdated bankruptcy chapters and Cole tions from my consumer report as soon as possible.
Consumer complaint received 2024-06-11
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. (TX)

Remove account involved in litigation " an incorrect high balance '' an inaccurate date of last activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- XXXX XXXX, XXXX  Phone ( XXXX ) XXXX Account Number : Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

and Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of Inquiry : XX/XX/2024 Please Remove It From My Credit Report. 

Remove all non-account holding inquiries associated with fraud and identity theft
Consumer complaint received 2024-06-11
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. (TX)

Remove account involved in litigation " an incorrect high balance '' an inaccurate date of last activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX, XXXX  Phone ( XXXX ) XXXX Account Number : Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

and Did not consent to unauthorized inquiry XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> Please Remove It From My Credit Report. 

Remove all non-account holding inquiries associated with fraud and identity theft
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SAN DIEGO COUNTY CREDIT UNION (CA)

Ive been charged XXXX $ a month since XX/XX/year> now by a company named self. inc ( formally XXXX XXXX XXXX ) I contacted my bank ( SDCCU  ) but they can only return 2 months worths of payments. It's been 2 years worth of payments even though I never signed up for this service. My guess is that someone put my debit card on their account so they can help their credit score. The company itself offers no help other than suggesting you contact your bank. But again my bank won't return all the money that got taken out for 2 years. Also they're aware that people use their service as a scam yet they offer no help.
Consumer complaint received 2024-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

Equifax Received letter from XXXX about my credit score which had reduced and listed four areas of difficulty. Called them and got a foreign operator who was not fluent in English both in verbal communication and in comprehension. Finally he tried to sell me a service to monitor my credit which I declined. I am XXXX XXXX XXXX and pay everything my autopay. In the last 3-5 years I have not purchased any item which should flag my report. The representative could not explain any reason for this only that is how a score is generated every month. So sad that this may be happening to me but also to others because of an unknown. I have a mortgage, insurances, credits cards all on auto pay. Have never received a late notice in years. I do have some unused credit cards but have been told that if I close them it affects my rating so i just hold them. Also I was on hold for Equifax for over XXXX minutes. Just thought I should contact someone.
Consumer complaint received 2024-06-10
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. (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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I just pulled me XXXX bureau credit report for the first time in a long time and noticed there was a collection account reporting on my credit report that is not mine. The collection agencies name is XXXX. XXXX, XXXX. They are collecting on behalf of XXXX XXXX. I've reached out to their fraud department and the rep confirmed that my address is not matching up with the address where someone stole my information to obtain service at. I was told to obtain an ID Theft Police Report to have this negative permanently deleted from my XXXX bureau Credit report. 
Below is the collection agencies information that I would like to have permanently deleted from my XXXX XXXX Credit Report : XXXX XXXX XXXX XXXX - Account Number : XXXX
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate these items was in dispute within 30 days now these items in violation. 
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 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith purs
uant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Equifax is continuously reporting FRAUDELENT AND INACCURATE information after being notified orally, via mail and electronically that Consumer 's Credit file has these discrepancies. Pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors ; A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Equifax is reporting an inaccurate name, an inaccurate address and several inquires including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Consumer has suspicion their information has been compromised by EQUIFAX, therefore therefore Consumer has filed an Identity Theft Report with the FTC. Section 605b focuses on blocking information on a consumers credit report that is the result of their identity being stolen. Once the consumer has provided the needed documentation to the credit bureau, the bureau first must block the information within four business days of the consumers initial report and submission of proof of identity theft. Then, the credit bureau must notify the furnisher of the information that it has been blocked due to identity theft. Once the information has been blocked and the furnisher has been made aware of the situation, the credit bureau must follow up with the consumer and provide final confirmation.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required
by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally file my complaint regarding the incorrect reporting of a late open accounts on my credit report. Despite multiple attempts to resolve these issues through direct communication with the credit reporting agencies and the creditor, the error remains unresolved. Accurate credit reporting is critical, and the continued presence of these errors are causing significant harm to my creditworthiness and personal stress. Despite my repeated efforts to correct these mistakes, the credit reporting agencies have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ). I am relying on on you to intervene and ensure this inaccuracy is rectified promptly. Given the persistence of this error despite my efforts, I am seeking for your assistance to : 1. Conduct a thorough investigation into the reporting of this account.

2. Ensure that the credit bureaus and the creditor involved take the necessary corrective actions to accurately reflect the account status as closed with timely payments. 3. Provide a clear resolution and timeline for the correction of these errors. 
Please help me correct the accounts right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX