davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-05
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. (TN)

In accordance with the FCRA, I am not liable for these debts. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
( XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXXXXXX XXXX XXXX XXXX  ) ( XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX # XXXX ) has all violated my rights. 
15 USC 1681 section 602 A. states I have the rights to privacy.

15 USC 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without any written instructions.

15 USC 1681 c. ( 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 crimes which antedates the report by more than seven years.

15 USC 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.

Also, I have not supplied proof under the doctrines of estoppel by silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists or is verifiable.
Consumer complaint received 2023-12-05
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)

I am writing to dispute the validity of the debt associated with the accounts reported by XXXX XXXX XXXX XXXX XXXX the credit reporting agencies. I have strong reason to believe that this alleged debts is fraudulent, and its inclusion in my credit report is both inaccurate and damaging to my creditworthiness. As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive validation and verification of this debt upon request. I hereby request that you provide me with all necessary documentation validating the debt, including a copy of the original contract or agreement, any statements reflecting my obligation, and the chain of ownership demonstrating how you acquired the alleged debts. All accounts listed in XXXX are opened not by me and follow the law must be removed from credit report immediately. Furthermore, I request that you cease all collection activities related to this account until you have provided the required validation. Any failure to comply with this request within the stipulated timeframe may result in legal action, including but not limited to a lawsuit for violations of the FDCPA and FCRA. Please be advised that I am aware of my rights under the FDCPA and FCRA and will not hesitate to pursue legal recourse if necessary. Additionally, I have already filed a report with the Federal Trade Commission ( FTC ) and law agency regarding this fraudulent account. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2024-05-13
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. (AL)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. XXXX the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (PR)

Dear Consummer Protection Board Official, Summary : Looking to my credit card account with Chase Bank ( VISA XXXX ) at chase.com, I noted that the amount of {$540.00} was debited three times to my credit card account for a total debit of {$1600.00}. However the amount of {$540.00} was credited two times to my credit card for a total credit of {$1000.00}. Thus Chase Bank debited my credit card fraudulently for the amount of {$1600.00} - {$1000.00} = {$540.00} without any parchase done. 

Facts : I tried to make an XXXX purchase on XX/XX/2020 for the amount of {$540.00}. This purchase was immediately canceled by the seller at the request of the same seller. After canceling the purchase order, the seller immediately reimbursed my credit card for the amount of {$540.00}, leaving the transaction at XXXX. However, Chase Bank debited my credit card three times and credited my card two times and now when adding and subtracting, Chase Bank appears charging or debiting my credit card fraudulently for the amount of {$540.00}, when it must be XXXX, because there was no purchase because the seller canceled the order and refund the amount of {$540.00}. 

Please review this as soon as possible and order Chase Bank to credited my account for the amount of {$540.00}. The transaction total must be XXXX because there was no purchase. 

The following are the transaction as noted in my credit card statement ... 

XXXX XXXX XXXX XXXX + {$540.00} XXXX   XXXX XXXX XXXX XXXX {$540.00} XXXXXXXX XXXX XXXX XXXX - {$540.00} XXXX XXXX XXXX XXXX + {$540.00} XXXX XXXX XXXX XXXX XXXX {$540.00} TOTAL IN TRANSACTIONS + {$540.00} ( SHOULD BE XXXX BECAUSE THERE WAS NOT PURCHASE. 

Thanks XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number : XXXX
Consumer complaint received 2023-11-07
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-13
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-12-05
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. (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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-12-05
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. (CA)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Subject : Urgent Dispute of Persisting Inaccuracies on My Credit Report - FCRA Request Dear Sir/Madam, I hope this letter finds you well. I am writing to you for the third time with an increasingly heavy heart regarding the unresolved discrepancies in my credit report. Despite my previous attempts to rectify these issues, the inaccuracies persist, causing undue distress and impacting my financial well-being. 

Address Discrepancy : Address : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Explanation : This address, which I have never inhabited, continues to mar my credit report, despite my repeated requests for its removal. The Fair Credit Reporting Act ( FCRA ) safeguards my right to an accurate credit history, and I implore you to please eliminate this erroneous entry from my XXXX report. 

Incorrect Employer : Current Employer : XXXX XXXX XXXX Incorrectly Reported : XXXX XXXX XXXX XXXX XXXXXXXX Explanation : My employment at XXXX XXXX XXXX remains erroneously reported as XXXX XXXX, XXXX XXXX XXXX. This misrepresentation adversely affects my credibility. I beseech you to rectify this discrepancy in compliance with FCRA guidelines across all credit bureaus. 

Late Payment Inaccuracy ( XXXX ) : Account : XXXX  Account number XXXX Discrepancy : Discrepancy in dates of late payments and account activity among credit bureaus. 
Explanation : The inconsistency in reporting my XXXX XXXX  account undermines the accuracy of my payment history. Despite my assurances of timely payments, these errors persist. Please rectify these discrepancies promptly to ensure the fidelity of my credit report in accordance with FCRA regulations. 

Unauthorized Inquiries : XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX  - XX/XX/2023 XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX  - XX/XX/2023 XXXX XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX  - XX/XX/2023 XXXX XXXX  - XX/XX/2023 Explanation : The multiple unauthorized inquiries continue to cast doubts on the integrity of my credit report. I have no recollection of authorizing these inquiries and suspect potential fraudulent activity. It is my right under the FCRA to dispute and request their immediate removal to safeguard the accuracy of my credit profile. 

I earnestly plead with you to investigate these persistent discrepancies diligently and rectify them without further delay. Enclosed once again are documents substantiating my claims, affirming my correct address and employment details. 

Your immediate attention to this matter, acknowledging my rights under the FCRA, would alleviate my deep concerns. I implore you to expedite the resolution of these disputes and provide written confirmation upon their rectification. 

I am truly grateful for your assistance and eagerly anticipate your swift response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-22
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. (LA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2020-08-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM IN THE PROCESS OF PURCHASING A HOME AND WAS PROVIDED A FULL COPY OF MY CREDIT REPORT. AFTER VERIFYING MY REPORT, I NOTICED SEVERAL UNRECOGNIZED NEGATIVE ITEMS THAT ARE PREVENTING ME FROM OBTAINING A MORTGAGE. 

I DID SOME RESEARCH ON THE CFPB WEBSITE AND FOLLOWED THE STEPS TO HAVE THESE ACCOUNTS VALIDATE AND/OR DELETED FROM MY REPORT. FOUR MONTH LATER I FIND MYSELF WITH LITTLE TO NO RESPONSE FROM THE  BUREAUS. THEY HAVE NOT RESPONDED TO SEVERAL LETTERS I SENT AND HAVE NOT PROVIDED DOCUMENTATION TO CLARIFY/SUPPORT THESE ACCOUNTS. 

I HAVE PROVIDED ALL THE DOCUMENT NEEDED TO PROCESS MY REQUEST WITH NO SUCCESS. PLEASE FIND THESE DOCUMENT ATTACHED TO MY DISPUTE.
Consumer complaint received 2023-12-05
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. (GA)

I am writing to address a matter of utmost concern regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that EQUIFAX conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Consumer complaint received 2024-08-06
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. (PA)

I am writing to file a formal complaint regarding several accounts that appear on my credit report, specifically under the names of XXXX XXXX XXXX  XXXX ) and XXXX XXXX XXXX ), which are reporting late payments with a XXXX balance, as well as XXXX XXXX ( XXXX ), which is reporting a charge off. I request the validation and verification of these accounts, as well as certified evidence demonstrating where I granted my consent for these accounts to be reported on my credit history. Based on this information, I believe these accounts are violating Title 15 of the United States Code in the following sections :
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-05-13
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)

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX XXXX Owed : {$470.00} XXXX  XXXX XXXX Balance Owed : {$750.00} XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXXXXXX XXXX XXXX  Balance Owed : {$520.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (PR)

American Express Closes my account for previous return payments, caused by my bank having my funds in hold. I asked amex to reopen my account and they dont want. They are breaching the contract of my both cards the hilton honors and XXXX XXXX. The agreement says : {$25.00} if your Account is cancelled, you ask us to re-open it, and we do so. If Amex dont comply with the agreement by reopening my both accounts, I want a debt forgiveness caused by the breach of contract.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

My credit report shall not reflect transactions made between consumers and the person making the credit report. This is in violation of the FCRA 15 USC 1681a ( 2 ) ( A ) ( i ) My credit report shall not show charged off accounts having a balance. This is in violation of the FCRA 15 USC 1681a ( 2 ) ( A ) ( i )
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

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 2024-05-13
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 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated names ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX are still listed under my personal information.