davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, & Equifax continues to report the account XXXX Account # XXXX incorrectly which causing me significant harm. They keep claiming to verify the account as accurate but they have provided no evidence that they even completed a reasonable investigation into my claims. The account can not be reporting as charge off because banks and financial institutions are insured under FDIC and does not incur any losses. The consumer agencies are not following federal law and their internal policies does not override law. This is my final attempt to get them to remove this account or take this as legal notice that I sue each consumer agency independently for various violations of federal law.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

Submitted documentation for name change in XX/XX/XXXX and XX/XX/XXXX. Second request was approved but have not been able to view credit report. Called equifax customer service and they claimed my name was updated in their system and website was a glitch, and that it would updated on the website within a week or two. Emailed Equifax customer service on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and did not receive a response. 

Attempted to view credit report on myfico today ( XX/XX/XXXX ) and could not view report due to equifax reporting old name. Checked XXXX and all old disputes have been deleted and name has been reverted. Resubmitted dispute and documentation, waiting to hear back.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been lied to by XXXX. I asked them to investigate this account on my report because it is inaccurate but they are refusing to remove it after I have provided documentation that this account is inaccurate.
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting and XXXX account numbers : account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX has violated my rights. 

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

15 U.S.C. 1681 604 A. Section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666 B. A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any reason.
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: EQUIFAX, INC. (NC)

Subject : Credit Reporting Agencies XXXX, XXXX, Equifax for Violation of Consumer Rights Dear Sir/Madam, I am writing to file a complaint against Credit Reporting Agencies XXXX XXXX XXXX, and Equifax for their violation of my consumer rights regarding the reporting of my non-public personal information, despite my explicit request to opt-out. 

On XXXX XXXX, I exercised my right to opt-out from the reporting of my non-public personal information by sending in writing a notice to XXXX XXXX XXXX XXXX ( attached for reference ). This action was taken in accordance with the provisions outlined in applicable consumer protection regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ). 

Despite my explicit request to opt-out, I have recently discovered that Credit Reporting XXXX XXXX XXXX, Equifax continue to furnish information related to my account with XXXX XXXX XXXX XXXX on my credit report, including non-public personal information that I specifically opted out from being reported. This persistent reporting of non-public personal information by Credit Reporting XXXX, XXXX, and Equifax is a clear violation of my consumer rights and undermines the integrity of my credit profile. 

I want to emphasize that my decision to opt-out from the reporting of non-public personal information is a fundamental right afforded to consumers under consumer protection laws. By disregarding my explicit request, Credit Reporting XXXX, XXXX, and Equifax have not only violated my consumer rights but have also compromised my privacy and financial security. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Credit Reporting XXXX, XXXX, and Equifax cease the unauthorized reporting of my non-public personal information on my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and work towards a swift resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2023-04-18
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: EQUIFAX, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

First of all Equifax keeps taking my score down and Im paring all my creditors on time as agreed. Equifax recently took my credit score down XXXX points. Ever since I opened a XXXX XXXX Credit card my credit score has decreased by the XXXX. 

XXXX  reasoning for this low score is very contradicting.. Equifax, XXXX XXXX XXXX XXXX are affecting peoples ability to qualify for decent housing and transportation, which affects peoples ability to earn a living. 

Its a shame how my credit score is being decreased in such large numbers in such short period of time. Reaching out to these credit reporting agencies to no good. They continue to side with the merchant. Lets face it, they stand to make money if you feel forced to monitor your credit. This is so unfair. I feel like more than just my credit rights are being violated by all three agencies. 

Please see emails from XXXX inviting to apply with XXXX XXXX. Only emails I received from Equifax are emails trying to encourage me to take loans and sign up for their membership plan, advertisements, money marketing. See attachments One thing about resolution, you cant get it from these credit reporting agencies. No resolution abd no cooperation. Its senseless referring consumers back to them. Who is regulating them to be sure they are updating information and being fair, not deceptive and negligent.
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: EQUIFAX, INC. (NY)

I RECENTLY REVIEWED A COPY OF MY CREDIT HISTORY AND CAME ACROSS FRAUDULENT TRANSACTIONS, PLEASE REMOVE THOSE ACCOUNTS FROM MY CREDIT REPORT. SO I CAN HAVE CREDIT
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Request for Expedited Removal of Unauthorized Credit Inquiries Due to Identity Theft Dear Sir/Madam, I am writing to formally request the urgent removal of unauthorized inquiries from my credit report, maintained by Equifax, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and following an unfortunate incident of identity theft that I have recently experienced. 

On XX/XX/XXXX, I discovered multiple credit inquiries on my report that I did not authorize. These inquiries are adversely affecting my credit score and may potentially have broader implications on my financial health. Under 15 U.S.C. 1681c-2 of the FCRA, which relates to identity theft, I am entitled to an expedited process in resolving issues stemming from such criminal activities.

Attached to this letter, you will find a copy of the Identity Theft Report filed with [ Specify the Authority, e.g., local police department, Federal Trade Commission ], which details the nature of the theft and supports my claim of these inquiries being fraudulent. 

Given the clear evidence of identity theft and in accordance with the FCRA guidelines that mandate the removal of any information related to fraud from a consumer 's credit report, I respectfully request that the CFPB intervene to ensure that Equifax addresses this matter with the urgency it warrants. Specifically, I seek the removal of the unauthorized inquiries within five ( 5 ) business days from the date of this request, to prevent further damage to my credit and personal finances.

Please find below the details of the unauthorized inquiries for your reference : I trust that the CFPB will assist in rectifying this matter swiftly. Please do not hesitate to contact me at XXXX or XXXX should you need any more details or documentation to facilitate the resolution of this issue. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am disputing and investigating these wrong accounts on my credit file, I should get {$1000.00} for each mistake under the Fair Credit Report Act, FCRA 6058 says we must report wrong accounts on credit report.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (RI)

Please have equifax remove this report from my credit report. XXXX its self admitted to the account being fraudulent. Please remove it as soon as possible. Thank you. I have picture of all of the other bureau not reporting except equifax and XXXX admitting the account was fraudulent.
Consumer complaint received 2023-04-12
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: EQUIFAX, INC. (DC)

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 XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX**** Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or 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 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-10
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)

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : AFFIRM XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am disputing and investigating these wrong accounts on my credit file, I should get {$1000.00} for each mistake under the Fair Credit Report Act, FCRA 6058 says we must report wrong accounts on credit report.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate hard inquiries listed on my credit report. Upon reviewing my credit file, I discovered several hard inquiries that I did not authorize or initiate. These inquiries have negatively impacted my credit score and financial standing, and I request your assistance in rectifying this matter. 

Hard inquiries and the date reported on XXXX : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX Please include this address, I never lived there : XXXX XXXX XXXX, GA XXXX Hard inquiries and the date reported on XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX Hard inquiries and the date reported on Equifax : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Despite my efforts to address this issue directly with the credit reporting agencies, the unauthorized hard inquiries remain on my credit report, causing ongoing distress and concern. I believe this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to ensure the accuracy of the information they report. 

Therefore, I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to remove the unauthorized hard inquiries from my credit report. Additionally, I request that the offending parties be held accountable for any violations of consumer protection laws. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized hard inquiries, as well as any supporting documentation I have available. Please let me know if you require any further information to proceed with your investigation. 

I appreciate your prompt attention to this matter and look forward to a resolution that restores the accuracy and integrity of my credit report. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I was XXXX on XXXX XXXX & entered the XXXX XXXX XXXX XXXX. I was released on XXXX upon my release I became aware that I became a victim of identity fraud. there were a serious of accounts opened in my name using my personal information without my consent. The accounts are listed as follows XXXX XXXX account XXXX. XXXX XXXX XXXX account # XXXX & XXXX XXXX XXXX  account # XXXX all these accounts are fraudulent & I have filed & provided a police report as well as provided a letter of XXXX stating I was XXXX
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Complaint Description : I am filing this complaint against Experian because they have not accurately reported my personal information on my credit report. I am entitled to a fair and accurate credit report and my personal information should be top priority. 

Incorrect Personal Information : The personal information that Experian is reporting inaccurately includes incorrect name, incorrect address, incorrect employer. Specifically, the following details are incorrect : Not my name : XXXX XXXX XXXX Not my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Not my address : XXXX XXXX XXXX XXXX XXXX, XXXX, Co XXXX Not my employer : XXXX XXXX Not my employer : XXXX Attempts to Resolve : I have attempted to resolve this issue by contacting Experian through mail, but I have not received a satisfactory resolution or explanation for why my personal information has not been updated correctly.
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: EQUIFAX, INC. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CBNA/BBY Date of inquiry : XX/XX/year> Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am writing to dispute the accuracy of this account on my credit report. Upon reviewing it, I discovered inaccuracies that need immediate attention. 

Firstly, this account was not part of any bankruptcy proceeding and should not be reported as such. Secondly, the balances reported for this account is incorrect and do not reflect the actual amounts owed : There was an error in reporting this account, and I request they be removed or updated to reflect their accurate status. I understand the importance of maintaining accurate credit information and ask that you conduct a thorough investigation into this matter. 

XXXX, XXXX. XXXX