davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX 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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-02
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. (UT)

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 ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # 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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Carter-Young, Inc. (KS)

Through my regular credit monitoring on XX/XX/XXXX, I found that a collections had been placed on my credit in XXXX. I immediately reported/disputed the account with all three credit bureaus because I had no knowledge of this collection and had never received any sort of bill or opportunity to pay from them. I found that the collection was from XX/XX/ from an apartment I vacated in XXXX XXXX XXXX. I have since lived in another state. XXXX and XXXX removed the collection immediately. XXXX reported it as accurate. I disputed their results. I have absolutely nothing to submit for evidence because I have never received anything from this company, which is impersonating a lawyer with its name, a known collection fraud tactic. I have tried uploading my power bill in my new state showing I moved in XXXX XXXX XXXX, as well as email correspondence showing my notice to vacate in XX/XX/, the payments I would be responsible for, and proof of payment, as well as emails from the apartment complex giving me a final statement and me telling them they did not send anything. XXXX has provided nothing to show that this debt is accurate, even though they claim it is.
Consumer complaint received 2024-09-16
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: EQUIFAX, INC. (NY)

I am filing a complaint regarding the inaccurate reporting of several accounts on my credit reports across the three major credit bureaus ( XXXX, XXXX, and Equifax ). These discrepancies violate multiple sections of the Fair Credit Reporting Act ( FCRA ), and I request an immediate investigation and correction of these issues. 

XXXX XXXX : There was no notice of dispute provided, in violation of FCRA Section 623 ( a ) ( 3 ). 
XXXX ( The Bank XXXX Missouri ) : The account was deleted off Equifax but remains on XXXX and XXXX, without proper dispute notice, violating FCRA Section 623 ( a ) ( 3 ). 
XXXX XXXX Bank : There is an account on XXXX with a balance of {$1200.00} and an open date of XX/XX/XXXX that was not deleted. Additionally, there was no notice of dispute, violating FCRA Section 623 ( a ) ( 3 ). 
Another XXXX XXXX Bank account is listed on all three bureaus with a balance of {$1600.00}, no notice of dispute, an open date of XX/XX/XXXX, and inconsistent payment history. This account has also been re-aged, violating FCRA Section 605 ( c ) and FCRA Section 607 ( b ). 
XXXX XXXX : No notice of dispute was provided, in violation of FCRA Section 623 ( a ) ( 3 ).

The account has been re-aged by over a year and is still listed on XXXX and XXXX, violating FCRA Section 605 ( c ).

Equifax is showing a late payment on a collection account, which is improper. 
XXXX XXXX XXXX : No notice of dispute was provided, violating FCRA Section 623 ( a ) ( 3 ).

The account has been re-aged by two years, violating FCRA Section 605 ( c ). 
XXXX : No notice of dispute was provided, violating FCRA Section 623 ( a ) ( 3 ).

The account has been re-aged and there is inconsistent payment history across the three credit bureaus, violating FCRA Section 607 ( b ) and FCRA Section 605 ( c ). 
XXXX : Only listed on XXXX with no notice of dispute, violating FCRA Section 623 ( a ) ( 3 ). 
XXXX XXXX Bank : Another account is listed on all three bureaus with a balance of {$1600.00}, an open date of XX/XX/XXXX, no notice of dispute, and inconsistent payment history. The account has also been re-aged, violating FCRA Section 605 ( c ) and FCRA Section 607 ( b ). 
XXXX XXXX XXXX No notice of dispute was provided, violating FCRA Section 623 ( a ) ( 3 ).

The payment history is inconsistent, and the account has been re-aged, violating FCRA Section 607 ( b ) and FCRA Section 605 ( c ). 

Please find attached copies of my credit reports from XXXX, XXXX, and Equifax, highlighting the discrepancies, as well as any correspondence related to disputes Ive filed directly with the credit bureaus and creditors.
Consumer complaint received 2023-10-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc. (FL)

On XX/XX/ a collections account was posted to my credit report from Torres Credit Services for {$140.00}. I called up the service and they didnt even have my name tied to this collection account, it was someone elses. This debt is not mine and belongs to another person and is fraudulent. Torres Credit services provided no documentation that this is my debt.
Consumer complaint received 2024-05-02
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. (NC)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-02
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)

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 : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number: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 2023-09-19
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. (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. 

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 2023-10-19
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)

I am writing to demand removal of late payments from my report. This is a violation of both 15 usc 1666 and 15 usc 1681a2 ( a ) ( i ). These unauthorized reports of my personal private and financial information is both illegal and inaccurate and are of no standing to my credit worthiness. I am not asking for validation or verification simply a removal of the late payments as required by law. 

The fair Credit reporting act aims to respect the rights of consumers and i thank you for helping me do that. A rapid rescore would be much appreciated as well thank you for your time.
Consumer complaint received 2024-05-02
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. (AZ)

ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-05-02
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. (AR)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (MA)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (SC)

I contacted BridgeCrest to file a dispute. The reported information to XXXX and XXXX was not correct and has NOT been corrected through these XXXX Credit Bureaus. XXXX is the only one that has updated the correct information. I do not have a past due balance. I have paid everything as I should, even the incorrect fees that were applied to my account since the loan was opened. I need my payment history corrected to reflect " paid on time '' and " never late ''. I also need the remaining load balance corrected. They still show the original balance of the loan.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$8200.00} XX/XX/XXXX XXXX XXXX {$72000.00} XX/XX/XXXX XXXX XXXX  XXXX {$2300.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-14
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: CLGF Holdco 1, LLC (CO)

I went to check my credit score and saw there was XXXX hard inquiries on my credit report that I did not permit nor recognize and I than filled out a ftc report that I am now reporting to you. 
Feb/destiny XXXX Bank XXXX XXXXXXXX XXXX Bank XXXX XXXX BANK XXXX XXXX XXXX Bank None of which I permitted my credit be used or ran.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have positive accounts that are not being reported and I have been continuously trying to get them to correct my scores but they are all reporting a negative and low score. I have information showing that my score should be in the 700 's with my continued success of PAYING MY BILLS, I am starting to think that this is all a scam and feel as though I as well as many other American citizens can not believe in this system. I also feel as though this would be a very good topic to start spreading on stoical media as well as a Podcast to answer the American peoples questions regarding their credit. I know several individuals whos credit is very much worse than mine but they all have a better credit score even with all the negative on their reports. that is why I feel it is important for me to get this information out. I do expect for the CFPB to have all 3 credit reporting buraus to correct my score and bring it up to where i know it should be. I have also had XXXX report to me one score but then report another to a financial institution. All 3 were reporting payments not made when payments have been made. Only one has fixed that issue. I have reported incorrect information on my reports to all 3 reporting agencies, they will correct it but then go right back to reporting the incorrect information again with the new quarter. I do not feel as though I can trust that accurate information is being reported or feel that this is ever going to be resolved.
Consumer complaint received 2024-05-02
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)

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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number: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 2024-05-02
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. (CA)

XXXX XXXX  has reported inacuracies. many times of disputes and agreements they fail to detail conversations and fail to execute solution and leave my account in negative standing. I never received card in mail.and they report it late and negative remarks. They still haven't mailed new card and even after their dispute to be unauthorized they fail to update results and log details.company is intentionally hindering and being delinquent. this is effecting my life greatly I am disappointed with cfpb consumer services of advocacy and defensing against unethical practices
Consumer complaint received 2024-05-02
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)

XXXX In accordance with the Fair Credit Reporting act Convergent Account name, 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.
Consumer complaint received 2024-05-02
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. (NJ)

ll of the charges that were 60 days late in XXXX of XXXX were Fraudelent charges. XXXX has acknowledged this and refunded all of the charges. They have not corrected the credit reporting. 

I have disputed this multiple times and it has not been corrected. 

On XX/XX/XXXX, XX/XX/XXXX, a fraudulent XXXX charge was made on my card. Late fees were added while investigation process was ongoing. These late fees turned into late payment reporting. On XX/XX/XXXX, all of the late fees and fraudulent charges were refunded to me because the investigation confirmed it was fraud. 

I was told the credit reporting would be corrected, but it was never fixed and the 60 days late is still showing on my credit report. 

Please correct this. This false reporting has kept me from obtaining the credit I need, for the last couple of years.