davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.
Consumer complaint received 2024-09-04
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. (SC)

Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I a victim of a form of trafficking in persons under 22 U.S.C. {$7100.00} ( 11 ) or trafficking under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142. My credit report was affected by debt bondage.
Consumer complaint received 2024-05-11
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. (PA)

In account 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, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : N/A # XXXX has violated my rights. I looked at my XXXX credit report on XX/XX/2024 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( XXXX  ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX  ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 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 2024-05-11
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. (OH)

I am demanding that you remove all inaccurate accounts from my credit profile in the next XXXX ( XXXX ) days or I will have no other recourse but to file an injunction against your agency under XXXX which makes you financial liable for each inaccurate account. Also, under XXXX Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the XXXX. Please delete the following unverified fraudulent account : XXXX XXXX XXXX$240.00} THIS ACCOUNT IS A ERROR XXXX, XXXX MISSING INFORMATION. THIS ACCOUNT WAS NEVER VERIFIED ERROR FRCA XXXX VIOLATION PLEASE DELETE UNRECOGNIZED ACCOUNT
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I keep a freeze on my credit report accounts. I lift the freeze for credit checks and reinstate the freeze after the unfreeze is no longer needed. 

My need for a reinstatement of a freeze coincided with an action by an online company out of XXXX. I was able to reinstate the freezes ahead of the original XXXX unfreeze that I had originally requested with XXXX and XXXX. I was also able to talk to agents who helped. 

When I tried to do the same with Equifax I was unable to talk to an agent - no matter which number I called or which button I pushed. I was asked questions about old phone numbers that had to be XXXX XXXX XXXX, since I moved out of that area code XXXX  years ago. I was asked about credit from before the pandemic. 

The options I was given did not allow me to reinstate the freeze - an agent would have saved me time and closed the window of opportunity for fraud to occur from that XXXX online, no phone number company. Equifax may as well not have a phone number, because it was impossible to get through to an agent- it was AI all the way.
Consumer complaint received 2023-12-21
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: Experian Information Solutions Inc. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-11
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. (SC)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-11
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. (SC)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/2024, XX/XX/2024 ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-05-11
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)

XXXX XXXX ( XXXX ) XXXX XXXX, 2024 XXXX XXXX XXXX ( XXXX ) XXXX XXXX, 2024XX/XX/XXXXXXXX XXXX, 2024 XXXX XXXX ( XXXX ) XXXX XXXX, 2024 XXXX XXXX XXXX ( XX/XX/XXXXXX/XX/2024 2024
Consumer complaint received 2024-05-11
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. (SC)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> XXXX 2024 ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-05-11
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. (FL)

Someone stole my personal information and opened credit cards without my knowledge. The way I found out I had a XXXX XXXX credit card was through XXXX XXXX. I called XXXX and after reporting the incident the lady over the phone told me someone made a purchase with a physical card I did not know it existed.YesterdayI called XXXX because my credit scores went down and they told me the fraud case was declined because they used a physical card. I asked them how can they honor a large purchase which I have never made without id.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

Timely payments are a certainty for me. However, I find it puzzling why this company occasionally marks certain months as late, which doesn't align with my records. According to XXXX XXXX, any billing discrepancies should be promptly corrected and reflected accurately.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

I have been trying to get my credit report and score from Equifax for over 30 days. As of today XX/XX/year> I still cant access it. I contacted customer service on XX/XX/year> and the agents were extremely rude over the phone. They told me I have no file when I know for a fact I do. I can access XXXX and XXXX. Equifax is causing a hold up in my home buying process. Trying to gain access to a report that I should be able to legally and cant has caused emotional distress on me as I have XXXX as a US veteran. I have worked at this for over a month now with no resolve. I also submitted my driver license and social security card as proof of identity and still there isnt a remedy. I also mailed in a letter requesting also alerts and freezes to be removed if there are any. According to XXXX tracking Equifax received my documents on XX/XX/year> @ XXXX. I sent these as added security for identity verification and they still havent done anything. They are playing with my familys livelihood.
Consumer complaint received 2023-11-07
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CL Holdings LLC (AK)

This company is disrespectful when talking to them. They don't want to hear my reasons. I told them that XXXX violated the SCRA while I was XXXX  and the collection agency Jefferson capital system won't listen to me. They keep hanging up as soon I mention XXXX. Spoke to them multiple time and they just giving me an attitude.The amount is not right too. XXXX didn't not suspend my account event when I told them that I'm deploying. So both company will not work with me.
Consumer complaint received 2023-07-11
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 (NC)

Please reference prior CFPB Complaint : XXXX. 

In response to AMEX : Youve stated in your previous reply that the reason for closure was for returned payments. However, I was assured by American Expresss support team, that these returned payments would not result in an account closure. Further, American Expresss statements contradict themselves. For example, support teams notified me the closure only happened because our new account was placed under financial review and they found Affiliation with transactions. American Express refused to divulge what affiliation this was, and closed my account based off a couple returned payments and a suspected affiliation with a charge on the credit card. This violates my right to fair information. Any reaction a card company makes and the evidence collected should be of full transparency to the customer. However, AMEX has specifically withheld this information and has also provided statements that do not align with the statements given over the phone and email about the account closure.
Consumer complaint received 2024-05-11
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. (VA)

Subject : Request for Action and Compensation Regarding Inaccuracies in Credit Report I am writing to bring to your attention an ongoing issue with Equifax, XXXX of the major credit reporting agencies. Despite my numerous attempts to rectify inaccuracies in my credit profile, Equifax has failed to take the necessary corrective actions as mandated by the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. 

In accordance with the FCRA, I have filed multiple identity theft reports with Equifax, requesting the deletion or blocking of fraudulent information on my credit profile. The FCRA stipulates that upon receiving such a request, a credit reporting agency is required to block the reported information within XXXX business days ( FCRA XXXX ). This information is still being reported on my credit report which is more then 30 days after I filed my iniatial report... 

Furthermore, 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, 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer ( XXXX XXXX. XXXX ). 

While XXXX and XXXX have complied with these requirements and deleted all related inquiries from my credit report XXXX months ago, Equifax continues to report these inaccuracies. This discrepancy between the actions of the XXXX credit reporting agencies clearly indicates that the inquiries Equifax is reporting are not factual. 

I hereby request that the CFPB take necessary action to ensure that Equifax complies with the FCRA. Furthermore, in light of the inconvenience and potential harm caused by these inaccuracies, I am seeking compensation for each item that is required to be removed according to the law ( FCRA XXXX, XXXX ). Under the terms of the FCRA, each rights violation committed by the defendant in a case could require them to pay between ** {$100.00} and $ XXXX. 


I trust that the CFPB will address this matter with the urgency and seriousness it deserves. I look forward to your prompt response and resolution of this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX attached all docs I have attached a copy of when XXXX DELETED THE REQUESTED INQUIRIES
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KS)

I file my dispute letters to the credit bureau XXXX XXXX, Equifax, XXXX, over XXXX times and no results of inaccurate information on my file, they are violation my consumer rights, Charged Off accounts -15 US Code 1601 Collections 15 US Code -1692C Late Payments - 15 US Code 1666b Hard Inquires - 18 USC 1028A Which these agencies is at fault of 15 USC 1681n,, which can result in Civil Liability
Consumer complaint received 2023-12-28
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (UT)

On XX/XX/2023 I purchased {$13000.00} in American Express gift cards for my employees bonuses. About 85 % of those gift cards do not work in any physical or online store. I've called American Express multiple times for help and all they say is that transactions are declined due to fraudulent purchases and that I need to try different merchants. It seems that customer service just does not want to help me out since every time I call, they tell me the same thing without any other solution. And the thing here is that all my employees have tried to make purchases in many stores, but they all get declined! 
I have attached a picture of what the card reader says after trying to make a purchase. 
I also attached all the receipts of the gift card purchases I made.
Consumer complaint received 2024-05-11
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payment on XXXX  XXXX XXXX that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/23 I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-08-30
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)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its refusal to remove a collection account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Creditor Name : XXXX XXXX Account Number:XXXX Date of Collection : XX/XX/year> Amount : {$1.00} I have previously disputed the accuracy of this collectiom account with Equifax and provided evidence that the information is inaccurate. However, XXXX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax refusal to comply with this law is a clear violation of my consumer rights. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account collection my credit report. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Equifax upholds its obligations under the law. Sincerely,
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (KY)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (NC)

I'm sending this complaint to inform AGAIN the XXXX and Equifax credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$610.00} ; XXXX  XX/XX/XXXX.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

On XX/XX/XXXX I had a hard inquiry removed off my XXXX credit report instead of my credit score going up it went down XXXX points. From XXXX to XXXX I want a real investigation.This is not the first time that happened, the other 2 credit bureaus have done the same with credit reporting. I feel there should be a investigation done of the past two years on all three bureaus before I have to get a lawyer. In past two years I have sent police reports of being a victim of identity theft keep telling me they never received them when I sent them certified mail to be signed. All the credit cards on my reports that's showing negative aren't mines and I need them off my credit report ASAP because I am tired of playing with them. The credit bureaus is designed to keep XXXX XXXX  People at certain score level and I can prove it.