davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
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)

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 2023-09-18
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. (MN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

I just checked and reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-09-18
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. (NC)

This is my numerous 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 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 2024-05-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MD)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2018-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Credit score keeps dropping for no reason. Opened a new XXXX 's credit car and charged {$100.00} of which {$60.00} has been paid. I want to know why it has fallen 100 points when I have nothing derogatory on my report and all charges are paid on time??? Second request with no answer. Transunion had to correct the same situation 2 months ago and now XXXX  has lowered my score. It is a domino effect that snowballs.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Hey you guys are report a late payment on my credit I was never late the month of XX/XX/year> I have proof my payment was made in XXXX of XXXX  please correct this it harming my credit file.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Per 15 usc 6802, 16 cfr 313, 317 F. XXXX bank has a obligation to provide each consumer with proper notice on opting out of sharing non public personal Information to non affiliate 3rd parties. Which Congress has defined under title 15 of the US code. XXXX XXXX and TransUnion are Sharing my non public personal information without my consent. Per the fair credit reporting act as a federally protected consumer I am now opting out of any and all authorization i the consumer may have given you written unwritten verbal and non verbal per 15 usc 6802. Additionally, TransUnion has provided inaccurate information to my credit file on which XXXX XXXX has taken a adverse action against my account by closing it without reasonable compensation for the usage of my securities which I understand according to XXXX XXXX XXXX  filing with sec, XXXX XXXX is in fact XXXX out my account balance each much for the pooling of my securities. XXXX XXXX has fault their fiduciary obligation outline in there SEC XXXX filing. TransUnion has violated my rights by sharing my information without out my written or express consent which resulted in my account being closed. I believed the information TransUnion furnished to XXXX XXXX  without my consent which is required by federal law is inaccurate which is a violation of the fair credit reporting act. XXXX XXXX and TransUnion operating together in violation which financial gain unbeknownst to me constitutes fraud and XXXX. Per congress the Consumer Financial Protection Bureau has the responsibility to enforce the law. I will be seeking civil damages as favored under 15 usc 1692k. {$1000.00} per violation, which is for each time my credit information was shared and reported inaccurately. According to my records and the records of TransUnion my credit score is well above XXXX which also Congress never enacted a law requiring a credit score for the usage of credit which is my Credit to begin with from your company using my securities! The equal credit opportunity act states that any denial which is part of a consumer transaction is discrimination. Which in fact I have evidence which was sent by XXXX XXXX who Also stated where my information was shared from, lacking my consent violation of my privacy rights that are federally protected. I demand that my credit file be updated for XXXX XXXX to be updated to paid as agreed immediately. All rights reserved
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-05-06
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. (NC)

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b 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.
Consumer complaint received 2024-05-06
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)

Remove the following account from my credit report due to false and misleading information. XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting the wrong information such as the balance and account activity. I have included the response letter from the original creditor stating that the balance activity was last updated in XXXX, but you are reporting activity in XXXX. The payment information is also inconsistent between all 3 credit bureaus. This is a violation of the FCRA. Lastly, this account has been re-aged and is past the statute of limitations in the state of Texas. This debt has been uncollectible since XXXX. This account is to be removed from my credit report within 7 days of receipt of this complaint or I will move forward with my intent to sue. Please be aware that this is not a third party, and I am standing firm in my belief that your company is furnishing incorrect information causing harm to me as a consumer.
Consumer complaint received 2024-05-05
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (MD)

I have received several emails from this company, Fortiva, about a credit card that I did not open. They are now indicating that charges were made on the credit card and that I have a payment due. On XX/XX/XXXX, I informed the company that this was not my account and requested that they send a notice to me with verification that this was a valid account. I received no response. I filed disputes with XXXX and XXXX on XX/XX/XXXX.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Dear CFPB Representative. I recently reviewed my Equifax credit file, and noticed an inaccurate item. 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. 

The account : XXXX XXXX XXXX  XXXX is NOT COMPLETE AND ACCURATE. 

I sent a letter asking EQUIFAX to make sure everything is complete and accurate and TO PROVIDE HOW THEY VERIFIED THE INFORMATION. They sent my investigation back and said everything is complete and accurate, but everything is NOT COMPLETE AND ACCURATE, and according to 15 USC 1681i 5, they are suppose to do this : ( 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 THE ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER, OR MODIFY THAT ITEM OF INFORMATION, AS APPROPRIATE, BASED ON THE RESULTS OF THE REINVESTIGATION 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 THE INFORMATION HAS BEEN MODIFIED OR DELETED FROM THE FILE OF THE CONSUMER. 

And according to this law, they are suppose to provide me a DESCRIPTION OF THE INVESTIGATION according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by NOT LATER THAN 15 DAYS AFTER THE REQUEST from the consumer for that description. 

But AFTER MULTIPLE REQUESTS BY ME, they did not do that as well. Finally, according to 15 USC 1681s-2 they are suppose to : NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THAT PERSON KNOWS, OR HAS REASONABLE CAUSE TO BELIEVE, THE INFORMATION IS INACCURATE.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I am a XXXX member, veteran. I don't have a XXXX atm or branch near me. I used. XXXX XXXX ATM to make a deposit to my account. While deposting the {$1000.00} even to my account the ATM froze up, after it had taken my money and asked if I would liek to proceed. I then contacted XXXX XXXX who told me to take it up with my bank. I did, they can't do anything because the XXXX XXXX atm froze and my bank doesn't see the transaction on their end. XXXX XXXX refuses to help me as I am not a XXXX XXXX customer. I am unwilling to acceptnthey can't see the till over by XXXX and they can not see my transaction at the ATM. Please help me get my {$1000.00} back. There has to be video and accent recordings on the ATM.
Consumer complaint received 2018-05-07
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MO)

Wells Fargo falsely reported me to the all three credit bureaus during a disaster relief period and post disaster relief period. First in XX/XX/XXXX I requested an extension. I was granted a one month extension which ended up being a one month suppression of credit bureau reporting and payment due ( was not my understanding and I am in the XXXX ). After this was straightened out, I brought the account current at the end of last year. My XX/XX/XXXXpayment was returned illegible. This illegible payment took three weeks to be returned to me, no phone call. XX/XX/XXXX, I make both payments as soon as I was notified. All payments for XX/XX/XXXXhave been made on time and verified by Wells Fargo this morning, however, I have a letter and copy of the credit bureau showing they have reported me 30 days behindXX/XX/XXXX through XX/XX/XXXX( Completely incorrect ).
Consumer complaint received 2024-06-03
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: Experian Information Solutions Inc. (FL)

I looked at my report back on XX/XX/XXXX, 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. These accounts [ XXXX XXXX XXXX, [ XXXX XXXX ] are not complete and accurate.

I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

But they did not do that as well either. 

and according to XXXX XXXX XXXX they are suppose 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 inaccurate.
Consumer complaint received 2024-06-03
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. (TX)

I am writing to address the serious issue of a fraudulent accounts present on my credit report. It has come to my attention that there accounts listed under my name that I have not authorized nor have any association with. This is a significant error on your part, and I insist on its immediate removal from my credit report. I have submitted the required FTC report to the company associated with these accounts and they have already removed this from their records. Furthermore, other credit bureaus also deleted these accounts after receiving the supporting documents, The inclusion of these fraudulent accounts are not only unjust but also severely damaging to my financial reputation. It is entirely unacceptable that such an error exists on my credit report, and I will not tolerate any further negligence on your part. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
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)

In XXXX, I wrote to the consumer reporting agencies to let them know, that you can not report income on a credit report. I have since received no response and the income is still reported on my reports as " charged off '' By XXXX, XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX You can not report income. Please reference the Privacy Act of 1974.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

There was some unauthorized charges on my account. I am mediately notified them when I notice the unauthorized charges then they say the completely done investigation, and found no errors. The account is closed, now due to the fact of the fraudulent activity. Now I think they are reporting false information because I keep getting denied bank accounts.
Consumer complaint received 2024-05-01
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. (MS)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX