davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
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. (GA)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2024-05-08
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 (AR)

I am reaching out about a payment on my card that is coming from XXXX. The last email I have from that company is from XXXX of XXXX regarding the deferral of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been charged {$20.00} as far back as XX/XX/XXXX and it has hit at the same time as many other bills on auto draft so I had missed this until last month and when I contacted who I thought it was connected with to cancel, I did so. Only to find out this month when it happened again that it was from this source and not the one I thought it was from. When I log on to XXXX  account I have no form of payment saved to my wallet so I am unsure how a monthly {$20.00} payment is being made without a payment option to my account. The last registration I have with my account of XXXX is from XX/XX/XXXX for the deferral but the price is {$0.00}. My account even states that I have a standard account which is free when I go to my profile. The odd thing also is that their XXXX XXXX XXXX subscription is for XXXX which is less than the {$20.00} a month I have been charged for 2 years.
Consumer complaint received 2024-05-08
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)

I received a copy of my credit report and found the following inaccurate items which are reporting in error : Under 15 U.S. Code 1681 ( e ) ( b ) Accuracy of report 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. 

15 U.S. Code 1681i ( 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.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (IL)

This is XXXX XXXX and I am submitting this coomplaint with the help of the Consumer Financial Protection Bureau to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of being reported on my Credit File. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ), XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from the fraud, not later than 4 business days after the date of receipt. Please block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information.
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which are found to be opened due to identity theft. The dispute item does not belong to me. Im attaching the required FTC Report for you. Please remove this file. If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX  XXXX
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Please consider this a formal Request for Early Exclusion of the Accounts below from my Credit Report. Please investigate and correct inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments 1. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

2. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

3. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

4. DEPT OF EDUCATION/XXXX : XXXX Paid, Closed. 

5. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

6. DEPT OF EDUCATION/XXXX : XXXX Paid, Closed. 

7. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

8. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

9. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

10. DEPT OF EDUCATION/XXXX : XXXX Paid, Closed. 

11. DEPT OF EDUCATION/XXXX : XXXX Paid, Closed. 

12. DEPT OF EDUCATION/XXXX : XXXX Paid, Closed. 

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes a reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely,
Consumer complaint received 2024-05-08
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. (NC)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-02
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. (OH)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

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 XXXX, 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Regarding Failure to Reinvestigate Disputed Late Payment Account with XXXX XXXX XXXX, XXXX. 
Dear Sir/Madam, I am writing to formally lodge a complaint against Experian and XXXX for failing to properly reinvestigate a late payment inaccurately reported on my credit report by XXXXXXXX XXXX XXXX XXXX XXXX. 
The account in question is under my name, XXXX XXXX XXXX XXXX, with the account number XXXX. My date of birth is XX/XX/XXXX, and the last four digits of my Social Security Number are XXXX. 
The dates in question related to the disputed late payments are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Previously, I contacted XXXX XXXX XXXX, XXXX. directly, requesting the correction of this erroneous information. However, despite my request, both Experian and XXXX have not conducted a thorough reinvestigation nor corrected the error, which is a violation of my rights under 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). 
The failure of Experian and XXXX to correct this incorrect information has negatively impacted my credit history and is a direct violation of my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). Despite following the necessary procedures with both XXXX XXXX and these credit bureaus, the inaccurate information remains on my report. 
I request that you review this case and take the necessary actions to ensure that Experian and XXXX, along with XXXX XXXX, comply with their legal obligations. It is essential that this incorrect information is removed from my credit report to correct the damage caused to my credit score. 
Thank you in advance for your attention to this matter, and I look forward to a prompt resolution. I am willing to provide any additional information needed to support my case. 
Please confirm receipt of this complaint and provide an update on the status of my case as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-16
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. (PA)

I have been trying to remove the lates on these accounts as I've said that there has never been late on these payments with the accounts and the balances are reporting differently on bureaus they're not investigating it very well. They can not give me a fully accurate reporting might as well just remove the accounts. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}
Consumer complaint received 2024-09-02
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. (NY)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2024-05-09
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. (FL)

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 2023-08-31
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)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 2024-05-09
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 am a known victim of identity theft. I followed all of the procedures correctly to remedy the situation. I filled all of the reports I was supposed to with the authorities and sent them off to the credit bureaus with my ids and everything but it has been over 90 days and they have not responded to n eat all. I kjno wthat this is illegal. Please help me! This is causing me a lot of harm.
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (TX)

I affirm that the information provided above is accurate and true to the best of my knowledge. I acknowledge that any false statements or omissions may result in legal consequences, including penalties for perjury as defined by the laws of the United States, whether conducted within or outside the country. Furthermore, I confirm my legal authorization to pursue this dispute under both federal and state legislation.I am aware that the inclusion of major factual errors or omissions constitutes a federal offense punishable under 18 U.S.C. 1001. Similarly, making false statements is prohibited by 18 USC 1621. It has come to my attention that certain items in my credit report are unrelated to any transactions I have personally conducted. I assert that someone or an organization has improperly utilized my personal identifying information without my consent to apply for goods, services, or financial resources.If you believe that I have indeed received the goods or services in question, I kindly request a senior official from your company to verify, under penalty of perjury, that I have indeed obtained them. It has been unlawful for these businesses to engage in aggressive inquiries and include unauthorized accounts on my credit report. These actions have caused significant stress and distress for which there is no justifiable reason. I want to emphasize that I did not authorize these accounts or the associated hard inquiries, as they do not belong to me. I implore you to thoroughly investigate this matter and promptly remove these erroneous entries from my credit report. These items are not showing from the other credit bureaus I implore you to please remove these items immediately.
Consumer complaint received 2018-04-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

On XXXX XXXX we payed off Title Loan. We had our Boat with trailer and a XXXX XXXX XXXX on Loan. We Received Title back on Boat and Trailer but not on XXXX. I have tried to contact them three times to obtain Title back, to no avail. Once by phone, once by letter and once by E-Mail. Title is suposed to be returned to us i believe after three days, They claimed when we called that DMV was slow and to wait- however we had already received title on Boat and Trailer. Other attempts to rectify have been ignored. it is now 3 plus months.
Consumer complaint received 2024-05-09
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. (NJ)

In accordance with the Fair Credit Reporting Act. # XXXX, # XXXX 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 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 2024-05-09
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)

This account was closed on the following date : ( XXXX ). Since then, the account has repeatedly been updated as current every month. This is an updated in the payment history. A closed account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. A am demanding a deletion on the following account : XXXX Account no. : XXXX